BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-12
Company: Experian Information Solutions Inc.
State: NV
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:
On all 3 credit bureaus a 120 day late report is on there last reported XX/XX/XXXX through XXXX. One bureau said last reported XX/XX/XXXX. The acct number only reveals ***XXXX. I was given number to XXXX  and through all departments they do not have any information associated with my social security number.

I am unsure if this is an old account or if its fraud but i am unfamiliar with any accounts through XXXX.

Please 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 non-monetary relief
Consumer complaint received 2020-05-12
Company: Experian Information Solutions Inc.
State: NJ
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:
ACCT XXXX # XXXX LATE TRADELINE MARKS. REMOVE THEM ALL " NEVER 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 2021-09-09
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Disputed Bankruptcy came back verified from Experian. 

US Bankruptcy courts state they do not provide anyone ( including credit bureaus ) any information.

Congress states an investigation consists of interviews with associates, neighbors and friends.

Experian did not do a proper investigation therefore how could this bankruptcy thats on my file be 100 % accurate and verified as the FCRA states it must be?

My consumers rights to fairness, accuracy and privacy are being violated.

Unrebutted Affidavit also attached and serves as Truth.

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 2019-04-02
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I got a call out of the blue saying that we were late on a payment. Called my wife and found out we were. So we paid two payments that month. Then a couple months late the same thing happened but we hadnt missed any payments. But in trying to keep late payments off my credit we paid two payments that month. Now this is the 3rd time this has happened and shows we are two payments behind still. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have two credit cards with Capital One since XXXX and Have been charged {$63.00} on XX/XX/XXXX, for interest charges on a XXXX XXXX card ending in XXXX which has a balance of {$3000.00} and also i have been charged {$23.00} on XX/XX/XXXX for interest charges on XXXX XXXX ending in XXXX which has a balance of {$1500.00}. I called the customer service line XXXX-XXXX-XXXX-XXXX  as their website does not have the ability to dispute interest charges or communicate online with customer service. I spoke to Manager/Supervisor XXXX ID # XXXX and she stated there was nothing she could do to reduce this high interest rate even though i have an excellent payment record and excellent credit history the interest rate of approximately 22 % on both cards. I advised that i would be filing a complaint with the CFPB an agency of the Federal Government. I consider these interest rate practices predatory and would appreciate a review of this practice from the inception of my credit cards in XXXX and am requesting a refund of all this excessive interest they have been charging on these cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: Security National Financial Corp
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2019 my husband and I signed a contract to close on a home on XX/XX/2019. We had been pre-approved by the lender ( SecurityNational Mortgage Co. ), signed and submitted all documentation needed to process our file, and made all payments to include : earnest money ( {$2400.00} ), appraisal fee ( {$620.00} ), option fee ( {$100.00} ), and home inspection fee ( {$320.00} ). On XX/XX/2019 at approximately XXXX XXXX, I received a text message from my loan officer stating " Hi XXXX- I am working on this but at this point your closing is going to be delayed. I am sorry to share the news, buy, I'm working hard to still get you to the finish line. Question : do either you or XXX have a family member that has a credit card that the two of you could be added as an authorized signers to in an effort to quickly generate a credit score for XXX ''. We were never told we were " denied '' what the cause of delayed closing was, and what are next steps were. We wasted over {$3500.00} of our money for this mess to happen and not only are we owed an explanation but we want our money back. I have all the emails and text messages that clearly state we are " good '', " on track '', " moving forward '' then a day before closing everything comes tumbling down and we are left in the dark. The loan office won't even give my realtor information as to what happened and why. I feel this could have all been prevented but the loan officer was on a weeks vacation the week of my closing and she did not properly handle her part.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX and Transunion are reporting incorrectly that I am 60 days past due on the XXXX XXXX - partial account number XXXX. ( Please see page 2 of the attached credit report ). This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: CITIBANK, N.A.
State: TX
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:
I AM XXXX XXXX. I XXXX XXXX XXXX  AND IF A PERSON AT CITI CARD DOES NOT REMOVE THE HEADSETS OR IS OVERSEAS, I BARELY UNDERSTAND A THING. I HAVE MADE THIS VERY WELL KNOWN TO CITI CARD AND OFTEN STILL HAVE GOTTEN FOUGHT WITH AND HUNG UP ON WHEN I ASK FOR A PERSON ON A HAND HELD PHONE AND A SUPERVISOR.

CITI CARD HAS MADE SEVERAL ERRORS ON MY DISPUTES TOO AND I HAVE HAD TO CALL SEVERAL TIMES DUE TO ERRORS DONE BY THEIR STAFF TO HAVE THIS FIXED.

MY CARD WAS CLOSED UNEXPECTABLY AND CAN YOU ONLY IMAGINE IF I WAS OUT OF TOWN, HOW DANGEROUS THIS COULD HAVE BEEN AND I WOULD NOT BE ABLE TO GET HOME AND I AM TOO XXXX  TO CALL ON A CELL PHONE AS I COULD NEVER HEAR.

I WAS AT CENTRAL MARKET BUYING GROCERIES WHEN THIS OCCURED AND I WAS TOTALLY PUT TO SHAME AND EMBARRASSED TO THE EXTREEME.

I HAVE BEEN A CUSTOMER FOR YEARS AND TO BE BLAMED FOR LYING ON A DISPUTE IS SO MADENIG AS IT WAS ME, WHO CALLED, WHEN THE MISTAKES WERE MADE BY CITI AND NOT BY ME.

XXXX  FROM CITI CALLED ME YESTERDAY AND TOLD ME THAT IT IS POSSIBLE THAT CITI IS WRONG ON ALL THIS AND THAT MOST LIKELY THEY WILL RE OPEN MY CARD DUE TO THEM AND NOT ME.

I CALLED AND LEFT XXXX A NICE MESSAGE ON THIS MATTER AND I BELIEVE SHE WAS ALREADY GONE.

XXXX  TOLD ME TO GIVE HER SOME TIME TO CHECK ON THIS AND SHE TOO SAID THAT IT IS VERY POSSIBLE THAT IT WAS JUST A CARELESS ERROR ON THE PART OF CITI CARD.

I AM SO UPSET OVER THIS FOR SURE.

CITI HAS REALLY BEEN WRONG ON THIS.

AT XXXX   IT WAS A MESS AS THE VENDORS REALLY MADE SO MANY ERRORS AND I DID HAVE TO CALL CITI TO GET THIS FIXED.

I ALSO HAD MY HAIR RUINED IN XX/XX/XXXX. I WAS VERY HONEST ON ALL MY DISPUTES.

I STILL FEEL THAT CITI CARD CLOSED MY CARD DUE TO MY HORRIBLE HEARING. THEY WILL NOT JUST COME OUT AND SAY SO, BUT I AM SURE THIS WAS THEIR WAY OF WANTING TO FIND A WAY TO GET RID OF ME.

I WILL GIVE XXXX   A CHANCE TO MAKE THIS HORRIBLE ERROR RIGHT. I WILL SEE IF THEY DO AND IF THEY ACTUALLY DO ADMIT THAT WHAT THEY DID WAS WRONG. I BELEVE THEY WILL FIND THAT THEY DID WRONG AND WILL RE OPEN MY CARD.

I WAS TOLD TO PUT ALL IN WRITING. I AM TOTALLY XXXX  AND MY DOCTORS HAVE MORE THAN ONCE THAT HAVING TO PUT STUFF IN WRITING CREATES A HUGE STRESS ON A XXXX   PERSON AND I AM NOT TO GO INTO IT AS I HAVE XXXX  THAT CLEARLY STATE THIS SHOULD NEVER BE DONE.

TO MAKE A PERSON WHO IS XXXX AND HARD OR HEARING AND WHO HAS OTHER XXXX SUCH A XXXX AND MORE, THIS IS VERY CRUEL.

LIKE I STATED EARLIER, PRAISE THE LORD I WAS NOT OUT OF TOWN AND NOT ABLE TO GET HOME.

I HAD NO WARNING OR A THING. THIS WAS VERY CRUEL.

TO BE ACCUSED OF LYING, WHICH, I NEVER ONCE DID, IS VERY NASTY. I WAS THE ONE WHO CALLED WHEN THE KIDS MADE THE ERRORS TO MAKE IT RIGHT. CITI IS SO WRONG ON THIS. I HOPE THEY OPEN THE CARD AND MAKE THIS RIGHT.

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 2019-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I met the spending requirements for a new card bonus ( Savor ) within the time required, counting the time I actually had the card. However, it was not '3 months from signing up ' as the card didn't get to me until a month after I signed up. I also had to get a second card along the way because of a ( false positive ) fraud alarm. In summary, I spent more than double the minimum spend requirement within 3 months of having the card in my possession, but it was 3 months and a few weeks since signing up online. 

First week of XXXX : I called customer service about the issue. ( I thought they resolved it, but they didn't ). I asked to speak to a manager, they were unable to resolve and told me I was speaking to the most senior person in the company I could talk to on the phone. 

XX/XX/XXXX : Emailed CEO XXXX XXXX and XXXX XXXX, Head of Card Services XX/XX/XXXX : Followed up with above after no response. 

XX/XX/XXXX : Emailed XXXX XXXX ( President, Financial services ) and XXXX XXXX ( President, Retail & Direct Bank ) with CC to XXXX XXXX XXXX Still zero responses ( from anyone ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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:
Bank of America is still reporting an account that should have expired ( 7 year rule ). 
They refuse to fix the problem and continue to report account that should be deleted.

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 2021-04-09
Company: Sterling Infosystems Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
I received a check from CFPB and its outdated. And now considered VOID, can I have another one issued

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 2019-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX and Transunion are reporting incorrectly that I am 60 days past due on the XXXX XXXX - partial account number XXXX. ( Please see page 7 of the attached credit report ). This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
pursuant to 15 usc 1681a ( d ) ( 2 ) ( a ) ( i ) Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate whether or not it factually took place can be categorized as a transaction that took place between the consumer and the person making the report. This means it should not be included in my consumer report and in fact, is a violation of my consumer rights

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 2019-04-02
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Hello, I have a Home Depot Credit card ( Citibank ) XX/XX/XXXX I contacted Home Depot after losing my job to explain I needed some assistance and hardship to be able to pay this bill which at the time was a little over XXXX. With some other bills I had my husband and I worked most of them out that I had but Home Depot was very nice to me and advised they have a program I could be in that would automatically withdraw XXXX a month interest free for 52 month. I could pay more but nothing else would be added. So after discussing this with my husband we decided to go that direction with Home Depot. 
I called them back to accept this offer and nothing more was said to me I was in the program. For some reason I stopped getting emails from Home Depot so I called and they mailed statements out. I advised I really wanted them emailed so after that I received nothing however every XX/XX/XXXX they took out XXXX from my account. My husband decided we wanted to start getting more aggressive with paying this off so I called to confirm the balance and to get the monthly charged increased and where we found out they had charged over XXXX in interest since then. I spoke to many supervisors for over a week and they advised there was nothing they could do that was the agreement. This is insane I kept explaining and no one will do anything for me I would have never agreed to this. I was told they told me when I started the program the promotions had to be paid or interest would have been charged. I advised that was NEVER stated in the agreement and they needed to listen to the conversations I had with the agents that I spoke to. They advised they didn't have to because they tell everyone this if getting into a program. If I would have known this I would have confirmed how much had to be paid before the promotions were up and focused on paying that until it was paid. I am so upset about this because this program is a scam to collect more money from the consumer. I am also writing to the Better Business Bureau as well. I hope someone can help me get this resolved I have written to Home Depot with my concerns but they really don't seem to care at all! 

My name is XXXX XXXX address XXXX XXXX XXXX XXXX XXXX OH XXXX CELL # XXXX Email 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 2018-03-24
Company: Netspend Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
Netspend sent me an unsolicited prepaid XXXX. The document and card are misleading. I thought this was related to an irs scam as this is tax season and a common problem. Ultimately this looks like an elaborate and purposefully misleading ad. But that doesn't change the fact I spent hours trying to understand what is going on and that I needed to call to cancel the card I never asked for. This is ethically wrong if not illegal.

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 2019-04-02
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:
Hi My name Is XXXX. I have been a victim of fraud as I did authorize a lot of things being shown on my account. I have tried calling XXXX countless times as well as the credit card companies themselves and they just don't seem to get it.

I was unaware as nothing was being send to my address. I don't know if a person was using my old information. All I know is I have been building my credit and it's saying I have all these Inquiry 's that I never did. I am unaware of. I never authorized.

I am hoping that you guys can remove the following credit inquiry 's from my report as soon as possible as a courtesy as I am a victim. I have no problem proving who I am. I just want this fixed as you can understand it is hurting my credit. I have done nothing wrong. 

On Transunion It Is Saying I applied for XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX both are fraud and I never signed or authorized anything. 

On XXXX It Is Saying I applied For XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX all of which I have no idea and did not authorize anyone to make any inquiry 's. I have never seen these cards. Someone Is/Was trying to steal my information. I have sent an attachment of all the inaccurate information that I can see on my 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 explanation
Consumer complaint received 2021-04-09
Company: EQUIFAX, INC.
State: NM
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX I sent a certified letter disputing information on my credit report on XX/XX/XXXX it was delivered by certified mail and I have not received a response to that letter nor has an investigation been open. I called today XX/XX/2021 and spoke to a representative in the fraud department and she informed me that they could not remove the information that was being reported Falsely on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Good morning, I am writing because my credit report is showing my credit history to be four months old. It does not show any past mortgage payments or home equity loan payments or accounts. Both are close now, but should be represented on my account for ten years. I have called repeatedly, only to be transferred from one associate to another, none of whom have spoken to each other, causing me to restart the process each time I have asked for a supervisor, with seemingly no greater knowledge or access to the information or remedy than the associate. This has caused me to be denied by creditors, despite them acknowledging my credit worthiness. Additional documents, and email correspondences to be forwarded at the convenience of the CFPB.

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 2021-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX XXXX XXXXXXXX. 
Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : Account Name : XXXX  Account Number : XXXX Account was opened : XXXX XXXX, XXXX Account BalanceXXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$9400.00}

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