BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-07
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:
I was reviewing my credit and noticed the following inconsistencies which violate my rights as a consumer. The following charge off account listed with XXXX with the account number XXXX has the following inconsistencies and violations. I have attached with this complaint a copy showing all 3 credit bureaus side by side for your review. *The DATE OPENED is inconsistent across all 3 credit bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies. * *The late LAST REPORTED is inconsistent across all 3 credit bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies. * *The late DATE LAST ACTIVE is inconsistent across all 3 credit bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies* *The DATE OF LAST PAYMENT is also inconsistently reported across all 3 credit bureaus. This is also a violation* As you know, the aforementioned inaccuracies are a violation to my right as a consumer and also a clear indication that this information was NOT properly verified upon you receiving it. I have faith in this credit bureau to be an outstanding company and protect my rights under the FCRA. Please delete the account from my report immediately and send me an updated copy of my report with the reflected changes.

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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting 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 XXXX XXXX recently received a copies of my consumer reports ( XXXX, Transunion, XXXX ) ) and I noticed some late payments posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment.. 

XXXX XXXX XXXX XXXX # XXXX Open Date XX/XX/2021 ( Months Showing Late XX/XX/2021 & & XX/XX/2021 )

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 2021-11-15
Company: MONEY SOURCE, INC., THE
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX The Money Source Customer Care Department XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CT XXXX To whom it may concern : XX/XX/2021 my monthly mortgage payment of {$4800.00} for XX/XX/2021 was paid to XXXX XXXX XXXX through the bill payment service of my bank XXXX XXXX XXXX XXXX. 

XX/XX/2021 I was notified in writing that the servicing of my mortgage would change from XXXX XXXX XXXX to The Money Source effective XX/XX/2021. 

XX/XX/2021 my monthly mortgage payment of {$4800.00} for XX/XX/2021 was paid to The Money Source through the bill payment service of my bank XXXX XXXX XXXX XXXX. 

I contacted The Money Source on XX/XX/2021 to verify that they would pay my real estate taxes from my escrow account. I was told that the taxes would be paid. 

XX/XX/2021 I received a letter from The Money Source stating that my mortgage was one month past due, and threatening to impugn my credit rating. 

I contacted The Money Source again the week of XX/XX/2021 to try and resolve the claim that I was delinquent. I spoke to XXXX XXXX, she wouldnt give her full name to me, and I told her that I was not past due, and I had proof the bill was paid. I sent XXXX my bank statement that shows both the XXXX payment to XXXX and the XXXX payment to the Money Source being made. XXXX promised to get back to me, but as of this letters writing she has not contacted me. 

On XX/XX/2021 I received another letter from the Money Source, dated XX/XX/2021 again accusing me of being delinquent and stating that I had to dispute the validity of this debt against my property or it would be considered valid in 30 days. 

I officially notified both XXXX XXXX XXXX and The Money Source that I dispute the debt and again explaining that sequence of events, and that I had sent them proof of payment. I did this via registered mail, return receipt requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
I write in response to an ongoing matter with XXXX XXXX XXXX XXXX XXXX. On or about XX/XX/XXXX  a credit application was processed by XXXX XXXXXXXX XXXX XXXX without my consent to obtain a lease on a XXXX XXXX XXXX vehicle. The lease should have only been in my son, XXXX XXXX name. I wrote to XXXX legal, executive office, and Fraud Control, and received only one call back from someone named XXXX. XXXX advised me that she would be looking into this matter and reverting back with me. I did not receive any further response from XXXX or anyone else at XXXX. We have sent multiple follow up emails to XXXX general counsel XXXX XXXX, to XXXX Fraud Control, and they continue to ignore our request for resolution. 

Moreover, XXXX had locked access to this account online for my son and myself and therefore my son can not access this account to view or try to make payments, edit preferences, etc. XXXX ignores our request for resolution, and my next step is to take legal action. When I call XXXX customer service is largely incompetent and unable to assist.

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 2019-12-10
Company: CITIBANK, N.A.
State: OH
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:
On XX/XX/XXXX, I purchased a sofa and a love seat from XXXX XXXX XXXX for {$930.00} with my best buy visa credit card. The furniture was scheduled to be delivered in two weeks, which the merchant failed. Six weeks later I contacted the merchant through email and I was told I am the wrong person. I text them back again and no response. So I disputed the purchased. A week later the furniture was delivered and I called to cancel the dispute. On XX/XX/XXXX, the merchant texts me for his money, I called the BestBuy credit card customer service and was advised by the customer service representative to go back to the store and pay. On XX/XX/XXXX, I checked my statement and saw that the merchant was paid {$930.00} on XXXX the XXXX the same amount I paid on XX/XX/XXXX. Even though I did not have enough money in that account. I was given overdraft which ruin my credit score and they started charging me huge interest. I called them and I was told to go back to the store. The store manager told me, that they never received payment twice and that I should follow him to his bank which was not the right thing to do. I went to the store with my sister, and we were almost beaten up. I disputed the XX/XX/XXXX, and nothing happened and now the XX/XX/XXXX dispute, I have not heard anything. Any time I called to find out the status of the dispute they hang up on me. I just need my {$930.00} Back.

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 2019-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Student loan was initially through XXXX. I had applied for student loan forgiveness. Loan was transferred and during this process the loan appears closed on XXXX XXXX  and my credit score went down 32 points!! The account is apparently still active as I still have a balance of XXXX dollars and I still have a payment due as ofXX/XX/XXXX. This is unacceptable.

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 2019-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I wrote 2 checks. Each was for {$54.00}. The payee was the Treasurer, State of New Jersey with regard to filing fees for a Small Claims Court lawsuit being commenced by my beloved wife XXXX and me. The checks were never cashed. The Court never filed our 2 complaints. And so I placed stop payments on the 2 checks. 

The Bank of America charged me {$30.00} in stop payment fees FOR EACH CHECK! This is an exorbitant amount of money to charge me! 

I had no choice but to stop payment on the 2 checks because they were never cashed and the 2 complaints for the 2 cases never filed by the Court. 

I did not stop the checks for any mistake on my part. I stopped the checks because, to repeat, they had not been cashed and the 2 complaints-1 check for each-had never been registered or filed by the Court. 

Yet Bank of America refuses to reverse the stop payment charges or make any adjustment at all even though I stated I would complain to the CFPB if they were not reversed which I am now doing. 

I even offered to pay a lesser stop payment fee such as {$10.00} but again the Bank of America refused to do so! 

Outrageous! And I am a senior citizen of advancing age who should not have to be put under such stress as the Bank of America is causing me by their adamant refusal to refund the {$60.00} in stop payment fees or agree to any lesser sum at 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 monetary relief
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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've had several XXXX  XXXX accounts with XXXX. One of the accounts had a credit limit of {$200.00}. I opened this account in XXXX of XXXX and I paid this account in full XXXX of XXXX. Instead of the Credit Reporting Agencies stating on my consumer report the account is paid in full an in good standing, it's states it's included in a bankruptcy and has been charged off. I've requested that this account be investigated and corrected in the past, but it remained the same. My last name was XXXX when I opened the account.

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 2019-11-13
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:
THE ACCOUNTS BEING DISPUTED DOES NOT BELONG TO ME. THOSE ACCOUNTS HAVE BEEN INACCURATELY PLACED ON MY REPORT AND IT IS CAUSING DAMAGE TO MY CREDIT FILE. PLEASE INVESTIGATE THOSE DEROGATORY ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2023-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I have noticed that the following companies are reporting addresses that are not mine, I have provided a copy of my Drivers license, and these Banks have Account charged my account without sending me a 1099C Under Section 166 of the Internal Revenue Code, All debts or Accounts are charged off. Must send the consumer a 1099C which I have not received from this bank. XXXX XXXX XXXX CAPITAL ONEXXXX XXXX XXXX XXXX are bank ( as defined in 1.166-2 ( d ) ( 4 ) ( i ) of the Income Tax Regulations ) and is subject to supervision by Federal authoritiesXXXX XXXX XXXX XXXX CAPITAL ONEXXXX XXXX XXXXXXXX has elected under 1.166-2 ( d ) ( 3 ) to use the conformity method of accounting to determine when debts owed to XXXX XXXX XXXX XXXX CAPITAL ONEXXXX XXXX XXXX  become worthless bad debts. 
15 U.S. Code 1681b - ( a ) ( 1 ) ( 2 ) Permissible purposes of consumer reports 15 U.S. Code 1681a - ( 2 ) ( A ) ( i ) 15 U.S. Code 1681a - ( 2 ) ( B ) 15 U.S. Code 1681e - ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: EQUIFAX, 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 information incorrect

Complaint:
I financed a car with XXXX XXXX XXXX. According to the document, loan amount was for {$22000.00}. I started making payments on XXXX and its now XX/XX/XXXX and yet have they updated my credit file with those payments. 
In addition, according to my credit file, it reflects that the balance owed is {$45.00} more than initially loaned. 
Ive inquired with the company on multiple occasions but never got a answer as to why. When I went to make my last payment, first week of XXXX, I asked the receptionist if I can speak with someone regarding the credit reporting in which she had a conversation by phone with someone else and eventually told me theres no one that can assist me. I asked for a supervisor or manager and was told no one was there. I asked for a number and given one only for that to be directed to the receptionist. Thats very unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 

XXXX XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX {$0.00}

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 non-monetary relief
Consumer complaint received 2023-04-14
Company: U.S. BANCORP
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Money Market account was advertised with an APY of 3.50 % but I am getting 0.01 %. Went to the bank on XX/XX/XXXX for this rate, called on XX/XX/XXXX to say I did not receive the rate.

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 2023-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Fraud Under the Alias of XXXX, USER TRIED TO OPEN A DEPOSIT ACCOUNT THROUGH BANK OF AMERICA, I WAS EMAILED ON XX/XX/23 OF THE DECISIONS THAT BANK OF AMERICA DECLINED MY APPLICATION. I HAVE NEVER BANKED W/ THEM, NOR HAVE I TRIED TO, I DID CALL THE FRAUD NUMBER, AND I ALSO EMAILDED THE FRAUD DEPTARTMENT, FORWARDING THE MESSAGES TO THEM. I SPOKE TO SOMEONE ON THE PHONE AND GAVE THEM MY CORRECT PHONE NUMBER, THEY HAD A DIFFERENT NUMBER ON HAND. 2 DAYS LATER I RECIEVED A CALL W/ AN ACCESS CODE,,, ( THINK THE FRAUDULANT TRIED TO ACCESS, THANKFULLY I CHANGED THE PHONE NUMBER. I HAVE SINCE PULLED MY CREDIT AND HAVE UPDATED MY INFORMATION TO NOT INCLUDE PHONE NUMBERS AND ALIAS. COUPLE MONTHS AGO ALSO GOT A STATEMENT IN THE MAIL THAT I APPLIED FOR A " XXXX  '' CREDIT CARD USING THE SAME ALIAS " XXXX '' AND JUST TODAY MY PLACE OF EMPLOYEMENT RECIED SAME 'XXXX  '' FOR UNEMPLOYMENT WHICH I DID NOT FILE OHIO DEPARTMENT OF JOB AND FAMILY SERVICES.

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 2022-10-20
Company: Experian Information Solutions Inc.
State: TN
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've had several XXXX  XXXX  accounts with XXXX. One of the accounts had a credit limit of {$200.00}. I opened this account in XXXX of XXXX and I paid this account in full XXXX of XXXX. Instead of the Credit Reporting Agencies stating on my consumer report the account is paid in full an in good standing, it's states it's included in a bankruptcy and has been charged off. I've requested that this account be investigated and corrected in the past, but it remained the same. My last name was XXXX when I opened the account.

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 2022-01-08
Company: Experian Information Solutions Inc.
State: CA
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 name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-20
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:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-02
Company: EQUIFAX, 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:
XX/XX/XXXX I pulled my free XXXX XXXX XXXX. After going over my report I discovered someone or persons, has used my likeness to open accounts without my authorization. The following accounts are fraudulent. XXXX  account opened XX/XX/XXXX with charges exceeding {$5000.00}, XXXX XXXX opened XX/XX/XXXX with charges of {$1300.00}, XXXX XXXX XXXX opened XX/XX/XXXX with charges of {$6100.00}, XXXX XXXX opened XX/XX/XXXX with charges of {$1100.00}, XXXX opened XX/XX/XXXX with charges of {$410.00}. I have filed a complaint with the FTC, please see attached complaint report.

Company response to consumer: Closed with explanation