BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-31
Company: National Credit Systems,Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have an account on my credit report from a property management company that I am unfairly being charged for. I filed a dispute with credit agency they sent their proof which consists of a lease that is not even in my name and is not with the property as the signer and a bill that they can not verify from the property management company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am on an XXXX Account as primary user with my spouse. I no longer am together with her and want my name removed from the account. She wants to keep the account for herself. USAA is telling me that we have to close the account and she needs to open a new one. She has several bills debit from the account and a direct deposit paycheck that goes to account also.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: EQUIFAX, INC.
State: CO
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:
You are reporting inaccurate information on my credit report. You are still reporting the company XXXX XXXX XXXX on my credit report as that show have been removed immediately due to inaccurate information on my consumer report. Having XXXX XXXX XXXX reporting negative on my account is harming my well being and ability to obtain credit. The company signed a cease and desist letter regarding stopping all communication which includes the advertisement on my credit report. I believe XXXX XXXX XXXX should be removed from my consumer credit report. This is not showing maximum accuracy on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Waiting on the removal of last item on my Transunion 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 explanation
Consumer complaint received 2020-07-15
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have a home loan with Quicken for an investment property. The payment was ~ {$950.00} and for the last 4 years, we have paid {$1000.00} every month, have never been late. 
Last night, my wife checked her credit and saw 2 delinquencies filed for this loan. We called quicken to try to understand what happened, they told us there was an escrow change and our new payment was {$1000.00} - and since we were short {$50.00}, the credit agencies where notified. 
We explained to them we have not received any information regarding a new payment in writing nor any phonecalls. They insisted they mailed us a letter in XXXX ( which we did not receive ) and because we were short by {$50.00}, our mortgage is delinquent. They refused to work with us to fix it - had we known it would have been no problem. 
We are not only now afraid that her credit has dropped by 200 points but we are afraid they will use situations like these to foreclose on properties like this, it is predatory behavior. I have other loans with other companies and no one has treated us this way - especially after a 4 year relationship and especially for a {$50.00} gap which was clearly a communication issue. 

We then found out that Quicken did not change our address in the servicing database from a move 3 years ago even though we called in to make that change AND did a USPS change of address. They confirmed it was mailed to the wrong address but refused to work with us. What's more is that we have had loan applications with them since and confirmed that they did in fact have the most recent address. They didn't tell us the escrow changed, then filed a delinquency record and refused to update it or any late fees for {$100.00}!!! 


This feels illegal and exploitive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-20
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
My identify was stolen and was used to apply to credit cards, loans, cellphone account, and to open two accounts with suntrust bank, see attached images.

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 2020-01-25
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: Information belongs to someone else

Complaint:
The inquiries listed were unauthorized. The accounts listed, are not mine.

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 2023-06-20
Company: EQUIFAX, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name XXXX XXXX is and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-15
Company: Ocwen Financial Corporation
State: MI
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:
We were discharged from our Ch. XXXX Bankruptcy in XX/XX/2020, our mortgage company PHH reported to the credit bureaus in XX/XX/2020 that our mortgage was {$280.00} dollars past due for over 180 days ( which would fall when we were in bankruptcy ), but when they reported this they had not reconciled our mortgage account from the bankruptcy, once they reconciled our account ( XXXX XXXX ) it was current, nothing past due. So Phh mortgage had our money in one of the accounts but had not applied it to where it needed to be before they reported negatively to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: CITIBANK, N.A.
State: CA
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 contacted each company regarding illegally pulled hard inquiry. Each confirmed XXXX sent them my information and no inquiry shouldve been pulled. All inquires still remains, several are doubled 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 2023-06-20
Company: EQUIFAX, INC.
State: PR
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/XXXX I pulled My Equifax report and noticed that it isn't in accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX Account number XXXX XXXX on Equifax XXXX XXXX XXXX XXXX has many inconsistencies. On your report the company name is XXXX XXXX and on XXXX its listed under XXXX XXXX, same open Date however your balance amount says {$5100.00}, amount past due {$14000.00} and the charge off amount is {$5000.00}. Those 3 amounts don't match also your account history states that my last payment was on XX/XX/XXXX however your account history states that I stopped paying on XX/XX/XXXX on XXXX there's a balance of {$14000.00} and it states that I stopped paying XX/XX/XXXX. This account is fraudulent and needs to be removed at once. 

2. Account name : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} written off. According to your records my last payment was on XX/XX/XXXX however the date of 1st delinquency was on XX/XX/XXXX XXXX yrs later, that makes no sense. 

Account name : XXXX XXXX XXXX, Account number : XXXX Date of 1st delinquency was on XX/XX/XXXX, when account was opened on XX/XX/XXXX & 1st delinquency was reported on XX/XX/XXXX. Dates don't coincide. 

XXXX XXXX XXXX opened on XX/XX/XXXX states last payment was on XX/XX/XXXX, 1st delinquency XX/XX/XXXX, 1st delinquency reported XX/XX/XXXX 3 yrs later {$4300.00} charged off. 

These accounts are inaccurate and hurting my credit, I need them removed A.S.A.P.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-09
Company: Allied Collection Services, Inc. (Nevada)
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and breach of information. The information listed below appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft and breach of information.

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 2020-12-04
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Dates : XXXX XXXX, 2020 Amounts : two transactions : {$410.00} and {$6.00} Transactions : " PwP AMERICAN EXPRXXXX IL '' and " PwP AMEXTRAVEL.CO '' I booked two flight tickets on XX/XX/XXXX via the American Express Membership Rewards Travel Portal. All the flight prices displayed on the website were shown in Membership Rewards Points and I have enough Membership Rewards in my account to pay for the tickets. 

After I purchased the tickets, I received a confirmation email showing the amount of points needed and one of my Amex cards were charged with the dollar amount. I called Amex and the service rep assured me that the transaction will be credited by points because it has " PwP '' in the description, meaning " Pay with Points ''. 

However, after waiting patiently for 10 days, the points were never redeemed and credited to my account, I called American Express again. This time, they said that it's because the card that I used isn't in the Membership Rewards program, therefore they were unable to redeem the Membership Rewards points. Apparently, I have two Amex credit cards, one in the MR program, and one isn't. However, when I was booking the tickets, all the pages were showing me MR points instead of dollar amount including the confirmation I received. The service rep understood my concern and said that she will escalate the case and I should call back in 10 business days. 

After 10 business days, I called again and was told that there is nothing they can do. They acknowledged that their website is confusing for consumers, but they are unable to reverse the transaction using points instead of dollar amounts, leaving me having to pay for my bill rather than redeeming the points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-15
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a " potentially negative '' report on my credit report that I have tried to dispute multiple times now and it keeps popping back up. I have contacted XXXX XXXX  XXXX and they assure me the account is paid in full and closed. Yet after each dispute it comes back onto my report. I am trying to secure a mortgage and do NOT need a loan I paid off continually popping up as negative. This is wrong and illegal and harming my credit. Two years now this has been 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 2020-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I filed a complaint thru the CFPB to XXXX XXXX more than 30 days ago and have not received the results. 
Your furnisher has placed in collection on my credit report that I have. Balance of {$270.00} from an XXXX account. I have sent both credit reporting agencies a letter from XXXX stating that I do not owe XXXX any money. I am including in this second complaint the letter from XXXX again. Under the Fair Credit Debit Act the credit reporting agency must report accurately or be fine {$1000.00}. If I owe another furnisher then you must report that furnisher name with the proper Code. 
Your furnisher XXXX XXXX XXXX has no Creditor Code as  explain by XXXX in their letter. 
XXXX XXXX did you read the letter from XXXX stating that I do not have an account with XXXX and that their is no Creditor Code? 
XXXX XXXX it has been over 30 days and you have not corrected your error of the XXXX account why? 
XXXX/XXXX  your reporting a XXXX account that is not mine why? 
Also do the credit reporting agencies bureaus have an obligation to investigate the furnisher that XXXX XXXX XXXX does not have a license to collect and operate in the state of Michigan? 
Do the credit reporting agencies know that XXXX XXXX XXXX lost their license for reporting false debt on seniors? 
XXXX/XXXX did you know the state of Michigan states all seniors must not answer XXXX XXXX XXXX because they are a Scam Debt Collection Agencies to just report them to legal agencies. I agree with the State of Michigan and will not answer them by law and report them. 
XXXX letter states for the credit reporting bureaus to remove XXXX name from my account it is wrongfully to use XXXX when the bank states I did not owe them any money right? 
XXXX/XXXX you are wrongfully using XXXX copyright name to collect a debt that was never owed to them you just want to give a no license debt collector in the state of Michigan free money right? 
XXXX/XXXX  I did not have a debit with XXXX for any debit collector agency to collect so why are you reporting I owe XXXX? 
So if the real debt collector steps up then the senior would have to pay twice and take XXXX/XXXX  to court for reimbursement right? 
The question I have sent again is for XXXX  and XXXX  to answer and not the furnisher? 
The State of Michigan state seniors do not have to answers to the Scams of no license XXXX XXXX XXXX in the state Michigan for seniors just report them to the State of Michigan.

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 2020-07-15
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
On XX/XX/2020, I checked my XXXX XXXX App and saw a hard inquiry initiated by XXXX XXXX. 

I immediately called the bank along with the credit bureaus to dispute the inquiries. The bureaus acknowledged seeing the hard inquiry done on that date above. 

I also added fraudulent alert to all my bureaus for extra protection. Despite my effort, nothing was done on any of these companies ; XXXX and all the 3 credit bureaus I would like you guys to speak on behalf of me to resolve this issue with all the credit bureaus, Equifax, XXXX, and XXXX. 

Thank you in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
First Citizens Bank offers a bonus when a checking and savings account is open, I completed the requirement on XX/XX/XXXX. No bonus yet. 
Well I called today and they insisted I would not be receiving the bonus after all. Very bad bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-12
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have submitted disputes to you, and you took more than the 30 days the law allows. You are now breaking the law. Please investigate my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Collections Acquisition Company, Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The creditor CYBR refuses to remove {$200.00} debt from credit reports after prematurely submitting me to collections. The attached documents show I was an active paying customer when my account was sent to collection in XX/XX/2019. The attach documents also show that I paid my six month contract in full at {$150.00} a month. The credit can be reached using the following contact information. I also attached where the debt was removed from my report and then reappeared. I have also put in complaints with both XXXX and XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX ( XXXX ) XXXX Or Contact XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are a violation of my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
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:
This complaint is my follow -- up to ensure that the disputed items in my file are thoroughly removed. 

Please remove these items for they are fraudulent. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Balance : {$310.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$310.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hello, please remove all fraud alerts from my credit report. Remove the extended fraud alert as well. Remove any fraud alert that is reporting to my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello on XX/XX/2018, there was a hard pull on my credit report from the XXXX dealership, and I've never applied, financed, or leased to get any car from that 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 explanation