BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-16
Company: Experian Information Solutions Inc.
State: MD
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 had called XXXXXXXX XXXX to inquire about a home loan and they did a hard pull on my credit report without my authorization.

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 2019-02-21
Company: REGIONS FINANCIAL CORPORATION
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the date 30 days late as of XX/XX/2015 and XX/XX/2015. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get 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 2017-09-14
Company: Professional Recovery Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
this debt is showing on my XXXX credit report its not mind this account was opened in ohio i NEVER been or lived in ohio, i called them and wrote them and they still can not find proof its mind there causing harm to my name and credit report they dont even have my correct social XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: ND
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a loan of XXXX with One Main Financial loan. On the enitre site and terms did it not state that I have to be a resident of North Dakota nor a problem with my address. I have made multiple calls to both the XXXX branch and XXXX branch told them my address. I also told the XXXX branch what my address is and located for. I called the OneMain Financial branch in XXXX and XXXX, ND and I informed of the XXXX XXXX XXXX XXXX XXXX nd is my address. I informed that the house in XXXX XXXX  XXXX is on sale and i need the load for multiple things like deposit and car. I went to the XXXX   nd branch due to the fact that the XXXX  branch bus directions online lead me there. The person at the desk printed my ID off I told him my address, ask me for more information, I told him my address and if there anything I need. Just a Social Security Card. I gave them a passport and he said I have ot be a resident. I have already informed that and he kept taking more and more info about my social security and my dob. I have called XXXX and they stated I need a address on which i gave. I even gave my bank mailing address for my bank info.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: HANCOCK WHITNEY BANK
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 received an email with a promotion code ( XXXX ) for {$300.00} from Hancock Whitney Bank on XXXX XX/XX/XXXX and opened an account on XXXX XX/XX/XXXX. I met all of the conditions by the deadline XXXX XX/XX/XXXX. 

Although they also agree I have met all of the terms and conditions spelled out in the promotion, I was informed i would not receive the promotion upon follow up because I'd received a savings account promotion within the last 12 months. That promotion was received in XXXX. 

The emailed terms and conditions state very clearly : " Limit one new consumer checking related bonus per household per calendar year. '' Their excuse does not apply as 1 ) XXXX is not calendar year XXXX and XXXX XXXX a consumer checking account promotion is not a consumer savings account promotion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX resent request to have entries for XXXX XXXX and XXXX deleted. Accounts had not been verified/investigated per FCRA. 
Original creditors admit to not having information regarding account in question. 
XXXX-has no record of account in question unable to provide information. 
XXXX XXXX- has not responded with original signed documentation of 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 2019-02-21
Company: U.S. BANCORP
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:
Problem with XXXX XXXX. They treat verifiable 3rd party banking errors as late payments and do not respond to complaints even when written proof has been provided. 

To insure my payment was never late I set up automatic payments through XXXX XXXX for my Fidelity credit card ( they manage it ). It worked fine for years. Then a third-party accounting firm accidentally shut down the wrong bank account - mine - the one XXXX XXXX had been pulling payments from. XXXX XXXX tried to pull the payment as usual but the account had vanished. When XXXX finally contacted me a few days later and informed me of the problem I paid the amount instantly right there on the phone. 

All of this happened outside of my knowledge or control and was the result of a banking error. I have a letter from the firm responsible admitting their error. I have provided this letter as proof to XXXX XXXX twice but they have never responded to my written disputes. Experian states the file was updated, but it was not. 

I would like the XXXX late notice removed from my credit report because it is not a reflection of reality, my ability to pay on time, or my credit-worthiness.

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 2022-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
TransUnion and XXXX refuses to validate a XXXX XXXX that is not mine on m credit report Transunion and XXXX repeated that the information came from the court but i ave yet to see proof In writting that it did. They are breaking the law.

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 2023-01-18
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2019-02-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I HAVE RECENTLY DISCOVERED THAT MY PERSONAL INFORMATION HAS BEEN STOLED AND OPENED FRAUDULENT ACCOUNT WITH WELLS FARGO BANK. I AM A VICTIM OF IDENTITY THEFT AND I DID NOT AUTHORIZED ANYONE TO USE MY PERSONAL INFORMATION FOR ANY PURPOSES. I'VE FILED IDENTITY THEFT REPORT WITH FEDERAL TRADE COMMISSION AND SUBMITTED THAT DOCUMENT TO CREDIT BUREAUS AND WELLS FARGO BANK. CREDIT REPORTING AGENCIES REMOVED FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. BUT XXXX  REINSERTED FRAUDULENT ACCOUNT BACK TO 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 non-monetary relief
Consumer complaint received 2020-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My Bank of America debit card was used fraudulently on XX/XX/XXXX. I was alerted the day it was used as suspicious activity and quickly called the bank within a few hours of the transactions to let them know whomever was using the card was not me and did not have authorization. They opened a claim the # is XXXX it is for {$350.00} used at a XXXX in Kentucky. I currently reside in XXXX XXXX Missouri. They credited my account on XX/XX/XXXX. On XX/XX/XXXX they closed the claim as unable to pay. I have called to reopen the claim and follow up on it multiple times. They are now simply saying it will be reopened and assessed however they have not given me the funds, nor have they gave any indication that they would give the funds. To my knowledge I have not used any XXXX with any frequency in the history of my account with bank of America. I frankly don't even know if they exist in my home state.

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 2018-01-23
Company: Ocwen Financial Corporation
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/XXXX I was put on disability and my disability payments did not start until XX/XX/XXXX that was my eligibility date. in the meantime I was living off of partial pension of {$600.00} a month I called my mortgage company XXXX XXXX XXXX company to start up loan modification process I am still in the process of trying to get that modification through its been five months every time I call I get different information that they want me to send in and every person I talk to tells me to send in different items I have sent them paperwork on six separate occasions after filling out the initial application with all the necessary paperwork along with it every time I call they tell me that I need to provide additional information. Ive have been doing this for five months! in the meantime Im living off of {$600.00} a month and just started receiving my Social security approximately 28 days ago. Ive been trying to get the modification so that I have enough money to live on and I feel like theyre trying to keep me from getting the modifications so that my house will go into foreclosure .. at this time I have owned my home for 15 years and have never been late on any of my payments Im still keeping current on my payments through help from my family who has run out of money to help me with. I am at my wits end trying to resolve this issue.. I have done everything necessary on my end including keeping up my payments. at this point I am so upset and frustrated and being disabled on top of it is making my health deteriorate I need some help trying to resolve this issue with this company which is been the most unprofessional frustrating situation in my life. It is so frustrating not to be able to talk to the same person every time and also to not be able to go to a brick building and talk to somebody face-to-face .this company has outsourced their customer service to another country which creates a language barrier as well. there is no accountability, because every time I call its a different person! I am a XXXX who is XXXX living by myself trying to resolve a situation with a company that does not even know I exist I am beyond my capability to hold them accountable ... I would appreciate any kind of help I can receive in this horribly frustrating situation ..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: MRS BPO, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MRS BPO LLC sent me a collection letter in the mail alleging that I owe {$39.00} on an account with XXXX. MRS BPO LLC account number XXXX. I have never heard of MRS BPO LLC nor do I owe XXXX any money. I don't have an account with XXXX and I don't owe any money. When I contacted MRS BPO LLC they were hostile and aggressive towards me. MRS BPO LLC engages in flagrant violations of the Fair Debt Collections Practices Act with their hostile debt collection practices. I don't owe them any money nor do I have an allege debt with XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 XXXX XXXX military and I see accounts showing on my profile I did not open

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: TIDEWATER FINANCE COMPANY, INC.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I purchased a couch from our van at the end of my one year of payments they tried to hit me with interest and they charge me too much money I overpaid and they wont refund my money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a business account with Citizens Bank at which I use a credit card XXXX, called XXXX XXXX to accept credit card transactions. XX/XX/XXXX I accepted credit card transactions at my business event, a total of {$160.00} at which I have yet to receive payment for. I called Citizens Bank 3 times and spoke with XXXX, XXXX, and a supervisor by the name of XXXX. XX/XX/XXXX XXXX told me that the funds was being held by the fraud dept but she didn't know why, and was unable to let me speak with someone in the fraud dept because it wasn't her dept. and no one was available at the time. After being on the phone for over an hour XXXX called me back to inform me that they held {$88.00} for a debt that I owed and {$80.00} would be released XX/XX/XXXX. I asked XXXX what debt I owed and why wasn't I informed that I owed, XXXX again said she doesn't know because she is not in the fraud debt. I left a message on the fraud dept voicemail since no one picked up, on XX/XX/XXXX, I asked that someone would call me back. The fraud dept has yet to call me back or respond in ANY form of communication, no letter, no call, no email. I haven't received ANY of the {$160.00} that I worked so hard to get. Please help me to get the {$160.00} back that I worked so hard to get. I would also like this matter to be looked into and STOPPED because not every person has the knowledge of the rights in America or have the time to invest in this matter. I've spent days already trying to get MY money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Please reverse the late payments reported on the following accounts : XXXX/XXXX   XXXX**** ; XXXX/XXXX  XXXX**** ; XXXX XXXX XXXX   XXXX**** ; XXXX/XXXX XXXX**** ; account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2018-10-09
Company: EQUIFAX, 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: Account status incorrect

Complaint:
The accounts COUNTY OF XXXX XXXX, XXXX XXXX  XXXX, were not a past due, I am paying it faithfully..I take care of my bills and pay these creditors on time.. I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the late payments from my report immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2018-10-09
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I SEND A LETTER ON XX/XX/2018 ABOUT THIS ACCOUNT AND DETAIL OF THE ACCOUNT AND I NEVER GOT A ANSWER FROM THIS COMPANY .. 


XXXX XXXXXXXX XXXX TOLD ME OVER THE PHONE ON XX/XX/2018 TALK WITH AGENT NAME XXXX ID XXXX SHE STATED TO ME THEIR IS NO ACCOUNT LISTED FOR ME UNDER THAT NAME OR ACCOUNT NUMBER PROVIDE .. 

IF THATS TRUE WHAT THE AGENT SAID UNLESS SHE GETTING PAID TO LIE TO CUSTOMERS FOR A CHECK .. THIS IS CRAZY .. 

ACCOUNT NUMER IS 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 2022-12-01
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:
EXPERIAN INFORMATION SOLUTIONS INC. has been illegally reporting on my consumer report negative items without my written consent and therefore has destroyed my reputation in doing so. No written consent is Identity Theft according to 15 U.S.C 1681b.

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