BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2018-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have purchased online some XXXX  bags using my credit card with total amount XXXX dollars on XX/XX/2017. Unfortunately, i received fake XXXX bags. I tried to resolve the matter with the merchant but all my tries were useless. I have disputed the charge and talked to the Bank about explaining what happened. The Bank agent asked me to provide some documents so i did. however, the bank asked me to get a second opinion on that merchandise i received and this should be on a letter head from a store that have the expertise to define genuine XXXX bags. I have tried very hard to get that letter but no store accepted to give it. i get back to the bank telling them about what happened but they refused to consider it. I went to XXXX store and the assistant manager check the merchandise and told me that he can not write a letter describing the merchandise but he instead can give some information on XXXX store business card and he said he was happy to explain that on phone if the bank what to get more details about that matter. i got back to the bank telling them that this was what i can do since no store want to give me that letter on " letter head ''. I talked to the bank today and they refused to accept that and they insisted on getting that second opinion letter on letter head. Now, my account was charged and my credit report was affected, and I want this matter to be solved.

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 2019-02-25
Company: AMERICAN EXPRESS COMPANY
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I requested a replacement card from Amex Bluebird and was told that there is {$5.00} fee. I read the terms and conditions of my card and nowhere in that contract I could find " this fee ''. The FTC or any US regulatory company governing this business should look into this sneaky tactics

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Rocket mortgage charged me {$500.00} up front for an appraisal they insisted on before going forward with the loan process past the pre-approval. Once received and appraisal completed I was not satisfied with the appraisal and they refused to assist in getting corrections made to it that were incorrect and inconsistent. They strung me along from XXXX through XXXX asking for more document and updated documents almost daily. They requested complete access to my bank accounts. Underwriting took so long to process each document that the previous documents that were given to them would expire. This drug on so long my original appraisal expired and they sent the same appraiser out again for a new one even though I had requested they send another agency out. I spent hours amd hours gathering documents for this loan. In the end I was told after even making a date for closing that there was a lien on my property which I had to resolve- and I did through negotiations with the XXXX XXXX company to temporarily cancel theXX/XX/XXXXXXXX After that I was told that now my debt to income ratio was too high even though the were paying off all of my debt as a condition of the refinance. The only payment I would then have would have been my mortgage and the rental agreement on my XX/XX/XXXX which if added to the new mortgage payment would still been less that what I am shelling out in payments prior to the refinance. I was passed around between several people and asked repeatedly for documents I had already submitted. This process cost me time, money and more stress than was necessary all for the fake promise of an extraordinary interest rate. Also, the closing costs were extremely high for such a small loan. {$10000.00} for an XXXX loan- insane

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Home Point Financial Corporation
State: NY
Product: Mortgage
Sub-product: FHA mortgage
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:
When Covid-19 hit I chose to do a Forbearance on my account. The forbearance ended and I began making payments to catch up, and I was told there was not credit report action being taken since I was in forbearance and making payments. On XX/XX/XXXX I called to make a payment of {$1800.00}, which I accidentally had come out of the wrong account, however I called on XX/XX/XXXX to fix it. I was reported as 60 days late on my credit report, which is incorrect based on what the agents have told me. The agents told me on XX/XX/XXXX that I was only 30 days behind and that {$1800.00} would catch me up to being current. I called today to find out why I am being reported to the credit report for being over 60 days late when that is not correct. No one has been able to explain this to me the same way twice, and I have been in a financial hardship with them which was supposed to suppress credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: U.S. BANCORP
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage with USBANK : paying mortgage and addition escrow and principal wouldn't show correctly and error in mortgage and bank reporting to credit agency is paid morgame or late payment show up missing payment in credit report.unpaid mortgage amount adjust with escrow and payment of extra amount doesn't change or effect in mortgage payment, it's should be less payment every each year after paying month to month payment and additional escrow.my premium has to reduce after paying all tax and home insurance XXXX and XXXX now payment missing or cash by us postal employee or stolen or bank cash check and doesn't post credit back in XXXX and XXXXpaid four check for individual principal, home insurance, p.tax, escrow they will count as is unpaid amount when split payment with 4 check, when writing business check when check book out of stock they didn't post credit in principal.principal amount has to reduce after 3 year it ; s change about thousand ... XXXX i had a about XXXX over paid in XXXX and tax was about XXXX they wouldn't refund 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 2020-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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 very concerned the serious possibility that you have not followed permissible purpose provision ofa the Federal fcra. A credit account for you Capital One was place on my credit report XXXX, XXXX  and XXXX. The Act specify that you must document the reason for requesting my credit report and when in error remove acconts as well including inquiries. I am depending on Capital One to follow the statue : either provided documents that the law was followed by researching the matter at once or remove this offending accounts and inquiries as soon as possible yours truly XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-26
Company: EQUIFAX, INC.
State: FL
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 shows they had to write off/profit and Loss for XXXX. I paid this off XXXX XXXX reporting to the credit bureaus all three that this was a writeoff. I provided proof and sent the proof to all three bureaus and they all three advised me that the creditor has to remove the current status to list it as paid in full. When I spoke to the creditor they stated the bureaus have to remove. No one wants to correct my credit. I need your assistance to get this corrected. Please see the attached bank statement showing a payment of XXXX paid in full. 

XXXX XXXX Account number : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: EQUIFAX, INC.
State: MS
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:
XXXX  Credit Reporting Agency XXXX XXXX XXXX  XXXX XXXX, XX/XX/XXXX XXXX Re : Request to Reinvestigate & Delete Accounts Re : Full name : XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/ Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit  Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

1. XXXX Balance {$530.00} 2. XXXX {$440.00} 3. XXXX XXXX ( Original Creditor : XXXX  XXXX  XXXX   XXXX COMPANY ) {$980.00} 4. XXXX XXXX XXXX {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Found the following fraudulent accounts on my credit profile : XXXX XXXX act # XXXX {$6900.00} XXXX XXXX act # XXXX {$7000.00} XXXX   XXXX {$3900.00} XXXX  XXXX XXXX XXXX XXXX XXXX {$960.00} I've contacted the credit bureaus and the companies numerous times but the erroneous information remains. 
Please help

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 2018-10-03
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I'm not sure what's going on, but I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 was applying for a mortgage and my bank informed me of a late payment on one of my accounts, along with multiple bankruptcies.

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 2018-07-20
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company is in violation of HIPPA. What's frivolous and baseless is the fact the company is lying that they couldn't get a hold of me ( they have my address and all communication ), they actually told me to cease communication with them ( how is that possible if they told me they didn't know how to reach me ), and they're still in violation of HIPPA because they have my medical records and list of procedures done.

Since the debt is beyond the statute of limitations, it is no longer mine and therefore, it should not be reported on my credit report. I will amend my credit reporting history to let all of the bureaus know of the harmful tactics of Collection Consultants.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: EQUIFAX, INC.
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 contacted XXXX regarding a bankruptcy on my credit report. 

1 ) Bankruptcy - I provided written documentation from the US Bankruptcy Court stating it does not verify information with credit porting agencies ( XXXX XX/XX/2020 ). XXXX responded the information as " verified ''. I provided written documentation to XXXX from third-party XXXX stating there is not a bankruptcy on my consumer file ( XXXX XX/XX/2020 ). XXXX responded the information as " verified ''. XXXX has failed to provide how and with whom the information was verified. 

I provided I provided written documentation from the US Bankruptcy Court stating it does not verify information with credit porting agencies ( XXXX XX/XX/2020 ). XXXX responded the information as " verified ''. I provided written documentation to XXXX from third-party XXXX stating there is not a bankruptcy on my consumer file ( XXXX XX/XX/2020 ). XXXX responded the information as " verified ''. XXXX has failed to provide how and with whom the information was verified. 

I provided written documentation to Equifax stating Equifax removed the bankruptcy from my credit report XX/XX/XXXX ; yet reinstated the incorrect item on my credit report 2 ) Charged-off account - I provided written documentation stating XXXX is reporting late payments to a charged-off account ( XX/XX/XXXX ). XXXX responded the reporting of late payments on a charged-off account as accurate. 

Charged-off account - I provided written documentation stating XXXX is reporting late payments to a charged-off account ( XX/XX/XXXX ). XXXX responded the reporting of late payments on a charged-off account as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
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: Public record information inaccurate

Complaint:
I was robbed last year and lost my backpack, including all my IDs, electronic devices, and wallet ( had XXXX XXXX XXXX credit card in it ). I wasnt able to get access to my account and paid off my remaining balance on the card on time since I lost my identity. After I got my IDs replaced, I made a settlement payment to end with XXXX 's on a good term and close my account since I don't know if someone else could be potentially using it. However, my credit report on XXXX, XXXX, and Experian shows this as a negative delay on the payment, which I wasn't able to make due to this terrible crime that I was a victim of. My credit score also dropped drastically due to this negative record. I have filed multiple disputes on Experian since XXXX, and they wouldn't agree to delete this record even though they agree what I stated appeared to be accurate. This is not fair!

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 2021-01-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: CITIBANK, N.A.
State: IL
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:
I received a promotional offer for XXXX bonus miles if I spent {$4000.00} in 3 months, I'm pretty sure it was a direct mailing but am not 100 % sure as it was a while ago. I signed up for the card in XX/XX/XXXX. I spent more than the {$4000.00} and waited several months before contacting them as I still had not received the bonus miles. The customer support person said I didn't qualify because I had a similar card in XX/XX/XXXX and therefore didn't meet the requirements for the bonus. So, one, why did I receive the offer. Two why did it allow me to sign up for the offer online if I didn't qualify. The card comes with an annual fee plus I would have signed up for a different offer and used my money elsewhere. The customer service person was completely understanding and said it's a common complaint. So they know it's an issue but do nothing about it because they get people to sign up for the annual fee and profit from it. This is yet another bank profiting from a broken system.

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 2020-12-11
Company: Experian Information Solutions Inc.
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:
The companies in this complaint are illegally reporting inaccurate information on my credit report. Plus The one of the companies on my credit report has gone out of business was previous sued. The company XXXX has gone out of business for also breaking 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 2020-12-11
Company: EQUIFAX, INC.
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:
The companies in this complaint are illegally reporting inaccurate information on my credit report. Plus The one of the companies on my credit report has gone out of business was previous sued. The company XXXX has gone out of business for also breaking the law.

Company response to consumer: Closed with explanation