BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
show tooltip button XXXX XXXXDispute XXXX XXXXUnder Dispute XXXX XXXXDispute XXXX XXXXUnder Dispute XXXX XXXXDispute XXXX XXXX   XXXXUnder Dispute. 
sent ftc violations attached ftc laws these companies violated

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 2020-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I was approved for unemployment back in XXXX with a claim start date of XX/XX/XXXX. And up until XXXX everything was fine. Then my card was frozen I contacted XXXX to find out I needed to verify my idendity. On XX/XX/XXXX over the phone rep uploaded the link to my profile and I submitted my California I'd and birth certificate. They told me initially that on XXXX everything would be cleared once identity was verified. XXXX I was told it would be 4-6 weeks. On XX/XX/XXXX I spoke to a lady who did idk what with my uploaded documents and had me re upload them asking for review of my case. On XX/XX/XXXX the documents I submitted on XX/XX/XXXX were denied and I was told to wait 4'6 more weeks. Then I was told that I had been disqualified and I had to appeal by this point I had managed to get verified through idme and still I couldnt get verified though XXXX even though that's how new claims are verified? I mailed copies of the same documents I uploaded and were rejected by XXXX to the I'd verification address in XXXX XXXX and XXXX appeal. On XXXX appeal was recieved by XXXX but the appeals office told me they still haven't received the file. I asked them if I could just make an appointment with the judge so they could verify my identity and was told I have to wait 4-6 more weeks. On XX/XX/XXXX my appeal was overturned and XXXX switched me over to checks but the balance on my debit card is still frozen by bank of america who claims they can not touch it and just refers me back to edd but bank of america has sent me 2 confirmation emails stating my account had been updated I dont know what else to do

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 2022-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information is missing that should be on the report

Complaint:
On XX/XX/2021 I received aa email from a collection company stating that I owed {$160.00} dollars on my Kohl 's credit card. I had never received a statement from Kohls indicatiing that I owed them. I first used their credit card on XX/XX/XXXX for a pearche of {$140.00}. I made the payment on XX/XX/2021. On XX/XX/2021 I purchased {$37.00} for slipperes.However, they had charged me late fees and interest amounting to a balance of {$88.00}. Again not receiving any statements they kept adding late fees and interest to the balance. When I received the email from the collection agency, XXXX XXXX,, the balance was now {$160.00}. I called them the same day and asked what this was all about, they told me about the Kohls credit card amount. I argued for along time and they brought the amount down to {$51.00} which I paid at that time. 
Issue-My credit scores have dropped considerably due to this being on my credit report. 
I feel this is wrong and would like to have it be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: Experian Information Solutions Inc.
State: IL
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:
Experian has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX ****XXXX INQUIRIES XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ****XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX ****XXXX  XX/XX/XXXX {$39.00} XXXX XXXX XXXX XXXX ****XXXX XX/XX/XXXX {$26.00} XXXX XXXX XXXX. ****XXXX XX/XX/XXXX {$35.00} XXXX XXXX ****XXXX XX/XX/XXXX {$1600.00}

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 non-monetary relief
Consumer complaint received 2020-09-23
Company: BlueChip Financial
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX has been trying to collect a debt from Spot Loan ( original creditor ). They are also reporting this collection on my XXXX  report. I've asked them to remove this debt numerous times and they have refused. 

Spot Loan just lost a class action lawsuit for illegal loans. This was finalized recently and one of the conditions is removal of this account/loan from all credit reporting agencies. I would like this removed immediately. I am attaching the class action settlement document to this complaint. If you want the full 92 page court document, let me know. As this reported debt is now invalid/obsolete, I also want confirmation from XXXX XXXX XXXX that they will not try to resell this invalid collection debt to another company. 

Thank you

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX am trying to avoid filing bankruptcy. Previously by writing to my creditors I explained my personal situation, where another person I trusted ran up my debts without my knowledge. I could have filed for bankruptcy earlier this year, but have decided to try another avenue. I seek settlements of the debt posted in this report for 20 % of the charged off amount with terms. Accordingly, I would appreciate a quick response as I will agree to settle these collection as they are accepted. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I did a refi in XX/XX/2021 to lower my mortgage payment. The refi paperwork reflects my escrow account was fully funded & accounted for in the refi.

In XX/XX/2021, the mortgage company refunded me {$3400.00} as a surplus in my escrow account. My assumption was that the refi caused this overage. 
On XX/XX/2021, I received notification that my escrow account was now short about {$3500.00}. 
I logged in to the property tax accounting website for my county ( XXXX ) and saw that the first installment of property taxes was never made and there was a {$200.00} late fee assessed. I do not receive property tax notifications due to the escrow account. 
Mr Cooper has indicated they paid the {$200.00} late fee out of their own funds, not out of my escrow account. But now my house payment has increased {$270.00} a month as a result of theor mismanagement of my escrow account. 
The fees I paid to do the refi were a complete waste of my money because now my payment is even higher than it was before the refi. 
This is all the result of their error & misuse of my escrow funds. 
They should be penalized for this activity, it is deceptive to lure me into a refi with the promise of a lower payment & then misuse the escrow funds, resulting in me having a higher mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I have a bluebird prepaid card that offers mobile check deposit in MINUTES. It's been over an hour and my check has not deposited. I called 8xs and got transferred to ingo where I was " 3 '' in line and no one ever comes to the phone! This is against the law either approve my check deposit or decline it so I can go somewhere else XXXX And XXXX were two of the reps I talked to at bluebird they like the other 6 hung up on me too!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2021, I made an electronic payment from my primary checking account to my credit card account at Capital One credit card. I erroneously made a very large payment of XXXX dollars for an XXXX bill. I advised capital one of this error in an attempt to get my over payment back. Capital one referred this to their fraud department which asked me to provide government documents and to provide information to verify my identity I completed this task in a timely manner Capital One advised me they would send me my over payment upon receipt of this information. Capital One credit now is requesting more personal information which I am extremely reluctant to supply such as a copy of my social security card I strongly believe this company is attempting not to only keep my over payment but to steal my personal identity for fraudulent use. Capital One also refuses to close the account this payment was made to when I requested to be closed on multiple occasions to prevent fraudulent charges to be made on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-26
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:
( 103 true Identity theft ) I am a victim of identity theft since XXXX i have try over and over to get these two information listed blow deleted due to fraud, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft also i am a victim of the XXXX XXXX data breach several accounts on my credit report are not mine listed :, also filed a FTC report and a Police report to support my claim heres my FTC Report XXXX and Police Report number XXXX IVE CALLED XXXX  AND Experian over and over for the last past year going back in fourth i even called XXXX and XXXX which they both was unable to locate or verify any account using the same date of birth as me, my XXXX  Confirmation # XXXX and My Experian Report Number XXXX ... ... .. 
Account name : XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX {$300.00} Account name : XXXX XXXX Account Number XXXX {$2700.00} XXXX XX/XX/XXXX ... XXXX 
these fraudulent debt is hindering my ability to apply for credit or even get a first time credit card for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a Job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports IVE ALSO UPLOADED A COPY OF MY POLICE REPORT FILED WITH THE XXXX COUNTY SHERIFF 'S OFFICE AND MY FTC REPORT THANK YOU SO MUCH FOR THE HELP!!!

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 2021-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
From birth I have been deceived by the very corporations I believed to be in my favor. For years ( XXXXpresent ) I've been disputing the bureaus against there accusations of alleged debts. TRANSUNION, LLC attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at the least and unacceptable by every means! In XXXX, several items were removed from my report and thus placed back unto the report without consent. I now demand to be compensated for the continuous crimes committed against me as the Original Creditor, Natural person, Federally Protected Consumer.

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 2022-01-09
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax Information Services LLC furnished consumer reports On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX about XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX without my written instructions and or consent constituting as a violation of the FCRA. I the consumer On XX/XX/XXXX sent Equifax information services LLC a notice of the FCRA violation with attaching a copy of the law that they violated Demanding that they delete the said accounts off of my credit file. I sent notice certified mail green return receipt # XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 the night of XX/XX/XXXX I paid the full balance of {$190.00} on my CapitalOne credit card. I put the card up and did not use it because I am in the middle of buying a house. 
I did not receive any bank statements for the month of XXXX, XXXX, or XXXX but didn't think anything of it because like I said, the balance was paid in full and I had not used it. 
I found out through my loan originator that I have a past due payment showing on my credit report. 
I checked CapitalOne and saw that after I paid my balance in full on the night of the XXXX they posted a charge for {$3.00}. It was a charge from XX/XX/XXXX. 
I spoke to them and they waived the fee 's but that is not good enough, they will not remove the late payments from my account and take them off of my credit report. 
I am signed up to receive stuff in the mail and did not receive anything until the month of XXXX, which was showing me I owed {$24.00} because of the late fee 's that were racked up over the course of the 3 months that I did not receive a statement. 
I have spoken with numerous agents and supervisors and they are not resolving this problem that they have created.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-14
Company: Allied Collection Services, Inc. (Nevada)
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The payment was made with the agreement the collection was to be deleted with payment. Instead, the item was only updated to paid in full. I am requesting to please removed from the credit profile.

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 2022-08-12
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 status incorrect

Complaint:
XXXX XXXX XXXXXXXX and XXXXXXXX XXXXXXXX Has reported false information under my report. Account has been paid in full and I was never ever late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: Experian Information Solutions Inc.
State: MI
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 has refused to remove a voluntarily dismissed Chapter XXXX Bankrupty filing ( reference number : XXXX ) from my credit report causing me prejudice and damage. The filing was voluntarily withdrawn by myself and dismissed by the court therefore it was never a bankruptcy and should not be adversely affecting my credit report. My creditors were not harmed in any manner by the filing nor the withdrawal/dismissal and they did not experience any financial loss whatsoever in any manner therefor this item should not be allowed to cause me prejudicial damage.

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 2020-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I reached out to transunion, XX/XX/20, to inform that I attempted to reach out directly to XXXX XXXX XXXX to inform that I have been a victim of identity and the given account was not mine however the given company informed that no evidence showed I was a victim of identity theft. I provided the identity theft report i provided to the company as well as a letter requesting the account be removed from my transunion report. transunion declined and informed that account was verified. The account is reporting as charged off which is hurting my credit score as well as other XXXX XXXX accounts are showing as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I provided proof that the XXXX bill, XXXX/XXXX bill and XXXX that is on my credit was paid in full. I provided documentation. MY BK XXXX was denied and therefore the debt was no loner BK protected and I paid all of these debts in full. Yet, XXXX, Equifax and XXXX are still reporting BAD DEBT and Derogatory. I have been fighting for correct information for over a year, and would like these debts to be investigated thoroughly and do not exceed 30 days to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: Regional Management Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regional Finance Company, which does have a local branch but is a " nation-wide '' company, sent a check to a property that is owned by my family with my name on it - I did not request the loan, or a check to be mailed to me, and did not authorize any type of credit pull, or new loan account to be opened or initiated. 

I received a notification on my Credit Report that a NEW account had been opened on XX/XX/XXXX with RFC - Regional Finance. I tried to call on FRIDAY XX/XX/XXXX but reached them after hours, so I called them today. 

After I inquired about the loan and the credit report inquiry, they informed me that someone had cashed a check with my name on it on XX/XX/XXXX. I advised them that NOBODY in my family or that lives at the house cashed the check, and I did NOT cash the check myself, and they acted dumb with me... 

I have a strong feeling that someone came by house and went thru my mail and fraudulently cashed the check, as my Texas State Drivers License was " lost in the mail '' in XXXX, and now I am having fraud... 

I have been working on my Credit Score for the last 18 months, paying down debts and keeping my credit utilization rate as low as possible, while making 100 % on-time payments. I have worked really hard to increase my credit, and now I am hoping this does NOT ruin my credit... 


I was told by my father to report this, if you have any questions, my cell # is XXXX. 


Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: John C. Heath, Attorney at Law, PLLC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Myself and my boyfriend went through Lexington Law Firm to help with our credit and the company didnt do anything but take our money so we cancel after being with them for two years or longer.The firm was suppose to help get our credit score up so we could be approved to be able to buy a home.I know the firm wasnt doing what they said theyd do cause our scores never went up not even our score up a few numbers.We paid {$120.00} a month each for years and never ever seen any difference in our scores and when wed talk to them they would tell us I assure you that we are working on both of your score but it takes time. No all the firm done is take our money and did nothing to improve our credit.Theres no telling how many people the firm has and probably still doing this to.

Company response to consumer: Closed with explanation