BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-28
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Was checking  my credit report found an account of a credit card that i never owned showing in the negative on my credit report. The credit reports show the card was issued by XXXX XXXX XXXX (XXXX  XXXX XXXX #XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
(XXXX) XXXX
Date Opened: XX/XX/XXXX
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: CREDIT CARD
Balance: $XXXX
Date Updated: XX/XX/XXXX
Payment Received: $XXXX
High Balance: $XXXX 
Credit Limit: $XXXX
Pay Status: Current; Paid or Paying as
Agreed
Date Closed: XX/XX/XXXX
Delinquency of 30 days in XX/XX/XXXX and in
XX/XX/XXXX< I called XXXX XXXX XXXX because i have no knowledge of this account nor the negative report on my credit. I called the XXXX XXXX XXXX credit card company  was told by the credit card dept that they do not have anything in their records showing that i ever had a credit card with them and there was nothing they could do ( spoke with representative XXXX from the Arkansas XXXX XXXX XXXX credit card department) I need this problem and error fixed and my credit report corrected.

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 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
Hello, I was informed based on this website CFPB that federal student loans were automatically not being charged interest or late payments being reported to Credit Bureaus per the CARES act. However, XXXX reported to the credit bureaus that I had a 90 day late payment which has affected my credit score and it dropped 93 points.

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 2018-10-30
Company: EQUIFAX, INC.
State: WI
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:
There is a address on my file that does not belong to me. at Equifax it belonged to a person with the same name I never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX wisconsin

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-11
Company: EQUIFAX, INC.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX  closed my credit card ( XXXX ) on XXXXI did not close this account.I stopped using this account when XXXX closed and went bankrupted.I kept it open so it does not reduce my credit score by closing it.I couldnt use this credit anyways.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
My most recent dispute with Experian resulted in a public record being verified. During previous disputes I have asked for supporting documents and proof to validate their decision. I stated that the public recorded that is reporting on my credit report is not mine. The previous investigation did not meet FCRA. I was not given the documents that I request to prove this was a proper and thorough investigation. I am demanding all original documents from the original furnisher such as documents containing my signature, contracts, and or signed agreements. Also Im demanding documents used to determine your decision in this investigation such as address, phone numbers, dates, times, and name of person that your company communicated with to verify such inaccurate information. I would like this information within 15 days. 
US BKPT CT TN 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 2020-10-13
Company: Global Lending Services LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a call from Global Lending Services on XX/XX/2020 regarding a late auto payment for my vehicle. I spoke with XXXX XXXX. After informing her about my financial situation, she asked me to confirm my address. I informed her that my address is the same as before. She asked me to verbally confirm. I told her that it's the same. She asked me to tell it to her. I told her no, it's the same. Flustered, she recommended that I pay as quickly as possible, as I incur late fees daily. I asked her how much the daily fees are. She responded {$22.00} every day. I asked " EVERY day?? '' She said yes, every day. I told her that there is nothing in the contract that states that there is a {$22.00} daily late charge and that this is unacceptable. She apologized and told me that she will double check her information. She put me on a brief hold. When she came back she told me her information is wrong and that the late fee was a monthly charge. I informed her that giving me false or misleading information about a late account is really bad. She agreed and apologized. I took her information. 
I don't know if the false information was intentional or not. But as a consumer, receiving false information from a debt collector, whether on accident or on purpose, is completely inexcusable. It's her job to know how late fees work. Had I not called her out on it, she wouldn't have corrected herself. I feel that she was trying to use false information to pressure me into paying faster.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account information incorrect

Complaint:
XXXX account reporting on credit report. XXXX charged off account and did not provide a cancellation of debt and is reporting the account past due which violates the 15 usc 1681 eb fair reporting act. 

Account balance {$2100.00}

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 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
On XX/XX/2020, I spoke to loan officer XXXX XXXX at XXXX XXXX XXXX regarding the Maryland Smart Buy program. The phone conversation was informal, and I was brainstorming my options of purchasing a home and see if I qualify for the Maryland program. The loan officer took that informal conversation and pulled a hard credit inquiry without my authorization. Nowhere in the phone conversation was I notified that my credit will be pulled and a hard inquiry will be performed. Now that inquiry is being reflected on my credit report and affecting my credit score.

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 2020-07-01
Company: Experian Information Solutions 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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX, XXXX  Company Inquiries : 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 2020-07-01
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX  Company Inquiries : 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 2020-10-13
Company: Bread Financial Holdings, Inc.
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2020 I applied for a XXXX XXXX credit card through Comenity Bank ; on the same day, once the account was approved, I ordered an item that qualitied me for a {$10.00} credit on my current order as well as a {$10.00} credit on my first statement. I have a screenshot of the offer. Additionally, when I received the order confirmation, it indicated I qualified for free shipping on this order ; I have the email message to this effect. 

When I received my statement last week, I found that not only was I charged shipping, neither of the promised {$10.00} credits had been applied to my account. 

I first attempted to contact XXXX XXXX via secure messaging on their website. The response directed me to call for assistance. 

I have contacted both XXXX XXXX and Comenity Bank, the issuer of the credit card/account and have been given nothing but a runaround, with Comenity Bank telling me to speak to XXXX XXXX and XXXX XXXX telling me speak to Comenity Bank. Today alone, I have spoken to TWELVE different people today trying to get this resolved and have been lectured to and hung up on by supposed 'Customer Service XXXX representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
The only reason that Im reaching out the CFPB is because I was taken off a repayment plan unilaterally without my knowledge and then illegally penalized by having to jump though more hoops and being reported negatively on my credit report. This applies to myself and the co-signer, which in this instance is my ill mother whom Navient knows. 

As a result of a lot of hard work and negotiation with Navient. I was approved to have a certain payment and contractual terms for the duration of my loans. Navient removed me from these payments based on subjective measures that were not at any time part of the agreed terms and refused to place me back on the the automatic repayment plan that I was on. Its not if I made my payments on time since my payments were in auto debit, but why Navient took me off of this contract and refuses to fix it, fairly. 

I hope this makes sense and you can see whats happening. If not, I can most definitely speak to you in person and articulate this differently. 

The office of the advocate has mistreated me and not responded to me on getting any traction to fix this. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: REGIONS FINANCIAL CORPORATION
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:
I went to use my Visa debit card on XX/XX/2018 at my local hardware store. My card was declined. I then went home, logged onto my banks website and noticed purchases on my account that I did not make. I called the bank, they informed me that suspicious activity on my account hat caused them to freeze my account, that I needed to go to a local branch office to open a dispute. I then went to the bank, open a dispute, but I had to wait until all of the charges cleared my account, all the while incurring over draft charges because I transferred all of the money out of the account as to not incur further illegal purchases. The bank sent me a letter in the mail saying that they had investigated my claim and fount that all of the questionable charges that that caused them to freeze my account were authorized transactions. They were not. So I went back to a local branch and had the open the dispute back up and to investigate again. A week later I received another letter stating that my second dispute had been declined because they had found that one of the charges was actually mine. I told them about that particular charge being mine from the very beginning. So thus far they have refused to credit my account back with these charges or the over draft fees that I was charged during this period. This is a business account that I have had with Regions bank for twenty years. This is unacceptable. They do not answer their help line phone number.

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 2018-10-30
Company: Diversified Consultants, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a call XXXX XXXX on Tuesday XX/XX/2018 they lady was very rude and wanted information I was not comfortable giving and after I asked 3 times to not call me and only communicate with me through mail or email she said no we will just call back later then and hung up. She also kept saying how are you going to pay and this is the 3rd collection agency for this debt which is not true

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-30
Company: Experian Information Solutions 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:
After I acquired a copy of my credit report I noticed that there were two accounts listed on them. One was from XXXX XXXX XXXX ( Collections agency ) and the other was From XXXX/XXXX. I discovered they were related in that the XXXX account was closed, and the debt on the account was sold to XXXX XXXX XXXX for collections. I contacted The debt collector and told them that it was not my account on or around XX/XX/2018, they then told me to dispute the account with the Federal Trade Commission and obtain a support document to send to them. I proceeded as instructed, and the collections account was removed from my credit reports. I soon noticed that XXXX  and Experian after many attempts to get the account removed from my credit report with them, and sending the same proof to them as I sent to XXXX XXXX XXXX, after a 30 day investigation they decided it was accurate, and left it in place.

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 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$3300.00} XXXX XXXX XXXX {$210.00} XXXX XXXX  XXXX {$440.00} XXXX XXXX XXXX {$1400.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$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 2018-10-30
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Nissan reported my mom XXXX XXXX late on her auto loan account number XXXX. There was something wrong with her last payment and somehow they marked her late. My mother has never made a late payment in the 5 years she had the loan. How can they report her 30 days past due in XX/XX/2018 when the account is paid.

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 2018-10-30
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX mortgage company, Mr. Cooper is withholding my insurance money for an unjust and unwarranted length of time drawing interest on my money while I am having financial burdens having paid for ALL completed repairs out of pocket. I have provided documentation for the completed repairs multiple times and they keep giving me the run around. I have left multiple prior messages for a supervisor or manager to call me back and have not received one return call. I need my money ( over {$14000.00} due to me ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is reporting a late payment ( over 60 days ) amount {$140.00}. I moved from XXXX XXXX County to XXXX County. I went in person 3 times to the XXXX XXXX branch located on XXXX XXXX XXXX, XXXX XXXX, FL XXXX and updated my information. I had paid my card in full and never received any statement or phone call from the bank advising that there was an outstanding balance. I was able to confirm with XXXX XXXX that they had returned mail in my account and I was advised that my case will be reviewed. I was finally advised that there were no errors on the bank 's side that is why the late payment would stay as reported. 
My credit is been affected with this late payment report. I am not disputing at this time what those {$140.00} charges stand for. I just tried to friendly resolve this issue without any success. I never enrolled in paperless statement so I think I was entitle to a monthly statement and or at least a phone call from XXXX XXXX before they reported 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 2018-10-30
Company: AMERICAN EXPRESS COMPANY
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
This complaint is time sensitive to try to recover funds in 10-14 days that will reappear on the account. 

On XX/XX/2018 My employee fell victim to a phone scam. She followed their directions and went to XXXX, purchased an AMEX Serve card {$220.00} with my funds and provided the information to the caller Upon determining what had been done, I immediately filed a police report with XXXX Maine Police Department and contacted AMEX who provided me the merchant info for how the card was used at XXXX for {$220.00}. 

XXXX at XXXX was helpful and will return the transaction as fraud to the card in 10-14 days The transaction id of the fraud transaction was # XXXX AMEX SERVE is very disappointing. The did finally answer after hitting 0 # repeatedly as suggested by another AMEX department. They agreed to freeze the card for outgoing transactions but directed me to register the card. Unfortunately, in trying to register and providing all personal information including DOB, SS #, and mothers name..it continued to come back with Sorry an error occurred. I went on to repeat this process with 3 different representatives where they would unfreeze the card and it would say the same. The troubling thing is the call would go to a point then they would say hold on a moment and " we are sorry we are having technical issues with our phone system '' please try your call another time. It was very convenient how this message came up when they seem to chose. 

All that will happen now is the card will finish being registered by whoever the thief is and they card will be unfrozen and the funds gone again. AMEX will not give a new card or send the funds back to me as I requested. I am repeatedly told to register the card and the above., Resolution : I have the card in my possession, the receipt where purchased. I want my {$220.00} refunded to me at my mailing address. 
XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX

Company response to consumer: Closed with explanation