BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-24
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:
A person who pays off their credit cards in full every month and does not carry any balances is a much better credit risk than a person who does not have enough money to pay off their credit card balances. 
Here is the problem. Many people use their credit cards for everything they can, say for airline points or convenience. They get their credit card statement and pay the balance in full every month. Or they set up full balance automatic payments. You would think they would be a low credit risk and have a high score. Most of them do have a good credit score but it is lower than it should be.

This is because the credit card companies report the balance at the end of the billing cycle to the credit bureaus. If you had a {$1000.00} balance on your statement and paid it in full the day after your statement cycle closed and then had a {$0.00} balance, you are scored the same as if you were carrying a {$1000.00} balance from cycle to cycle and paying interest.

On the other hand, if you check and pay your balance online two or three days before the statement closing date ( not the payment due date ), your balance will be reported as {$0.00} and your credit utilization ratio will be very low and your credit score will be higher.

I have tested this on my own and found that my score was as much as 15 to 20 points higher.

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 2017-03-07
Company: Ocwen Financial Corporation
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ive attached the original letter that will explain how this started. To explain where we are now ... Ocwen refuses to release the remaining insurance proceeds so we can finish our flooded home and I have a letter from Ocwen stating once we were at 90 % repaired they would release and they will not do so. They received our initial insurance check on XXXX XXXX and after many many many fighting phone calls, and complaint with XXXX and La Attorney Generals office, they release the 1st pymt on XXXX XXXX. We had an inspection in mid XXXX and that came back at 90 %. and yet again not releasing all of the money, only a portion. Also, when this event occurred Ocwen waived our XXXX XXXX and XXXX payments and offered to spread them over 9 months with our 1st payment beginning with our XXXX payment. Our payment amount is XXXX and XXXX goes toward the payments of XXXX XXXX and XXXX ... .they have been reporting us late to the credit bureaus ever since. When I got our local authorities involved they corrected the late payments for XXXX XXXX XXXX and XXXX but are continuing to report us late for XXXX XXXX and now XXXX, sending my credit score down over XXXX points. I would like to receive the remaining {$31000.00} dollars in insurance proceeds released immediately and for them to correct all aspects of my credit file so that my score returns to what it was prior to them reporting incorrectly. Any help is much appreciated. I have attached several docs as reference that supports all that I have spoke about. Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My current mortgage lender is Loancare Servicing Center. In XXXX, XXXX, and XX/XX/XXXX. The company reported consecutive late payments on my mortgage. I was in the process of refinancing my mortgage in order to pay equal equity from the house to my x-wife. I decided not to use the same company. Subsequently, the loan was denied. I attempted to call and speak with Customer Service and they refused to remove the false reports. I hired a Credit Repair company and the late payments were removed. In XXXX I applied with another refi company " XXXX XXXX '' Which offered 1.7 %. In XX/XX/XXXX, I was told that there was another late payment in XXXX reported by Loancare. The payment was late but not over 30 days. The loan was denied. I once again attempted to resolve this issue by providing proof of payment to Loancare. The refused to remove the charge. I am force to hire the Credit Repair company to address this issue. My credit has been destroyed because of the practices of this company and their refusal to resolve the issues in a speedy manner. The late reporting in XXXX, XXXX, and XX/XX/XXXX had a domino effect on my score. The credit limit on my cards was dropped by 10 's of thousands which in turn placed me at 80-90 % credit usage. My score dropped from XXXX to as low at XXXX. Not only has their indiscretion caused me hundreds of thousands of dollars, I am being threatened with losing my Driver 's License and jail time for not abiding by the divorce settlement. Any assistance that can be provided in this matter would be greatly appreciated.

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 2022-07-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act, the XXXX Account number XXXX is violating my rights to accurate information. The account is closed and was consolidated in 2019. The account is listed on my consumer credit report as open and a charge off/collection. The account has been deleted from XXXX. 

The FCRA states that credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: U.S. BANCORP
State: FL
Product: Credit card
Issue: Other

Complaint:
I opened my Club Carlson ( US Bank CC ) in XXXX '14 since friends gave the service and travel perks such high regards. The most important benefit this CC offered was the " Bonus Award Night '' after paying the annual fee and was of such great value to my family and I that we shifted our hotel stays to align with this company. We used this benefit multiple times with no complaints and felt we always received good customer service at all the locations. When I signed up for this card and paid the annual fee I was certain I would be receiving all of the benefits of the personal card for the entire year. But I recently found out they were doing away with the " Bonus Award Night '' as of XXXX and am strongly reconsidering my hotel loyalty due to the abrupt nature of this change and the radical change within the entire awards system. I had been planning future trips around the hotels within the award system but am not so sure if I want to spend the funds knowing another drastic change may be around the corner.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-04
Company: FIRST NATIONAL BANK OF OMAHA
State: NE
Product: Credit card
Issue: Billing disputes

Complaint:
I had a problem with XXXX XXXX XXXX and my issuing bank, First BankCard ( subsidiary of First National Bank of Omaha ) is not responding to requests for further assistance. When I first contacted them XXXX/XXXX/XXXX, they initially denied my case ( XXXX/XXXX/XXXX ) stating payment was due to the merchant for goods or services provided. I called and spoke to a supervisor named XXXX and explained it all to him and he more or less assured me that I could win the case and get my money back. However, on XXXX/XXXX/XXXX, they denied it again for reasons I 'm still not understanding. I mailed another letter XXXX and have yet to hear from them. I then faxed the manager of the department XXXX XXXX on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX and again, I ca n't get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
American Express has failed to resolve this issue after 65 days. 

In XX/XX/XXXX American Express informed me that one of my 2 accounts was overdue, although I have consistently directed payment from my bank account to each of 2 accounts at American Express, one paid {$45.00} on the XXXX of every month and the second paid {$45.00} on the XXXX of every month. There has been no change whatsover in my monthly payment patterns. 

In XX/XX/XXXX I responded to this incorrect accusation by telling American Express in several phone calls that they were erroneously applying one of my 2 account payments to the wrong account. 

Their only response to this complaint was to start denying my current charges on both accounts, including the one where they were accruing payments incorrectly, and where credit must be shown to be available. 

In addition, I have been locked out of my accounts on the American Express website. When I called to demand paper statements via mail on both of my accounts, American Express failed to respond. Accordingly, I have been denied records that can prove my case against American Express ( other than my own bank records, which are very clear ). 

CFPB can examine their records and see that this is not the first time American Express has done this. I made an identical complaint to CFPB in XXXX, as well as in XXXX and in XXXX. 

By my account, this is the 4th time American Express has deliberately allocated payments incorrectly on my 2 accounts, and each time they have acrrued incorrect fees for an extended period of time. 

Either American Express has a serious security problem on my account records, or they are deliberately continuing a lengthy pattern of abuse on my accounts. 

Several times American Express has sent incorrect information to the credit reporting agencies and has been forced to retract. 

I strongly urge CFPB to examine American Express consumer practices and to deny them the opportunity to open new accounts until such time as all cases such as mine have been corrected with full compensation repaid to all consumers filing complaints. 

XXXX XXXX XXXX filed XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was made aware of some accounts on my credit report that do not belong to me today XX/XX/19 when I was denied from getting a loan. I had no idea that these accounts were on my credit since I did not open them nor did I allow anyone to open them in my name. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any purchases or payments towards these accounts. I'm not sure who could have stolen my personal information to open these accounts but I have already filed a police report. I do not have any written or verbal contract with any of these companies and I have never given them permission to run or access my credit 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 non-monetary relief
Consumer complaint received 2015-11-09
Company: U.S. BANCORP
State: OH
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
US Bank ( XXXX XXXX XXXX, XXXX XXXX, OH XXXX ) opened up a credit card without my consent. 
I have contacted the Bank and they have submitted a request to the Credit Bureau to remove my inquiry. I need the bank to take action as soon as possible on this issue

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-16
Company: EQUIFAX, INC.
State: TN
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:
This complaint is about Equifax. I recently pulled my credit report and noticed inquiries and accounts that were not mine. I made a disput on the accounts and iquiries but each and every time i get the run around. I hear well we verified it. I asked how did you verify the information? The response give was we send it to them electronically and they reply back either verified or not. That's it electronically? How are you able to ensure they are telling the trugh? Equifax s response " we take their word for it ''. Wow so anyone can lie and place fraudulent account on anybody 's credit report without actual proof just a word. And we wonder why we have so many issues with identity theft and fraudulent accounts. I made complaint after complaint and i get nothing I have inquiries on my credit report that were not mine. They said call the original creditor which i did. They said call the credit bureaus. So it's a back and forth game between both places. I understand the credit bureaus is here to make money of this kind of stuff but don't turn a blind eye and not investigate the issues just to keep a dollar!!!! 

And stop outsourcing your call centers to overseas where the poeple can barley speak any English and all they do is read a script off the computer screen. That does not help any at all. They are rude and hang up then you have to call back and wait in line all over again. And when asked to get transferred to an agent here in the US they just tell you they can't do that and hang up on you. One representative already said they can not do much over their they can only say what's on the screen. So what is the purpose of that then?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: IN
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:
XXXX a 3rd party reporting agency who is not allowed to furnish any report without my consent ( 15 USC 1681B ) refuses to correct information on my consumer report with regards to an account citizens one auto finance. the account is fraud and i am in dispute with citizens one auto finance so until the matter is completed, XXXX should not report the account. the account was closed/written/charged off in XXXX of XXXX and XXXX has another charge off date as of XX/XX/XXXX, this is largely inaccurate and affecting my score. according to irs publication 4681 a charge off is claimed as income on my tax return so how is it reported as a debt? another inaccuracy! i have no contract with citizens one auto finance making me obligated to perform any duties to them, i have not received the original contract from citizens or XXXX. XXXX has refused to show me how they validated this report - what process was used, employee who handled the process, information that was gathered on the account for the report. 
12 USC 12 & 83- states bank can not loan money so i'm confused on what citizens one auto is speaking of?

15 USC 41 & 1692g- the debt is now officially in dispute, by law all activities must cease until the matter is resolved due to the fraud of this matter i am able to right to recession 12cfr & 226.15 u.c.c. 1-201 & 4 -unathorized signature made without actual, implied, or apparent authority i have not been able to cross examine citizens one auto bank about the matter, i have spoken with representatives of citizens one auto bank but since the representative didn't sign the contract i need to speak directly to citizens one auto bank since that is supposedly has first hand knowledge of the situation, first hand knowledge refers to someone who was the witness and or saw or was in the room with me signing that contract, haven't spoken to anyone.

citizens one auto finance seems to be furninshing false and deceptive forms to make it look like i owe a debt 15 USC 169J 15 USC 1692b ( 2 ) -stating a consumer owes a debt when if fact eh consumer does not

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was denied for bank account/savings account and was told to contact chex systems. Upon contacting chex systems they refused to give me any information and requested my social security number. I do not feel comfortable giving my social and want verification of whatever this maybe. I have never had a hot check in my life. Please provide information that this is me along with verification and validation of whatever this is.

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 2022-07-24
Company: PNC Bank N.A.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
This complaint is in regard to PNC bank in XXXX, NJ XXXX. In XXXX of XXXX, I applied for a loan in the amount of {$3200.00} for a hearing aid XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I spoke to XXXX in person at her desk and told her my XXXX score is about XXXX. She told me that it should not be an issue.She submitted my application online in the bank and it was instantly denied. XXXX told me that she thinks it should be appealed since she feels I should have been approved. She said she will call me on Friday of that week after she spoke to the bank manager. She never did call me ( I found out she called in sick on Friday ). I called XXXX the following week, I believe it was on a Tuesday. She told me that the bank manager would NOT appeal the denied application. I feel that XXXX lied to me and I also feel I am being discriminated against XXXX XXXX XXXX and feel the bank should have legal action taken against them. I am also a XXXX patient. XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I can not accept the fact that I was discriminated against, and they should not be allowed to get away with this. I received a form in the mail a few weeks later from PNC that only has my name and loan number on it. No boxes were checked off. On the top of the form it is titled Loan Expectations and Documentation ( LEAD ) Cover sheet : Personal Unsecured Installment Loan. It does not give me any instructions to do anything and it makes no sense to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am disputing improper service of a legal document Both my wife & I was out shopping on XX/XX/21 which I can provide proof of date & time with receipts. I came home in the evening and noticed on my door there was a copy of a summons & complaint shoved in the crack of my door as if I was served.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
EXPERIAN WILLFUL AND NEGLIGENT NONCOMPLIANCE AGAINST CODE OF FEDERAL REGULATIONS AND FCRA. Experian continues to report a charged off account with a past due balance. I informed Experian in a previous CFPB complaint that the account is inaccurately reporting as " past due as of XX/XX/2021 '' and is continuing to report a past due balance ( please find evidence of account reporting as past due ). Upon further research this account is reporting as a Charged Off status ( please find evidence below ) and according to the Internal Revenue Service, IRS, on their public website www.irs.gov, this canceled debt is considered ordinary income for me. Experian is reporting income on my consumer report. Experian publicly states on their website that income is not included in their consumer reports ( please find Experian stating income is excluded from a consumer report attached ). I am a federally protected consumer and I have a right to privacy and it is Experian 's grave responsibility to respect my right to privacy. Experian has a duty to insure maximum possible accuracy on my consumer report. Experian isn't respecting my right to privacy nor are they insuring maximum possible accuracy on my consumer report by reporting income on my consumer report. Delete account XXXX XXXX Account # XXXX immediately from my consumer 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