BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-01
Company: AMERISAVE MORTGAGE CORPORATION
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:
A Hard Inquiry XXXX XXXX XXXX was added to my credit report in XX/XX/2020 without my knowledge. 

I called XXXX which is the Creditor assigned to this Inquiry, I also called XXXX  and XXXX and they all say I need a letter from AmeriSave removing me from their system since I didn't give anyone permission to check my credit for any matter.

AmeriSave says there is nothing they can do and the inquiry stays even though I did not approve it..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
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 am a victim of identity theft fraud. A non-close family member used my information to open up credit accounts when I was younger. Upon Checking my credit reports this year, I come to find out that those open accounts were charged off and never paid by the thief. These accounts are now hurting my credit score and hurting me financially to start up my future. The following accounts were the ones affected by identity theft. 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  All of these accounts were not open by me and are still on my report. I have attached the FTC identity theft 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 non-monetary relief
Consumer complaint received 2022-04-27
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: Information belongs to someone else

Complaint:
I am a victim of identity theft fraud. A non-close family member used my information to open up credit accounts when I was younger. Upon Checking my credit reports this year, I come to find out that those open accounts were charged off and never paid by the thief. These accounts are now hurting my credit score and hurting me financially to start up my future. The following accounts were the ones affected by identity theft. 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  All of these accounts were not open by me and are still on my report. I have attached the FTC identity theft 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 non-monetary relief
Consumer complaint received 2020-02-21
Company: EQUIFAX, 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:
XXXX XXXX XXXX # XXXX is reporting a balance and several lates on an account that I do not owe and should not have. I returned this instrument in XX/XX/XXXX and was never informed there was still a balance on it. I thought it was auto draft and I never received any notices for an overdue balance. These lates are not my fault and I want them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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: Problem with personal statement of dispute

Complaint:
I did n't no what option to select from above in regards to my complaint. My issue is with my Kohl 's charge account. There was a major mix up with my payments as usually I make my payments with a rep over the phone and I agree to make that month 's payment plus the following month. So in essence I am paying 2 months in advance. To my knowlege I was current and up to date with my monthly payments. However I received a phone call from Kohl 's last month and was advised my account was late. I immediately made payment arrangements to catch the account up to date and under the credit line. I have agreed to this and they have received the payments as agreed upon. I asked the rep about my credit report as this account has always been paid on time and my credit is very important to me. I was told to dispute it with the 3 major credit reporting agency 's and they will respond to put the account back into satisfactory accounts. I did as they said and received a letter the other day advising me that it is reporting correctly. I am very upset with this because now this account is reporting in adverse accounts which is affecting my credit score in a very negative way. It is also showing that the account will go to a positive status in the year XXXX. This is not right. I explained that I do not want to pay 2 months in advance anymore as that 's what caused this problem in the first place. Kohl 's did not keep to there agreement. I have had this account since XXXX and shop alot at this department store but very upset that they will not advise the 3 credit reporting agency 's to move this account back to accounts that are satisfactory. I also requested paper statements instead of online banking because after this I do not want this to happen again. The account is current and up to date and below the credit limit. I am submitting this complaint because I was lied to and told that they will respond to move the account back to a positive account on my reports. I have also written a long letter to Kohl 's explaining again the whole situation and how this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2019-07-12
Company: CITIBANK, N.A.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Back in XXXX of this year 2019, I Have sent a letter to CitiBank regarding a inquiry that was placed on my credit reports and i ask them to please removed the inquiry at once and yet today i received no response back from them.

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 2017-09-27
Company: EQUIFAX, 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:
Paid off XXXX XXXX XXXX in XX/XX/XXXX in full on 2 accounts. See upload XXXX Payments of {$1300.00} and {$280.00} which include interest and fees. 
Now what I AM DISPUTING FOR THE 10th time is that it shows up to potential CREDITORS as DEROGATORY!!!
And it should be reported as XX/XX/XXXX when it was paid off back on XX/XX/XXXX Do SOMETHING ABOUT IT FINALLY!! 

Call XXXX XXXX XXXX and they will verify! 

Thank You! 

XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 disputed Collection Account XXXX XXXX XXXX XXXX   ACCOUNT # XXXX with the three Credit Bureaus ( XXXX, XXXX, Transunion ) and with XXXX XXXX XXXX XXXX, stating this collection is not reflecting the correct purge date. I went in debt with the original creditor XXXX XXXX  ( please see attachment ) in XXXX, XXXX XXXX XXXX XXXX re-aged the date to date opened XX/XX/XXXX with removal date XXXX, XXXX. This removal date is inaccurate, please have this account removed from my Credit report. The original creditor filed a judgment on XX/XX/XXXX. The credit bureaus nor the collection agency XXXX XXXX XXXX XXXX will not remove this inaccuracy from my credit reports. This is why I am filing a claim with Consumer Finance XXXX XXXX XXXX XXXX mailing address : XXXX XXXX XXXX XXXX XXXX, MDXXXX

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 2017-12-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 information incorrect

Complaint:
I have a Bank of America credit card with a credit limit of {$500.00}. I pay my account every month and have been paying down more than 90 % of the balance every month. For my XX/XX/XXXX statement my balance was {$22.00}, this was reported to the credit bureaus around that time to reflect that balance. I then receive ( on XX/XX/XXXX ) an credit alert that BOFA is now reporting my balance as {$480.00}. I call BOFA and they tell me they are sending a dispute to XXXX, I then receive another alert from he other credit bureaus that the same balance has beeen reported on XX/XX/XXXX. Icall BOFA again and I 'm told they report randomly to the credit bureaus throughout the month- which is a inaccurate statement, they will investigate and let me know. This has cause my credit score to dget op 44 points across all my credit reports and is financially affecting me- since I was suppose to close on my mortgage this week.

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 2017-09-29
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: Account status incorrect

Complaint:
I had 3 auto loans with the same company. All loans were paid and closed in 2013. The date of last action on my credit report should be between X/2013 and XX/2013 however i just got notice from Experian that there was a new late pay from this company. This is impossible since the only loans i had from this company have been paid and closed.

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 2017-09-29
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I HAVE APPLIED FOR A MODIFICATION AND SUBMITTED ALL DOCUMENTS THAT WERE BEING REQUESTED BY MY SERVICER PNC BANK. I WAS INFORMED BY PNC BANK THAT MY FILE WAS DEEMED COMPLETE WITH ALL REQUIRED DOCUMENTS ON XXXX/XXXX/17 WHICH IT WENT TO THE UNDERWRITING DEPARTMENT ON THAT DAY WHICH THEN I WAS TOLD THAT THE UNDERWRITING DEPARTMENT TAKES UP TO 30 DAYS FOR A DECISION. I HAVE BEEN CALLING ON A WEEKLY BASIS TO SEE IF THEN NEED ANY UPDATED DOCUMENTS DURING THAT TIME AND TO SEE IF A DECISION HAS BEEN RENDERED, ALL I GET TOLD WHEN I ASK WHY IT IS TAKING SO LONG IS ATTITUDE FROM ALL REPRESENTATIVES AS IF I AM BOTHER THEM AND THAT THEY ARE WAITING ON MY INVESTOR TO RESPOND IN REGARDS TO THE MODIFICATION REQUEST. MY LAST CALL TO THEM ON XXXX/XXXX/17 I WAS INFORMED THAT MY REVIEW HAS BEEN CLOSED OUT ON XXXX/XXXX/17 DUE TO THE INVESTOR OF MY LOAN DID NOT RESPOND TO PNC BANK REQUEST AND IT WAS TAKING TO LONG SO THEY ARE JUST GOING TO CLOSE OUT THE FILE. THIS IS ABSURD!!! HOW IS IT MY FAULT THAT THE SERVICER AND MY INVESTOR DOESNT KNOW HOW TO COMMUNICATE? 

I NEED HELP TO SAVE MY HOME AND IT CANT BE LEGAL FOR ME TO BE HELD RESPONSIBLE FOR THE INVESTOR AND SERVICER NOT COMMUNICATING!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
In XX/XX/XXXX I lost my job when the position ended due to covid downturn. I informed Capital One that I was out of work due to Covid and that I was unable to make payments until I successfully regained employment. I was unable to gain employment until XX/XX/XXXX. In XX/XX/XXXX they put a permanent restriction on my card and terminated my charging privileges. I have had this credit account for over 20 years. In XXXX I made payment arrangements however in XX/XX/XXXX XXXX XXXX XXXXXXXX and was terminated from my employment for being out of work to long. I was not informed when I made the payment arrangements that the restriction would not be removed if I kept up with the payments on the account. I just successfully regained employment and attempted to make arrangements to pay it off in full and have the card restored and they are unwilling to work with me after 20 years of being a customer and having informed them at ever step about the covid situation. I cant understand what the point of having XXXX  options are if they are not going to work with customers that are impacted. Now they have completely destroyed my credit reporting it negatively each month and now I would have to reapply for a card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-21
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Fraud on checking account ending in # XXXX. Two checks one {$24.00} the other {$360.00}. 
Those companies are unknown to me. USBank ordered me to close the checking # XXXX and debit card # XXXX. Was told to open a new checking and new debit card or leave USBank. Completed per their directive under duress new account # XXXX and debit card # XXXX. I am severely XXXX 8 XXXX  with XXXX  and XXXX  in my body. XXXX XXXX XXXX. Legally XXXX. Instructed to change Social Security deposit, small pension deposit, any automatic payments from creditors. I spent endless hours on the phone with fraud hotline with their staff unable to find my claim. I got a ride to the branch and filed affidavits of fraud on checking # XXXX and debit card # XXXX. The branch manager XXXX removed my son from joint checking because he was not their to sign a card, yet he was on the checking for many years with me to help pay emergency bills during hospital stays. Now he can not do that put down as only a beneficiary and crudely told you have to die. My son is XXXX in XXXX risking his life and not there to sign a card. BUT THE 800 ONLINE TOLD ME THEY COULD OPEN A JOINT CHECKING AND PUT HIM ON THERE AND MAIL NEW CHECKS WITHOUT SIGNATURE CARD. Then recently more fraud shortly after receiving a new checking account ending in # XXXX and debit # XXXX. Somehow someone got a hold of my debit # XXXX and charged {$100.00} and {$50.00} two different charges through XXXX, N, Y. I had to pay for a ride to transport me to the USBank. I was issued a new debit card # XXXX. 
This card does not allow me to pay my bills due to a small allocation of funds despite my transfer from savings exceeding the USBanks limit. The USBank told me they need to hold my funds because it was better for me to receive interest on savings rather than spend my funds on BILLS! I have been forced to make calls to the branch and fraud hotline daily spending 3 to 4 hours a day. MY HEALTH HAS BEEN AGGRAVATED AND EXACERBATED and my doctor is recommending i be hospitalized as my XXXX levels are between XXXX and XXXX for a XXXX XXXX   with XXXX XXXX. USBank conned me into staying with them under the guise of hidden false benefit much like a haggling huckster. XXXX the Branch Manager with other employees except one shows much laziness and incompetence of which my son and I have paid the price.

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 2021-06-10
Company: Experian Information Solutions Inc.
State: NY
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 had an account with XXXX XXXX XXXX and I settled the account with XXXX, they promised after settlement they would delete the information from my credit report and they failed to do so after 13 Months, Im currently unemployed and homeless and the negative information is hurting my chances of getting employment and an apartment. I tried to explain to Experian this was settled and it was supposed to be removed, they claim XXXX has confirmed the credit card. I didnt ask for a confirmation, I requested to be removed since the account was settled and they are going back and forth with me confirming the account. I dont know if they understand the situation. Or if they understand English.

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 2020-02-21
Company: EQUIFAX, 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 status incorrect

Complaint:
XXXX XXXX # XXXX is reporting an account to my credit that should no longer be on there. This debt is past the Louisiana Statute of Limitations and I no longer owe this debt. It needs to be deleted off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be 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 2020-02-21
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for the XXXX XXXX credit card issued by American Express and was approved on XX/XX/XXXX. Upon receiving the card, I called the customer service on XX/XX/XXXX to confirm that the signing up bonus is indeed as what I saw at the application page. I was connected to their representatives named XXXX who is based in their call center in the state of Illinois. XXXX straightforward confirmed the signing up bonus of my credit card as spending {$4000.00} within first 3 months and receive XXXX bonus XXXX  points. I also learned a bit of other perks and benefits with this particular credit card. Before hanging up the call, I confirmed again that I'm eligible for the sign-up bonus and XXXX said YES. 

Since then, I have been using this credit card in almost every single transaction where a credit card was accept, both at home and while I was on travel. 

In late XX/XX/XXXX, when I calculated that I have spent an cumulatively more than {$3000.00} on the card, I would like to make sure the spending total calculated by American Express is about the same, so decided to call the customer service. During the call, I confirmed again about the sign-up bonus with the representative. 

Lastly, when the XX/XX/XXXX statement closed and by which time, my calculation indicated the {$4000.00} spending requirements on the card were already met, I did not see the XXXX bonus XXXX  points posted with the statement. So I chatted with another representative on the Amex app ( after log in ). The representative confirmed my sign-up bonus offer one more time but assured me that it might take additional days/weeks to receive the XXXX bonus points ( sign up offer ). 

Today ( XX/XX/XXXX ), I called American Express customer service again to follow up on the signup bonus. I talked to their representative named XXXX who is based in Florida. However, I was shocked to learn they have declined to fulfill the sign-up bonus which I have been confirmed about multiple times in the past 3 months. There's something even more disturbing - XXXX mentioned this was declined from DAY ONE of my account opening. 

I am very disappointed that after all the hard work and a heavy spending of more than {$4000.00} on this single credit card, American Express declined the sign-up bonus offer. Moreover, I am a bit furious that I was repeatedly being told/confirmed about the signing up bonus of the card all the way throughout the initial 3 month period when I spent heavily on the account but was only told the offer was declined after spending requirements were all met. There're many many other cards issued either by American Express or some other companies that I can put the {$4000.00} spending on.

Company response to consumer: Closed with explanation