BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  ; Experian and XXXX are reporting incorrectly a collection in the amount of {$220.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had scheduled a time for XXXX XXXX to come and do the installation however, their technician was a no-show. I immediately contacted customer service with XXXX XXXX and told them that their technician never bothered to show up and never communicated with me why he was a no-show. I cancelled my service and I was told by the representative at XXXX XXXX since their technician failed to show up for his appointment that cancelling would not result in my owing any money on this account and that this account was in fact closed. I did not know that XXXX XXXX had sent me to collections until I obtained a copy of my credit report. This false reporting of a collection is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: GOLDMAN SACHS BANK USA
State: CA
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:
Ive attempted, on multiple occasions ( most recently today XX/XX/22 ), to use Apple Pay to make large purchases online at merchants which accept Apple Pay on their websites. I regularly receive payment not completed errors when attempting to process large transactions online using Apple Pay. When reaching out to Apple/Goldman Sachs they typically recommend using a different payment method ( the actual card info ), however, if that method is used, the purchase no longer qualifies for the 2 % cash back and is only eligible for 1 %. I believe this is likely a systemic issue many Apple Card users are experiencing which prevents them from using the best form of payment on their largest transactions. This is an unfair business practice potentially affecting a significant number of consumers. Please do not hesitate to contact me if you have any comments or questions regarding this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On my credit report is an item from XXXX XXXX XXXX and XXXX XXXX XXXX. In both of these instances I have spoken with the agency and both have assured me they have reached out on my behalf to clear these items from my report. I have disputed these items as well as letting the credit bureaus know that I have reached out. The bureaus continue to come back with these on my report despite the fact the both XXXX XXXX and XXXX XXXX have assured me that they put in the forms to have these removed. This is an unethical practice and needs to be fixed.

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 2021-08-23
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: Personal information incorrect

Complaint:
To Whom It May Concern XXXX  XXXX. XXXX XXXX XXXX, CA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Resident typePost office box THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE SOCIAL VARIATIONS DO NOT BELONG TO ME XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On XX/XX/2021, I started an allotment with Bank of America for {$560.00}, to go to routing number XXXX account number XXXX. This allotment was for the mortgage for my house that I am pay XXXX. The above information was given to me by the associates at XXXX since they do not have the ability to do allotments. I am a XXXX XXXX and the allotment comes out of my pay through XXXX. I have contacted XXXX several times letting them know that the funds was not going into the intended account because my mortgage had not been paid. So we stopped the allotment. The tracer # for this transaction of {$560.00} is XXXX. XXXX has attempted to work with Bank of America to get those funds returned since they did not go to the intended purpose of paying on the mortgage account at XXXX. The last attempt we made was 2 weeks ago and they stated that due to COVID-19, I may not see those funds. To the bank it might not seem like much, but when I had to switch money around for 3 months to cover bills because they refuse to return the funds makes it a hardship on my family.

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 2022-02-19
Company: EQUIFAX, 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:
This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the item, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned item for they were found erroneous and unauthorized. 
XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: Bread Financial Holdings, Inc.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Comenity bank called me and the rep left a voicemail that says I need to call or they will sue me. Comenity bank is now trying to say that is not what the voicemail says. They offered a XXXX credit which I do not accept, and the gentleman by the name of XXXX said they have tried to call me several time and no he called me one time and I have since called and left 3 voicemails to discuss this further that he has not returned. I have saved the voicemail and this is not acceptable. I have had 5 different people listen to the voicemail and we all hear the same thing EXCEPT the creditor does not. Being threatened and then ignored has caused my XXXX to act up as well I have had XXXX XXXX from having to deal with this. I have filed complaints with the AG and BBB as well and I will NOT allow this company to treat me this way. I have attached the voicemail as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
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 this creditor, XXXX XXXX has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. In 15 USC 1681 Section 604 A Section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

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 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I would NOT have too be so stressed out and KEEP going through this if CFPB would DEMAND thise lying XXXX to remove these discharged accounts AT ONCE. But I see that's not happening. I am truly NOT understanding why I have to go through this. I have been through ENOUGH! I completely LOST EVERYTHING and i STILL have to fight to bring my credit report ACCURATE! That is my right as a consumer. To have my credit reporting 100 % accurate ..... 

I want everyone to witness the torture i am being put through. Trans Union is the absolute WORST. Only a few short days after i submitted the last complaint exposing the company ( Trans Union ) of fraudulently and illegally altering details on my credit report and actively reporting on an account discharged in an bankruptcy. The original loan company went out of business AFTER I filed my bankruptcy and which was several years ago. Trans Union never thought anyone would figure out the fraud reporting ring they have going on ...... But I did and will let the courts properly handle all the criminals. 

Days after my last CFPB report this is what I encountered from Trans Union. 
Trans Union retaliated on me as if this is a personal issue. Please see ALL attached evidence.

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 2019-08-30
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was notified that I had a negative report on CFPB. Don't know who or what the report is about.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: ASSOCIATED BANC-CORP
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:
On XXXX XXXX before the end of business day I made a payment over the phone for the first time ever with this Associated Bank I spoke to the representative over the phone, and I was assured I was not going to be late it was on a recorded line. They did their investigation concluded that the representative was incorrect, but the decision remains in that time I did not know that they were going to apply the payment for XXXX because I had 2 days left until the end of the month. I have made similar payments in branch before without a problem and the representative assured me, I would be fine without the company line verbiage that they are trying to communicate telling me the customer that it was not a business day that's their only response That was given to me I was redirected to WE-CARE it was a department that handles the situation they had no compassion for the error they were condescending they belittled me and talked down to and basically told me that's it! after a 3 day investigation in the meantime my score dropped XXXX points and my life is in shambles I have lost of sleep I have never been 30 days late with the company in 4 years. I am ready to go to social media and alert people to not believe what this bank tells you over the phone nothing has been resolved as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: BSI Financial Holdings, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan for XXXX XXXX XXXX XXXX XXXX, CO XXXX was transferred from XXXX XXXX XXXX to BSI Financial Services in XXXX of this year ( XXXX or XXXX ). Prior to the loan being transferred I paid {$57.00} in PMI via the escrow account. Also prior to the loan being transferred, I had submitted in writing to have the PMI removed as the loan to value ( original value ) was below 80 % which was accepted. 

In XXXX I received an escrow summary from BSI with a breakdown of the escrow payments. I immediately noticed that 1 ) PMI was still being charged and 2 ) the PMI per month had increased XXXX to {$230.00} per month. 

Upon noticing this I called BSI on XX/XX/XXXX. I was told the issue was sent to their escrow team and I would hear from them within 3-5 days. I never heard back and sent them a message on XX/XX/XXXX or XXXX. On XX/XX/XXXX I received a message from them that " We have submitted your request to the PMI department. Review may take up to 30 days and final determination will be sent to the mailing address on file. '' I have not heard anything back from them via phone, email or paper mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND ACCOUNTS THAT DONT THAT BELONG TO 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 non-monetary relief
Consumer complaint received 2022-07-05
Company: Experian Information Solutions Inc.
State: FL
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:
I just recently got a hand on my credit report then i realized i have some inquiries that i was not aware of. I've called Experian customer service on XX/XX/XXXX and spoke with XXXX who told me that within XXXX XXXX those inquiries mentioned below would be off of my report. Few days later i check my credit to find out everything still there. Please investigate and delete inquiries from credit report. 
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

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 2021-08-23
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
This is head up that US Bank Vertification informed that I need to give them an complete physical address which is XXXX XXXX XXXX, XXXX  XXXX, XXXX, NY XXXX I have right to choice my mailing address many business and including U.S. Bank uses po box to recieved they mail and I should also I should not be required to apply with another the United States Post Office is an physical address and the United States assigned Zip Code and Zoning in the United States and they treated me and Civilians as establish Immigrant in the United States XXXX Vertification Number select Option 1 Thank you for applying for a Secured Credit Card. 
We received your application on XX/XX/21. Your application ID is XXXX. 

Were in the process of reviewing your application and will notify you as soon as its complete. If you didnt authorize this request, please call us right away at XXXX ( XXXX ). 
Thank you for choosing U.S. Bank. 


Need assistance? 
Schedule an appointment with a banker at your local branch, visit XXXX online at usbank.com or call U.S. Bank XXXX Banking at XXXX ( XXXX ). 
Log in now >

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 2018-06-03
Company: Early Warning Services, LLC
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:
This situation has been going on for since XX/XX/XXXX we are now in XX/XX/XXXX. I have told XXXX XXXX time and time again that someone used my information to apply for a student loan with XXXX XXXX and I found out about it this year XX/XX/XXXX after opening my account with XXXX XXXX. Apparently, because the person who used my identity in applying for a loan also fraudulently used someone elses information as a co-signer, they put a negative record on my Early Warnings Services Report. ( I will attach the letter ) The loan application number appears as an account number but when I contact XXXX XXXX they tell me it is the student loan application which is XXXX. I have filed a report at identitytheft.gov and provided them with the the report and case number XXXX ( I will upload that as well ).  XXXX XXXX is telling me that that is not enough and i need file a police report with my local police department. Mind you this application was done online so that would be of no help at all. I have disputed with early warnings twice and XXXX XXXX seems to keep deeming the information accurate so now I am contacting you guys CFPB to Ask XXXX XXXX to either provide proof that this was me that applied for the student loan fraudulently or remove the negative record from my early warnings report immediately as I am being held accountable illegally. I will be taking further action against XXXX XXXX if I am refused a response.

Company response to consumer: Closed with explanation