BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-24
Company: Experian Information Solutions Inc.
State: MA
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:
XXXX XXXX XXXXXXXX I contacted XXXX XXXX XXXXXXXX to add my daughter has an authorized user. They ended up conducting a hard inquiry on my report without my knowledge. The inquiry was supposed to be for my daughter and it should have never impacted me. If I was told that they would have done a hard inquiry, I would have stopped the transactions. I contacted XXXX XXXX XXXXXXXX, I was told that they are unable to do anything on their side. First, I got frustated because I contacted them at lease on three ocasions. the last time I did, they told me they would add her as a co-borrower ; which is not what I wanted but I went along following their instructions. It turned out that they pulled my credit information and I would not have allowed that because I was trying to fix my credit. I was already a customer in good standing. I don't see why they had to do a hard inquiry. 

XXXX : I wanted to switch my service from XXXX to XXXX. I called XXXX and ask for advice on the proper way to cancel and switch services. I paid all money due. the representative over the phone told me I was all set and to keep using my service up until a specific date. I followed their instructions. Months later, XXXX, claims that I owe them last month service fee but I told them, I called to cancel service your rep advised me to wait. I shouldn't have to pay any more money. I wanted them to investigate the matter. Instead they reported me late with a balance {$140.00} in collection. 
I want this fee waived, and the record to be deleted from my credit report. I keep saying go listen to the recorded convesation. The rep said I was all set and can keep using my phone up until the cancellation 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 non-monetary relief
Consumer complaint received 2018-06-24
Company: EQUIFAX, INC.
State: MA
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:
XXXX XXXX XXXXXXXX I contacted XXXX XXXX XXXXXXXX to add my daughter has an authorized user. They ended up conducting a hard inquiry on my report without my knowledge. The inquiry was supposed to be for my daughter and it should have never impacted me. If I was told that they would have done a hard inquiry, I would have stopped the transactions. I contacted XXXX XXXX XXXXXXXX, I was told that they are unable to do anything on their side. First, I got frustated because I contacted them at lease on three ocasions. the last time I did, they told me they would add her as a co-borrower ; which is not what I wanted but I went along following their instructions. It turned out that they pulled my credit information and I would not have allowed that because I was trying to fix my credit. I was already a customer in good standing. I don't see why they had to do a hard inquiry. 

XXXX : I wanted to switch my service from XXXX to XXXX. I called XXXX and ask for advice on the proper way to cancel and switch services. I paid all money due. the representative over the phone told me I was all set and to keep using my service up until a specific date. I followed their instructions. Months later, XXXX, claims that I owe them last month service fee but I told them, I called to cancel service your rep advised me to wait. I shouldn't have to pay any more money. I wanted them to investigate the matter. Instead they reported me late with a balance {$140.00} in collection. 
I want this fee waived, and the record to be deleted from my credit report. I keep saying go listen to the recorded convesation. The rep said I was all set and can keep using my phone up until the cancellation date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Inaccurate information that doesn't belong to me remains.

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 2020-12-14
Company: EQUIFAX, 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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I recieved a letter XX/XX/XXXX from LoanCare stating they have fixed my problem after I sent in all the correct documentation to you and to them SEVERAL times to them and now when I call to make my payment ... I am not able to do so on their website, no one answers the phone and unless you chose to take a survey the call is dropped. I have been trying to reach them to make my latest payment for this month since XX/XX/XXXX. I have not heard anything back and I tried, phone email and their portal. I got through to someone this morning and made a payment and was told that I am still missing several payments which is NOT TRUE as per my bankstatements and what was worked out hence the XX/XX/XXXX letter. this company is HORRIBLE!!!! I NEED HELP AND I AM GETTING NONE AND THEY ARE TRYING TO TAKE MONEY I DONT HAVE AND I DONT OWE.

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 2018-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 constantly monitor my credit report and noticed that an inquiry from someone unfamiliar is reporting on my credit report and want this information removed immediately. i have also send my complaint to the company as well. XXXX XXXX. it shows that the inquiry was reporting since XX/XX/2018 in which i did not authorize for anyone from this company to pull my credit report or inquire about anything under my social security number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XXXX XXXX XXXXXXXX I contacted XXXX XXXX  XXXX to add my daughter has an authorized user. They ended up conducting a hard inquiry on my report without my knowledge. The inquiry was supposed to be for my daughter and it should have never impacted me. If I was told that they would have done a hard inquiry, I would have stopped the transactions. I contacted XXXX XXXX XXXXXXXX, I was told that they are unable to do anything on their side. First, I got frustated because I contacted them at lease on three ocasions. the last time I did, they told me they would add her as a co-borrower ; which is not what I wanted but I went along following their instructions. It turned out that they pulled my credit information and I would not have allowed that because I was trying to fix my credit. I was already a customer in good standing. I don't see why they had to do a hard inquiry. 

XXXX : I wanted to switch my service from XXXX to XXXX. I called XXXX and ask for advice on the proper way to cancel and switch services. I paid all money due. the representative over the phone told me I was all set and to keep using my service up until a specific date. I followed their instructions. Months later, XXXX, claims that I owe them last month service fee but I told them, I called to cancel service your rep advised me to wait. I shouldn't have to pay any more money. I wanted them to investigate the matter. Instead they reported me late with a balance {$140.00} in collection. 
I want this fee waived, and the record to be deleted from my credit report. I keep saying go listen to the recorded convesation. The rep said I was all set and can keep using my phone up until the cancellation 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 2018-03-14
Company: EQUIFAX, INC.
State: IL
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 have A FRAUD ALERT SET FOR ALL THREE BUREAUS i have for this very reason for fraudulent activity ... ... .. i recently saw a inquiry dated between XX/XX/XXXX/XX/XX/XXXX from XXXX I HAVE NO IDEA WHAT OR WHO THIS IS I HAVE NO KNOWLEDGE OF THIS AND WANT THIS REMOVED FROM MY REPORT AND A NEW REPORT SENT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hello my name is XXXX XXXX XXXX. I am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make any these charges or accounts. I ask that the items be deleted to correct my credit report immediately given the damage its already caused. I also reported the theft of my identity to the Federal Trade Commission and I have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. In addition, I'm currently in Remission so it is very crucial that i have this information corrected immediately. It is also very difficult trying to obtain a suitable financial lifestyle for myself as I've even been denied for simple checking accounts. Please delete the items as soon as possible. 


Thank in advance, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
TD Bank birching signed agreement from the first billing cycle and don't honoring promised discounts. I wasn't aware on actual prime rate published in XXXX XXXX XXXX on or before XX/XX/XXXX. XXXX  I was believed that TD bank and their employees are honest and respectful to own costumers. 
Unfortunately, it wasn't the case. After reading in major medias about prime rate changes and published rate on XXXX XXXX XXXX I find out that TD bank employees were lying and TD bank was over charging my equity line of credit account from day one for additional 0.25 % gaining substantial amount of money during the period from XX/XX/XXXX until now. 
I challenged extra charge on my equity account with TD bank representatives, unfortunately there wasn't understanding and honest approach to correct extra charge on my account. 
With this letter I'm enclosing you fallowing : 1. Copy of HOLOC agreement and disclosure statement. 
Please read page # 2, clausal # 6, explaining 0.50 % discount from published prime rate in XXXX XXXX XXXX. According to XXXX XXXX XXXX published prime rate on XX/XX/2015 was 3.25 % Please see attached copy chart from XXXX XXXXXXXX XXXX prime rate changes. 
Please Read clausal # 7 explaining Relationship discount of 0.25 %. Relationship was established on XX/XX/2015 by opening checking account and this account is active and in good standing. 
According to the agreement my starting calculating rate on balances should be 3.25 minus discounts 0.75 equal 2.5 %. Unfortunately, TD was charging 2.75 % which is higher for 0.25 %. Looking further in every rate change my account is overcharged for 0.25 %. 

2. Copies of TD bank statement : Please see attached statements showing each time when prime rate was changed and published. 
Please compare publish rate and statements which showing discrepancy for 0.25 in every rate change. 
3. Copy of XXXX XXXX XXXX chart for published prime rate change.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
Capital One is reporting an account on my credit report and I disputed the account because I don't think it mine. I asked for validation and is not getting a legitimate response, and it has been over 30 days. 

They keep telling me about a balance but is not sending any valid proof that I am responsible for this account or if I agreed to the charges. 

Account nunumber is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: BARCLAYS BANK DELAWARE
State: CA
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 customer service

Complaint:
Back in XXXX of XXXX, I filed a dispute about a fraudulent charge on my Barclays Arrival World Mastercard. After 4 MONTHS, I received a letter saying the dispute had been reversed, with back up documents consisting of 6 COMPLETELY BLACKED OUT PAGES. When I called about this, the dispute department investigated, apologized profusely, and said they would re-send legible notes. It took several more calls to get them to do so, and when they did, I found the documentation ( from the merchant, a hotel ) to be full of inaccuracies and misstatements. When I immediately called to tell them this, I was informed that the case was now closed due to the amount of time that had passed! 
After several attempts to reopen the dispute, I finally gave up. ( I ultimately got all my money back from the merchant myself, with no help from Barclays. ) Following this, beginning in XX/XX/XXXX, each of my monthly statements contained errors, necessitating numerous phone calls to customer service to correct them. On XX/XX/XXXX, agent " XXXX '' ( id # XXXX  ) told me my balance was " XXXX. '' On XX/XX/XXXX, I had an extremely lengthy conversation with " XXXX '' ( id # XXXX  ) during which we went over all my balances and payments over the preceding 4 months, and the end of which, it was determined that my final, total balance was {$630.00}. After confirming our conversation was being recorded, I had him reiterate the balance, and confirm that after payment, my balance would be XXXX, which he did. I immediately paid the final balance, and closed the account. 
Even though there were no outstanding charges on the account, I've continued to received statements with outstanding balances, necessitating further phone calls each month, to no avail. Finally, on XX/XX/XXXX, I spoke to XXXX XXXX, an Exectuvie Assistant Speicalist in the Office of the President. She said she would retrieve the recorded conversation from XX/XX/XXXX and get back to me. Instead I received a form letter, simply telling me that " all charges were legitimate. '' I was never able to speak to Ms. XXXX again, despite leaving numerous messages. On XX/XX/XXXX, I received a voice message from XXXX XXXX, asking me to call her back. However, she never left an extension, and I received no response to 3 separate voicemails left in the general mailbox. On XX/XX/XXXX, I received a voicemail from XXXX XXXX, who did leave an extension. To date, I have left MsXXXX XXXX a total of 4 voicemails. She has never returned any of them. 
I am still being charged monthly for this closed account, with ever-mounting late-fees and interest charges.

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 2018-05-14
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
{ Credit Bureau : Experian, XXXX } { Credit Bureau : Address { XX/XX/XXXX } RE :  Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made. 

I contacted [ 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 ], who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into [ [ 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 ] inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter, { XXXX XXXX } XXXX XXXX XXXX XXXX XXXX CA 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 non-monetary relief
Consumer complaint received 2020-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2020, my card information was accessed without my knowledge. They made a withdrawal for {$800.00} dollars at XXXX XXXX and a {$1000.00} purchase at XXXX. Monday XX/XX/2020, I log into my mobile banking app to find out about these transactions. I immediately contact my bank and file a claim for these transactions. Since then, the {$800.00} transaction from XXXX XXXX has been credited back to my account but under review the {$1000.00} purchase is not considered fraudulent to them. I am asking for help considering the fact that I did not make any of those transactions myself. I am writing a letter to my bank for them to reconsider my claim and look into it once more. That bank is, Bank of America and my claim ID # is, XXXX. Thank you and I would really appreciate if anyone could help me out with this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-23
Company: Medical-Dental-Hospital Bureau of San Antonio
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
tried via mail on XX/XX/2018 and phone calls XX/XX/2018 to contact XXXX XXXX XXXX XXXX in XXXX XXXX with no results. No return information for me to verify and no account found. I check my XXXX credit report and a derogatory mark for {$170.00} is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: Atlanticus Services Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Aspire credit card company. 

I applied credit card. Few weeks later.on XX/XX/XXXX I got email that card was activated. I never did that so I called credit card company immediately to report someone activated the card. 
Next day and every day I get email that someone use the card. Everydtime when I get email I call them to report whats going on. 
My XXXX time call to credit card company. The representative tells me card was activated on XXXX and I reported stolen card on XXXX. 

My job was done when I report on XXXX Im not responsible for the mistake for ignoring or intentionally ignoring the necessary job. 

I called everyday since XXXX I am very surprise how dirty way to try to earn innocent customers money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This credit reporting agency has stated that the following accounts XXXX # XXXX first late payment was XX/XX/XXXX and XXXX  # XXXX first late payment was XX/XX/XXXX are accurate and verified after they did an investigation to verify the ALL The information was correct. however these accounts are passed the 7 years allowed for reporting on the credit report and therefore must be deleted. This inaccuracy has caused me to be declined for a new car loan. 
I have attached XXXX response showing that they have deleted BOTH accounts after they did do a proper investigation and I am requesting the this reporting agency do the same immediately.

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