BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
-- OPEN ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$2300.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account.

5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

6. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

7. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

8. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account. 

11. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$49000.00} -This is not my account. 

12. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$30000.00} -This is not my account. 

13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not 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 2020-11-14
Company: U.S. BANCORP
State: LA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX Us Bank recieved my id verification and selfie i gave them 7 dsts to verify n unlock. Called back XX/XX/XXXX talk to supervisor and she said give them 24hrs to contact me they didnt call i called them now they saying its go take another 7-14 business days i will be homeless i nees my funds help please

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 2020-07-01
Company: Experian Information Solutions Inc.
State: OH
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:
This is the third time I have filed over this issues concerning these accounts that I requesting documentation from the following companies : XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX. I had already file a FTC complaint and Police report. I have requested a updated credit report with these unverified accounts deleted.

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 2018-10-28
Company: MARINER FINANCE, LLC
State: TN
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 dont recall ever doing any kind of business with this client. They have made three unauthorized inquiries on my credit reports.

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 2018-10-28
Company: State Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX told me that I had a debt with them. I faxed a letter to XXXX, as the CFPB directed to ask for clarification. I did this on XX/XX/2018. I have still not recieved a written notice of clarification. So, I assumed that the debit was invalid. 
I was then contacted by a collection service ( State Collection Service Inc. ) trying to collect the debit, on XX/XX/2018. XXXX had still not provided me with a written clarification of the debt. The CFPB website stated that if they tried to seek judgment for payment of the debt without first providing written verification, they would be in violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: EQUIFAX, INC.
State: OH
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:
This is the third time I have filed over this issues concerning these accounts that I requesting documentation from the following companies : XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX. I had already file a FTC complaint and Police report. I have requested a updated credit report with these unverified accounts deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HELLO, I HAVE SUBMITTED OVER 5 DISPUTES REGARDING AN ACCOUNT THAT ISNT MINE. PURSUANT TO SECTION 605B MY RIGHTS ARE BEING VIOLATED! XXXX HAS NO RIGHT TO KEEP REPORTING THIS ACCOUNT THAT IS CLEARLY NOT MINE!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: DISCOVER BANK
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:
Posted a deposit check on XXXX XX/XX/2018 and the funds were made available on XXXX XX/XX/2018. So, i went through with a payment from my discover checking account and later I got a hold on XXXX XXXX for the same check depositd on XXXX XXXX ( as the bank represtative said ) but it was notified to me through a email on XXXX XX/XX/2018 XXXX, putting me in a situation where I could not cover for my paymnet on the either side of non suffecient fee as well as my payment to other source and was charged a fee of XXXX . 
I had to talk to 3 of the customer care represtatives for 3 long hours befpre this problem could take effect and still they were unable to assit me accordingly and blamed me for the the fee charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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 dont recall ever doing any kind of business with this client. They have made three unauthorized inquiries on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have two checking accounts with Bank of America. On  XX/XX/18, I checked my available balance on one of my  accounts and it showed {$94.00}. On XX/XX/18, I noticed that my account had a negative balance of {$54.00}, so I immediately made a transfer from my second Bank of America account ( internal transfer ) and after reviewing the transactions, I noticed a overdraft fee in the amount of {$35.00} posted to my account on XX/XX/18, when my account still had an available balance of {$94.00}. I contacted Bank of America on XX/XX/18 and first spoke with XXXX in regards to the fee, and asked to speak to a manager to have that fee reversed, since there are transactions still in process and I should not be charged an overdraft fee in advance for transactions not completed. Also, since I never signed for overdraft protection, any transaction that comes to my account when there is no sufficient funds should be declined.I explained to her that I was being charged by Bank of America an overdraft fee for transactions not yet posted to my account. She did not transfer me to a manager or  supervisor and started to give me an education session over the phone. I disconnected the call and called Bank of America again and was connected with a representative named XXXX, who said he is a manager in West Virginia. Mr. XXXX also wasted a lot of my time and at the end, refused to reverse the {$35.00} fee. All my transactions were made as credit and as of XX/XX/18 there were still on pending status and Bank of America charged me a overdraft fee on XX/XX/2018 when my account never went on a negative balance. 
Today ( XX/XX/18 ), I received an email from Bank of America stating that my transaction in the amount of {$24.00} posted on XX/XX/2018 caused an overdraft on that date, but my available balance before that transaction was {$110.00}, so my account was never on a negative balance or had an overdraft and the {$35.00} overdraft fee should never been charged to my account. Bank of America is charging customers overdrafts fees incorrectly and representatives are refusing to reverse those fees. I am including supporting documentation for review.

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 2020-07-01
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX Amerihome paid taxes in the amount of {$450.00} On XX/XX/XXXX Amerihome paid taxes in the amount of {$450.00} On XX/XX/XXXX Amerihome paid taxes in the amount of {$450.00} On XX/XX/XXXX {$450.00} was returned to our escrow account Taxes should have only been paid once in XXXX for {$450.00} On XX/XX/XXXX Amerihome paid taxes in the amount of {$8000.00} On XX/XX/XXXX Amerihome paid taxes in the amount of {$8400.00} On XX/XX/XXXX Amerihome paid taxes in the amount of {$8000.00} Taxes should have only been paid once in XXXX for {$8000.00} It wasn't until XX/XX/XXXX that we discovered Amerihome had sent additional payments from our escrow account to pay our taxes erroneously. Amerihome 's error caused a $ XXXX shortage in our escrow which made our XXXX payment go from $ XXXX/mo to $ XXXX/mo.  They refused to take a payment for our normal monthly payment stating they can only take a payment for what their system shows is due, which has caused our account to go past due. We have spent the last 4 months trying to get Amerihome to correct their error with little resolution. When we call in we get told incorrect information and transferred from department to department. We're told that things will take a certain number of days to complete, but end up taking longer and only after we've called in again to get an update on the situation. We've had to write 3 letters so far pertaining to issues that we dispute and need to be fixed or removed. It has taken Amerihome 4 months so far to address the problem with our escrow that we had figured out within a day what was wrong and what needed to be done to resolve it. We fear this will continue for at least another couple of months as they muttle through passing the buck from department to department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: AXOS FINANCIAL, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a rewards checking account using the promo code XXXX in XXXX. I fulfilled the terms of the promo in XXXX. 

I have not received the {$300.00}. I messaged the company 1 week ago and according to their website a case hasn't even been opened - more than 5 business days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28
Company: Experian Information Solutions Inc.
State: CO
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 and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28
Company: WELLS FARGO & COMPANY
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My checking account was closed out in XX/XX/2018 due to what the bank claimed as insufficient funds. The account did go into the negative, but would've been offset by the credit that the bank manager at XXXX XXXX Branch in XXXX GA was supposed to make. Upon opening the account I was qualified for a new customer bonus after I used the debit card 8 times within the first month. Well, the branch mailed the debit card to an address that was never mentioned when I opened the account ( which happened to be an old account for my old ESPP account ). The card was bounced back to the bank 's operating center and I requested a replacement, which was also sent to the wrong address. No clue as to why they never mailed to the address specified when I opened the account. Finally, the third time ended up being a charm as I received it but it didn't allow me to use the card the minimum of 8 times within the first month of being open. I went into the branch for assistance and ended up being assisted by the manager over the phone ( as he was on lunch when I went in ). It was determined that he would debit his GL for the {$150.00} as it was bank error but this was never done. If he had credited my account, it never would've went into the negative. Now I have a charged off account and it was reported to XXXX XXXX falsely.

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 2018-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Wells Fargo mortgage Im victim of this fraud

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 2019-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
hello and good ay the credit bureaus and XXXX XXXX put a negative remark on my credit for XXXX I never went to college. Im in America trying to make it. Please help me. The company refuses to hear me and its not mines. They are designed to make this happen. They said my credit would get ruined if its not paid.

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 2021-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I already reached out to the credit bureaus for the following unauthorized addresses listed below and notified them of their error posting on my credit file. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the actual proof and physical firsthand documentation but I did not receive what I asked and these violations persist on my credit report. 

Inaccurate Addresses : XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA 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 2022-12-14
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:
I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVED! 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$350.00} ; XXXX  XXXX Balance : {$150.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$200.00} ; XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$470.00} ; XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$470.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance XXXX {$6500.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 2021-03-31
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28
Company: EQUIFAX, INC.
State: AP
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed the late payment XXXX XXXX XXXX for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28
Company: EQUIFAX, INC.
State: AP
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed the late payment XXXX XXXX XXXX for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently noticed that XXXX is once again reporting past due payments on my credit report for all of my accounts with them. The issue is that all of my school loan accounts are in forbearance due to the Department of Education continuing their investigation into fraudulent practices by XXXX University. XXXX has been aware of this but off and on they report a delinquency on my credit report despite their knowledge of this.

Company response to consumer: Closed with explanation