BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 asked for a credit limit increase for one of my credit cards today XX/XX/20 and I was told they were not able to give me a credit limit increase at this moment because I had negative credit history. I got a copy of my credit report because I wasn't sure what negative history they were talking about and I saw two charged off accounts on my report ; One from XXXX XXXX and one from XXXX XXXX Auto finance. These accounts do not belong to me and I never gave anyone permission to open them in my name. I do not have a written/verbal contract with either of these companies and I did not benefit anything from these accounts that were opened on my behalf without my permission nor did I ever make payments toward these accounts. I filed a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

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 2017-03-16
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/XXXX I paid the first payment of my new mortgage on line. I then set up for auto pay and they immediately deducted the second payment on XX/XX/XXXX. When I realized what had happened I called Roundpoint Mortgage Services Corp. on Monday XX/XX/XXXX and spoke to someone in customer service who said that the credit will be applied to my account in a day or two. Today, XX/XX/XXXX I called and was told that it had to be processed and a check would be sent out on XX/XX/XXXX. I explained that this would not be sufficient as I had already waited several days. I was put on hold twice for 20 minutes waiting for a manager that never appeared so I finally hung up. I called back again and got another story and the check is still not going out and I will still have to wait for it. I again was put on hold for a manager. After 15 minutes I was told a manager would call me back. customer service is in the Philippines.

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 2022-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This has happened on two occasions. XXXX as reporting an incorrect balance and multiple updates within a month on my credit file with XXXX, XXXX and Transunion. My last statement date is XX/XX/XXXX with a balance of XXXX. Since this date I had two purchases ( XXXX {$18.00} and XX/XX/XXXX {$780.00} ) and a payment of {$380.00} on XX/XX/XXXX. On XX/XX/XXXX, during the same reporting period and not the end of the period XXXX erroneously reported a balance of {$830.00} to my credit file with XXXX, XXXX and Transunion showing an 83 % utilization rate. I contacted an Account XXXX and she told me, any time you make a purchase XXXX will report it to the Credit Bureaus and I stated if that is the case why isn't the same thing done when I make a payment. If that was done the reporting would of indicated a balance of {$450.00} vice {$830.00} and a 45 % utilization rate. Additionally, she advised me the balance will update on XXXX which is the statement date. So this week I have to live with this erroneous 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 2022-01-30
Company: MoneyLion Inc.
State: NJ
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 have been an active responsible member of money lion since XX/XX/2019. Since then I have paid off 4 successful personal loans one of them being the personal loan they have marked as payment status derogatory and charged off as ifI never paid the loan but I did and have evidence I will be attaching on here. 

Since then they have approved me for several personal loans that I have made right, made payments on time and paid back all of my loans. I have repeatedly reached out for them to make this inaccurate report right because it's affecting my credit score when it should be helping me. 

Not only that but it's also making harder to get approved for other loans and higher interest rate that would help me further my life because I have shown through my payments and my continuous loans they have given me that I can be trusted, I am responsible however this inaccurate report does say that and its affecting my self esteem in feeling like I can help my family being a co-signer on auto loans that would help them out but this stopping me from even helping my family and that really hurts me emotionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: DE
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 the accordance with the fair credit reporting act XXXX XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1581 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Carrington Mortgage services changed their payment address for bankruptcy accounts and did not inform their customers. I never received notice that my payment would not be received. When trying to understand why they did not contact me, all I received was the statement " because of the bankruptcy ''. This is an unfair practice and has exposed me to fees and possible failure to submit payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: WELLS FARGO & COMPANY
State: CA
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:
I applied for a secured credit card in 2018. Received a credit card in the amount I put down. After the first year showing I can manage my credit well, I have received my funds back and was issued a normal credit card for use with the same credit limit when opened. Since, I have been using this card regularly and have paid it off many times. It's been over three years and I haven't received an increase in my credit line. The brochure said I will undergo many account reviews ; and depending on my credit card behavior, I will get an increase to help build up my credit profile. Nothing has taken place and I feel I was misleadXXXX XXXX  needs to understand that I opened this account before they discontinued their secured credit card. They have not lived up to their promise. Moreover, I refuse to ask for a credit line increase since asking means XXXX will have to run my credit. Again I was promised during my account reviews I would be eligible for increases based on my good credit card management.

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 2015-09-02
Company: BQ & Associates, P.C., L.L.O.
State: NE
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I was paid an odd amount from my employer. Initially confused, i reported to work and check my paycheck stub online. There i discovered that there was a case filed and a wage garnishment had occurred. Checking my spam mailbox i see a message from payroll explaining the deduction. At this point, I knew something was amiss. I have recently discovered how to keep track of my credit online. to my dismay there are several instances on my credit report that are erroneous. The company in question has since removed the item from my credit report " XXXX '' after i filed a dispute on the credit item. They have since re-added this information. This is regards to a bank account closed in 2009. I also live in nebraksa where Nebraska Revised Statute XXXX stipulates a 5year SoL on written contracts. I do not understatnd why now of all times to pusue the debt or the errant disregard of the statutes of the state of Nebraska. I have not been contacted in any way by this company to date and have just acquired their phone number from our payroll department

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: Experian Information Solutions Inc.
State: GA
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 account owned by XXXX CARD, Account # XXXX is a credit card that was opened fraudulently and disputed. They refuse to remove the account from Experian and after directly sending them documentation and disputes via certifies USPS they have not responded in a timely manner. I have sent them numerous disputes containing my identifying information as well as details of my dispute and i continually get a generic response of them requesting I send documents that were INCLUDED in each of my letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: EQUIFAX, INC.
State: GA
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/XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX  XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX/XXXX  Card XX/XX/XXXX, XXXX  XXXX   XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX   XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX reported to Equifax that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: FACTUAL DATA CORP.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Factual Data and XXXX put XXXX Hard Inquiries on my credit Report. My understanding is if you apply for a mortgage with multiple companies within a month, there should not be multiple inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: U.S. BANCORP
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: Account status incorrect

Complaint:
U.S Bank reported our credit card account 30 days late on XX/XX/XXXX and 60 days late XX/XX/XXXX. There was an ongoing error with their mobile application which would state a {$0.00} payment before the due date. 

Same problem happened with our Equity line of credit in XX/XX/XXXX, which we disputed and U.S Bank acknowledged the error produced by the mobile application and agreed to remove the 30 day late remark. 

Attached is a letter from U.S Bank confirming the mobile application error which also affected our credit card account XX/XX/XXXX and XX/XX/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 2022-01-30
Company: EQUIFAX, INC.
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:
I AM A VICTIM OF IDENTITY THEFT.SOMEONE STOLE MY IDENTITY. ITS CAUSING ME SO MUCH HARDSHIP. I HAVE BEEN TRYING TO BUY A HOUSE AND THESE FRAUDULENT ACCOUNTS ARE CAUSING ME A HARDSHIP. PLEASE REMOVE THESE ACCOUNTS FROM MY PROFILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: Valor Intelligent Processing, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of XXXX, I paid off my devices ( XXXX and XXXX XXXX ) and switched from XXXX post pay to XXXX prepay. The XXXX Representative failed to completely close my Postpay account before opening my prepay account so the system automatically billed me till XXXX XXXX. I had been on Prepay for over 6 months when the account closed. I would really appreciate it if this account would be closed and removed from my credit report it has literally stopped my from buying a home and has caused serious detriment to my credit and my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Capital One is refusing to close my 360 savings account, and is still sitting on my funds. I first wrote to Capital One requesting account closure back on XX/XX/XXXX. Capital One has dragged its feet ever since, holding my account open against my express written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I 've contacted Equifax, XXXX, XXXX, & Creditors listed below regarding credit inquiries on my credit report that I do not approve. However, I 've contacted Equifax, XXXX, XXXX & All Creditors onXX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX via mail, fax, certified mail, & phone. I also mailed out certified letters to all companies.No actions were taken. 

HARD INQUIRIES DATES XXXX XXXXlXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX Off Lease Only XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Today I called in to simply close my citi credit card account ( which has been paid off and now with XXXX balance since weeks ago ), but instead I had to spend XXXX mins on the phone with XXXX agents. The XXXX agent asked me a set of questions, and then she insisted to transfer me to the other agent. The XXXX agent ( Name : XXXX, agent id : XXXX ) asked me the same set of questions again plus a few more questions, but he refused to listen to my request ( ie. close my account ), and he stated citi ca n't close my account unless I cooperate with him to answer all the questions he asked and in the exact format he needed including some personal questions about my business. When I said I was not comfortable sharing that info and hoped he could record my answer to that question as " N/A '' and then move on to help close my account, he refused to proceed with my request and accused me for not understanding his job. He said " You ca n't see the screen in front of me, so do n't assume I can just put a N/A for this question. You must answer " yes '' or " no '' otherwise I ca n't close your account ''. I ended up begging him to close my account, but still have no clue if my account is closed or not. 
Also I shared with him I only have XXXX mins for this phone call before my business meeting at XXXX EST, and appreciate if he could help close my account in XXXX mins. Obviously the call lasted way more than XXXX mins, and for the most part of this phone call was just him repeatedly saying non-sense things, such as how much I do n't understand his job and the reasons why he needed to explain to me again and again about the AA points which I already clearly shared with him there was no concern from my side. 
Also citi changed my credit card card number without notifying me or any sort of communication. So I still do n't know the current card number on citi 's side. What I have are the XXXX cards I received from citi ( XXXX before the fraud and XXXX after the fraud ), and they are XXXX and XXXX hope these are helpful to link my case to my account. 
Finally I hope citi recorded this phone call, and people will know how ridiculous this XXXX guy was. This phone call was almost funny, if you consider how much he refused to listen to the customer and how much he was soaked in his world about the exact format of answers he required. Citi should share this phone call publicly, and it will be a great XXXX hit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 have not missed any payments in over a year. I have NO collection or deliquent accounts. I have submitted 3 disputes in the last year and my credit score remains stuck on stupid. I make over {$150000.00} a year, yet XXXX says my credit score is XXXX! Please 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 explanation
Consumer complaint received 2022-01-30
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: Information belongs to someone else

Complaint:
XXXX  XXXX XXXX XXXX XXXX MD is incorrectly reporting a collection on my credit report. I have no knowledge of this account and I am not responsible for any debt reporting from this company. This account that is being reported negative on my credit report does not seem to be reported accurately and legally per FCRA.

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 2022-01-30
Company: AMERICAN EXPRESS COMPANY
State: NC
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:
American Express has issued a Credit Card in my name to someone else that is using it. When I applied for an American Express Card last year, I received a letter stating that my Credit Score was much lower than it actually was. I check my Credit Scores often and I knew that was a lie. American Express is now operating XXXX XXXX in XXXX. Also, I have asked for my late husbands statements, ( XXXX XXXX ) and American Express did NOT send me them after they said they would. My patience with their Egregious business practices have XXXX we orb me thin. If I dont get my, American Express Business Credit Card XXXX my late husbands file ( XXXX XXXX XXXX which I believe an, American Express Card ( s ) have been issued under his Social Security Number without his knowledge dnd consent, which is Elder Fraud by his alleged caregiver. If this matter is NOT handled to my satisfaction then, I am going to file a LAWSUIT against, American Express and their Board Members, who have allowed these, CRIMINAL practices to continue even after being notified. I have all of my documents to proceed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-30
Company: Experian Information Solutions Inc.
State: CA
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:
I am unable to initiate an online dispute or view my dispute results. There is a message that says we are experiencing technical difficulties. This happened before and was due to the file size of my credit report mainly due to the number of experian and experian credit match soft inquiries which are generated from the credit monitoring service.

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