BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  ; Experian and XXXX  should not be reporting that I am ( 90 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX  dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2019, I used my American Express bluebird pre-paid card to purchase an item. After not receiving the item in mail, I filed a dispute with Amex on XX/XX/2019. After 10 days of the investigation passed, Amex did not contact me nor did they grant me provisional credit. On XX/XX/XXXX they sent me an email that said they are in receipt of my dispute and that they will contact me if they need any more information from me. Today is now XX/XX/XXXX. I called them and they have no further information for me. I don't believe that they are adhering to federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: DISCOVER BANK
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
sending this complaint is student & Mother & Father ( divorced ) We applied with a 1 page promissory note to XXXX XXXX, for a $ XXXX XXXX XXXX program, which would be accomplished in 2 yrs or less, and the amount determined to stay in the " dorm '' setting was $ XXXX. We received no hard copies, no totals, no interest amounts in the document sent online to sign.. for the private portion of the loan done by Discover Student loans. We did receive these details on the stafford portion. Both stafford and private loans were rolled together and shortly after graduation we received notice of the loans balance- near $ 120K.  Because divorced parents had not communicated with one another, each parent assumed the other had received these documents/ info. Upon learning neither did, we believe we have been defrauded. We sought an attorney. 8 letters were sent like the one we provide here requesting proper promissory notes. But no response was given. Many calls were made and no one with authority to discuss the issue of no loan documents where the totals/interest/terms etc were signed. When the attorney finally did speak with someone in charge, after almost a year, and significant legal fees, he was told they had no intention of providing this and the loan was being sent to collections. Other false promises such as the " XXXX XXXX '' being respected as if from an accredited college were made. Job searches reveal it is not recognized as anything but a trade school, & the degree hasn't been useful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have old negative accounts on my report that were supposed to be removed. I am unable to successfully submit a dispute for these errors, even thought XXXX has fixed the issue. See attached proof with account info.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-26
Company: AMERICAN HONDA FINANCE CORP
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To whom it may concern! 

I XXXX XXXX XXXX On XX/XX/2017 paid Honda Financial Services {$5800.00} in full for an ATV loan that I had through them. I received the clear Title in the Mail ( see copy attached ) Along with 2 Overpayment check ( see copy attached ) and they are reporting me as I defaulted on the loan which I was never late on it and the loan was paid in full and they are reporting to XXXX and XXXX negative on my account and I have the evidence that the account was paid with the clear title and overpayment checks for that account I sent XXXX and XXXX and Honda Financial Services a Dispute ( Notice of Validation Letter ) asking them to provide me with certain documentation to prove that I still owe them and XXXX and XXXX and Honda Financial Services failed to present me with said Documentation. XXXX and XXXX aren't doing there Job to investigate my Dispute. 
I have a copy attached of the Notice 's of Validation Letters that were sent out to XXXX and XXXX Honda Financial Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX sold my mortgage to Mr. Cooper. The promise was that all payments of the mortgage would remain the same. As a result of an error on XXXX, there was a negative balance sent to Mr. Cooper. As a result, XXXX sent a check to correct this to Mr. Cooper on XX/XX/2022. The check number that was sent was XXXX. This balance was subsequently never corrected on my mortgage, and I pay more every month than I am supposed to. 

I have called Mr. Cooper every month for the past 9 months to correct this, however they have been unable to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XXXX. Daily/weekly phone calls even late in the evening.

2. Degradation of character, due to how they spoke to and threatened me after I told them i was XXXX. 
3. False collection letters to seek a debt that does not, nor has it ever existed.

4. Unable to be contacted by phone unless they call you.

5. Shame on you. XXXX sees all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In the year 2013 my identity was stolen, unbeknownst to me, someone use my government issued social security number to obtain goods and services using my personal information. this theft begin to take place while I resided at XXXX XXXX XXXX XXXX. I have sent notification of the invalidity of these debts to each creditor and the credit reporting agencies via certified mail as advised by my council A COPY OF THESE REQUEST AND FILES HAVE ALSO BEEN SUBMITTED TO EACH CREDIT BUREAU VIA CERTIFIED MAIL AND SECURED FAX, I have sought council and gathered all the information, reports and followed the law in order to take the necessary steps to restore my good name, HOWEVER THE EQUIFAX COMPANY REFUSES TO RESPOND AND STOP REPORTING THESE INVALID ACCOUNT UNDER MY NAME ATTACHED YOU WILL FIND THE COMPLETE IDENTITY THEFT FILE FOR XXXX XXXX INCLUDING MY FEDERAL TAX RETURNS THAT SHOW MY ADDRESS AT THE TIME THESE ACCOUNTS WERE OPENED FRAUDULENTLY. 

XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX Is the account that I've been notifying the consumer credit reporting agencies XXXX, Transunion, XXXX, XXXX, and XXXX XXXX about due to their inadequate and invalidated tradeline delinquency details. Since 2021 and about every 3 months since I have mailed letters requested the validated documents per the Fair Credit Reporting Act definition. However, they have either not responded or responded with very little information other than that they have verified the account with the creditor but without ever providing me with the validated itemize documents supporting that this tradeline is in fact reporting correct and accurate and providing supporting documentation that I have consented to providing authorization for my personal and confidential accounts to be made available with their credit reporting agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dear CFPB - I am resubmitting my complaint against XXXX XXXX XXXX. Please refer to closed complaint XXXX for additional history. XXXXXXXX XXXX has advised CFPB that they have not reported any new events to the CRA 's since XXXX, which is false. On XX/XX/XXXX, XXXX transmitted an update to Transunion that my account was in a delinquent status, which is false. As stated, the servicing of my mortgage was transferred to another party in XX/XX/XXXX. CFPB, please investigate as to why XXXX refuses to update my Transunion from a delinquent status of 120 Past Due. I have included snippets from my current report and the credit monitoring alert which indicates XXXX just recently updating my account status. This event update contradicts what XXXX Complaince Dept XXXX XXXX states in her response to my CFPB complaint # XXXX. XXXX also goes on to state that XXXX must report account transferred, but this is another contradiction to what has actually been reported to the CRA 's. Example enclosed. I am requesting for the CFPB to reinvestigate this matter. XXXX 's response was more focused on my payment history and not what they are currently reporting to the CRA 's instead of the current status of the account with XXXX, which is closed with a XXXX   balance, account transferred. I think the CFPB prematurely closed my initial complaint because of payment history and bankruptcy fluff written by XXXX XXXX. Now I have included documented proof to support my complaint about XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX, I successfully completed the payment arrangement and no longer have an outstanding balance on my account, I want it deleted on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
This is to inform you that I sent money to the following number and email XXXX XXXX. After sending these transactions the beneficiary didnt receive the money into his account but only received a text message just like that in the attachment shown. I filed a compliant with Bank of America the company involved with sending and receiving the amount and they rejected my claim stating that the money was sent and we can not provide you the above claim of {$100.00} and the claim number being XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: CITIBANK, N.A.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have had issues over the last few months with my Citi XXXX XXXX credit card. I have made payments for more than the minimum due via my financial institution through Bill Pay, which are remitted to Citi Cards. In both instances, the payments were applied to the incorrect credit card account. I have chatted with Citi on multiple occasions to have the payments transferred from the incorrect to the correct account. It was completed after multiple contacts for the XXXX statements. For the XXXX statement, I requested that it be corrected, but it was not applied correctly again. In attempting to resolve it again with a representative, they denoted that there was not an issue. Attached is the chat record which I have kept for my interactions that denote applicable dates and my attempt to resolve.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I wrote to you the other day saying .. I have wrote multiple letter to capital one about charges and account being fraud..credit card ending in XXXX.. had charges on it after I paid it off on XX/XX/2018.. I do not want the capital one cards to come off my report as it hurts my credit score.. I want new cards sent to me at my address on file and all charges taken off. I wrote letters after letters.. I do not want my credit score hurt or accounts removed.. I want new cards and charges fixed. I will send the charges again to have them removed.. I want my account to to stay on my credit report. For over year, I have been writing letters.. please send me cards and do not remove accounts off my credit report. On XX/XX/XXXX, I requested new cards over the phone as well. Account ending in XXXX is in good standing and does not need to be removed off my credit report. Just need new cards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-07
Company: U.S. BANCORP
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XXXX advertises a XXXX credit card that earns 2 % cash back on everyday purchases. There is also a sign-up bonus of " {$100.00} bonus cash back '' after {$500.00} expenditures within 90 days of account opening. Earnings are credited as points that equate to cash ( XXXX points = {$1.00} ). XXXX does not disclose that the points can only be used at full value if deposited into a XXXX brokerage account. The points are only worth half the value when used as a statement credit. The {$100.00} bonus is only worth {$50.00} as a statement credit, and the " 2 % cash back '' is really only 1 % unless deposited to a XXXX brokerage account. The fine print in the XXXX application refers to redeeming points into an " eligible XXXX account. '' I applied for the credit card over the phone and asked if the credit card was an " eligible '' account and if I could use the points as statement credits. The XXXX representative said I could use the points for a statement credit, but did not disclose that they would only be worth half their value. I only discovered this issue when I tried to use the points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: DISCOVER BANK
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Between XX/XX/XXXX-XX/XX/XXXX and also XX/XX/XXXX I called my credit bureau regarding a suspicious inquiry on my credit and they advised me to call discover. Someone had applied me for a student loan with discover even though I am not in school and dont know anyone that is. Discover pretty much informed me they cant do anything and will not do anything about it. They do not care about others period. Beware from doing business with them. This inquiry brought my score down 5 points and due to that I got denied from a car loan just a couple days ago which prevented me from going to work and now I lost my job. I am contacting this department in clearing this inquiry and getting assistance with a lawyer for damages caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Today on Friday, XXXX XXXX at around XXXX EST I spoke with XXXX , an auto loan representative with XXXX  XXXX XXXX . She asked me questions to verify my identity and one of the questions asked for my current address. I provided my current address to  XXXX and she said she could not move forward with the approval of my loan because the address she had was not what I told her. The address she ultimately told me is not my current address. I have not lived at that address for over 18 months and yet she could not move forward with the approval. I was shocked. I have been a client of  XXXX  XXXX XXXX since 2015  so they are well aware of my mailing address. She said that XXXX h

ad my correct mailing address but that it was the third party company that they use to verify the client showed a different address so she couldn't move forward. I asked for the name of the third party company but she said she wasn't at liberty to disclose that. I am deeply disappointed as she and XXXX, the representative I spoke with yesterday who filled out my application, verbally given me the approval and just needed to verify my identity before sending me the approval letter.

This is so weird. I don't know who has my wrong address but it needs to get fixed. Now I don't want another hard pull on my credit so I don't think I'll be able to purchase a new car. So disappointed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX  or leases Total balance : {$22000.00} XXXX XXXX XXXX LATE PAYMENT Balance {$22000.00} Balance updated XX/XX/XXXX XXXX closed account XXXX loans Total balance : {$30000.00} XXXX XXXX XXXX  Balance {$30000.00} Balance updated XX/XX/XXXX 6 closed accounts XXXX loans Total balance : {$690.00} 2 closed accounts XXXX Total balance : {$250.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX 
XXXX {$250.00} XXXX updated XX/XX/XXXX Collections can stay on your credit report for up to 7 years from the delinquency date, but they typically affect your FICO Score less over time. 
XXXX These lenders have accessed your credit file : XXXX XXXX NA Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My Father died XX/XX/XXXX, I lived with my father. I became delinquent on the mortgage because I was responsible for his care until he died. I've requested a mortgage modification with Ocwen Servicing several times. I recently submitted the required documents for a mortgage modification. My modification request is currently in processing with Ocwen Loan Servicing. But a property foreclosure sale date has been set for my property XX/XX/XXXX. I do want to keep my home.

Please Help!!!!!!!!!!!!!!!!.

Company response to consumer: Closed with explanation