BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-10
Company: Experian Information Solutions Inc.
State: MI
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:
There was a payment of {$140.00} that never was credited. I have always paid timely and the account was frozen yet once I requested it to cease the frozen status, then what occurred was they immediately stated I owed a payment. 

Unfortunately, I never received the card and XXXX  charged me {$30.00} to send the card XXXX. 

Please help me as my score has plummeted over 40 points  erroneously. 

Thank you,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-11
Company: FIRST CITIZENS BANCSHARES, INC.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2020 I opened a checking and savings account with First Citizens Bank of XXXX It was advertised that I would receive a {$300.00} bonus for opening both accounts and doing 10 debit transactions. I completed all the requirements and have contacted the bank and still have not received the promised {$300.00} bonus. It has been almost 5 months since I met the requirements of the promotion and when I ask about it they state : " Thank you for your message. We appreciate the opportunity to respond to your inquiry. We do apologize for the inconvenience this has caused. We have forwarded your information to the correct department to inquire about the promotional credit. We will contact you when we receive a response. '' Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-18
Company: Google Compare Credit Cards Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I am XXXX yrs old and live on a budget. On Saturday the XXXX or XXXX. Someone was able to make 10 charges to my account. At first, i thought my XXXX yr old grandson did it because he just got a phone. Then when they said it came from a XXXX XXXX??? I have no games and neither does my grandson. I dont know how someone did this??? I closed my bank account and my bank feels that XXXX should refund the money they got!!! Any help??? XXXX XXXX for acct # issue XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
The XXXX department sent the money to the program, USReliaCard, and the USReliaCard program from Florida has my money since XX/XX/2020. Total amount {$6800.00} but the card is blocked by https : //www.usbank.com/business-banking/business-services/business-prepaid-cards/government-disbursements.html USbank ReliaCard Cardholder Services XXXX. XXXX  XXXX XXXX, Florida United States Phone : XXXX, The ReliaCard is issued by U.S. Bank National Association pursuant to a license from XXXX XXXX XXXX. or XXXX XXXX XXXX. Mastercard is a registered trademark and the circle 's design is a trademark of XXXX XXXX XXXX. 
The 1st card I would not activate so I had to wait for a second card. It usually takes 5-7 business days for the card to arrive. I was told that I needed to fax in a copy of my drivers license, my bills, and provided my full SSN number, and it would take 24 hours to be activated. I faxed these documents several times and I have not been availed to have access to my funds. My family and I are homeless, with one of my children who are XXXX, I have back bills and this company usbank-reliacard know this and they don't care. I have already filed several complaints with many managers and they don't care and even one of them named XXXX was laughing at my situation. Please do something about it.

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 2020-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2020 and on XX/XX/XXXX of 2020 as well theres a particular two transactions done to the Bank of America account one of them was initiated by me it was just gon na be a transfer from the account the business account to the personal no the verification did not go through so I had a calling to the bank and they were ever verify everything was good now on XX/XX/2020 there was a deposit down to the account and this deposit was supposed to be from a client of mine that I have paperwork for all the paperwork needed to work on the XXXX  now he left me a down payment cash yes me too if you could direct deposit me the funds the rest of the funds I said yes so I gave them the account number now he made a mistake in the direct deposit to put it out to payable to him so I did not see that that was the case until the bank got involved and let me know of the situation i got in touch with them when inside the branch and told him. They provide me with the information to dispute the transaction for when I was home and everything was gon na be fine that wasnt the case when I got home called and they said that they had to close down the accounts I have all necessary paperwork that Ill be providing to you guys you guys can go over this paperwork this is the work that was done to this mans XXXX  and the bank is interfering in my business and hurting it and money wise transactions

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 2023-03-14
Company: Mr. Cooper Group Inc.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX admits there was mistakes contrary to what she told you several times. 
Attached Note XXXX page two states XXXX is due to reinstate my loan. 
Please see 9Month. It states XXXX that {$48000.00} is needed to reinstate my loan. 
My payment is to be {$2600.00} 9 months of that equals {$23000.00} If we subtract that from the timeline ending XXXX {$59000.00} less {$23000.00} we get {$35000.00}. 
If anything XXXX made was accurate it would balance forward and backward. Here we see of 2 documents she produced one must be errant. 
No verbose statement fixes such an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My purse was snatched with all of my Identification information in it. I called and spoke with a representative and explained what happened. They instructed me to send in a identity theft with the information that was created by the thief to have that deleted from my credit 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 2021-07-19
Company: Experian Information Solutions Inc.
State: AZ
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:
The company continues to report my previous mortgage ( XXXX ) as foreclosure and it was a short sale, that is inaccurate as was not a foreclosure, my next step will be filing a lawsuit if the account is not removed immediately. I have sent countless letters and disputes and continue to be verified as accurate.

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 2021-07-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a dispute on inaccurate information on my credit report and the investigation has taken more that 30 days and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: BROKER 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: Credit inquiries on your report that you don't recognize

Complaint:
I did not apply for any loan with this company. This was illegally done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: RENASANT CORPORATION
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
My mortgage company is attempting to foreclose on my property with a complete modification package in their possession this a violation of Federal Laws. They received the workout package and while reviewing for a loan mod my account was referred to their foreclosure attorney XXXX XXXX XXXX. This is defined by the Frank Dodd Act as DUAL TRACKING. This company refuse to help me with a modification for over 5 months. Once my loan package was received they forward my loan for foreclosure in order to take over a million dollars in equity. I feel this is racially motivated because I am a triple minority living in a predominantly XXXX area with nearly 2 million dollars in equity. 

I also mailed a QWR 4 months ago and they never responded.

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 2023-01-26
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: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( XXXX ) credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2020 Balance : {$3400.00}

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 2021-01-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

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 2020-11-28
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Macy 's offered a phone settlement for a debt but did I did not accept it if it would harm my credit score. They did not give me a written statement about what a charge off account is. They did not inform me that I would be unable to speak with there credit card reporting service department. And they made me believe that if the debt once paid on my Macy 's card that they would remove the inaccurate information on my file. Well, none of these things happen. The Macy 's executive office incorrectly believes I signed a settlement offer, which I did not. And the information provided to me by Macy 's has been false. 

I would like Macy 's to investigate whether I signed a proper settlement, that I was informed of the consequences on my credit report and that they followed correct protocol. 

I hope that they provide all the information from this investigation to me regarding the situational " acceptance offer '' of a settlement offer which I never accepted.

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 2018-12-25
Company: DISCOVER BANK
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a personal loan with Discover Bank of principal balance of XXXX. Also I have a Discover credit card always in good standing without any late payment. 

On XX/XX/2018 was supposed to be the first due date of the personal loan ( Discover ). By personal problems ; the first payment was paid on XX/XX/2018. The next payment was on XX/XX/2018 ( due date is number 3 with grace period of more five days ) so the repayment is current and on track at the present. Also prior to XX/XX/XXXX ; the late fee of XXXX was paid ( XXXX dollars ). 

Discover Bank with out any prior notification, any call and in violation of the personal loan contract ; suspended or freeze my credit available of my discover credir card. Approximately 6,700 of XXXX ( total ) is my credit available. So I always maintained in good standing my credir card. 

Discover violated its contract, cancel my credit available with out any prior notification and using the credit card as a collateral and suspended without two missed payments.

Additionally the last statement of the personal loan reflects different principal balance in compare with the credit report at this moment. The principal balance in the credit report is not correct infuse by Discover and its mayor than real principal balance reflects in the hard copy loan statement. So it is malicious information in the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: EQUIFAX, 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:
On XX/XX/2018 XXXX re-inserted previously deleted items from XXXX XXXX without 5 days motions of re-insertion. Ive sent them letters two times but they just ignored it. Also Equifax on XX/XX/2018 really-inserted items from XXXX XXXX without 5 days re-insertion notice. Sent them 2 letters - to remove it immediately- they just ignored it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have fraudulent inquiries from XXXX  XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion has violated my rights stated in the fair credit reporting act 609 ( a ) ( 1 ) ( a ) and 611 by not providing original signed contract verifying  that certain accounts belong to me. I also disputed information regarding identity theft which constitutes immediate removal according to the fair credit reporting act 605 b regarding information resulting from identity theft. it has been over 60 days since I sent in my initial dispute with supporting documentation and TRANSUNION has not removed these fraudulent accounts.

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 2021-07-19
Company: EQUIFAX, INC.
State: NC
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  was sent a letter of dispute. After review of my credit reports, XXXX XXXX  has not marked my account as disputed as required by the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX CREDIT XXXX BANK Account Number XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX A XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: Resurgent Capital Services L.P.
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:
Company keep reporting inaccurate information. I have disputed numerous of times for fraudulent activity on my credit report. I have tried to dispute items company refuses to dispute account again for fraud. Lvn funding has never gotten a copy of my identification card or signature for an account with them. XXXX XXXX XXXX is the credit card company reporting I been told them that was identity theft account. XXXX XXXX  is paid off and closed out over seven years still reports the same. I have inquires that are fraudulent as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
XXXX obtained a copy of my credit report on XX/XX/2021 - without my permission. The FCRA states that inquires made without " permissible purpose '' can be removed. Additionally, the FCRA states I can sue for damages up to {$1000.00} for pulling my credit report without my permission. Upon contacting XXXX, they were unable to provide proof of my signed approval for them to pull my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XX/XX/XXXX a fraudulent item on my report from XXXX XXXX XXXX was removed from Equifax. I reviewed my report XX/XX/2020 and the item has been reinserted. I provided Equifax with the FTC Report an other requested documentation and I received no notice of it being investigated nor was I notified of it being reinserted on my file. I spoke to 8 different representatives before speaking to a lead named XXXX in Consumer Affairs at Equifax, she indicated that I would have to re-dispute the information all over again. When I disputed the the item 2 years ago initially they provided this company with personal information of mine that the company would never had and they refused to provide me with how the debt was validated or documentation. When I requested a Manager she acted as if she could no longer hear me and sent me to a survey. I spent a total of 5 hours just trying to speak to someone regarding this. 
I need guidance and assistance. Equifax has to stop violating the rights of American Consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I try to check my credit reports a couple times a year to be sure they are correct. Noticed over 2 years ago company under third party I never heard of on my report. Sent notice to Transunion and request to remove. Not only did I not know the company but the info was over 12 years old. Transunion has locked me out of my account for over 2 years now stating they can't verify. I got in 1 time through your yearly credit report and they locked me out again. Don't know what is going on with them but apparently I am not the only person they have done this to. I can't check for errors like they had on my report if I can't get in. They whole third party was weird and I think someone at Transunion may be connected to them and that is why they are doing it.

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