BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-01
Company: DISCOVER BANK
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
The whole process of getting a credit card after filing ch. XXXX bankruptcy is baloney. I could get a car but not a credit card? That's XXXX. THINK ABOUT IT -- since filing the ch. XXXX bankruptcy I have been inundated with junk mail to get me to buy a car with NO CREDIT baloney. A CAR?? Gas money? Repair money? But NO CREDIT CARD to help pay for those things? It is XXXX. Legal Aid provided a free clinic about filing ch.XXXX  bankruptcy and told attendees to expect all the offers after filing for bankruptcy -- including credit card offers with crushing finance rates. HOW is a person in a financial hole supposed to get out of it if the person is then BURIED in more XXXX like that? And I noticed a bunch of shady types at the meeting of trustees -- ready to pounce on people who had filed for bankruptcy. And the meeting was at a hotel by XXXX car dealerships. THAT was XXXX. This whole bankruptcy thing is a scam for lawyers and car dealers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
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: Public record information inaccurate

Complaint:
My issues are with the below parties. I have reached out to them over five times to express this is incorrect. All bureaus are showing a collection from XXXX XXXX XXXX which is incorrect and should be removed. Please assist. 

XXXX. XXXX XXXX. XXXX XXXX. TransUnion

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 2020-06-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
USAA BLOCKS CONSUMERS REPORTING FRAUD FOR UNFAIR FINANCIAL GAIN by " CREATING *new accounts " AND " LEAVING *not resolving fraud " CONSUMERS ARE LIABLE FOR FRAUD. My Complaint is Against USAA ID THEFT POLICY. I reported Ideninity Theft see attatched CLAIM DATE XX/XX/XXXX {$470.00} CREDIT CARD FRAUD CLAIM letter dated XX/XX/XXXX INVESTIGATION COMPLETED PROVISIONAL CREDITS MADE PERMANET. Statues Require Fraud Resolved in 2 billing periods is Ignored. USAA HAS NOT PROVIDED PERMANET CREDITS FOR THIS FRAUD YET. I COMPLAINED XX/XX/XXXX NO CREDITS PROVIDED YET. I was sent to the ID THEFT DEPT spoke to XXXX who claimed he made a report. Suddenly, * After our Convesation USAA REFUSED TO AUTHENTICATE ME NO ACCESS TO ANY DEPT REQUIRING I REBUILD MY PROFILE BY SENDING A DRS LICENSE. ** Kindly Note I DISCOVERED I DID NOT OPEN THIS ACCOUNT. I DID NOT SEND IN MY LICENSE. USAA EVENTUALLY GAVE ACCESS AGAIN. see attatched 1099-C CANCELLATION OF DEBT IRS MC XXXX Kindly Note CLEARLY STATES BOX 5 Borrower " WAS " Personally Liable XX/XX/XXXX. USAA DID NOT CLOSE THIS ACCOUNT REPORTED IT DELIQUENT AND SOLD IT. ** THIS OPENED NEW ACCOUNT MC end XXXX FRAUDULENTLY & Visa XXXX XXXX FRAUDULENTLY. XX/XX/XXXX I am able to be Authenticated again AFTER USAA ID THEFT BLOCK WAS PREVIOULY IN EFFECT and I call in to ID THEFT TO REPORT MC end XXXX Explaining to XXXX Usaa Rep all the above I DID NOT OPEN THIS ACCOUNT and I am told to call back to another deptment. I CALL XXXX WALL!!! I call back and I AM UNABLE TO BE AUTHENTICATED ONCE AGAIN REQUIRING ** I SEND MY DRS. LICENCE ON AN ACCOUNT " I did NOT OPEN " Some old fraud was just paid by usaa XX/XX/XXXX {$460.00} AFTER THIS ID THEFT ACCOUNT IS DELIQUENT as the XXXX Account. USAA BLOCKS CONSUMERS RESOLVE OF THEFT AND CREATES MORE THEFT OPENING FRAUDULENT ACCOUNTS See attatched ID THEFT case XXXX USAA COLLECTS ON THIS BLOCKED ID THEFT ACCOUNT ILLEGALLY. IT WAS ILLEGALLY OPENED USING MY PRIVATE SECURE DATA OF ACCOUNT CLOSED CANCELLATION DEBT MC end XXXX XX/XX/XXXX. They need Drs License??? They know I DID NOT OPEN.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: Experian Information Solutions Inc.
State: MI
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 status on my credit report is incorrect. My current status should report paid as agreed. I am in forbearance and no payments are required and no payments are due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: CURO Intermediate Holdings
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have applied for an apartment complex and the screening company is reporting my charges as a XXXX XXXX when the final conviction is a XXXX to the apartment complex. I am now being denied because of the charge being filed incorrectly. I have called for 3 days and spent hours trying to talk to someone. I have sent over the final conviction notice from the courts and the company will not adjust how they are reporting the charges.

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 2019-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
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:
XXXX XXXX  made two unauthorized charges to my checking account {$65.00} each for a total of {$130.00}. I called XXXX XXXX and was told that they refunded the {$130.00} that same morning. When I tried to call Bank of America about the unauthorized charge they told me the charge was still processing along with eight other changes. Bank of America told me I can not dispute the charges or retrieve the charge until it finish processing. The next day all the other eight charges finished processed EXCEPT the {$130.00} charge for XXXX XXXX. I called Bank of America and asked the representative why havent this charge process and all the other charges are completely processed which makes me think Bank of Americas is discriminating against me and holding that unauthorized charge in limbo so that  I can not dispute the charge and retrieve my money back in a timely fashion. Bank of America is trying to keep my money held up for 3 to 7 business days for a charge I did not authorize. I think Bank of America is withholding my funds due to XXXX discrimination practices that is integrated into their banking network.

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 2023-05-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a complaint last XX/XX/2023 and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. How can you close my complaint and say that it was already processed it earlier. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
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: Account information incorrect

Complaint:
I am filing this dispute because XXXX XXXX reported I missed XX/XX/ payment when in fact I made the payment on XX/XX/ and funds were available. XXXX XXXX department advised me that my personal checking account was frozen when the payment tried to post. I advised them that I wasn't aware of any freeze regarding my account and that I deposited funds for this payment that was available. XXXX  customer service advised me to contact a local XXXX XXXX to provide a letter stating this bank error. I scheduled a meeting on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with XXXX XXXX. I explained to XXXX XXXX what customer service stated I need to correct the mortgage payment reporting for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Customer Service Rep ) the attached email stating this was a bank error and my account status at the time of posting. This delinquent reporting should be removed immediately.

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 2020-06-01
Company: Experian Information Solutions Inc.
State: AR
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:
Experian stated that they will investigate my issues on my credit report regarding XXXX XXXX and XXXX XXXX XXXX  XXXX. They have yet to open a dispute to investigate the issue nor send me proof of the validity of my dispute. They have keep incorrect information on my report for 2 months now. I have gone back and forth with them and have gotten nothing resolved.

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 2017-09-19
Company: GREAT LAKES
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have a consolidation loan in normal repayment with loan servicer Great Lakes XXXX XXXX XXXX XXXX XXXX. I 've paid ahead on the level repayment plan, more than twice the minimum payment due each month, since loan inception. 
I have an automatic payment setup with direct draft from my checking account and this method has been in place as long this account has been in repayment. As a result I 've been entitled to an interest rate reduction of .025 % APR. 
In XX/XX/XXXX 2017 I had to change the payment date on this automatic draft and I was directed to suspend the automatic payment as the only way to achieve this outcome. I made the minimum payment due for XX/XX/XXXX and changed the withdraw date ( changed from the XX/XX/XXXX of each calendar month to the XX/XX/XXXX ) one week later than it had been, previously. 
Due to the suspension of automatic payment, which was resumed for the next month 's repayment, I lost the .025 % apr interest rate reduction. 
Automatic payments were resumed less than a week after the initial contact made to change the date of withdraw. The loan servicer has not confirmed the discounted interest rate has been reinstated after re enrolling in automatic repayments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
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:
UN-AUTHORIZED INQUIRIES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I reported my card missing to the bank by phone and by mail. I also gave them the fraudulent individual charges that were made. They said they would investigate. They sent me a new card. I received a letter telling me that since I was present the charges were valid. I of course was not present and no-one authorized made the charges. I sent the bank a letter requesting all the documentation they relied upon to determine their conclusion, specifically the signed receipts with my containing my signature. To date they have not produced the request, they continue to bill me for the fraudulent charges, and are reporting negative information to the credit bureaus. The amount involved totals {$4600.00}. My account number ends in XXXX. My request for information was made to them pursuant to the provisions contained in the Federal Fair Credit Billing Act.

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 2020-07-30
Company: FISERV INC.
State: FL
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
1 ) Fraudulent transaction for {$9900.00} on XX/XX/2019 XXXX at Gas station XXXX XXXX, Fl we reported this to Money Network. 
2 ) Fraudulent Transaction for {$9800.00} on XX/XX/2019 XXXX at Gas station XXXX XXXX XXXX XXXX Fl yes we did a report to Money Network 3 ) Fraudulent transaction for {$9400.00} on XX/XX/2019 XXXX at Gas station XXXX XXXX XXXX XXXX, yes we did a report to Money Network 4 ) Fraudulent Transaction for {$98.00} on XX/XX/2019 XXXX at Gas station XXXX XXXX XXXX Fl, yes we did a report to Money Network. 

When we found this, we called Money Network Customer Services, let them Know what happened because we did Not do those transactions. They said they are going to star an Investigation and after 90n days they will notice their decision, also they said that we have to call every week and follow the dispute process. We filled out the form and after several unpleasant calls, they decide to denied our Claim. I will attach documents. Money Networ never send any letter about their decision. 
Thanks XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: WELLS FARGO & COMPANY
State: VA
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: Investigation took more than 30 days

Complaint:
I was overcharged apx {$140.00} at the end of my auto loan with Wells Fargo auto loan services. I had an ongoing dispute with them regarding this amount for 4 months at the end of my loan period. I finally relented and paid the balance sine I was in the process of purchasing a home and did not want this open balance reflected in my credit report. However a year later I received a refund check and letter from Wells Fargo dealership stating that I was indeed overcharged. However this is still adversely effecting my credit rating and my ability to get a lower auto loan interest rate and refinance on my home

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 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2018-05-10
Company: EQUIFAX, INC.
State: MO
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:
On XX/XX/2017 and XX/XX/2017 credit inquiries were made without my consent. Customer service wouldnt help to remove these inquiries reporting to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Rocket Mortgage, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My house was damaged by Hurricane Ida. Since I have a mortgage on my house and the damage was in excess of {$50000.00}, the check had to be made payable to us and the mortgage company. I called Rocket Mortgage and was advised that I have to endorse the check and mail to them which I overnighted to them on XX/XX/XXXX. When I initially called on XX/XX/2021, I was told it would take 5 business days to review, deposit the check and re-issue in the amount of {$50000.00} ( check was {$64000.00} ). As we made repairs, we would then get the remaining balance in 2 draws. I called again on XX/XX/2021 to get a status and was then told that the info given on the time frame was incorrect. It would be 7-10 business days. When I complained about the change in time frame, I was also told the " we XXXX americans have to stick together ''. I'm not XXXX american. I called today XX/XX/2021, the 10th business day to learn that my file was not assigned to a case worker to handle and my funds are sitting in my escrow account. I requested that the {$50000.00} be direct deposited into my checking account because I have contractor 's to pay. Was advised that it will take longer to process my check because they are short-staffed due to COVID and I would have to wait for a check in the mail. This was/is completely unprofessional and I want others to know about this issue. Once this is all said and done I will be re-financing and it won't be through Rocket Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
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: Account information incorrect

Complaint:
XXXX  hasnt updated my report since XX/XX/2020, I paid off all my credit cards in XXXX and they still showing balances. XXXX  is still reporting fraudulent information and addresses that do not belong to me and have yet to provide validation of the fraudulent accounts and addresses that were removed a placed back by XXXX. They are hindering me from my home buying process. They refuse to remove the addresses stating they are attached to accounts and Ive called all my creditors and they have and been reporting my current address. XXXX  has replaced fraudulent accounts that were removed on my account without validation or contracts. Below Ive attached info from XXXX  showing its fraudulent and not me it clearly shows someone elses name, ID, social, and address. Ive been fighting this account for 4 yrs even tho I have proof it doesnt belong to me. 

Experian refuses to remove fraudulent addresses and accounts and refuse to show validation. Ive been fighting with this company for months sent info requested and still no removal. Experian also claims the fraudulent addresses are attached to open accounts and thats not true Ive called all my creditors and they have no knowledge of the addresses on my credit file and are reporting my current address. They are also hindering me from closing on my home. Experian has replaced fraudulent accounts that were removed on my account without validation or contracts. 

I cant and wont receive any mail at the fraudulent addresses XXXX  and Experian have on file.

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