BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I noticed inquiries on my credit report that I did not authorized and have notified XXXX, XXXX  and TransUnion that the inquiries were not initiated by me. The inquiries are still showing on my report at this time. The misuse and/or misreporting of my credit report goes against FCRA.

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 2018-11-01
Company: Navient Solutions, LLC.
State: GA
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 have the same payment reported 4 times on my credit report inaccurately. I have tried calling and sending letters. These negative remarks are damaging my credit. The errors are keeping me from renting a house or apartment. My family is displaced from our home because of these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: WELLS FARGO & COMPANY
State: GA
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 opened an account with wells fargo to buy furniture for my daughter. she was to make the payments. she accidently made a double payment on XX/XX/XXXX and XX/XX/XXXX. i called on XX/XX/XXXX and spoke to a XXXX , who told me the extra payment would be credited back to my daughters account on XX/XX/XXXX. today is XX/XX/XXXX, still no credit. I called today XX/XX/XXXX and talked to XXXX and XXXX and was told it could take up to 10 business days to refund that money ... that's not what i was told by XXXX..wells fargo has been caught in shady business dealings recently and i'm afraid this might be another. my daugher isn't even sure she made a double payment by accident..just saw the money missing from her account..i told them i was contacting the ftc who referred me to this site.

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 monetary relief
Consumer complaint received 2023-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
I have companies that sold my original account to different companies that I have no recollection of and they have not reach out to me about any of changes these accounts are old accounts that the original creditors collect money off of and then sold the account without my consent I havent got letter or call I tried disputing the account several times still showing on my credit tried reaching out to companies they sold the account to and they cant give me any information about these fraudulent accounts on my credit thats in the original companies got paid for and sold the account trying get paid again when I have know acknowledgement of these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am disputing my public and personal information on all XXXX of credit reports.The infomation being reported is incorrect and not accurate. 
XXXX, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: Diversified Consultants, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I canceled my account with XXXX and had a line ported to XXXX. I was just told that they can not cancel a account when porting a number. I was never told this until this month and have talked to XXXX multiple times since I called and canceled my account XXXX of 2018. Also I have a voice message stating I owe XXXX after they looked in to my account which is one of the mistakes I have been trying to tell them. Diversified consultants is reporting on my credit report that I owe XXXX which is false. I dont owe anything. XXXX was misleading and used their policy to keep me from canceling my account by not telling me I would have to call back after the number ported over.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied to refinance my FHA loan into Conventional loan with my current mortgage servicer, Freedom Mortgage. I was able to find a better deal elsewhere. I explained this to my loan officer. I then received a call on XX/XX/2020 from a woman at Fredom Mortgage asking when I was going to make my payment. I had never received a call like this. I stated that I would be making the payment before it's due date. On XX/XX/2020 I received a letter stating I was being placed on a repayment plan as of XX/XX/2020. I had already made my payment, this is being done to prevent me from refinancing my home with another servicer.

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 2020-04-18
Company: EQUIFAX, INC.
State: CA
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:
Despite informing credit bureaus several times of the case with XXXX XXXX but I filed before this case several times regarding a fraudulent purchase whereas the dealership in the salesman himself ended up prosecuted and doing time in State prison for ID theft. Is it gainst federal regulations to continue to display negative information on my credit report once credit bureaus have been informed. XXXX  XXXX is quite aware of the incident with XXXX XXXX and the dealership supposedly sold me the car something I am still trying to wrap my head around on how it ever happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: DISCOVER BANK
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 information incorrect

Complaint:
Even if you didn't receive Form 1099-C, you must report canceled debt as gross income on your tax return. 
The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 
By Definition The IRS Clearly says a Canceled or Charge off is income. The reporting of this account as a debt is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: EQUIFAX, INC.
State: TX
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:
Have disputed multiple times information that has already been removed from XXXX. 
These are not my accounts. 

XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX. 
They havent provided any sort of documentation holding me to these accounts. 
Im requesting my written signature on any contract tying me to any of these debts. 

XXXX/Equifax refuses to cooperate and respond timely. 
Its ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Kikoff Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Company : Kikoff Lending LLC XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Bottom Line Up Front : On XXXX XX/XX/2022, for the first time I learned that I line of credit had been opened in my name that I did not authorize on XXXX XX/XX/2022 with Kikoff Lending LLC. I need this account closed and the " delinquent '' account removed from my credit score as quickly as possible. 

My credit report showed as of XXXX XX/XX/2022 that I am delinquent in the amount of {$2.00} to this company as I have allegedly not paid {$2.00} payments in either XXXX or XX/XX/2022 and somehow have a balance of {$24.00} due. My credit score with XXXX has dropped XXXX points as a result of this " delinquent '' account that I did not authorize and had XXXX knowledge of until I noticed my dropped credit score. 

- On XXXX XXXX, I contacted Kikoff Lending via email ( the only way to contact them apparently ) and received the attached email. Reviewing almost identical summaries on the XXXX XXXX XXXX website of complaints against this company, I absolutely anticipate that I am a victim of fraud in this case. I have no username, password, or other information with which to evaluate my " account '' with this company. Again, I did not open any line of credit with this firm that allegedly builds/restores customer credit. 

- I plan to file a police report later today, XXXX XX/XX/2022. 

Any help that can provided is much appreciated regarding this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: Experian Information Solutions Inc.
State: AR
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:
Please provide me with your method of verification.

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 2021-10-21
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Experian Information Solutions Inc.
State: TX
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:
My bank has a predatory policy of ending online banking account access for consumers if a checking account goes negative. This resulted in me being unable to receive timely notifications with regard to account changes and due date changes during the Covid 19 Pandemic. 

My bill was due date was XX/XX/XXXX. I paid it in the bank drive through at XXXX XXXX  XX/XX/XXXX ( 29.5 days after the due date, short of the 30 full days guaranteed by the fair credit reporting act and the the 2009 Card act before reporting to the credit bureaus ). This was reported by the bank to the credit bureaus as overdue. After acknowledging that I paid in full short of 30 full days overdue in an exhaustive month long exchange with the banks Vice President of  lending, they determined that the bill had to be paid before the 30th day, rather than before the 30th day at close of business ; which is not in keeping with the law.

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 2023-05-21
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I HAD AN ACCOUNT WITH XXXX XXXX XXXX THROUGH COMMENITY BANK IN WHICH I MADE ALL MY PAYMENTS AND EVEN EXTRA MOST MONTHS TO PAY IT OFF. I MOVED TO ANOTHER STATE AND RECEIVED A NEW BANKING ACCOUNT WHICH I CALLED COMMENITY AND GAVE THEM THE CORRECT BANK ACCOUNT NUMBER. UNFORTUNATELY THE LAST 4 DIGITS WERE VERY SIMILAR TO THE BANKING ACCOUNT I HAD HAD, HOWEVER A COMPLETELY DIFFERENT BANK. THEY CORRECTLY TOOK IT OUT ONE MONTH AND THEN THE NEXT MONTH THEY TRIED TO TAKE IT OUT OF THE FORMER ACCOUNT WHICH DID NOT HAVE ENOUGH MONEY IN THE ACCOUNT. WHEN I RECEIVED THE NEXT BILLING IT HAD A LATE FEE AND NOTED MY PAYMENT WAS NOT RECEIVED. I CALLED AND ASKED WHY AND FOUND OUT THEY TRIED TO TAKE IT FROM THE OLD ACCOUNT. I THEN PAID THE ENTIRE ACCOUNT OF {$420.00} OFF AND THEN SENT IN THE LATE FEE AND PAID ONLINE A XXXX DOLLAR FEE FOR SPEAKING WITH A REPESENTATIVE. THEY CLAIM THEY DIDNOT GET THE LATE FEE ON TIME AND NOW EVERY MONTH THEY'VE BEEN CHARGING ME A LATE FEE ON THE LATE FEE

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-21
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This is an update to my original complaint XXXX-XXXX. Mr. Cooper / Nationstar asserted to the Ohio AG that the approved funds were not received, but this is in direct conflict with the correspondence received from XXXX XXXX XXXX XXXX. I am not sure what the problem is, but I need help and neither the mortgage company nor XXXX XXXX XXXX XXXX seem to be able to get on the same page.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: CITIBANK, N.A.
State: FL
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:
I noticed on my XXXX report an inquiry that I did not authorize from Citibank NA., BEST Buy Dated XX/XX/2017.

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 2018-11-01
Company: Knight Adjustment Bureau
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have Knight Adjustment Bureau currently pursuing me for fees from a bank account ( XXXX XXXX XXXX XXXX ) that was closed in XX/XX/2008. This is beyond the statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Experian Information Solutions Inc.
State: NJ
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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There is an item on my credit that needs to be removed as soon as possible. This item is fraudulent account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this from my report : MEDICAL

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 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There is an item on my credit that needs to be removed as soon as possible. This item is fraudulent account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this from my report : MEDICAL

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 2020-09-12
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My serve account has been permanently suspended due to an attempt of a ACH debit. 
A violation to the user agreement. I told the rep that I never gave authorization to anyone to debit my account by ACH. The rep would not give me any information about my account. I called back the next day and still getting nothing. I asked to speak to a manager.

He told me that the attempt was made by a funding source and that was all he can say.

I had two funding source direct deposit into my account. XXXX money transfer which serve uses for sending money. I signed up for that  service and XXXX sent two small deposits to verify my account. XXXX confirmed that no attempt of a ACH debit made to my account.

I had SBA EIDL direct deposit my approved funds to my account. I called SBA to asked them if they try to attempt a ACH debit. 
She looked into my account and told me the only thing she see is that my funds was disbursed. 
She said everything was approved and good to go. 
There was no attempt by SBA and the department of treasury trying to do an ACH debit. She told me to go to CAWeb.sba.gov and to enroll. This will show everything done in my account. If need too, I can send snapshot of it. I called serve and told them everything SBA had told me. 
I asked him, if there was an attempt of a ACH debit by one of the funding sources, how can I be responsible for something I have no control over and not even knowing it was going to be done. I can see if I was trying to pay any of my bills or paying someone using ACH debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Experian Information Solutions 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}

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 2023-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I just found out that Bank of America closed my credit card last Tuesday, XX/XX/2023 and I didn't receive any notice about it. I just got a letter yesterday that Bank of America will be restricted and permanently closed my personal saving account for 30 days from the date of the notice ( XX/XX/XXXX ). I have XXXX reward points with my Bank of America Travel Rewards XXXX Signature card. The Bank of America closed my credit card without my authorization. I have XXXX reward points that's worth XXXX dollars toward travel ticket or cash. The Bank of America didn't give me that money and claimed that the account was closed and that there was nothing that they could do about it. How can the credit card company close my account without sending me my reward check? I purchased with the Bank of America credit card and I never redeemed my reward point. This is thievery! Please help me get back my money. 

Thank you!

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 2020-03-23
Company: Experian Information Solutions Inc.
State: SC
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:
THE DISPUTED LATE PAYMENTS ON THE ACCOUNTS LISTED HAS BEEN REPORTING INACCURATELY, PLEASE MAKE THE CORRECT ADJUSTMENTS ON THE ACCOUNTS LISTED, FOR THEY HAVE BEEN CAUSING HARM TO MY 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 2019-06-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Information on my Experian credit report is not true or correct. Things need to be removed that are past seven and 10 years long. I dont understand why theyre not removed. Thank you for your help XXXX bless you

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 2021-05-07
Company: PLANET HOME LENDING, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Planet Home Lending, LLC., ( hereafter " The Company '' ) mislead me to believe I could qualify for an FHA loan for the amount of {$640000.00} USD and had me remove contingencies putting a deposit of {$8000.00} USD at risk. This company never ran my spouses credit and said I wouldn't need to, then strung me along for weeks convincing me that this loan would go trough, even though I have since found out this goes against FHA guidelines in my state of residence/purchase. Also, their handling of this situation was very poor, their final response to an email sent to them was simply " ok '', VERY unprofessional.

Company response to consumer: Closed with explanation