BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
I have multiple Inquiries that were not made by me.

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 2019-06-22
Company: DISCOVER BANK
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
We have been a member of the Discover credit card company since XXXX and have never had a late charge payment. We have a XXXX line of credit with them which has never been used. Yesterday we were notified of a late fee of {$27.00} and an interest fee of {$5.00} based on a claim that the company did not receive our last payment of {$310.00} which we sent on XX/XX/XXXX ahead of schedule. 
We received a phone call notifying us of a non-receipt of payment for the above on, XX/XX/XXXX and a new bill showing the charges on the following day, XX/XX/XXXX. During the phone call we repaid the bill plus charges from our bank account to settle the dispute. Why did Discover wait nearly a month to inform us of the non- payment when obviously they knew about it earlier? 

During the call we reviewed our 27 year history of prompt payments, offered a carbon copy of the paid check and relayed the information that the handful of bills sent at the same time were received. 
Could it be that Discover was trying to eliminate us because of low volume of activity in our later years and the nuisance of using the mail? 

Attached please find a copy of the original paid bill, a carbon copy of the payment check and a copy of the new bill. 

Thank you in advance for your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-25
Company: Experian Information Solutions Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There is an account on my Experian credit report that reported by XXXX XXXX XXXX. This account is inaccurate and incomplete. The account is not collectable due to statute of limitations and has not arisen from a written contract that I signed.

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 2020-10-12
Company: MoneyLion Inc.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
The company was drafting my account q day prior to payday and the funds were not available so they the proceeded to block my bank account and would not let payments go thru when I noticed I called and payed off my loan completely. This account has been reported as late for several months due to their system not allowing me to make payments and even after j payed it completely off is being reported as a charge off with a XXXX  balance. I called and even submitted a request for them to correct the errors and got nowhere with the company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
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:
Someone tried to obtain a auto loan in my name without my consent or knowledge. I can not delete these fraudulent hard inquiries since the creditor can not remove them without an account. That does not make sense when the fraud was stopped before an account was secured. Now Im left with fraudulent hard inquiries. Please delete!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Fidelity National Information Services, Inc. (FNIS)
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: Investigation took more than 30 days

Complaint:
I am becoming more and more frustrated. I understand that mistakes happen. Nevertheless after repeatedly communicating with you company that the information that your company has been reporting is inaccurate I would like to think that you all would act fast to resolve the issue. Especially since this is a violation of ( 15 USC 1692e ), which states that ( 2 ) the false representation of ( A ) the character, is illegal! This is also a violation of ( 15 USC 1692d ) 1. ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, REPUTATION, or property of any person. By reporting inaccurate items on my credit report you are tarnishing my reputation which I will not allow even if I have to seek litigation. Also this is clearly defamation of character! 
Which I remind is you will not be difficult to prove in a court of law. 
1. I can prove the information being reported is invalid 2. I can identify your company as being the one who made the false statement XXXX copy of your report is easy evidence ) 3. I also can prove that this was reckless and was a knowingly made action ( I have evidence that I have contacted you guys about the error and know actions have been taken ) 4.The statement was published ( once again my copy of your reports can be used as evidence for this ) 5. The false statement harmed me XXXX I have proof of the denial letters that have occurred because of your misleading information being provided on my credit report ). 

Also let me remind you that the banking system relies on the accuracy and fairness of credit reporting! According to FAIR CREDIT REPORTING ACT 15 USC 1681! 

In case you did not know Civil Liability ( REMEDY ) ( 15 USC 1692k ) states that I can receive compensation for each violation! 
So please resolve this ASAP or I will seek litigation!

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 2021-05-04
Company: Village Capital & Investment LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I sold my home and before they let me close the loan they told me I needed to pay my insurance. They requested XXXX dollars or they would not close loan. So I paid that after they had already taken the escrow. I called XX/XX/XXXX today to see if I would get the money refunded. They told me they did not know. It took me 20 minutes to get someone on the phone. It is very hard to reach someone on the phone. The only time it is easy to reach someone is when they are trying to get you to refinance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: EQUIFAX, INC.
State: NV
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 am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am puzzled why these account show up on my credit report out of nowhere.. It must be that someone use my identity..The accounts were fraudulently opened in my name..I did not make the charges..I am requesting that the items be blocked to correct my credit report.. XXXX XXXX XXXX ( ORIG CREDITOR : XXXX 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 2017-11-21
Company: Experian Information Solutions Inc.
State: TN
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:
The accounts that are below have not been late. The information reported is incorrect. 
You 've paid off 100 % of your student loan amount. 

I have attached document Balance {$0.00} Highest Balance {$4200.00} Monthly payment {$0.00} Opened XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) Term months Payment History Youve made 94 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment -- Current Payment Status Current Worst Payment Status No Info Account Details Account status Closed Type Education Loan Responsibility Individual Remarks -- Times XXXX/XXXX/XXXX days late XXXX Closed

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 2019-06-22
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Barclaycardus deserves a complaint for their detrimental practices. Detrimental to the credit scores of their customers. 

I as well as others have had a problem having credit giveth and the a'taketh. I was given a limit of {$20000.00}, shortly after I spent approximately {$6700.00} i received a letter stating my limit was being reduced. To just above what I had spent. This looks like I spent almost 100 % shortly after I received the card and increased my percentage the of credit usage, decreasing my credit score. 

Why would a company give credit then once it is partially used ( 33 % ) recind the majority of that limit. 

The best part, after I had paid off half, and some other debt in less than a year, I asked to have my limit reinstated, which would require a hard pull ( as they stated on the phone ). So after the initial decrease in my credit score I would have to have another harm to my score to have it fixed. 

So, don't get a card from barclaycardus.

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 2019-06-22
Company: Midwestern Health Management INC
State: MO
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:
I was in a auto accident in 2015 and treated at XXXX Hospital, ( Now XXXX XXXX XXXX ) All of my Hospital bills were paid by insurance except the various Clinics, ie Radiology etc. because XXXX did not forward the insurance info to their clinics, therefore Those were not paid. I think that when the clinics are owned by the Hospital they should Share the insurance info with them ALL, but they Did Not. Therefore over {$860.00} is charged against me, Showing on XXXX XXXX, It should not be the responsibility of the patient to furnish the insurance info, it should be up to the Hospital since They own the Clinics in question, in addition to the Auto insurance, I was covered by XXXX parts XXXX XXXX XXXX as well as Missouri XXXX! This has been haunting me for 4 years and hurting my credit rating, Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identification documents were stolen out of my gym bag at a public gym. In addition, I was a victim of the XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
It is my habit to monitor my small business checking account for duplicate charges, over-charges, charges for cancelled products & services, or products & services never received. I do so, primarily because I have noticed a sharp uptick in these types of " errors '' in recent years. The current algorithmic business culture seems to employ these tactics to increase revenue, knowing that most will never be caught or disputed. Wells Fargo has the opportunity to access the validity of my claims through an investigatory process. In all cases the WF investigatory process determined my disputed charges to indeed be " errors, '' and funds were rightfully restored to my account. Despite the acknowledged validity of my claims, WF tallies the number of such disputes ( the number of which is beyond my control ) and suspends ATM card privileges when a ( unknown ) threshold is met. This practice is clearly designed to discourage the dispute process. This practice favors the fraudulent billing practices of the corporations and business entities which generate the majority of the bank 's funds and subsequent profits. Small business and private individuals are not afforded the same privileges & protections as WF allows the billionaire business class. It is a morally bankrupt practice which should be legislated against. This is the 2nd time WF has truncated my contracted ATM services, rendering my WF accounts essentially unusable.

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 2019-09-03
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I refinanced my mortgage in XX/XX/2019 with XXXX XXXX. When I received my first statement from the company, I noticed that my escrow balance was shown incorrectly as {$0.00}. My escrow balance should have been {$4100.00} as per the closing disclosure during the refinance. 

Since then, I have already made two payments and contacted the company several times through email and phone to report the escrow balance error, but each time I get a response saying that this is being investigated and that someone from their team will contact me back. So far, I have not received any response from the company and it has been over a 45 days since I first reported this issue. It is surprising to me that this has taken so long to resolve when the agents over the phone can clearly see the Final closing disclosure statement with the correct escrow balances.

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 2020-12-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have you request that the lender correct the mistake with the credit bureaus and ask for the late payments to be removed from all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
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: Information belongs to someone else

Complaint:
Let me once again outline what action needs to be taken. Since you have not validated the above referenced tradeline within the given timeframe, you are to immediately delete this incorrect account, in the form of a Universal Data Form, from files with the three major credit bureaus ( XXXX, Experian, and XXXX  ), and fax proof of the deletion to me immediately! 

Furthermore, since you are unable to validate this tradeline, it is lawfully assumed that you are unable to verify this account with the credit reporting agencies as well. 

Also note that section 1681s-2 ( b ) of the Fair Credit Reporting Act creates a cause of action for a consumer against a furnisher of erroneous credit information ( Nelson v. Chase Manhattan ). 

Please be advised that failure to comply with my requests will result in a lengthy and expensive legal battle with your company. Considering that you are not located in my state, you will have to appear here or retain outside counsel to defend your interests. This matter can be resolved without such action. 

For the purposes of 15 U.S.C. 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action as necessary. 

Thank you, and I look forward to your resolving this matter expeditiously, as time is of the essence.

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 2018-11-09
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I put a credit freeze on my Experian account because of the data breach. 

It took hours to remove the freeze, which is crazy. There was very little information I could find on their website about how to remove it - just a phone number it said to call. When I called the number it was an interactive voice response system and didnt give me any options to remove the freeze - was simply trying to sell me their paid service for credit monitoring. It was very obvious that their intent is to make it difficult and inconvenient to remove freezes, which are free, with the hope that customers will get frustrated enough that they will sign up for their paid service. 

After I finally found a different number to call by searching XXXX for Talk to a live person at Experian, I got through to a person for the first time, after finding out why I was calling the call mysteriously disconnected the call and I had to start over again. 

It took hours to simply lift a freeze on my credit report and the intent was clearly to try to make it so difficult that Ill pay for their special service.

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 2018-04-25
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have contacted transunion to tell them I have been a victim of their inquiry problem and their customer service would not help and take care of the negative inquiries reporting to your credit report. 

Here is a list of inquiries desired to be deleted : XXXX  Inquiry : XX/XX/XXXX ( XXXX ) XXXX   XXXX XXXX XXXX  XX/XX/XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX  ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX ( XXXX ) XXXX XXXX   Inquiry : XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX ( XXXX ) 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 2019-06-22
Company: CBC Credit Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
CBC credit service is reporting that I still owed the XXXX county XXXX money, which I was in XXXX about year ago they told me that I dont owed them nothing, so CBC credit service is still reporting the owed account saying that I owed them XXXX, XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hello, there are 3 student loans reporting in my credit reports that I never opened. I never applied for student loans, I never even went to college. I have contacted Experian, XXXX, and XXXX to request the removal of these accounts but, they came back verified by Dept of Education. I contacted the US Department of Education and requested documentation with my signature, proving that I applied for these accounts but, I never received a response. These 3 accounts reporting in my credit reports do not belong to me!

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