BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-06
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX  Account XXXX  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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2018-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
My oldest Credit Card had an annual fee of {$35.00}. I called Capital One and asked if they can change my credit card to a " no annual fee '' one without closing my old account. They said " yes '', and told me that they can make this happen by doing a " change of product ''. They explained to me that not only I get to keep my old account, I get to keep my old Credit Card number as well. After a month, I checked my credit score ( report ) and they reported it as a closed account. Not only it lowered my average credit age, it also lowered my overall credit score. This practice is misleading and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: BANNER CORPORATION
State: WA
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:
Made 2 payments one in XXXX and one in XXXX totaling XXXX on my credit card online. Neither payment was credited to the card. XX/XX/XXXX the bank emptied our savings attached to securing the credit card and closed the card. Its been hard enough with the pandemic because banks are closed. Plus we have been hacked 6 times in 6 months so accounts have changed. When they closed the credit card account I had nearly XXXX points on my rewards. Im now told if its a closed account your rewards cant be used. This is not my fault! I want my points. They have a security issue because our accounts have been hacked 8 times in 6 months. I dont know how or why my payments werent credited but I want my points!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: WELLS FARGO & COMPANY
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I put in an online transfer for {$6000.00} from my XXXX XXXX XXXX XXXX XXXXXXXX checking account to be deposited into my Wells Fargo checking account. The fraud department froze my account and called me to verify that I made the transfer. I verified it was me who made the transfer. They told me they would unfreeze my account and make the deposit for me. I checked my account the next day, and the money was not there, and there was no pending transfer for {$6000.00} listed. I have called every day and been told that they are processing the transfer and I would have it in one day. It has been a week, and I still do not have it. Every time I call now, they tell me they do not know where the money is and that no transfer is being processed. They refuse to give me my money and refuse to send it back to XXXXXXXX XXXX XXXX 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 2018-03-03
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 status incorrect

Complaint:
Bank of America is falsely reporting our previous mortgage with them as having been " discharged in a chapter XXXX bankruptcy ''. Our mortgage was not discharged. In fact, we modified our mortgage through Bank of America ( which we lodged a previous complaint XXXX ) wherein Bank of America constantly played games of sending out paperwork late and stated it did not receive them. 

In any event, our mortgage with Bank of America was NEVER discharged in a bankruptcy. It was modified and paid on time. Thereafter, it was sold by Bank of America to XXXX XXXX   now known as XXXX XXXX. 

I have called bank of america customer service department and loss mitigation department regarding the reporting and yet it still is being inaccurately being reported as being discharged. 

I have attached proof of the transfer of the account from Bank of America to 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 2023-04-14
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:
I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of Identity theft and I did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commissions Identity Theft affidavit. Please delete the items as soon as 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 non-monetary relief
Consumer complaint received 2018-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a validation goodwill letter to both XXXX & Capital originally dated on XX/XX/XXXX asking them to verify the late payments that are showing on my credit report since I never been late on any of my payments. Since I did not hear anything back from them within that 30 day time period I sent them no response letters to each creditor XXXX and Capitol One and I sent Section 609 letters to each credit bureaus dated on XX/XX/XXXX and XX/XX/XXXX asking them for proof of the late payments that were being reported on my credit report. After I sent that I received a response from the credit bureau and each creditor. My response from the bureau included a copy of my credit report : XXXX  sent me an update in which they changed only in regards to XXXX not Capitol One, but XXXX and XXXX did not update anything. I received a letter from Capitol One and XXXX stating they need information from me such as the letter and copy of my credit report in which I sent. Furthermore I sent both creditors what they wanted this included a form from XXXX verifying my personal information and Capitol one requested I provide them a copy of the letter they sent with my credit report showing the late payment and then both creditors sent back letters stating they will not be updating anything and I need to provide more information completely ignoring my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
State: PR
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:
Today I started a dispute in Experian online dispute process ( Report XXXX XXXX ). They reported erroneous information in my credit report. According to the FAIR CREDIT ACCT It is supposed to take no less than 30 days to investigate my dispute. To my surprise, according to them on the same day XXXX XXXX they investigated my dispute and did not fix the erroneous information that they reported on my credit report. How can they do an investigation in just a few hours. They violated the Fair credit act by not following due process. Account dispute XXXX XXXX XXXX XXXX Account XXXX. I never paid late!!

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 2019-11-26
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was involved in a not-at-fault accident in Georgia on XX/XX/2017. I went to XXXX XXXX 's Emergency Room and gave them my insurance which at the time was XXXX XXXX XXXX XXXX XXXX Georgia under my father. I was in-network and XXXX XXXX XXXX XXXX stated that I only owe my deductible of {$250.00} because of the following code reasons : " XXXX - This amount is the member 's copayment responsibility and code XXXX - This is the amount in excess of the maximum allowed amount for a participating provider. The member, therefore, is not responsible for this amount ''. XXXX XXXX in XXXX, Georgia has been balance billing me since XXXX of 2017 and XXXX XXXX XXXX in XXXX, Georgia has been harassing me for the last two years and each refuses to take my {$250.00} deductible and demand I pay the amount of XXXX, XXXX even though it was an emergency visit from a vehicle accident with an in-network provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
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:
I have sent multiple letters to Experian about the inaccurate items that are reporting on my credit report. The first letter I sent did not receive a response. The second letter I sent received a response saying that they believe that I have a credit repair company on my behalf which is insane and disrespectful. I work to hard to be disregarded as if I am not a tax paying citizen. I can't even get a car for a good interest rates. Most of the time I am denied when applying for things. This hurts. All I want to do is be able to provide for my family and I haven't been able to do this because of the inaccurate items being reported on my credit report which makes me very upset. According to the FCRA any item that is being reported on your credit report that is deemed of being inaccurate or unverifiable should deleted ASAP. I demand Experian send me the original application bearing my signature within 30 days or I will continue with my FTC complaint! Anything less then this will not be accepted!

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 2020-12-11
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have attempted three times to request an escrow analysis from Amerisave. Every time I get a different answer. My total expenses for property tax and homeowner insurance is {$6900.00} and they are collecting {$950.00} each month totaling {$11000.00} annually. My current escrow has a balance of {$5200.00}. This means by the end of XX/XX/XXXX my escrow balance will be {$9600.00}. 03. I have called the following times : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Every time I get a different answer stating they will complete an analysis until today XX/XX/XXXX when I spoke to XXXX who states I have to call back XX/XX/XXXX to request the analysis. 

I need to find out what my legal recourse is to solve this issue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2020-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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, and # XXXX are reporting accounts with balances to my credit report that should no longer be on there. I have settled all these accounts and they should not still be reporting collections with a balance. This is in violation and I want these removed off 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 2023-04-17
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:
I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-04-03
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was a co signer on a XXXX car loan. The credit agency shows the account listed twice on my credit report instead of once. Then, it shows I was 60 days past due and theres no data for any payments I made from XXXX until XXXX & XXXX. I was not 60 days late and I paid the entire loan off. I would like the information to be updated to show my payments made correctly every month for XXXX and for the account to be listed once not twice and to be shown as the loan is paid off. The reported no data and missed payments and days behind is all listed wrong under XXXX XXXX and XXXX XXXX. ( The other person on the loan ) please correct this info so I can purchase a home. 21 late payments & 60 days past due is also incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: Credit Karma, LLC
State: IN
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:
This is a two part complaint ... one the credit reporting agencies such as credit karma, XXXX XXXX are reporting short credit history which is not showing the positive paid off credit history that should be on record at least 7 years. Improper reporting of employment and reporting higher scores than a mortgage lender. On XX/XX/XXXX scores reporting XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX. Just after a 20 pt drop from ( XX/XX/XXXX part 2 complaint ) The mortgage company showed scores based on their scoring model as XXXX, XXXX, XXXX XXXX, XXXX XXXX. I was stunned and shocked how completely different this was which you know what happens to people who are trying to buy a home. Not a very good outcome. I worked very hard with little positive information reported to my credit score ... now onto part two. Last year XX/XX/XXXX ' created a hospital debt over medical..the remaining balance was {$1400.00}. This was sent into collections XX/XX/XXXX and reported to XXXX. I started making payment beginning XX/XX/XXXXto XX/XX/XXXX ( now paid off ) since I made a payment it was reported again and dropped score over 20 pts transunion reported on XX/XX/XXXX score XXXX  a few days before my wife and I were to meet a mortgage lender needless to say this was the most stressful time to watch everything fall apart.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: TRUIST FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am filing a complaint about the erroneous money missing from my account. 

Everything needs to be disputed, minus the large transaction for the vehicle purchase, until verification of it not being misrepresentation about the condition of the vehicle

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 2023-04-17
Company: Experian Information Solutions 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8800.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5600.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2023-04-14
Company: EQUIFAX, INC.
State: IL
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 According to FCRA 15 U.S.C . 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This account is inaccurate information on my credit report that needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
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 belongs to someone else

Complaint:
I applied for a credit limit increase for one of my credit cards today XX/XX/2020 and sadly I was denied because when they pulled my credit report there were two accounts reflecting badly. The accounts are from XXXX XXXX XXXX XXXX XXXX ; The accounts opened with those companies in my name do not belong to me. I did not open any account with either of those companies nor did I allow anyone to open them on my behalf. I do not have written/verbal contract with them and I did not benefit anything from those accounts such as money, goods, services or anything else and I did not contribute to any payments that might have been made towards those debts. I have took it upon myself to file a police report as well as a complaint with the Consumer Financial Protection Bureau in hopes of getting my name cleared from these unauthorized accounts.

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 2017-11-04
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I went to XXXX XXXX dealership on XXXX XXXX. On the same day, they ran an inquiry into my credit for car loans and financing. On XXXX XXXX, they ran more inquiries, multiple ones, without my consent and without me being there. All of these credit inquiries were unauthorized. On XXXX XXXX, I call the XXXX dealership and they said they could not remove these inquiries from my credit report. XXXX made car loans applications on my behalf without me knowing. I also called the financial institutions XXXX made these applications to. XXXX and XXXX financial departments opened cases to look into this situation. XXXX XXXX and XXXX department refused to, claiming they could not do anything.

Company response to consumer: Closed with explanation