BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-23
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: Account status incorrect

Complaint:
XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX  ) and University XXXX XXXX ( XXXX  ) misreported and kept my credit score at a low, causing me to enter into several deals with a higher-than-deserved interest rate for the last two years. Currently, this misreported score is keeping me from using my VA Home Loan to buy a house at a fair interest rate. 

From XX/XX/XXXX to XX/XX/XXXX, I attended XXXX to complete an XXXX ( XXXX XXXX XXXX ) studies. In XXXX, I took a private student loan from XXXX, who assigned it account number XXXX. I did not make payments towards the loan in XXXX, so XXXX sent the account to a collections agency, XXXX, who kept the account number as XXXX. On XX/XX/XXXX, XXXX and/or XXXX reported the delinquency to Experian. 

On or about XX/XX/XXXX, I entered into a repayment plan with XXXX agreeing to pay {$55.00} per month on the loan. Neither XXXX nor XXXX reported this agreement to Experian. 

A few months after entering into the repayment agreement, XXXX changed their accounting system/software, which involved reassigning my account number from XXXX to account number XXXX. XXXX and/or XXXX reported to Experian that I had two delinquent accounts. 

On XX/XX/XXXX, after learning of the misreported information, I contacted both XXXX and XXXX. They have informed me that they would " fix '' the situation. XXXX and/or XXXX reported to Experian that I had entered into an agreement, but failed to inform that I have not been delinquent in payments during the last two years and a half. 

Now, I have 15 days to close a deal on a house through VA and I will be obliged to enter into a mortgage agreement with a higher-than-deserved interest rate because of the misreporting by XXXX and/or 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 2020-08-23
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Several years ago, I was in a bit of financial trouble. I asked for a temporary freeze on my account to help me get through it. I was granted the request allowed the auto pay from my account for a year. I continued to make payments over the course of the following year and have almost paid the debt completely off. All payments were made on time and at larger sums that previously. My credit score is the highest it has been in the last two years but I just received an email that my account is being closed due to my credit score.  How is this possible when its the highest it has been? I reached out to customer support to see if my account was going to be closed in XXXX since I noticed I wasn't able to use the card yet. He replied no my account wasn't going to be closed yet a couple months later it is. Now by closing this account you are hurting my credit score that I have worked really hard to build back up again. Your reasoning makes no sense, and how convenient once you get your money you close my account but not 2 years ago when I had a higher balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have made Electronic Funds transfer to my girlfriend using her mobile number in online banking. She did receive a text confirming she received the transfer but when she checked her bank account the money wasn't there. I have filled claims with Bank of America but customer rep said the money went to someone else and this person didn't agree to return the money. How is possible that her mobile number was used by someone else? She has the same mobile number for around 10 years. I understand that Bank of America should be checking if the mobile number is valid and if it has been setup by the owner to receive money. 

The first transfer was made on XX/XX/XXXX with amount of US {$1600.00} and second transfer on XX/XX/XXXX with amount of US {$500.00}. 

Claim numbers : XXXX XXXX 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 explanation
Consumer complaint received 2020-11-14
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:
Disputed erroneous incorrect bankruptcy reporting on my credit report XX/XX/XXXX. Experian replied back verified by courts or XXXX. I sent XXXX letter XX/XX/XXXX Experian replied back " unable to honor my request. '' I then send a method of verification letter XX/XX/XXXX certified tracking number XXXX which was signed for by Experian on XX/XX/XXXX at XXXX XXXX which multiple reps have stated on XX/XX/XXXX they can not see the letter or they didn't get the letter which is not true. as I have proof they have it. Experian needs to be held accountable for not properly verifying disputes according to the FCRA 611 law which entitles me to proof the debt belongs to me which Experian has failed 3 times to do so. XXXX XXXX @ XXXX I was told by rep XXXX XXXX Experian does not have to give method of verification and they were given the information by the courts. XX/XX/XXXX spoke to will @ XXXX, XXXX XXXX @ XXXX and XXXX XXXX @ XXXX and XXXX @ XXXX who all were not able to provide an update on my dispute. My XXXX file has been suppressed since XXXX including all public records and I have a letter from the bankruptcies court stating they do not and have not furnished info to Experian. Also per XXXX @ XXXX my files is suppressed ref # XXXX # XXXX # XXXX. IF Experian can not and they have not to date properly investigate, verify and prove the record is mine, this needs to be be taken off my credit report immediately as their fradulent negligence and deception is causing me harm and reframing my character. I want the unverified incorrect erroneous bankruptcy off my credit. I have filed a complaint to the XXXX on XXXX ref # XXXX which exerian has yet to respond to and also a complaint to the attorney general office here in GA.

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 2021-08-19
Company: EQUIFAX, INC.
State: FL
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 credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: Experian Information Solutions 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:
On XX/XX/2018 I submitted a request for a credit line increase online with my XXXX XXXX XXXX card through XXXX XXXX. When I requested there was an option that had a check box which allowed XXXX to access your credit report. Below that it had a statement which reads " Please note that we can still review and consider your request for credit limit increase without accessing your credit report. If you do not wish to grant permission for us to access your credit report, do not select the checkbox ''. In order to prevent a hard inquiry on my credit report I did not select the checkbox, however a hard inquiry was still made on my Experian credit report. I called in XXXX to XXXX XXXX  and was told by the customer service rep there that I would have to dispute through the credit bureau. Experian the credit bureau stated the only way it would come off is if it was a result of fraud, otherwise I would have to contact XXXX XXXX to have it removed. This morning I called again and spoke with a customer service representative who transferred me to XXXX ( ID XXXX ), She told me she was a supervisor and that although the option to not have your credit report accessed is there, it is still done anyway. She also informed me that the hard inquiry would stay on my report. I informed her at the time that this is misleading to the consumer and I would have understood a soft inquiry but would have never requested the increase if I knew it would negatively affect my score with an unwanted hard inquiry I have included copies of the actual statement that is on the website informing the consumer that they can still review and consider a request for the credit limit increase without accessing your 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 2020-06-04
Company: EQUIFAX, INC.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. THESE ACCOUNTS ARE FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: U.S. BANCORP
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I prepaid the property taxes at the end of XXXX for the due date of XX/XX/XXXX. I notified the bank in XX/XX/XXXX about this payment. They verified the tax payment in XXXX of XXXX. Based upon the projected tax assessment for XXXX, US Bank increased my payment slightly to account for their estimated escrow shortfall. Meanwhile, I have been making mortgage payments to include escrow for taxes already paid. 
My XXXX mortgage payment was made on time, but due to the shortfall it was put in suspense and I was assessed a charge of {$170.00} for a shortfall of {$27.00}. 
I called the customer service department on XX/XX/XXXX. After a lengthy conversation and contact with their tax department it was determined that my escrow account has an overage of over {$6000.00}. They also stated that they only review escrow analysis once a year and since this was done before verification of my tax payment, it would not be reviewed again until next year. In effect I am overpaying for my escrow, but since it is not correctly accounted for, it appears my automatic payments are short. I will be adjusting my auto payment to match their current statement amount. I am extremely concerned that the bank which is not monitoring my escrow account properly has found a way to increase my payment and then charge me a late fee of 600 % of the incorrectly calculated shortage. In fact, the customer service XXXX indicated that the only reason they are looking at my escrow and are now processing a refund is due to my call.

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 2018-04-24
Company: Social Finance, Inc.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX of XXXX, I consolidated 6 private loans under three different loan servicers : XXXX ( 1 loanXXXX XXXX XXXX {$7200.00} ), XXXX ( 3 loans- XXXX XXXX XXXX- {$1300.00}, XXXX- {$2700.00}, and Perkins loan- {$3000.00} ) , and XXXX ( 2 loans-XXXX XXXX- {$6500.00} and XXXX- {$8600.00} ) with Sofi for XXXX. XXXX then became my consolidated loan servicer. In XXXX of XXXX, I noticed that I kept receiving XXXX bank statements to re-pay my loan. I also noticed that my beginning balance at XXXX ( {$30000.00} ) dropped to {$20000.00} within 3 months. I called Sofi 4 times in regards to this situation. The final representantive I spoke with ( a member of their specialist team ), stated that Sofi made an error and did not include my XXXX loan. A previous representative I spoke with told me that Sofi would " take care of the issue since this was an error on Sofi 's end. '' I was never notified by Sofi about the exclusion of the XXXX loan and thus, was late on my XXXX payments as I was under the impression that Sofi had consolidated all 6 loans. Sofi is now stating that I must re-start the loan application process and now consolidate XXXX with XXXX in order to resolve the situation for their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: TCF NATIONAL BANK
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
All accounts with XXXX XXXX on which I am listed as an owner or an authorized signer will be closed effective Monday, XX/XX/2019. I have been at the bank and spoke with the manager at the branch and she could not give any information. She tried to call to the head quarter, but did not get information. I have called to the phone number which was provided in the letter but was told that account is going to be closed. The reason - it is internal decision and no more explanation. I do not fill any wrong doing to cause any risk to Bank. 
I would like to know what is the problem. I feel myself as a criminal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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've had a credit card relationship with Capital one for about 5 years now and never had an issue. I've consistently paid on time and never had any issues. I even work at the largest credit union in XXXX, TX and have recommended Capital One to many members wanting a reliable CC however, things have drastically changed within the past few months. When out with my family on XX/XX/20 I was told that my Capital One card was declined. I have a {$10000.00} limit on the card and religiously pay off the balance each week so I know it wasn't anything to do with non sufficient funds. I quickly checked my app and noticed my card was restricted. After that embarrassing moment I called Cap One and was told that I was sent a letter requesting information ( DL, SSN,  Proof of Residence ) and since I hadn't responded within a certain time frame, my card was restricted. I had no idea, as I always opt in to the paperless option with all merchants and financial institutions. Most mail I get is pretty much pre-screened offers so there was a good chance it went in the trash. Either way, I log into my Cap One account at least twice a week and assumed there would have been a notification on my acct to provided that info. Either way, I faxed the info the following Tuesday XX/XX/20. Fast forward to a couple of weeks later, then a month, and now XX/XX/20 nothing has been done and my credit card is STILL RESTRICTED! The " manager '' I spoke with today stated they have a small team who reviews this information and hasn't came across mine yet. You would think that such a large company would add more people to that team to knock these out faster. What upset me even more was that I had to cancel an XXXX  rental and was credited back to my account over {$200.00} which some covered a small balance I had left. Now {$190.00} OF MY OWN MONEY is on hold and Capital One is unable to return it to me. They can conveniently still accept payments and won't hesitate to report a late payment if I don't. This is very unacceptable. Luckily I still have a job and have another card in case of emergency, but I feel sorry for those who are dealing with this and had been relying on their CC as a source of income especially during this pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: EQUIFAX, 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:
XXXX of XXXX XXXX  has been reporting incorrect information to my credit report since his company acquired my loan back in XXXX. I have spoken with him and other employees within his company and nothing has been correct. Back in XXXX XXXX has requested a garnishment of my wages. The court case was in XXXXXXXX XXXX XXXX and one check came the day after the court date and he refused to go to the court to pickup the funds. So they were sent back to my employer and then back to me. Just recently he took me back to court again to garnish my wages for the same amount that he refused to pickup after the clerk of court reached out to him to make him aware that the payment came in right after the court hearing and was dated within the garnishment dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: Westlake Services, LLC
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: Old information reappears or never goes away

Complaint:
I have a problem with XXXX XXXX XXXX, the loan belonged to my ex wife and not me, well, they had placed it on my credit report and it has been there now for many years. although it is not mine, and as of XXXX of 2016 it was suppose to be removed, and XXXX is refusing to remove it from my credit report!!!, as far as I know that XXXX went bankrupted, this is not my loan through them, can you all help me out?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: EQUIFAX, INC.
State: MI
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:
Equifax reported negative inquiries on my consumer credit report from other companies. Equifax obtained information from someone else and took information from someone else without my knowledge. 
Under the U.S. Code 15 1681 ( b ) - Permissible purposes of consumer reports its against the laws and a violation. I did not give my written consent or permission to Equifax to report those inquiries to my consumers credit report. No consent is identity theft and identity fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
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:
I have recently been taken my credit more seriously. After reviewing my credit profile I see that there has been inaccurate information reporting on my report due to identity theft. I have submitted a complaint with the FTC. These accounts are detrimental to my credit score and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
TRANSUNION CREDIT REPORTING REQUESTING TRANSUNION TO REMOVE 4 NEGATIVE REPORTING ACCOUNTS FROM MY TRANSUNION CREDIT FILE : DUE TO THE NATIONAL EMERGENCY AND PANDEMIC, I HAVE NO ABILITY TO PAY THE FOLLOWING 4 ACCOUNTS LISTED BELOW AND AM ASKING THEM TO BE DELETED AT ONCE. THESE 4 ACCOUNTS ARE : 1 ) XXXX XXXX  2 ) XXXX  XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 been disputing two bankruptcies on my credit reports I reached out to the court and was told they haven't talked to any bureau and they sent me a letter saying so I've been trying for over a year to get them off and its causing me terrible hardship I reached out to the XXXX XXXX provider XXXX because XXXX  told me to do so and they deleted XXXX XXXX them but the bureaus won't even after XXXX sent them letters but XXXX and the bureaus still need to delete the other one and they won't send me the information where they're saying they are verifying it from

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 2018-06-29
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I keep getting multiple phone calls a day from this company despite not having any contracts or anything with them. They keep calling in reference to a debt that for one isnt owed to them and that I have already paid! This has already cleared my account and I have even told them that its been paid but yet they keep contacting me and threatening to add this to my credit report. Well if they do I will have no choice but to exercise my consumer rights and take legal action against them! This would be the FOURTH FRAUDULENT time theyve done this to me, Ive had to report them multiple times earlier this year!

Company response to consumer: Closed with non-monetary relief