BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: VA
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 acquired my credit report and asked the credit bureaus to check and make sure that everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited and received my investigation and notice and everything was still the same on the Account name : XXXX XXXX XXXX Account # XXXX The consumer reporting agency which is Equifax did not modify or remove anything. 

The date open is not correct, date last active is not correct and the date of last payment is not correct, also the amount owed is not correct on all XXXX credit reports. Which is a violation. 

This is impacting me from moving forward to buying a house for my family. 

Equifax has violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXXXX, has violated my rights. 


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

15 UL.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
Complaint XXXX failed to address my concerns and issues. I was denied credit after applying for an extension of credit from Capital One on XX/XX/2022, twice on XX/XX/2022 and XX/XX/2022, which are violations of 15 USC 1601, 15 USC 1611 and 15 USC 1691 ( a ) ( 3 ). Credit is my right as a consumer, which means that I can not be denied credit. Inquiries ( both soft and hard ) are proof that a payment ( credit transaction ) has been received by the Federal Reserve that is intended for the consumer. The transaction was already completed after the credit application was fulfilled. Capital One only benefitted from the consumer credit transaction, not me. Clear violations of the above mentioned Federal Statutes that they have strongly denied violating, while also requesting proof, when clearly the inquiry, denial and their response is enough proof that they have violated these Federal Statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: CITIBANK, N.A.
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
WE HAD HAD A BESTBXXXX REPRESENTATIVE AT OUR HOME TO QUOTE US ON APPLIANCES FOR THE HOUSE. THE TOTAL AMOUNT OF THESE APPLIANCES WAS FOR {$8000.00} THE SALES REPRESENTATIVE HAD STATED THAT THEY HAVE A PROMOTIONAL OFFER WITH CITIBANK TO GET 18MONTH 0 % APR INTERESTS ON THE CARD. AFTER A WHILE OF PAYING THE CARD OFF WITHOUT SPENDING WE DECIDED TO PURCHASE A BIG REFRIGERATOR, SINCE WE HAVE 18MONTHS OF NO INTERESTS OR APR ONLY TO FIND OUT THAT THE 0 % APR INTERESTS CHARGED ON THE CARD IS ONLY FOR THE INITIAL PURCHASE AND THAT SEEMS LIKE DOING BUSINESS IN BAD FAITH UNETHICAL AND FALSE ADVERTISING ONLY TO HAVE A CONSUMER SIGN UP FOR A CREDIT CARD. FOR GENERAL REFRENCE I HAVE 3 XXXX CARDS 1 PERSONAL 2 BUISNESS ALL CAME WITH THE 0 % APR AND INTERESTS. A CITI COSTCO CARD ALSO CAME WITH 0 % APR A VISA CARD CAME WITH 0 % APR INTERESTS. SO I KNOW HOW THE ACCOUNT IS SUPPOSED TO WORK I WAS BULLIED AND SCAMMED, LIED INTO A FALSE CONTRACT FOR GAIN.

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 2022-09-21
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
i lost my phone on XXXX XXXX around XXXX in the morning during an XXXX ride home. After i woke up around XXXX XXXX i notice multiple transactions on my XXXX bank account statement. i filed a police report for theft. through out the day i have changed multiple passwords and login information and i put a credit freeze on my credit through the three credit brueros as soon as possible. through the next day i was on the phone with apple, XXXX XXXX and XXXX multiple times. apple had some large charges using my apple pay and other forms of payment. XXXX  had a XXXX dollar request from my XXXX account to be transferred to a XXXX XXXX who i have no idea who this person is. two large payments of XXXX dollars and XXXX dollars where transferred from my XXXX to XXXX and used to make multiple purchases at a XXXX and XXXX. on XXXX XX/XX/XXXX around XXXX i noticed that i actually had an apple credit card created on XXXX XX/XX/XXXX the same day i lost my phone. I DID NOT apply for this credit and I DID NOT make any of these transactions. I have no idea how but the person who has my phone used my identity to open a Apple Credit Card and a Apple Cash card in my name. i am in the process of buying identy protection from XXXX and also working with Apple to correct what has happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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: Card was charged for something you did not purchase with the card

Complaint:
I open the online banking and the Bank Credit card tells me I owe money {$560.00} or something like that and it says my account is closed. Can I sue the Band Of America? 
I called them twice and the said I did not owe money and the account is open.

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 2022-06-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Unable to change and add personal statement.

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 2022-04-25
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently paid off my mortgage with Mr. Cooper ( dba nationstar mortgage ). I was told by the loan representatives I needed to pay a {$25.00} loan payoff processing fee in order to receive a pay off amount to pay off the loan. The pay off amount was supposed to be good for 30 days. So I paid the fee. When I received the the pay off quote, it was tens of thousands of dollars off and only good for one daynot the 30 days as they indicated on their website! Completely inaccurate!! It indicated my pay off amount was {$26000.00}. The actual amount owed was {$1300.00}.

So why was the {$25.00} fee required?

It appears to me that I just needed to overpay the loan and would have been reimbursed the difference.

I have repeatedly asked for a reimbursement of the {$25.00} through written emails to no avail. As a matter fact they stopped responding to my requests. I was misled to believe that this fee needed to be paid in order for the mortgage to be paid off. Additionally I had over-paid the pay off and I have requested an accounting for the difference between the overpayment in the actual amounts. While a check was sent, the details were not shared with me.

I have attached the pay off quote and associated correspondence with the Mr Cooper mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: NCB Management Services Inc.
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Received a call from this collection company on my daughters phone. How they got her number, i have no clue because the original creditor doesnt have her number. XXXX XXXX calls me about my account with XXXX. Now mind you, i have been corresponding with them since I got laid off in XXXX. I end them updates every few weeks to let them know the progress of my unemployment application. I have sent them copies of everything as well as original documentation from my former employer. XXXX XXXX stated they mailed me a letter on XX/XX/XXXX to my current address and I informed him that i never received anything from them. He had all my personal information and stated he was calling to see how i wanted to move forward in resolving this matter. I told him i have been unemployed for 5 months and i am looking for employment. I am behind on my mortgage and other bills so this bill was not my full concern at this time. Securing me a place to stay was more important than this bill. He said i was approved for a " hardship '' application and i asked him for documentation to show the legitimacy of this company, the hardship application etc. He stated he would send me a confirmation email once i set up a payment arrangement. I gave him a pre-paid debit card that i no longer use to see if the company is legit and when i looked up the information, they are known for defrauding people and collecting information once a company sells the debt. I contacted XXXX XXXX company to question them about this and they told me they had sold or settled my account because I have been making payments and corresponding with them as well as giving the legal documentation from unemployment and my former employment. The balance the guy told me was incorrect as well and he even said I have been making timely payments but then everything stopped. Thats where the red flag went up. I have filed complaints with the Ohio Attorney generals office, consumer finance and I am filing a police report as well because they are trying to get over on me and I still havent received a confirmation email or documentation to validate this company and or account and i have not received a contract of anything either. I called our local phone companies to have them blocked and reported this company for harassment since they phished the internet for my daughters phone number. 

I have also alerted all 3 credit bureaus and Consumer internet crimes along with the internet crimes department of the FBI. A company similar to this did this very thing just a few months ago and took everything I had. I refuse to go through this again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
I received a copy of my credit report, to my surprise the bureaus are reporting the account # XXXX INACCURATELY. 

This collection account is reporting not only as OPEN but also shows a INCORRECT balance of across the three bureaus. XXXX has correctly deleted the aaccount at my request, Experian and XXXX have not and are reporting inaccurate information. XXXX shows a balance of {$1900.00} and Experian shows {$1900.00}. 

Also, not only are both Experian and XXXX still reporting inaccurate and incorrect information that XXXX has already rightfully removed, but they show inaccurate date of last activity. Experian reports XX/XX/2022, XXXX reports XX/XX/2022. 

Also, Experian and XXXX both inaccurately report the number of closed accounts. They both report one, while XXXX correctly reports XXXX. The number of derogatory accounts id also inconsistent across the three bureaus. XXXX correctly reports XXXX, while Experian and XXXX report one. 

According to the FCRA, I have the right to an accurate credit report. It also states that reporting this harmful inaccurate information can allow me to sue for damages. 

Please Delete this account ( XXXX ) immediately from my credit report. Please provide me with a copy of my new credit report showing this account deleted upon completion, ( Account Name : XXXX XXXX XXXXXXXX XXXX  ) ( Account Number # XXXX ) Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy, completeness, and deletion of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation Sincerely, 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 explanation
Consumer complaint received 2022-06-07
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXXXX, has violated my rights. 


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

15 UL.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XX/XX/2020, XXXX XXXX started reporting to credit bureaus that I was late. I actually spoke with them doing this time, which they took my monthly credit card bill down for few months but I had let come directly out of account for program people with hardship. I agreed and put my monthly reduce payments on auto pay. In real life I was never late, I tried many times to resolve this issue with them even 2 years ago disputed it with bank statement at that time no resolve to this matter. I would like for incorrect information correct with late payment removed. 


XXXX XXXX XXXX XX/XX/2020 they are reporting that XXXX payment was late on XXXX different student loans I have with them, the loans was in forbearance during that time. I have reach out to XXXX  on different occasion but same result incorrect information. I would like for incorrect lates to be removed from my credit reports, which is very damaging to all 3 of my credit reports trying buy house but incorrect information in my credit report is keeping me from doing so. Please Correct.

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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them 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 non-monetary relief
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting 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 XXXX  Accounts # XXXX, # XXXX, # XXXX has violated 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 1666B : A creditor may not treat a payment on a credit card 63 account under an open end 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 explanation
Consumer complaint received 2023-08-15
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I send money using my XXXX  card to moneygram and I want to get it in my XXXX  account but when I try to cash in XXXX  but I can't take it what should I do tk get the money or its OK to give it back to my XXXX XXXX account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXXXX, has violated my rights. 


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

15 UL.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-06-27
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Good Afternoon. After the complaint placed on XXXX and many phone calls and being on hold today for 2 and half hours with Fed Loan, I have decided to do another complaint. So Fed Loan did upgraded my account to 96 counted payments, but omitted payments that were made on XXXX and XXXX! When I contacted Fed Loan and Spoke to XXXX ID # XXXX she stated that XXXX ( XXXX XXXX XXXX ) is responsible for the miscounted and erroneous information! On XX/XX/XXXX at exactly XXXX p.m., I received a call from XXXX length of call `12 minutes and 14 secs from Fed Loan " specialist ''. The lady was clueless and kept blaming XXXX. Both of the workers from Fed Loan who are labeled as specialist blamed XXXX and stated that my payments, files and information will be send to XXXX for " Payment Count Review '' ... XXXX XXXX also stated that there was a " Payment Count Review '' placed on XX/XX/XXXX! Mind you, I spoke to the Loan Specialist On Monday, XX/XX/XXXX ( so she took ONE WEEK ) to forward the information to XXXX to review counts. Today is XXXX XXXX and NOTHING has been done! I received the same response, We will send information to XXXX for " count review '' ... .Mind you the newly consolidated loans that I have been screenshooting photos of in XXXX are being fully counted and FORGIVEN!!! Why there is not lack of due process is beyond my understanding. To make matter worse, I also received an email on Thursday XXXX XXXX about FED Loan transferring my loans to XXXX XXXX They have time to email, but can't basically count correctly! On a positive note, my counts went up to 94 payments, but unfortunately year XXXX and XXXX were skipped! How does this happens? I do not know, but I want this address. I have been with FED Loan under their consolidation for years and it infuriates me to see newly consolidated loans being forgiven and my account continues to be handle poorly!!! j

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX, I was approved for a line of credit for XXXX XXXX CREDIT CARD SERVICES. XXXX XXXX CREDIT SERVICES failed to clearly disclose my finance charge in the transaction, which is required pursuant to 15 USC 1605. XXXX XXXX CREDIT CARD SERVICES is also ignoring my right to rescind the fraudulent contract they provided me. A credit application or statement is not verification of debt! Verification is disclosing who the original creditor is and Im the original creditor. This is my 2nd attempt to resolve this situation. XX/XX/2021, I order a cease and desist and sent a letter to verify who is the original creditor, but XXXX XXXX CREDIT SERVICES defaulted on the letter. I am the original creditor and consumer. No code in XXXX law states that a consumer must pay a monthly statement or bill. XXXX XXXX CREDIT SERVICES is in violation of 15 USC 1692e for the use of false, deceptive, and misleading information to collect a debt from me the that I dont owe. Monthly statements sent to me from XXXX XXXX CREDIT SEVICES contain positive balances which is false and deceptive. 15 USC 1692b ( 2 ) states that you can not state a consumer owes any debt. Im a consumer and the original creditor who extended the credit to XXXX XXXX CREDIT SERVICES with my credit card in exchange for credit. Also, my card is froze and unauthorized information has been added to my credit report. 15 U.S.C. 1681b ( 2 ) states that consumer reporting agencies shall not report any information unless the consumer gives written instruction to do so. I haven't given any written consent to report anything positive or negative on my consumer report and DEMAND it to be REMOVED 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
Consumer complaint received 2021-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
CAPITAL One Bank show duplicate accounts with the same number on my credit report with an incorrect account status as DEROGATORY. I have contacted Capital One Bank to get this situation correct as of today, Captial One has not provided an update or removed the duplicate accounts.

Company response to consumer: Closed with explanation