BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I was alerted that my XXXX acct. had been changed ( name and address ). After logging in I found several pending charges was placed. After calling XXXX and finding out that it was thru XXXX XXXX. I called my bank @ XXXX XXXX to report it. The bank said they canceled any pending charges and my card. I was told by the bank that a fraud report had been placed and since it was an Unauthorised Use it would take 24-48 hrs for the charges to drop off. Call ended On XX/XX/XXXX I  noticed a {$6.00} had not dropped. I called the bank, told them why I called and was directed to the " Fraud Dept. '' ( not like the first call ). After finding out a fraud report was never logged I was n't a happy camper She then made me feel that I was wrong and as she said " I did n't ask the right questions at the end of the call to insure everything was complete ''! She added " IT 'S ONLY {$6.00}! I was XXXX, asked if we were finished, she replied " If YOU do n't have any more questions. I hung up. I called Back on several occasions only to be placed on hold for a LONG time or misdirected my call till I became frustrated enough to Hang up on the USAA Bank Individual.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: AMERICAN EXPRESS COMPANY
State: AL
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:
American Express is reporting a credit card account that I never applied for. It is said it was opened XX/XX/2014 with a balance of {$5900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-25
Company: Nelnet, 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:
Within the past couple of years I have had so many issues with the student loan servic e Nelnet. It  all began in   XX/XX/XXXX . My family  had already warned me that I needed to make sure that I filed for a deferment, forbearance, or set up a payment plan because the damage that student loans could do to your credit would be a life changing experience. I began begin contacted via mai l in  XX/XX/XXXX  a bout my loan payments and I quickly went off the information needed for a deferment/forbearance and mailed it back to  Nelnet. I nev er received confirmation that I was approved or denied. The letters stopped and I did n't worry.  In  XX/XX/XXXX  I re ceived a letter informing me th at Nelnet was  reporting me to the credit reporting bureaus because I had passed th e 90-day late payment mar k. I immediate had them to send the form and again and filed it out and faxed it while on the phone and asked why I had n't received any letters regarding the end of the deferment/forbearance. At the time I was informed by the phone representative that she did not have access to that information but with the forbearance the late-payments would be removed within a yea r. Since  XX/XX/XXXX , I  have been told that no such " forgiveness '' exists and I have been told that I was contacted in   XX/XX/XXXX  via  email address that was provided by my schoo l in  XX/XX/XXXX . I  asked why would they use an old email instead of contacting me via mail when that had always been my preferred form of communication. I was then told by a supervisor in the dispute department that as my loan service provider they had the authority to communicate with me whatever method that they choose. If I never needed to borrow money for school, I would not be in this situation. I was told that there are no options, I can have automatic payments for years and nothing would ever change on my credit and that it is my responsibility to contact them regularly to check on the status of my loans. He then went on to suggest that I just  XXXX  it up and deal with the damage toy credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted my dispute letters in XXXX and the beginning of XXXX. Both were sent certified mail. I've attached the screenshot showing the exact dates. And, I have a late payment for XXXX XXXX reporting and I was never late. I've contacted XXXX XXXX and XXXX XXXX 's CEO to try to resolve this and it's been more than 30 days. 

I need this account updated ASAP to reflect that my payment isn't late or for the account to be removed totally. 

I also included a XXXX auto account that is not mine, I've granted no permissions for this account to be on my report. This is a violation of my privacy and I want this account to be removed asap!

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 2022-05-04
Company: Bread Financial Holdings, 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: Credit inquiries on your report that you don't recognize

Complaint:
I got 6 credit alerts of new inquiries that i never made. 
XX/XX/XXXX on XXXX XX/XX/XXXX on XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX bank And on XX/XX/XXXX i got a call from a XXXX XXXX representative notifying me that someone tried to purchase something in person using a picture ID with my name. 
I dont know if they made any purchases yet, thats what im trying to see and make the report to avoid any transactions from this stores and future transactions too.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-25
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Escrow Not paying!!!! On XX/XX/XXXX, I sent a secure message to Round Point Mortgage Servicing using their website. When we purchased our home in XXXX, It was actually two parcels that by contract was suppose to be combined into one parcel. However, The county where we live only combines parcels once a year in XXXX. When you paid they tax bill in XXXX, it was not combined yet by the county and only one parcel tax was paid out of escrow. This caused another issue. In XXXX when they went to combine the parcels, they could not do so since one had not been paid. They do not combine parcels when one has a balance due. I called an spoke to a woman at the XXXX County Tax office by the Name of XXXX and she stated that until that amount is paid, that their policy is that it can not be combined. She stated they would speak to Round point Mortgage if they needed more information on this or any other info on the bill that needs to be paid. The number to the XXXX County Tax Office is ( XXXX ) XXXX. Sale Date XX/XX/XXXX Certificate # XXXX Certificate Holder XXXX Interest Rate 12.75 % Original Amount {$210.00} Interest Amount {$10.00} Fees {$6.00} UnPaid Balance {$230.00}XX/XX/XXXX XXXX I also sent messages on XX/XX/XXXX, XX/XX/XXXX, two on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and two onXX/XX/XXXX concerning this matter. ALSO, Now I have learned that my HOMEOWNERS INSURANCE has LAPSED as well!!!!! The payment was not made. I sent secure messages about this matter as well on XX/XX/XXXX. I have NOT RECEIVED any response other than automated stating my message was received. I have also called several times and spoken to various reps. Being told they would look into it and call me back and have this taken care of. No one has done so! I have contacted our lawyer, XXXX XXXX of XXXX XXXX and have made an appointment to speak to her further concerning these two matters and will have her do what is necessary to remedy these issues. WHAT I NEED : 1. tax bill paid for the previous year for parcel not paid and both paid from here on out. 2. The homeowners insurance paid and restored and paid on time from this day forward. 3. Someone to actually contact me back if i have an issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Found out through XXXX XXXX, on my TransUnion report that there was a hard inquiry from XXXX XXXX  on XX/XX/2019 that I did not authorize.

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 2017-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been a customer of the Capital One Union Plus card since XX/XX/XXXX. Since I opened this card, I have submitted all payments through autopayment directly from my bank account and have not had any late payments. 

In XX/XX/XXXX, I was notified by XXXX that my credit score had dropped significantly by 69 points from XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX. I called Capital One customer service and they mentioned that they had done a system upgrade on their website and that the autopayment did not carry over which caused a late payment and a reporting to the credit bureau. I was asked to re-enroll on the new website and reset up the autopayment. 

I do not recall receiving notification of the system upgrade and the need to enroll to reset my information. I just checked the website on https : //unionplus.capitalone.com/ and it states that customers should reenroll to access their accounts, but specifically states that " Payment settings will transfer.Your existing AutoPay information will carry over to the new website. '' This clearly did not happen. I told the customer service agent that I did not receive this information and requested to remove the late payment from my credit report since it was due to a system upgrade that didnt transfer my autopayment details, but they told me that that would not be possible. 

I have been working very hard to build my credit score back up and the 69 point drop seriously impacts my ability to access credit and improve my financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2019-12-31
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: Card was charged for something you did not purchase with the card

Complaint:
what happen was some unknown person or person [ s ] stole over XXXX of my money from my bank of America account.the identity thief seems to have originated from a company call XXXX which I previously brought a item or two in the past. I did not notice these amounts missing since I don't regularly check my account, because I never had this type of thing happen before, since bank of America would text if they suspect something was not quite right about purchases or debit amount, but not in this case. I check my account the XX/XX/XXXX and notice my money was gone. I immediately call bank of America and told them of this breach and I also contacted XXXX about this thief. Bank of America assured me they would investigate this matter and they would give me a temporary credit until investigation was complete. Than shockingly they reverse my temporary credit as they were not sure of the fraud .I been a loyal customer of bank of America for many years and felt like I been victimize twice as if I was some how negligent in the thief of my money. I wish this did not happen since my money is important to my family and bills. I am requesting all moneys be return to my account.

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 2017-02-08
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I contacted company on several occasions to clarify that the debt is n't mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Late fee

Complaint:
My daughter has been paying my credit card every month on the same date. Now all of sudden Capital One post on my online account this Noticed " Oops! Looks like your account is behind. You can easily make a payment now or learn about missed payments. If you recently made a payment, you can check the status. Thanks! " I have call them and ask why all of sudden my payment is so call late when we pay every month the same date. The agent was rude and telling me that I have n't made a payment. But I can show payment are done every month on between date of XX/XX/XXXX to XX/XX/XXXX. We even pay online through their website the so call {$100.00} I was so call late on. Still that Alert on my capital one account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-06
Company: I.C. System, Inc.
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was alerted that I had an account in collections as via a credit monitoring app in XXXX of XXXX. I then reached out the collections agency to find additional information on this debt. ( IC Systems was the agency ). The Debt was owned by XXXX for internet services dating back to XXXX of XXXX. I reached out to ask for verification of the debt XX/XX/XXXX. I was told by the XXXX rep that I would receive a bill via email. 2 weeks later I called again because no bill was received and the rep stated that the bill was too old to be emailed but could be mailed physically. I requested that and waited another 2-3 weeks, still no bill. I  called again early XXXX and was told that the bill was too old to have a statement sent. I then asked that a request be put in to remove the equipment charge because I turned the modem in when I cancelled service. At this time the rep also told me that the reason I never received a final bill is because the final bill was mailed to my address that I moved from. So now I have no proof that the bill is valid and I am also having to put in a request to have an equipment charge removed. I call XXXX back on XX/XX/XXXX and they tell me that the case was closed for the equipment and that the charge for equipment would be removed and reported to the collections agency. I called the collection agency a week later to see if this had taken place and it hadn't. I waited and called again on XX/XX/XXXX and was told ( on a recorded line ) via the collection agency that if I paid the service charges of {$100.00} that the debt would be reported as paid that weekend and that they would hold the equipment charge on their end waiting for verification from XXXX. The rep stated my balance would show as XXXX. This was a lie. Between that date and today ( XX/XX/XXXX ) I have spoken with XXXX  and IC systems at least 4 times each asking why they are not communicating back and forth to clear this from my credit. I wasnt even provided valid proof of the debt but still paid the balance. XXXX  says I owe nothing but IC systems says I still owe {$78.00} for equipment. It has been 60+ days and the agency ( IC Systems ) can not seem to update their system even though the debt is now paid in full. They continue to report the {$78.00} balance to the credit bureaus

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 2022-05-04
Company: Experian Information Solutions Inc.
State: TN
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: Problem with personal statement of dispute

Complaint:
I have a few accounts on my credit report I am questioning the accuracy of a proper investigation being made. I have disputed these accounts on my credit report, they all have come back as verified by XXXX, Experian, and XXXX. XXXX, Experian, XXXX are reporting accounst as verified but the last dates that the accounts was updated or verified was years ago. So if a proper investigation was completed these accounts would have a current date. XXXX, Experian and XXXX has not been truthful in their investigation practices. They are reporting the following incorrect information : XXXX XXXX XXXXXXXX - Date last active - XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX - Date last active - XX/XX/XXXX ( Experian ) XXXX XXXX XXXXXXXX - Date last active - XX/XX/XXXX ( XXXX ) XXXX XXXX - XXXX - Date last active - XX/XX/XXXX ( XXXX ) XXXX XXXX - XXXX - Date last active - XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX - XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - Date last active - XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX - XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - Date last active - XX/XX/XXXX ( XXXX ) How can this be correct with all of these discrepancies? The effect of this type of error is the unfair suppression of your credit score and credit report recovery. This type of credit reporting error, if left unchecked, will cause a negative item to appear on your credit report longer than is legally allowed. I would like to request this error looked into and the listed accounts deleted from my credit report please.

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 2021-07-03
Company: EQUIFAX, INC.
State: PA
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:
Equifax, XXXX  is reporting inquiries XXXX  Banks and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Finance other than personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Banks and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX Banks and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX that are not an obligation of mines and violates my consumer rights 15 usc 1692j, 15 usc 1692c ( b ), 15 usc 1692c-, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 usc 1692b, 15 usc 1681b In order to finish my report you have to have my written consent,

Company response to consumer: Closed with explanation