BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following XXXX, XXXX, TransUnion credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me ( 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 2018-07-27
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted XXXX XXXX XXXX on XX/XX/XXXX to discuss a claim application after I had been the victim of a hit an run by an unknown driver. I then was advised that my insurance was canceled due to non payment of my account. I was shocked because I had enrolled on the automatic payment program as they advised and have been ever since my policy commenced. I have spoken with one of the insurance company 's ' representative who informed me that they have tried to take the payment but could not because the funds were not available. I immediately contacted my bank XXXX XXXX XXXX XXXX who states that XXXX XXXX XXXX only taken one payment of {$140.00} on XX/XX/XXXX. In fact XXXX XXXX XXXX had not taken any payment from my account since the first payment scheduled XX/XX/XXXX and instead reported to the bureaus that I was in default of {$70.00}. My bank provided me with a detailed print out of my statement of account for my checking and savings account which are both linked and have been in credit of over {$7000.00} for since XX/XX/XXXX continuously until present. We, both my banker and I are perplexed as to how this company can give the explanation that the funds were not available in my account for withdrawal. I have attached a print out who will also attest that there has been no attempt by XXXX XXXX XXXX to draw from my checking account as listed on my agreement XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm a victim of identity theft, this is wrong when Creditors do not verify new and open accounts. I did not give Consent on theses account, someone used my personal information 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 2020-10-30
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX I agreed to refinance my home with US Bank. 4 or 5 days before closing they asked for an additional {$10000.00} in escrow that was not part of the estimate they gave me. I was upset but had gone through so much of the closing process decided to still close with US Bank. I made that decision because the US Bank employee I was communicating with wrote in writing " after 2 months of payments can cancel the Escrow and it will only take 2 days to do it ''. 

I have now been trying to cancel the escrow for 7 or more weeks now. Throughout the process US Bank adds another layer of red tape that is not disclosed. Like the {$1200.00} fee to pay them to cancel the escrow that was paid 3 weeks ago. 

Every time I speak to someone at US Bank I get a different set of rules or steps. It feels like they are just a bunch of liars but its more likely they just grossly inadept. 

The process has been frustrating. They don't care that I was told it would only take 2 days. I have offered to forward it to them, the emails from their employees. 

I do not think that a bank/mortgage company can mislead consumers in the loan process. It should be in writing and they should keep written commitments. They also said if I would pay my property taxes they wouldn't need the {$10000.00}. The next day I paid my property taxes and sent them the receipt. They then said, oops we made a mistake telling you that and we are still requiring the extra {$10000.00} at escrow. 

If I make a mistake, lets say I don't pay them, etc. Will I get to say Ooops? Can I lie to them or mislead them? Why is it only one way?

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 2023-03-01
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: Information belongs to someone else

Complaint:
I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, correction, or removal of the following erroneous information on my credit report. I'm looking forward that these will be fixed as soon as possible. 
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 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 2018-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2017 I got an email that a payment had been posted to my Capital One account. in the amount of {$3000.00} was posted to my account. I did not make this payment. I called Capital one and told them I did not make this payment but they could not tell me who did because of privacy issues. Well three days later the payment was returned due to fake account. They told me my account was probably hacked and they were going to use card after payment cleared. They said they were going to mail me a new card. Instead I got a letter they closed my account. I had always made payments on time. They did no investigating to see who did this and would not give me any information to do it myself. Instead they just closed my account and I got a dereogatory mark on my credit score. I told them this wasnt my fault but they did not care

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: AmeriCollect
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
americollect XXXX XXXX XXXX americo collect sent me to collection for a medical bill when I went through a Covid 19 pandemic, and I don't even have a job to pay for food for my family. there is little communication from them in trying to solve this problem of their payment of money that is only XXXX dollars. 
Please, I am willing to start paying after the pandemic is gone, but now I am going through a very difficult situation and I need a temporary break. 
Thank you and I would appreciate your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: Experian Information Solutions Inc.
State: VA
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've contacted you in XXXX as well as in XX/XX/XXXX about erroneous and inaccurate information on my credit report. I've asked that you thoroughly investigate and provide me with the method of your verification, yet you refuse. 

I do not recognize these creditors or the amounts they say I owe. Since you are reporting this information, per FCRA you should be able to tangibly verify that what you're reporting is accurate. Yes? Well I asked for your method of verification per FCRA 611 ( a ) ( 7 ) for a complete description of all methods used to investigate my dispute I previously sent about " XXXX XXXX XXXX and " XXXX XXXX. 
You did NOT provide me with this information which leads me to believe it was NOT investigated, but responded to by e-Oscar, the grouch. Therefore it should've been deleted There is no information as to what the balance is from or for on my credit report as you can see on my screenshot, so before I pay a company I need PROOF I owe what they say I owe and i do not recall doing business with XXXX XXXX. Therefore I need to see the agreement I signed saying I agree to pay them and for what product/service. 

I asked you to stop reporting XXXX XXXX XXXX. This account is unknown. I asked you to provide me verifiable proof or to delete this unknown unverifiable account. why are the XXXX inaccurate? You ( Experian ) report XX/XX/XXXX XXXX reports XX/XX/XXXX. 

You continued reporting the account without sending me proof that I owe this creditor. And what's worse ... I dont even know who this is! Yet this unverifiable account continues to report different dates last active!! THIS IS A VIOLATION!

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 2020-10-30
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:
On XX/XX/20, I did my annual credit check, and found on there listed that I had made 13 consecutive missed payments on an account. I called the bank immediately and tried to rectify the error. I also have two other credit accounts with this bank and both are exceptional status and paid automatically. I told the bank that I had never received a notice of late payment, or any notice that my account was so far behind, no billing statement, and that my online account showed I owed nothing ; which was different from what they were reporting to the agency. I also told them how ridiculous it sounds for me to not have paid {$4.00} for 13 months, while making payments on my two other accounts for 10x that amount, monthly. They didn't change it. I filed a dispute with Experian the same day. On XX/XX/20, Experian informed me the dispute was complete and no change was made. The error remains on my credit report, and has dropped my score 50 points in 10 months.

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 2023-09-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXXXXXX credit cards ( 2 credit cards ) and XXXX XXXX XXXX has accounts on my credit report that are being fraudulently reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The three credit bureaus are reporting information from these organizations that are obsolete. They are reporting these accounts as if they are new accounts. I am asking for all of the accounts associated with the following companies to be deleted. I am asking for the three credit bureas to request the origination and payment history in support of my claim to support that none of these companies should be on my credit reports. If they request this information they will see that the timeframe would also support deletion as they are obsolete accounts. Also there is an address reporting on XXXX that has never been my address XXXX XXXX XXXX XXXX, CT XXXX, I am asking for it to be deleted. 
XXXX XXXX XXXX XXXX XXXX FUNDS DEPT OF 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 2021-05-27
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
When I cancelled my service with att and finished laying everything off. They sent me an additional bill for {$2500.00}. I asked for itemization on the bill since I didnt know what it was for. They sent another bill and it just said I owed money but didnt explain what for. I went to the closest store and they couldnt help me. Said I needed to go online. So I did and they sent another bill that was supposed to be itemized so I could see what this mystery charge was for. The bill was again not itemized so I have no clue what the charge is for. I explained I am not going to pay a mystery bill with no explanation as to what it is for. Then they sent it to collections. While dealing with them I was told I could get an itemized bill. I never have received one.

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 2023-09-20
Company: Upstart Holdings, Inc.
State: VA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
They said 24 % interest o. Loan but after review of contract after signing the interest showed over 200 % becoming a vulture loan

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the debt owed with the company as well as with TransUnion. I submitted the FL Statutes regarding withholding rent for repairs. I served notice to XXXX XXXX advising rent would be withheld if repairs were not made. In addition to that I lodged a complaint and someone same out advising the company they were required to make the repairs. When the repairs were not made I exercised my rights and withheld rent. Eventually I broke the lease, also within my rights, because the repairs were not made and the apartment was uninhabitable. I complained to the State Attorney General 's Office and received an email advising they reached out to the company regarding my complaint but received no response. I do not owe XXXX XXXX. I moved out and I do not owe unpaid rent because I exercised my rights after they failed to make repairs timely. I moved into another residence and started that lease the end of XXXX beginning of XXXX. As retaliation they immediately placed this on my credit report. No one contacted me saying I owed anything to allow me to respond. Instead this was placed on my credit report and has remained on my credit in error causing me to be denied credit in error.

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 2020-10-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I contacted XXXX XXXX over a month ago regarding account. I also contacted XXXX, equifax, and XXXX XXXX regarding this fraudulent account. It is illegal to report anything that is inaccurate and I would like this account removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Ive got a copy of my credit report and these addresses below, are inaccurate. Ive tried to get these addresses updated or removed from my report for months, but it seems like that, theres no way I could get that done ; due to the fact that, agents wouldnt take my word for it. Id like these addresses to be removed immediately, I have the right to privacy and accurate report. 

Once you have deleted inaccurate addresses from my report, please send me a copy of my updated report. 

I am filling this consumer complaint and consumer check for compliance of these particular items that are reporting under FACTA Title 1 sec. 151. I have enclosed copies of my state ID and a bill to validate my identity. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, GA 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 2023-01-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo was my mortgage holder and I got behind on my payments so I tried to do a modification twice but was denied both times. I had to file bankruptcy to keep them from foreclosing on my home. They kept not posting my payments to keep me behind on my payments just so they could mess up my bankruptcy process//I ended up having to file bankruptcy a second time just to keep my home. I need to know if I am entitled to some compensation from them even though I was able to struggle through to keep my home out of foreclosure.

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 2020-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is my 1st CFPB complaint I have had to make about the lack of response. However, I have filed disputes submitted directly to TransUnion, XXXX  and XXXX. While I understand that there is a pandemic which can cause delays, I have not received anything from the bureaus since my first dispute on XX/XX/2020. This is not a delay ; this is negligence on the part of all 3 bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by anyone to resolve anything. There has also been data that was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. TransUnion, XXXX  and XXXX  must be held accountable and to the standards clearly outlined in the FCRA.

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 2023-03-13
Company: Experian Information Solutions Inc.
State: OK
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:
There is a {$2000.00} collection showing from XXXX XXXX originally XXXX XXXX from XXXX of 2022. I have XXXX  and did not do anything with XXXX XXXX. Not my account. I requested it removed. They say it is accurate and didn't remove it. I don't have any documents because I didn't open an account or even attempt to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: BMW Financial Services NA, LLC
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I requested my auto pay be held for the month of XX/XX/XXXX, I spoke with a rep at BMWF on or around XX/XX/XXXX, she said she would request payment held until XX/XX/XXXX. Their web-site still shows payment to be pulled on or around XX/XX/XXXX, that rep did not do what was asked of her and needs to be corrected. I checked the site today, XX/XX/XXXX, it shows payment pending for XX/XX/XXXX, needs to held until XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone is opening multiple accounts under my name fraudently. On XX/XX/2022 I received a letter from Chase that someone tried to open an Amazon XXXX XXXX signature account under my name. I know the address that they put on file because they have done this before with other accounts. They order clothes and electronics and get it shipped to their house. I want this to stop so what steps do i have to take in order to make it happen. I called the company Chase but they told me to make a report with you guys to get it investing. I have multiple police reports as well showing all the accounts they have opened.

Company response to consumer: Closed with non-monetary relief