BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-05
Company: BARCLAYS BANK DELAWARE
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:
Hard Inquiry on my credit report for something I did not get approved for is stopping me from getting an apartment and other financial needs. This has destroyed my credit history.

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 2023-05-12
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 is reporting a bankruptcy on my credit report, and I've disputed it many times with them. Each time they come back and tell me its verified through either the Bankruptcy court or XXXX. However, pursuit to the FCRA, this is inaccurate reporting. I contacted the court, and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore, the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.

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 2020-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 identified 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 2019-06-09
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2019, a debt validation letter was delivered to Portfolio Recovery ( XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ) as to validate an account reporting on my report. Their 30 day investigation would have ended XX/XX/2019 and I still have received no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-05
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I went to XXXX XXXX in XXXX, WA. to make XXXX purchases. The cashier told me that the old XXXX XXXX card is no longer accepted, so she opened a new card for XXXX XXXX American Express. I told her that I had a credit on the old card of {$120.00}, and if she is closing that out, to please transfer my credit to the new card or send me a check. 

I did not receive a statement from XXXX XXXX American Express until XX/XX/XXXX. They added a {$38.00} late fee, and {$3.00} interest charged for late payment. I called both XXXX XXXX and American Express.  XXXX XXXX finally sent me a check for {$120.00} credit on the old card, and American Express removed the late charges off my new card. All was well, until I realized that this mistake lowered my credit rating to XXXX. I have always taken pride in having an over 800 rating! 

I am pretty upset about this because I pay my bills in full every month, and often make early payments. Please look at my American Express payment history. If I had received their statement prior to XX/XX/XXXX, I would have paid it. Please restore my credit rating.

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 2023-07-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
THE CHAPTER XXXX CASE # XXXX SHOULD NO LONGER REFLECT ON MY CREDIT FILE. TRANSUNION/ XXXX XXXX  HAVE BEEN NOTIFIED THAT THE PUBLIC RECORD SHOULD BE REMOVED AND DELTEED FROM FILE CREDIT FILE DUE TO THE STATUTE OF LIMITATIONS AND I HAVE HAD NO RESPONSE FROM THESE ENTITIES. 

THE CHAPTER XXXX CASE # XXXX SHOULD NO LONGER REFLECT ON MY CREDIT FILE. TRANSUNION/ XXXX XXXX  HAVE BEEN NOTIFIED THAT THE PUBLIC RECORD SHOULD BE REMOVED AND DELTEED FROM FILE CREDIT FILE DUE TO THE STATUTE OF LIMITATIONS AND I HAVE HAD NO RESPONSE FROM THESE ENTITIES.

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: CAPITAL ONE FINANCIAL CORPORATION
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:
Has pull a hard inquiry on my credit which I did not get approved for. Now I am trying to apply for an apartment and this is not allowing me from getting approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX I filed bankruptcy due to falling behind on mortgage payments. US Bank increased my payments almost {$200.00} without an explanation. Whenever I called the bank NONE of their employees were educated on the tax process and how this could have happen.I made several attempts to contact US Bank to resolve prior to filing, and each time I spoke to multiple employees who NEVER provided the correct information. I was able to successfully bring my mortgage current and have attempted since to stay on time with my payments. Unfortunately US Bank is making it almost impossible for me to make my payments on time. If I call in to make a payment they will charge an {$11.00} fee. when I asked for another option I was told I can go online and make a payment. when I log into the main website for US bank it provides the correct information. Once I select the option to make a payment it automatically directs me to an alternate website that states my loan is delinquent and they will not accept payments on my loan at this time via the online payment method. MY LOAN IS NOT PAST DUE When I called and provided this information to a representative, the rep advised that I would have to send a letter stating I accept the receipt of e-statements. E-STATEMENTS HAVE NOTHING TO DO WITH MAKING A PAYMENT ONLINE. I'm also already enrolled in E-STATEMENTS I sent my XXXX and XXXX payments to US Bank via my XXXX XXXX XXXX bill pay. US Bank RECEIVED the XXXX payment on XX/XX/XXXX and the XXXX payment was RECEIVED on XX/XX/XXXX neither of my payments have been updated. My loan is showing due for a XX/XX/XXXX payment. this is incorrect and when I called in I'm being told US Bank is not showing proof of payment. Although my loan was DISCHARGED in  Bankruptcy, US Bank sent me an email requesting PAYMENT for XX/XX/XXXX. Clearly in violation of my rights after having this loan discharged in a  bankruptcy. Yet they are using tactics to garner fee income. I wish my loan was still with the original lender XXXX XXXX XXXX and was never sold to this TERRIBLE XXXX COMPANY.

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 2023-06-11
Company: Experian Information Solutions Inc.
State: NY
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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX my account was never XXXX days late. account was only approved for deferal. 
please remove these XXXX  day late for each month noted. 
i am entitled by FCRA to request this be corrected and removed.

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: Ditech Financial LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The escrow unit of my mortgage servicing company, Ditech, is supposed to manage and submit payments for real property tax as well homeowner 's insurance. I received my Real Property Tax Bill for the XX/XX/XXXX year from DC and the bill indicates that the real property tax for the second half of XX/XX/XXXX was never paid. Therefore there is an outstanding balance plus a penalty as well as interest. I called DC to confirm that there was indeed an outstanding balance and they calculated the numbers with me over the phone and confirmed that there is indeed a balance. They also told me that because escrow missed this payment, I could request a waiver of the penalty and interest. I then called Ditech to ask them what happened with the missed payment and to get the payment taken care of. First, they told me i received a surplus return from my escrow which has nothing to do with the outstanding tax bill. Second, they told me that Ditech did indeed make the payments. However, I told them that was not true because DC calculated the numbers and I checked the payment history from the escrow, and that payment was in fact not paid. The person i talked to insisted it was paid and tried to hang up on me and said he confirmed this with the manager. Finally, he let me speak to the manager who then put me in touch with the tax department. The tax department claims they never received the bill and said they would take my word for it to make the payment. I told them to make sure they take into account and also request the waiver of penalty and interest so there is no over-payment. They obviously were trying to get rid of me and quickly hung up. I have no confirmation that they will contact DC to get the correct amount or follow through with payment since multiple people gave me different answers. I also have no confirmation that they will request the waiver of interest and penalty fees. Please get this resolved for me so i dont continue to lose money like i did last year when Ditech refused to request an enormous refund i was owed by DC for a massive overpayment. Thank you.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-07
Company: TD BANK US HOLDING COMPANY
State: NY
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft TARGET/TD Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-13
Company: CASHCALL, INC.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
agrred to a settlement paided it but still shows up as open depet

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 2023-01-09
Company: EQUIFAX, INC.
State: NC
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 tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: NC
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Recently I got a job with XXXX XXXX XXXX  as XXXX XXXX I was in constant touch with the hiring manager XXXX XXXX via emails and chat .I received a check for {$9200.00} from XXXX XXXX XXXX for XXXX XXXX XXXX XXXX I was then asked to deposit the same in my personal account ( wells Fargo ) and issue a cashier check in name of a vendor XXXX XXXX XXXX XXXX account number XXXX ) and deposit it in XXXX XXXX  XXXX 

This hiring XXXX asked me to deposit the cashier check to the vendor in order to get the XXXX office Setup. 

The next day XXXX got email from my bank stating that I have overdraft ( negative ) balance of $ XXXX lost my existing amount ( {$950.00} ) in my bank plus I have to pay an additional overdraft amount to the bank. When I tried contacting XXXX XXXX XXXX they stated this as a part of a big scam and I was victim to this scam. No one from the company ever interviewed me, there was no communication exchange between me and the company.so the guy who interviewed me, send me check and the chase bank account holder XXXX XXXX who emptied my bank account was a fraudulent. 

So now I have to pay the overdraft amount of {$8000.00} to the bank. I understand I was the victim to this scam but I expected few actions from the banks end.

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: CITIBANK, N.A.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
i am unemployed due to covid 19 with no income, i have told them snd they call 9-10 times a day every hr/half hr right at 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 2023-05-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am a XXXX 100 % Service-Connected XXXX XXXX Veteran, and California resident, that has become extremely frustrated at not being able to obtain my ( 3 ) credit reports and FICO scores since XX/XX/2023. 

Attempts to call XXXX has taken endless hours of being transferred to a XXXX call center and as of today, XX/XX/2023 I still do not have access to my files. I have been transferred around the globe when speaking with XXXX and can not even speak with an executive in the USA. 

I am met with the same frustrations with Equifax and XXXX and I am tired of the long call times, outsourcing of my credit files to other countries and not being able to review my credit reports and FICO scores. 

The runaround is clearly elder abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: MVBA, L.L.C.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I was given a post card indicating that I was to pay an alleged traffic offense debt to XXXX Municipal Court back in XX/XX/2018. The post card is not marked, nor stamped by the post office, so I assumed it was another junk mail advertisement, til I turned it over. This was the first in a series of multiple attempts to collect a debt of {$330.00} for failure to control speed. I was never ticketed nor summoned by XXXX Municipal Court. I wrote a letter in response to McCreary, Velseka and Bragg and Allen PC on XX/XX/XXXX2018. They received my letter on XX/XX/XXXX2018. In my correspondence, I demanded they produce the original signature I gave indicating my contract with XXXX XXXX XXXX, and until that original binding contract was submitted for review, all written and telephone communication must cease until said documentation was submitted as valid proof of claim. I was never ticketed nor summoned by XXXX Municipal Court for any or such charges. On XX/XX/XXXX, McCreary and Velsek, Bragg and Allen PC called XXXX Municipal court and had the court contact my personal cell phone number, 1. they violated the original contract submission. They tried to get me to come into the court to produce a signature. I explained without valid proof, I would not be coming to court without an original summons with my signature agreeing to appear. The firm McCreary, Velseka and Bragg and Allen PC continuously send me letters unmarked by postage and post cards threatening my arrest. I tried to call their phone number. I'm left on hold, sent to a voicemailbox that is full and can't accept messages. The court has violated my rights by sending my information without my knowledge or consent to a third party.

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 2023-01-29
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:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT

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 2020-07-29
Company: Experian Information Solutions 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: 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 identified 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 2023-01-04
Company: Experian Information Solutions Inc.
State: NV
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:
The credit bureaus are illegally reporting inaccurate information on 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 2023-01-24
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
To start in XX/XX/XXXX I originally sign with another company in XXXX Wells Fargo purchased my loan.Originally my loan included a payoff if I was XXXX.Wells Fargo told me they dont buy that portion of a loan. I was unaware of their purchase or not purchasing the payoff portion if I was XXXX. I became XXXX in XXXX. I continued paying my loan.Then in approximately XXXX XXXX apparently changed my area to aa flood zone, unaware Wells Fargo charged me for flood insurance totalling thousands of dollars due at once.I had to refinance to become solvent with them. Every year my payment has changed and I have a fixed rate.It has always been something with them from the start.

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