BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Creditor XXXX is reporting balances for accounts that were included in bankruptcy that was filed in XX/XX/XXXX & discharged on XX/XX/XXXX. ALL Accounts with XXXX should show included in bankruptcy, a XXXX  balance, and no negative pay history after the bankruptcy filing date, which was XX/XX/XXXX. Some of the accounts are reporting correctly with some bureaus and not others. To date, the items reporting incorrectly under each bureau are listed below. These are the ONLY accounts I am disputing - the rest are accurately reporting XXXX balance. 

XXXX  Report : 1. XXXX  account # XXXX, reporting {$34.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XX/XX/XXXX. 
2. XXXX account # XXXX, reporting {$86000.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XX/XX/XXXX. 

XXXX Report : 1. XXXX account # XXXX, reporting {$34.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XX/XX/XXXX. 
2. XXXX account # XXXX, reporting {$86000.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XX/XX/XXXX. 
3. XXXX account # XXXX, Reporting {$82000.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XXXX XXXX. 

Transunion Report : 1. XXXX  account # XXXX, reporting {$34.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XX/XX/XXXX. 

I have disputed this issue with XXXX and all 3 bureaus multiple times and received mixed responses and partial resolutions. ALL of the XXXX accounts should be reflecting included in bankruptcy status, XXXX  balance, and stop reporting charge offs after XX/XX/XXXX. 

Alternatively, they should be deleted, as they all went into repayment in XXXX & XXXX ( see attached account detail docs ) & have never been brought current ( are now >7 years from original date of delinquency ). The creditor disputes that as they state the loans were in forbearance due to bankruptcy from XXXX, but that DOES NOT reset the original date of delinquency - that is illegally re-aging the account. 

I have kept records of all correspondence and I will report this with the attorney general if this is not resolved promptly after this complaint. 

I do not agree that I owe this debt, and nothing in this correspondence is an acknowledgement of owing any debt.

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 2021-05-25
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:
I noticed these fraudulent inquiries on my Equifax credit report and I've disputed them several times with the company and Equifax and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX  XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: DISCOVER BANK
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have had a credit card from Discover since XXXX. When I wasn't able to work in XXXX, due to a XXXX   XXXX, and, not being able to collect any XXXX payment, I fell behind with my bills.Upon reporting my unemployment situation to Discovery, I was offered a payment plan option. I made payments until I wasn't able to continue to. Then my account was charged off for {$1500.00}, in XXXX. I contacted the lender about a potential settlement in early XXXX, I was told that my account was sold to third party. A collection law firm. Then I contacted that law firm, in an attempt to help me get rid of this debt. Instead of offering me an opportunity to settle the account representative who identified herself as XXXX, told that, " Either you pay this debt in full, or we'll sent a request for garnishment to your job ... '' I kept on calling for payment option, every time I called, I'm given a new higher payment amount. I was told that I have accumulating late fees, interests, service charges accrued, being level on me, every single day that the account goes unpaid. And the latest updated charge as of XX/XX/XXXX, and per representative XXXX, the current amount that I owe on the account, is {$170000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-14
Company: Better Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020, XXXX advertised to me a 2.375 % rate for a XXXX loan to refinance with zero points through the XXXX platform based on a credit score of over 760, zip code of XXXX, home value of {$630000.00} and existing mortgage of {$340000.00}. I followed up on this advertised rate the same day and provided the same personal and property information directly to Better.com to lock the rate. Better.com then provided a rate of 2.375 % only if I purchased {$7400.00} of points. After discussing with their loan officer, Better.com did not honor the rate they advertised and failed to provide any logical explanation for the discrepancy. The rate could not have been based on any different personal information because the information I provided on both platforms was identical, including the credit score ( their soft pull confirmed that my score was much higher than 760 ). The loan officer stated that he was not aware of Better.com providing a 2.375 % rate at zero points for any applicants, strongly suggesting that the rate they advertised on XXXX was false and is not a rate they were offering at all as of the date above. Better.com is using XXXX to lure applicants to their site and provide their private personal information including social security number, only to change the rates they offer to the applicant after spending significant time applying, despite the applicant 's information being the exact same as what they used to advertise a lower rate. This is false and deceptive advertising and should be enforced against.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: KEYCORP
State: IL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
On XX/XX/XXXX I received a debit card in the mail from Key bank for an account with the Illinois Department of Employment Security presumably for unemployment benefits. I have been retired since XX/XX/XXXX and am not entitled to, nor applied for said benefits. Upon trying to contact Key Bank, I was given the opportunity activate the card which I did not. I tried to find a choice on their system to talk to someone but, just got put on hold, cut off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: Bread Financial Holdings, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Got a late fee after paying for an expedited payment which came out the same day but they didnt credit it till the next day and even though I was told I wouldn't get a late fee they charged me a late fee anyways on top of the expedited payment fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-07
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: Account status incorrect

Complaint:
I paid all of my XXXX overpayments as well as having all my student loans paid off, but transunion is still reporting a balance, although XXXX and XXXX  is not. I am trying to obtain a mortgage, and this is gendering the loan.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM 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 2021-05-08
Company: U.S. BANCORP
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to open a bank account at US Bank in XXXXXXXX WI. I worked with a XXXX XXXX and XXXX ( female ). They asked me for my SSN and mothers maiden name. They acted like they could not set up my profile. I gave them my email address too and my physical address. They told me they could not open an account. They did not provide me any paper documentation showing they were declining opening an account. They said it was because i did not have {$25.00} to put in the account and their manager XXXX said no to opening the account. I could hear rustling around in the office next to us and noticed that there was a big open space at the top of all the so called offices. As I was sitting there I noticed a husky man that resembled XXXX XXXX. He had a beard and white/grayish/blonde hair walking down XXXX XXXX That man i have seen him 3 different times before this. He drives a XXXX XXXX XXXX. I babysat for a family in XXXX who has my SSN and I think something fraudulent could be going on. The grandpa drove a white XXXX XXXX also. He was in the XXXX parking lot where i had a PO Box recently. I also saw him come through the ATM when I was asking a teller at the XXXX XXXX drive thru why they would not open an account. As I was leaving US Bank in XXXX a XXXX woman came from the side of the building and I think purposely walked behind my car as I was backing out and it looked like she was almost laughing and walked to her car where she followed me to another bank in XXXX and went to the ATM. I feel this woman and the employees ( XXXX female ), XXXX XXXX , and XXXX , all might be part of a fraud/identity theft ring. A local agency in XXXX told me that a man was trying to steal my identity at XXXX XXXX Bank. I also went to XXXX XXXXXXXX XXXX area in XXXX XXXX XXXX and they put me in a room with a XXXX woman, which was a violation of my HIPAA. I am wondering if it was the same woman. The woman at US Bank that followed me to XXXX XXXX XXXX ATM her license plates were XXXX. She was driving what looked a silver XXXX XXXX XXXX. There was also a XXXX that came in. They gave me an account number, but not a debit card. I am wondering if this XXXX woman was in another office at the same time and is committing identity theft under my name and potentially overdrafting the account or cashing a check that belongs 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
Consumer complaint received 2020-10-14
Company: AMERISAVE MORTGAGE CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Good afternoon, My name is XXXX XXXX. My husband, XXXX XXXX and I submitted a mortgage refinance application via Amerisave.com on XX/XX/2020. We were promised a rate of 2.25 % by originator, XXXX XXXX although we knew additional information and paperwork would need to be collected in order to lock in that rate. Our original Closing Date was estimated as XX/XX/2020. We have signed numerous lock agreements, extending the 2.25 % promised since early XXXX. Given our credit scores range from 790 to 850 and we have over 40 % equity in our home, which is a primary residence, I am very confused as to why this process is taking so long. XXXX XXXX was assigned as our processor in XXXX. Since that time communication with both XXXX and XXXX has been spotty. Sometimes they reply quickly to let us know that they were " just pulling up our file '' and will give us a call shortly which rarely results in a call. I have spoken with XXXX once in the past month where he said that he looked at our file and nothing looks out of place that would cause a delay, yet, here we sit, 105 days after our original application. I have asked repeatedly for this situation to be escalated. XXXX and XXXX have told me that they have both escalated with their managers but won't give me contact information on their managers so that I can reach out directly. My fear now is that this company isn't even valid and what if I sent a lot of very sensitive information to them with which they could do damaging things to my husband and I. I work for a Bank and am shocked that I am actually filing a complaint with the CFPB but I am truly at my wit 's end and am also very concerned. 
Application # XXXX Thanks! 
XXXX and XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Capital one fails to process " correction of error '' as a standard for actual damages which cost me increased in denial to close on recent mortgage, lost of XXXX money of {$7500.00} and other caused my credit score drop significantly. when I expressed to capital one that they are exhibiting abuse of power knowing that I never received the card, no knowledge of terms of agreement of any annual fee, card was never activated, non receipt of any statements yet they placed the master card allegedly opened in XX/XX/XXXX of {$300.00} limit now negatively reporting sporadic late entries on my credit for months upon months for annual fees, late fees and interest for deceptive and false reporting. 

I learned of this issue in XX/XX/XXXX of the issue as i was not aware of this account reporting on me due to i have other accounts with capital one. Capital one is truly and the only one that reaped all the benefits of getting money deceptively from me while i as the consumer suffers reducing credit scores,, lost of {$7500.00} for earnest money in not able closing a mortgage loan due to that account reporting negatively and ongoing risks of high interest rates. The deceptive behavior of all at capital one continues to harm me. Not only has Capital one failed to conduct ethically under the guidelines of the FCRA but Capital one has willfully violated TILA and regulation Z 12 CFR 1026.9 - Subsequent disclosure requirements and only continues to act unfair and deceptive. Capital one agents expressed and promised to remove all fees and negative reports due to the facts of my having no knowledge of this card and told me to just pay AND THEY WOULD DELETE ACCOUNT. the ONLY OTHER legit cards that used with a master card of capital one as i was an authorized user opened in XXXX for limit of {$300.00} only other legal cards I have is the {$500.00} limit MC opened in XXXX card master card with capital one. I have been only abused and only received unfair and deceptive conduct from Capital one of all this false AND DECEPTIVE reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: EQUIFAX, INC.
State: PA
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 my name is XXXX XXXX i am writing to delete the following information in my file. The items i need deleted are listed in the report. 
i am a victim of identity theft and did not make the charge. i ask that the items be deleted to correct my credit report. i reported the theft of my identity to the the federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.

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 2020-11-04
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing to you today regarding the NAVIENT SOLUTIONS , XXXX account, Account # XXXX, Date Opened XX/XX/2005, Balance {$1200.00} and send you my notice of intent to suit. Your company has committed the following damages : legal advice expenses, not being able to obtain {$10.00} XXXX loan, emotional stress, and multiple violations. 

1. Inconsistent reporting across bureaus.

2. Failure to remove rehabbed account off credit report.

3. Negligence.

4. Breach of contract.

5. Reporting false and erroneous information. Violation to section ( 609 ) of FCRA 6. Missing CA Notice : Failure to provide notice of late payment insertion required by California Credit Reporting Act.

7. Reporting adverse/negative information without a warning notice. Violation to section 623 ( A ) ( 7 ).

8. Failing to provide notice after negative information was reported.

My demande is delete the entire tradeline reported on this account and send me a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Fidelity National Information Services, Inc. (FNIS)
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX has been reporting a fraudulent account XXXX XXXX  in my name that I have already disputed as fraud and identity theft.

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 2020-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent a dispute to have these addresses that are appearing on my credit report, and they still have not been removed, I have sent numerous letters every month about addresses appearing that do not belong to me. The following is incorrect : Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX have not lived XXXX these XXXX. My primary residential and mailing address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA 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 2019-01-07
Company: BANK OF HAWAII CORPORATION
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My checking account was garnished in the amount of {$9500.00} on XX/XX/19, the day my financial student aid was deposited. Bank of Hawaii honored that judgement. Federal law exempts student financial aid, student loans ans SSI from  garnishment. These are my only source of income and no other money is in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I normally sell goods on XXXX, but I don't know why my money was taken away by PayPal .I am a legal American citizen .I did not sell any illegal products. 
PayPal - negative {$6800.00} XX/XX/XXXX Transfer Loading transaction details for PayPal - negative {$6800.00} XX/XX/XXXX Transfer You reported a problem with this transaction. See the status of your case in the Resolution Center. 
Paid with Balance {$6800.00} Transaction ID XXXX Seller info PayPal Note {$6800.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation

Company response to consumer: Closed with explanation