BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: NV
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:
Unaware of item

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 2020-07-29
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: Information belongs to someone else

Complaint:
SOMEONE USED MY INFORMATION THESE ACCOUNTS ARE NOT MY ACCOUNTS THEY NEED TO BE REMOVE

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 2021-06-01
Company: EQUIFAX, INC.
State: LA
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:
These companies are in complete violation of the Fair Credit Reporting Act 15 U.S.C Section 1681 for Unlawfully obtaining my consumer report. I contacted Equifax last month about these fraudulent inquiries on my credit report and submitted the identity theft report and they did nothing. Its been XXXX  days already. They are violating my consumer rights at this point. I also completed a complaint last month. I don't want an investigation these fraud inquiries need to be removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
Twice in the last month, I've applied for things ( apartment as well as auto loan ) and my approval has been subject to conditional approval of district managers. While I don't have true detail, I was finally able to get one of the parties to tell me that it was due to a report of fraudulent activity from XXXX 2019. 

I have no idea what they're talking about and was unable to find anything within my XXXX, Transunion, and XXXX credit reports. This feels like a wild goose chase but I'm extremely nervous due to the fact I plan to begin applying for mortgages within the next month or two. 

What can I do?

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 2020-07-29
Company: U.S. BANCORP
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I recently applied for a home loan with my bank, U.S. Bank. I was pre-approved rather easily and began the home search. While searching for a home I made sure to send in all the documents I would need to move forward with the closing process so there would be minimal delays and to make it easier on the lender. However the loan officer I was working with, XXXX XXXX, wasn't helpful at all. I had to reach out multiple times to ask what the next step was and multiple times had to wait several days for a response or didn't hear back at all from him. As of XX/XX/2020 I had all my documents including the signed sales contract for my home uploaded or sent in. I indicated to XXXX that I'd like to move forward with closing and lock in the interest rate for that day. For the next 2 weeks I emailed XXXX asking for an update and he told me the processor, XXXX XXXX, would be getting in touch with me. She never did. I followed up with her and still received no response. It wasn't until I emailed another representative, XXXX XXXX, on XX/XX/XXXX that I was notified that she would get everything processed. She indicated a closing date of XX/XX/2020, almost an entire month after my expected closing date. XXXX was as helpful as she could be and I appreciated her stepping in and doing her best to resolve the situation quickly. However XXXX was not at all helpful and I still haven't heard anything from 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 2021-01-29
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
A {$95.00} annual fee was paid for XXXX card ending in XXXX. This card was closed XX/XX/XXXX, I am owed a refund of the annual fee - no credit has posted to my 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 2019-03-05
Company: Experian Information Solutions Inc.
State: CA
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I visited Experian 's website because they said I could get a free copy of my credit report. I monitor my credit through XXXX XXXX. It has data from XXXX  and XXXX but not Experian. I also check my FICO score through my XXXX XXXX XXXX account. I thought I was getting a free credit score from Experian as they advertised, but now they have billed me for a monthly subscription of {$21.00} for XXXX and XXXX, 2019. I called them twice and got through today to XXXX in the XXXX who agreed to cancel my subscription but no refunds. I complained and now he is refunding the XXXX fee of {$21.00} but not the XXXX 2019 charge of {$21.00}. I don't feel this is right. Their website is set up to trick people into subscribing. I don't need their service. They should also refund the XXXX 2019 charge. I don't get anything for their charges and I don't need 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 2019-03-05
Company: Capio Partners, LLC
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:
Capio Partners is in violation of my HIPPA rights. I reached out to the company over 30 days ago and no response. I requested validation of the alleged debt and haven't received anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-30
Company: EQUIFAX, 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:
The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Alorica Inc.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
SST Systems phone XXXX XXXX XXXX XXXX XXXX IL. XXXX XXXX Amounts {$9300.00} added to account for forced insurance without contact or knowledge they said they had the wrong address but there records were correct. 
they were sent the insurance and failed to credit the account when asking for payoff they added it to the account and i was never aware of it except for going back and asking for a statement which they have failed to produce. 
they illegally back dated insurance policy and wont produce the policy. 

total scam they add money to the payoff and nobody knows when you ask for a payoff it is all included and never disclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
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:
On XXXX I filed a proper dispute of two unknown medical accounts being reported to Equifax by XXXX XXXX XXXX ( acct # XXXX and acct # XXXX ). On XXXX I contacted XXXX XXXX XXXX with a dispute and request for validation on these medical accounts per instructions from XXXX. On XXXX I re-disputed to Equifax with a copy of my dispute/validation letter to XXXX XXXX XXXX, along with proof of the collection agencies receipt of the dispute. Equifax has refused to properly investigate or remove this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I have one Wells Fargo credit card account and had four different card statements all from the same account with a closing statement dated XX/XX/2020 On XX/XX/2020, not one of those closed cards had a balance of over {$100.00} The new card had been generated XX/XX/20 and has been turned off since XX/XX/20 and remained off ever since. There have been numerous mistakes and payment reversals and misapplied payments

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 2020-05-30
Company: DISCOVER BANK
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account with Discover Financial Services was opened in my name fraudulently. Have notified Discover via phone and provided a statement. This is the second time i've disputed this information and it still reports to my credit report. Balance of {$1300.00} nor the account belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions 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:
I am writing to dispute an unauthorized credit inquiry on my credit report. I visited a car dealership that was supposed to run only XXXX account for me, but instead, they ran my credit for multiple accounts and resulted in multiple hard inquiries on my credit report. I did not authorize this inquiry, and I was not informed that my credit would be checked for multiple accounts. 
I am requesting that this unauthorized inquiry be removed from my credit report immediately.Please investigate this matter and remove the inquiry from my credit report as soon as possible. 

XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Thank you for your prompt attention to this matter.

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 2022-11-16
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The company's/TD Bank 's response to our previous complaint with the ID no. XXXX is evasive, non-responsive to the issue raised, i.e. our request/application for rate of interest modification/reduction wrongfully denied, as it has been thoroughly explained in our complaint. 
In its response, received on XX/XX/XXXX, without answering the issue, TD Bank advises us seek further assistance from its Customer Service Team and the local branches. Upon calling, and visiting the local branch, as directed, on XX/XX/XXXX, and XX/XX/XXXX, we have been told that the rate modification program no longer exists. 
How convenient for the " most convenient bank in America '' that provides " legendary service '', as it constantly advertises, to avoid providing a basic service for its customers!! 
We hereby reiterate our request for a modification/reduction of rate of interest

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am unable to unfreeze my credit with Equifax so that I may apply for a home loan. Due to a software glitch on the Equifax website I am completely locked out of my online account and unable to unfreeze my credit. Technical support was unhelpful and refused to escalate the issue. Each password reset attempt locks the account further and Equifax is unwilling to help. We are unable to move forward with our home loan refinance!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: FISERV INC.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/XXXX I wrote two checks at XXXX XXXX. Both cleared my bank on XX/XX/XXXX. However, Telecheck, the vendor for electronic checks for XXXX XXXX both cashed one check for {$300.00} then put it through again as NSF on XX/XX/XXXX. That check also cleared my bank on XX/XX/XXXX. 
I have spent over 6 hours on the phone with XXXX, the bank, Telecheck, and XXXX XXXX  trying to resolve this. On XX/XX/XXXX XXXX faxed proof that all three checks had cleared to Telecheck with the case number Telecheck provided. 
Yesterday I received a letter from Telecheck saying they had insufficient evidence to investigate and instructing me to write a letter, get copies of all transactions for five days before and five days after each transaction and send all with a copy of the letter to them. 
Since the second transaction happened XX/XX/XXXX, I had to request a ministatment from XXXX, which will take another five days to get. 
Today Telecheck also processed a {$30.00} NSF fee against my account. 
XXXX XXXX has tried to help. They are sending my letter and a copy of the XXXX bank statement out in the mail today. I expect this will take another week at least to be received and processed by Telecheck. Telecheck now has {$330.00} of my money and is completely nonresponsive. This is money I can ill afford to lose right now. 
The preauthorzed check numbers involved are XXXX and XXXX. The check presented in error is XXXX. The NSF fee is number XXXX. I would like to have my money back and any derogatory information removed from my Telecheck record as well as XXXX 's records. Thanks in advance for any assistance you can provide. 
The Telecheck case number is 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 2020-07-29
Company: eToro USA LLC
State: ME
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX  XX/XX/2020 eToro USA LLC XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX   CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  Demand Notice To Whom it May Concern : On XX/XX/2020, I applied for an investment account at eToro USA LLC ( the Company ) in response to an offer to earn XXXX  SB ( the Offer ) on the XXXX website ( the Website ). The Offer terms stated Register, deposit {$50.00} and make two trades to earn XXXX  SB!

I completed all requirements by XX/XX/2020. 

As of today, the XXXX SB points have not posted to my account, despite repeated inquiries with the Website. 

Now, I respectfully demand that the Company pay the monetary value of the Offer ( {$70.00} ). 

Otherwise, this matter will proceed to trial with all costs borne by the Company. 




Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-10
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do no believe this debt is accurate. This was a business debt. The business was shut down due to lost of clients. This debt is overcharged or totally inaccurate. I do not know what the charges are for and how old these charges are. I do not know when these charges were made.

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 2021-03-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have attempted to dispute this debt with the creditor for the past few years. Portfolio Recovery continues to insist I owe a debt from XXXX XXXX  which I do not. I have several accounts with XXXX XXXX  and all of them have been paid in full. When previously asked for documentation from XXXX XXXX  confirming this debt is mine a few years ago I never received any documentation from Portfolio Recovery confirming an outstanding balance on any account with XXXX. Also when I reached out to the original creditor I was informed that I do not have any balances due on any of my current account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
Capital One has repeated denied transactions due to their fraud screening even after identity verification. I admire progress in companies flagging transactions " out of profile '' but Capital One has denied my last 4 ( all ) transactions in less than a week. All of which, I either verified my identity via their procedure, or attempted to do so. After being flagged repeatedly ( I actually gave advance notice of the 3rd transaction while verifying the 2nd charge and was still blocked ), I have been asked to provide further verification. 
Of greater to interest to you, is not only is this inconvenient, but when I tried to file a complaint with Capital One, I was told it was another department and I could not file a complaint until I went thru a higher level of identity verification ( which could take days ). 
I was of the opinion that any consumer could file a complaint, even if I was not an existing customer of the institution? I believe this is a direct violation of one or your existing rules. I additionally tried Capital One 's mobile site & website and did not find filing a complaint on either site intuitive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Lendmark Financial Services
State: NC
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:
On XX/XX/2023 I received a alert from XXXX XXXX stating that there was a remark make on my XXXX account from LendMark services stating that my account was increased by {$200.00} between the months of XXXX 2023 to XX/XX/2023. No missed payments were reported to that credit account. I went to the local branch on XX/XX/ 2023 and spoke with a representative loan specialist about the remark that was made and she looked into my account. She stated that the account on file does not show an increase in amount and the amount that was reported to the credit bureau is significantly more than the amount that I owe. She then went through my payments and stated that I did not have any missed or late payments so I also was not charged any late fees. She stated there wasn't any annual fees added to my account either so she did not see where those charges would come from. The loan specialist suggested to dispute the remark made to my account to XXXX and XXXX. She stated that she will print off my payment history if I needed to submit them to the credit bureaus myself to prove there was not an increase in my balance. My credit was negatively impacted by the remark that was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Went to Bank of America ATM at coliseum XXXX, XXXX, va on XX/XX/XXXX XXXX I attempted to make a {$200.00} payment in the ATM and the ATM kept XXXX of my XXXX dollar bills. The machine did NOT add to my account or give me a receipt confirming payment. 

I put the returned {$100.00} bill that was given back to me back into the machine in a new transaction, and it went through with no problem. I report, lost if XXXX bill, same day ... ... and clerk stated it would take 7 days to resolve. It is now OVER TWO weeks and the bank is now telling me that it could take two MONTHS. 


I need to know what is going on and I need my {$100.00} payment credited ASAP. I am sure ATM machines get checked every day and they should have known that too much money came out on the day my XXXX dollars was taken. The bank will NOT credit my card.

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