BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-07
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:
XXXX is reporting erroneous information on our credit report from XXXX XXXX after an investigation. It is reporting a late payment in XXXX 2017 and that in incorrect.

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 2017-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account information incorrect

Complaint:
I have been monitoring my credit score for the last 2-3 years.
I signed up for XXXX in XXXX of 2015 and have been monitoring my credit report and score. XXXX has FICO scores, and they currently give me a score of XXXX.
I also signed up for XXXX earlier this year because they seem to use a different model called XXXXXXXX XXXX. My score on XXXX is XXXX.
Bank of America seems to use FICO scores from XXXX. However, neither their FICO score, nor XXXX score matches my credit score on either of the individual credit bureaus. BofA gives me a XXXX. Not sure how they come to this score and they wo n't give an explanation.
When I visited a BofA branch, I asked the representative about this and they did not have an answer for me. They just said we pull the score from XXXX, to which I told them that my score on XXXX is much different that what they show me. BofA credit score makes it difficult for me to ask for a credit line increase, they have turned me down once already.
My job requires me to travel quite a bit and use my credit card for flight and hotel bookings, and I have to keep paying it off 3 to 4 times a month every time I travel.
It would be great if BofA could explain how they give me the credit score they show on online banking and correct it to what XXXX actually shows as my credit score.

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 2022-02-03
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: Information belongs to someone else

Complaint:
I HAVE TRIED TIME AND TIME AGAIN TO REMOVE FRADULENT ACCOUNTS FROM MY CREDIT REPORT TO NO AVAIL. I HAVE SENT WRITTEN REQUESTS, CALLED OVER THE PHONE, FILED POLICE REPORTS AND NOTHING. I HAVE MORE THAN A YEAR TRYING TO GET THIS FIXED. IT IS HIGHLY AFFECTING MY RIGHTS TO LIVE A GOOD LIFE. 

XXXX XXXXXXXX XXXX DELAWARE XXXX XXXX BANK DELAWARE 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 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 have tried to access my credit report through XXXX. Every time I enter my information to retrieve my report Im told there is no account associated with my information. When I try making a new account I am told there is an account already made. Its a never ending loop of getting no where to log in. Ive tried having some from XXXX help me and they couldnt get past the loop either. XXXX has outdated information on my report with inaccurate account information that need to be disputed. 

Transunion wont remove an account that is XXXX years old. Transunion has locked me out of my account. There is a lot of inaccurate information on my transunion 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 2018-01-04
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo charged me six overdraft fees in one day, at {$35.00} per transaction for transfers between account and three withdrawals that had shown on the ledger 3-5 days prior, with a remaining balance. {$210.00} is excessive and more than half of my weekly paycheck to a company for allowing transfers, etc.

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 2021-12-21
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My 2nd settled discharged mortgage is illegally in the hands of XXXX and or Shellpoint Mortgage Servicing. I requested a complete transaction history, itemized pay-off. I also requested information all the many years there was no communication from this mortgage servicer. I want to see their records to see if it matches my records. I want to see the history for any discharges, charge/write-offs from previous servicers. I believe this company is following illegal processes. They seem to be disguised under several different names such as ( New Rez ) LLC, XXXX and Shellpoint. They all seem to be one in the same. I have also been advised to reach out to the Attorney General to have him/her investigate the practices of this company. They are illegally attempting to collect on a mortgage debt that has already been settled with another servicer. I believe these illegal practices and needs to be investigated.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: DISCOVER BANK
State: WI
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:
On XXXX XXXX, 2017 I paid the total amount due to Discover by check accompanied by a letter requesting that the account be closed. The payment was paid before the closing date of the statement. I had {$0.00} worth of purchases. On XXXX XXXX, 2017 they started charging me interest on my {$0.00} purchases and {$0.00} amount balance. I was not looking at that account online anymore because I closed the account. On XXXX XXXX, 2017 they sent me a past due letter saying that I owed them {$120.00}. On XXXX XXXX, 2017 my wife called and spoke with XXXX and she said that they would adjust the amount to {$0.00}. In the mean time Discover kept reporting me delinquent to the credit bureau, making my credit score drop dramatically. XXXX  of Discover did nothing to make my balance {$0.00}. On XXXX XXXX, 2017 my wife called Discover again and spoke with XXXX to adjust the amount. Finally they credited my account to be {$0.00}. My wife also spoke with XXXX and she marked the account closed as of XXXX XXXX, 2017 but refused to back date any of the credit reporting. Because of this I can not get LP gas for my house or a vehicle loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03
Company: Experian Information Solutions Inc.
State: LA
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:
Reporting late payments. No payments where late on the loan

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 2021-04-14
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: Account status incorrect

Complaint:
my students loan are reporting late payments back in 2015 however i was never late disputed with the credit companies transunion XXXX  and XXXX  i seen no proof ive sent in proof and it still reporting late payment on my credit which is keeping me from getting approve for a home loan

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 2022-02-03
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: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2018-01-04
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 information incorrect

Complaint:
I have an an account with XXXX XXXX Since XXXX of 2016 and have always done monthly payments of {$200.00} to them. I always call and send that exact amount every time and it never changes. Next thing i see i get a 30 dyas late on my credit report from XXXX XXXX on my credit report for {$11.00}. I do n't understand what was going on. i was never notified that there was a difference in the monthly payment that month or that there was a remaining balance. Money is n't an issue for me as i work very hard to pay all my bills. Now my credit is hurt over {$11.00}. I am asking out of goodwill if this can be adjusted and fixed so i do n't have a discrepancy on my report over {$11.00}, If i need to pay the {$11.00} or any other balance up front i will have no problem doing so. Please advise as i am shopping for a new home but now the underwriters are telling me that because of my late payment on my credit report it may not be  possible.

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 2019-09-25
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2019, I applied for insurance through XXXX XXXX. I was told by the rep that Lexus Nexus had reported incorrect information pertaining to insurance with XXXX as they report I just started with the company but, I have over 6 years of service with the company. I have good credit, never had any accidents in my life ( at fault ), never had a traffic ticket, and, on my way in two months of finish the XXXX XXXX. I am a victim of fraud as listed on my credit report and I never knew Lexus Nexus was a credit reporting agency until that date with XXXX XXXX ( getting a quote ). This is not fair an this company is responsible for updating their information. This company is costing me thousands of dollars with their false and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
XXXX XXXX Bank is reporting account that I do n't recognize. Acount number that they are reporting is XXXX. I have sent letters to XXXX, XXXX and TransUnion asking them to delete this account from my report becouse it is serious violation of section 609 of the Fair Reporting Act. None of the bureau did not delete this item and it is seriously hurting my Credit!

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 2019-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have not received any correspondence on how you have verified these alleged accounts attached in Exhibit C and therefore request that you consider this as a final notice to your office. Past this point the CONSUMER FINANCE PROTECTION BUREAU will have authenticated testimony from my end which I would gladly present in court if needed to be as evidence of my trying to rectify the SUBTERFUGE that you are reporting copied from the 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 explanation
Consumer complaint received 2020-11-30
Company: AmeriHome Mortgage Company, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Amerihome mortgage services my mortgage that originated in XX/XX/XXXX. I have made multiple attempts to connect with their customer service team regarding various matters. The most recent incident ( XX/XX/XXXX ) was after I received an escrow analysis and I wanted to speak with a representative to determine if the additional amount due would automatically be added to my bi-weekly withdraw I have set up from my checking account. The representative told me to do this myself on their online portal. After I explained to her that it directed me to contact customer service, she hung up on me. After calling back and being on hold for 23 minutes, I finally received another representative who I explained my situation to however, he wasn't able to give me a direct answer and wasn't sure if my automatic withdraw amount would change or not. He advised me to wait until XX/XX/XXXX ... I am now attempting to call back today ( XX/XX/XXXX ) as I received an email stating that my automatic withdraw would occur on XX/XX/XXXX and I need to determine why this was sent as I am on biweekly withdraw and my next payment shouldn't be withdrawn until XX/XX/XXXX. Looking at my wait time, I am currently on hold and waiting for a representative for 33 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
i am a Victim of Identity theft. I look at my credit Files and i Notice that theirs Accounts that I did not give consent to I cant understand how could this Happen to me. this is very Stressful that my personal Information is in the hands of a stranger. please Remove these fraud Accounts from My credit

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 2021-12-21
Company: EQUIFAX, INC.
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
These were used to make inquiries to my account that I have not personally applied for remove these Immediately XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX  / XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Reimbursement Division XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Im getting very frustrated with this credit reporting company. I have provided them with all the necessary documentation to remove accounts that do not belong on my credit report and have yet to get any progress. I am trying to purchase a home for myself and my kids and I am being held up by this companies mistakes and lack of urgency about my report. Other credit reporting companies have received equal documents and have acted accordingly. I have attached those 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 non-monetary relief
Consumer complaint received 2018-01-04
Company: EQUIFAX, 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 information incorrect

Complaint:
I have an an account with XXXX XXXX Since XXXX of 2016 and have always done monthly payments of {$200.00} to them. I always call and send that exact amount every time and it never changes. Next thing i see i get a 30 dyas late on my credit report from XXXX XXXX on my credit report for {$11.00}. I do n't understand what was going on. i was never notified that there was a difference in the monthly payment that month or that there was a remaining balance. Money is n't an issue for me as i work very hard to pay all my bills. Now my credit is hurt over {$11.00}. I am asking out of goodwill if this can be adjusted and fixed so i do n't have a discrepancy on my report over {$11.00}, If i need to pay the {$11.00} or any other balance up front i will have no problem doing so. Please advise as i am shopping for a new home but now the underwriters are telling me that because of my late payment on my credit report it may not be possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On or about XXXX, XXXX, I pulled my credit report, going over, I found out multiple accounts that did not belong to me, knowing this I started to do my own research to know how to remove the accounts that did not belong to me. on XX/XX/XXXX, I started disputing the incorrect information using different types of letters. After been disputing wrong information on my credit report for about a year, the accounts that were not mine were removed from my credit report, but, no too long ago I received a collection letter from XXXX XXXX XXXX trying to collect on Behalf of XXXX, XXXX of the accounts that were included on my identity theft package, after disputing the account via CFPB, they removed the account, unfortunately, just a few days ago, after checking my credit report, I found out that a new collection ( XXXX  XXXX XXXX came up collecting on the same account. 

Attached is my Affidavit of Identity theft package for your reference.

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 2018-01-05
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
They do n't offer financing options for my financial situation. I think they look at income and do n't consider expenses. I am working 2 jobs just to pay my rent and they somehow think I can make about {$500.00} For 2 separate loans. My loans continues to be delinquent as I can not afford these paynents. This is a car payment and the interest keeps accumulating. I can not get ahead if I tried. I feel like I will dir with this debt. 

And it continues to affect my credit. I can not get a job making more money because in my industry companies pull your credit report. I feel stuck like a rat on a wheel.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: GOLDMAN SACHS BANK USA
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This is regarding a Goldman Sacs credit card - An Apple credit card. 
On my statement, covering the period from XX/XX/XXXX to XX/XX/XXXX, XXXX = Prior monthly balance, XXXX = payments made on this statement, XXXX = new transactions made on this statement, XXXX = transaction for installment payments ( for XXXX  products ). 

New balance end of XX/XX/XXXX should be : XXXX ( XXXX less XXXX plus XXXX plus XXXX ). 
XXXX - what the statement states as the balance for XX/XX/XXXX. 

I have disputed this 4 times, 3 times with a supervisor. 
Each time the rep on the phone agrees the numbers were incorrectly calculated. 
Each time the department that responded to the dispute says the numbers are correct. 

The latest response was : You contacted us on1/28/2022 regarding your XXXX statement balance of {$530.00}. Your dispute has been resolved. Your balance is made up of card purchases and returns, payment activity, monthly installment due and any interest charges. Your beginning balance was {$1200.00} plus purchase activity of {$420.00} and payment activity of XXXX plus installment due of {$52.00} plus interest of $ XXXXwhich matches your total balance of {$530.00}. As a result, no further action has been taken. 

A bank that can't do simple math is a big problem. The reps I talk to ( supervisors at the call in center ) say the response above is from someone " above '' them.

Company response to consumer: Closed with explanation