BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-21
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:
My identity has been stolen by the same person for the last 9 years, He has opened credit cards in name and auto loans and several boat loans. There is several police reports and FTC reports on file with XXXX, Experian, and XXXX but they don't use them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
In XXXX of 2017 I had my card stolen, and some charges were made. When I contacted XXXX XXXX XXXX to alert them of the charges they told me NOT TO MAKE A PAYMENT since I had a XXXX balance on my card before the fraudulent charges. XXXX XXXX XXXX proceeded to report the card as having been 30, 60, and 90 days past due in XXXX, XXXX and XXXX of 2017. 

In XXXX of 2017 I contacted XXXX XXXX XXXX after the disputed charges had been settle. I asked them to take the incorrect past due reports off my credit file. They agreed that they were mistakenly report and that they would take them off. However, they did not. 

Again in XXXX of 2017 I contacted XXXX XXXXXXXX XXXX for a final time asking them to delete the reports from my credit file. They agreed that they would. Again, they have not.

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 2020-05-21
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
American Express serve has suspended my account onXXXX and denied me access to my account I asked if they could just send me my funds and close the account and was denied as well I was never notified of this but I need my money out of my account and just want to be done with this company I feel they are conducting fraud not just to me Ive seen most people like me that have gotten direct deposit from unemployment have gotten there account suspended and even deleted my online account. I have no access to my money and they will not help me at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are not my accounts. I have submitted my personal documents to depict who I am. Please remove these accounts in its entirety as it's hindering my employment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: Ballybunion Enterprises, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Good Day, I'm submitting this complaint in regards to a account that I had with Freedom Acceptance Corporation which had a balance on the account and was sent to another company called XXXX. The Balance at the time of the Charge off XX/XX/XXXX was XXXX  and when looking on my credit report I was a balance of XXXX. I received as notice from XXXX in XX/XX/XXXX with a balance of XXXX. I contact XXXX on XX/XX/XXXX and talked with a rep that told me my account was back with Freedom Acceptance Corporation. I asked them for a Date they didn't have one. And I then called Freedom Acceptance Corporation and was informed by them that my account was still with XXXX. It's seems that I'm getting the wrap around with what is going. I started making these calls at XXXXXXXX XXXX  P.S.T. on XX/XX/XXXX and still don't have any resolution on where to go next. I have not received a summary judgement from a court or Judaical system stating the balance of 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 2018-02-03
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD
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: Report provided to employer without your written authorization

Complaint:
Chexsystems, Inc obtained and provided my consumer report to a 3rd party without consent on XX/XX/XXXX with information obtained by XXXX XXXX new business membership department with XXXX XXXX XXXX XXXX at the same address. XXXX XXXX sent a notice of adverse action to my job. All three of my credit files has a security freeze with a fraud alert. I did not personally apply for any loans or credit with XXXX XXXX XXXX and/or XXXX XXXX. I reactivated my membership with XXXX XXXX in XX/XX/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 2019-02-27
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
IN ABOUT XXXX OF 2017 XXXX REPORTED A REPOSSESSION TO MY CREDIT WHEN MY BANK ACCOUNT WAS FROZEN FOR A 2 MONTH PERIOD OF TIME DUE TO IDENTITY THEFT. 
THE ACCOUNT ON XXXX WAS PAID AND THEN WRITTEN OFF BY THE COMPANY. THE ACCOUNT SHOULD NO LONGER SHOW ON MY ACCOUNT AND SHOULD BE REMOVED AS IT WAS TAKEN CARE OF.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a WalMart store card for sometime. Paid never late when the card was issued by XXXX XXXX. Capital One then took over the WalMart card. When Capital One set up the new account I made a payment by calling in. I was told my debit card was set up on auto pay and I authorized the monthly minimum payment to be taken from my debit card every month. Well now the statement arrives late in the mall and there have been 5 late fee 's added to my account when the balance should now be XXXX. The account is also closed which I do not care about. The fact remains the statements are received late every month and a late fee added. I have called and was told that the auto pay is not on and that is why the account is receiving a late fee. It is no my fault the mail is extremely slow and or Capital One sends the statement out late in order for late fee 's to be added to the account. The bank should wave these Fee 's. This is not my fault and this account was never late when it was held by XXXXXXXX XXXX and on auto pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: ENCORE CAPITAL GROUP INC.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX of XXXX I decided it was time to repair my credit and buy a house. I had several outstanding credit card collections that needed to be paid off. 
Midland Funding LLC had three of those collections. In order to pay off all my collections I took out a high interest personal loan at the end of XX/XX/XXXX. On XX/XX/XXXX I called every single collection agency on my credit report and paid every one of them with the exception of the one in question. 
On XX/XX/XXXX I paid Midland Funding LLC for 2 of the three collection accounts. 
First one was for {$290.00} and the second was for {$740.00}. 
The 3rd one I couldn't pay, they told me that because it was already entered in a Judgment, they couldn't receive payment. I called every payday from XXXX until the end of XXXX trying to pay this debt and finish my credit repair. Every time I called I was told its still in the legal department and can't make a payment. At this point I was starting to get upset and frustrated with Midland Funding. In early XX/XX/XXXX, I received a letter from the XXXX XXXX XXXX of XXXX County in XXXX Arizona stating the Midland Funding LLC " acknowledges receipt of goods '' and was " a full satisfaction of judgment ''. 
Fast forward to today, XX/XX/XXXX, I am in the middle of a home purchase where escrow closes on XX/XX/XXXX and my lender called me to say Midland Funding is now saying I owe them {$1200.00}. We ( mortgage company and me ) thought that with the letter from the court they would fix this. I argued on the phone with a Midland Funding rep for over an hour. I finally was so upset that I said I would just pay the balance because I need to get this fixed so I can move forward with my home purchase. I was then transferred to XXXX, what they keep calling the legal department at Midland Funding. I explained to the new representative that I just wanted to pay the balance. He looked up my account and then asked " you live in Oregon? '' I said " yes ''. He then proceeds to tell me that he can not accept payment because XXXX is not authorized to collect in Oregon. 
I am making this complaint because it is urgent that this is taken care of or my home purchase could fall through and I already gave my landlord my 30 day notice back on the XXXX of XXXX. I am desperate and have really been trying to pay this for almost a year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are not my accounts. I have submitted my personal documents to depict who I am. Please remove these accounts in its entirety as it's hindering my employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Transunion intentionally refuses to meet compliance with 609 ( a ) ( 2 ) ; ( a ) ( 4 ) ; 611 et. seq. and/or additional FCRA laws, & more importantly violation of the Fair Accurate Credit Transactions Act ( FACT Act ) of 2003 enacted by congress in which its behavior may have risen to either a criminally or civil liabilities claim. 

Repeated requests to provide methods of accuracy & verification used by Transunion pursuant to FCRA 's promulgated statutes, rules, authorities and/or 611et. seq., remains intentionally silent or misdirected and thereby remains non-compliant of FCRA 's authorities to date.

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 2021-01-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am currently trying to purchase a home but mortgage company could not pull Equifax score. I called the Equifax and the rep told me that I had to send request by mail with proof of identification to remove fraud alert. I did this on XX/XX/21. I have been calling to follow up but they give me the run around claiming not to have received the request. After this, I emailed the request and faxed it. As of today after 2 weeks, they are claiming to have not seen my request. Now my home purchase is on hold and Im stuck in a hotel because of them!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: U.S. BANCORP
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My VA loan being serviced by US Bank has had a monthly billing of XXXX for the most recent history, however mysteriously and unannounced but for the month of XX/XX/2018 US Bank change that payment to XXXX. 

I am sure they have a reason for the new bill amount but my issue here is that it went unannounced and as a result causes me to incur a late fee, which I sent in after the payment of the previous payment received on the XX/XX/XXXX of  XXXX. The late fee that I sent in was for {$100.00} which included in gap between the XXXX amounts I sent in and the XXXX new amount due, {$6.00} My payments to U.S. bank are electronic transfers and scheduled by my bank. 

As a whole I have been satisfied with the servicing of the VA loan by US Bank. My concern here is that they not withhold important accounting information like Payment adjustments as a means to manufacture late fees. That would be unethical and corrupt practicing. This has not been my experience with US Bank. Brand and reputation goes a long way today. So I am bringing this to the attention of the bank both as a reminder and a complaint, that they did not provide me with accounting prior to the billing amount change nor forewarn me that a change was imminent. This lack of communication caused my payment to be late ( after the XXXX of the month ) because the amount I sent in before the XXXX did not match the new bill amount and as a consequence I had to send in a late fee plus the gap difference.

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 2022-08-26
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: Information belongs to someone else

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2019-03-12
Company: Experian Information Solutions Inc.
State: PA
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:
On XX/XX/XXXX, I sent a request to the credit bureaus, to investigate five errors that currently appear on my credit file. They were supposed to respond within 30 days. However, 30 days have passed, and I have yet to receive my responses.

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 2020-02-12
Company: Experian Information Solutions Inc.
State: MT
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:
RE : CFPB Complaint # XXXX-XXXX  Experian failed to read the letter attached to the complaint which detailed multiple legal issues regarding the erroneous US Department of Education entries on my credit report. According to their response dated XX/XX/XXXX via Experian report # XXXX, they only addressed a fraudulent collection account which had apparently been removed from my credit report by the time they finally received CFPB Complaint # XXXX-XXXX. 

Consequently, their response was incomplete and has, once again, failed to address all of the dispute issues within the 30 days originally provided to them by me in late XXXX. Exactly how many " chances '' do they receive before they are sanctioned for continuing to violate FCRA and other laws? 

Who had contact with US Department of Education in XX/XX/XXXX I had no such contact with them so they are violating FCRA by posting that as a status date in addition to the fact that both US Department of Education and Experian have repeatedly failed to provide me with any of the legally required evidence proving that those debts belong to me - which they do not. Again, all in direct violation of FCRA and other governing laws. 

It is very important to note the attached XX/XX/XXXX letter about this issue that I sent via USPS Certified mail to Experian which they 100 % failed to answer whatsoever - yet another third-party witness verification - USPS Certified mail delivery confirmation is considered sworn testimony - of their repeated failures to respond within 30 days as prescribed by FCRA and other governing laws. 

I am attaching all available USPS Certified Return receipts from my correspondence directly with Experian in XXXX as well as my recent letters addressed to CFPB about this still-unresolved non-response about the erroneous US Department of Education credit report entries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Opened XXXXXXXX XXXX XXXX Balance {$2300.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX - XXXX XXXX Opened XXXX XXXX XXXX  Balance {$2300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have try to modify my mortgage 5 time since XX/XX/2019 the only thing they offer is short sale or deed in lieu been in a forbearance Plan but there no willing to work with 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 2020-05-19
Company: CITIBANK, N.A.
State: AE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Situation : I commissioned into the XXXX in XXXX of 2017 and in that same month as I have now realized, a family member unknowingly utilized my personal details to create a credit card and leave a balance of {$2400.00}. In that time frame payments were being made on it but then have been stopped in recent months. I have started monitoring my credit history and report for the last 4-5 months and discovered that this credit card had been closed with a balance due to inactivity. I had remembered that this family member briefly mentioned this account after applying for it but did not know what the intentions for the card would be. I did not know whether the account was officially approved nor was there any information provided to me as to whether or not the he/she actually did apply. In the last 2 months, I have asked the bank to conduct an investigation on the fraudulent activity as it has had a negative impact on my credit history. They conducted an internal investigation which they have said can be rebutted but state the following : Since payments on the account were made and I was also an account holder on this joint account, they have concluded that it was not opened fraudulently? However, when I spoke to a representative of the bank, they stated that I would have to provide information to them prior to the investigation being closed out. BLUF, if possible, can the card be removed from my report if I unknowingly had thecard on my report? Lastly, they are requesting payment of the {$2400.00}, of which I spent {$0.00}. Additionally, I have tried to report it to the local police where my family is staying and where the incident occured but have said that they can not conduct an investigation because they can not validate my identity as I am overseas serving the military.

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 2023-07-11
Company: First Technology Federal Credit Union
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I applied credit card with First Tech Credit Union. They turn down my credit application, the reason is I am having {$220000.00} credit available ready to use. My XXXX  score is XXXX, with under {$15000.00} credit debt, {$160000.00} balance mortgage loan. No car loan. I believe this is unfair business practice and discrimination.

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