BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
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:
Bank of America mortgage payment was made on XX/XX/2018, but they reported it as being 30 days late. The payment for XX/XX/2018 was made after the XX/XX/2018, which is reported correctly on the credit report. I contacted bank of America on XX/XX/2018 because the account was showing as closed on XXXX XXXX, and I was told that they closed and transferred the account to XXXX XXXX XXXXXXXX and this is the company I should deal with going forward. They would not speak to me in regards to the late payment reported for XX/XX/2018.

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 2020-12-04
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
ACCOUNT WAS OPEN IN MY NAME WITHOUT MY CONSENT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: Experian Information Solutions 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:
I do not have any children not sure why the credit bureaus will not remove child support from my credit report ; Illinios Child Support # : XXXX is reporting invalidly and I would like it removed as soon as possible. Not only do I not have any children to my knowledge child support isn't a contractual debt of goods, services or monetary value so why would it be reported to bureaus anyway? Every bureau removed it except for Experian

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 2019-12-23
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 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 explanation
Consumer complaint received 2019-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
Capital One Bank # XXXX and XXXX XXXX # XXXX are double reporting on my account. Capital One was sold to XXXX XXXX  but they are both on my credit and reporting a balance. This is in violation and it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
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:
All three credit bureaus are illegally publishing an unverified Bankruptcy on my credit file.

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 2020-10-07
Company: EQUIFAX, INC.
State: GA
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:
EQUIFAX HAS NOT PROVIDED A SCORE, A REPORT, ANY CREDIT INFORMATION SINCE XX/XX/2020 AND I HAVE 17 YEARS OF CREDIT HISTORY. CALLED THEIR GLOBLE CUSTOMER CARE AND NO OF THEIR OFFSHORE OUTSOURCED CUSTOMER SERVICES AND COULDNT PROVIDE A REASON OR TIME FRAME FOR WHEN MY REPORT, SCORE OR MYEQUIFAX.COM REGISTERED PAGE WILL HAVE ANY, ... YES ANY, INFORMATION UPDATED. THERE IS LITERALLY NOTHING ON MY REPORT OR REPORT HISTORY. I HAVE A LOAN REQUEST AND IT CAN NOT BE COMPLETED BECAUSE NONE OF MY EQUIFAX INFORMATION IS AVAILABLE FOR THEM TO COMPLETE THE LOAN PROCESS AS THEY REQUIRE 3 CREDIT BUREAUS REPORTS AND SCORES. NEITHER IS AVAILABLE FROM EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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  XXXX Account XXXX This accounts payment history details are being reported inaccurately. I have never been late on this account. I have also attached a copy of my consumer report from another agency with highlighted proof where the information was corrected and updated. I am asking that you all do the same. 

This account was also closed by the grantor and then reopened with the same account number without my permission and is now showing as a new account that I did not authorize and is reporting new account history. This account was opened in XXXX of XXXX and is now reporting a new date of XX/XX/XXXX. I did not authorize this company to open a new account on my behalf and if this account is going to report on my credit profile it needs to report accurately. I wanted this corrected immediately or I do plan to pursue litigation based on laws provided by the FCRA. 

XXXX XXXX Account XXXX This accounts payment history details are being reported inaccurately. I have never been late on this account. I have also attached a copy of my consumer report from another agency with highlighted proof where the information was corrected and updated. I am asking that you all do the same.

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 2019-12-23
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Under FCRA Section 611 ( a ) ( 7 ) I requested the Method of Verification - Detailed report of all the methods used to investigate my initial dispute on XX/XX/2019. This information was requested via certified mail on XX/XX/2019. It received by TransUnion on XX/XX/2019. According to the FCRA Section 611 ( a ) ( 7 ) this process takes and no later than 15 days. Upon speaking to a representative on XX/XX/2019 XXXX XXXX CST it was stated a dispute was initiated for the accounts listed on my document and will take 30 days. I did not request a dispute - I clearly requested the method of verification Under FCRA Section 611 ( a ) ( 7 ). Due to the clear violation of my rights and FCRA ; I demand Transunion make the following adjustments immediately per my documents. The documentation submitted to the credit bureaus has been attached to this complaint.

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 2022-08-04
Company: Experian Information Solutions Inc.
State: NY
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 of inaccurate and unknown things on my consumer report. It has been well over 30 days, and I have yet to receive a response from the investigation I requested. I feel as if I am being taken advantage of and it is causing me a lot of stress. Pursuant to 15 USC 1681i ( a ), states that a failure to respond to my investigation requestion within a 30-day interval is grounds for immediate removal. Being that it has been over 30 days. I demand that these inaccuracies be removed immediately. these inaccuracies are causing me a great deal of stress and XXXX  every time I think about it. if these inaccuracies are not removed I will be forced to file for litigation.

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 2022-01-04
Company: GUARANTEED RATE INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company incorrectly sent a payment to an insurance company that does not ensure the property that they hold the mortgage for. They basically double-paid for another policy. They used a policy number and amount that correspond to a different policy. They incorrectly paid {$3300.00} out of my escrow account and now won't refund or get the money back. please see attached the policy number does not match this address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: CITIBANK, N.A.
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:
As you can see from the enclosed credit report, it shows a late/missed payment of {$0.00} on XX/XX/2018. This is a mistake because I have been enrolled in Auto Pay since XX/XX/2018. 

I spoke to Citibank and after being and after being on hold for over an hour they asked me to call them back after 30 days.

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 2022-08-04
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
on XX/XX/XXXX I received a phone call asking for someone. I said No, I was not that person and was in the middle of asking " Who am I speaking to? '' hung up on. I immediately called back and found out it was for my wife from XXXX but it was something that was already resolved. So I disputed it with the rep there. Fast forward to today, XX/XX/XXXX, and the same thing happened. I got a call, they hung up. I called back but this time, the rep that answered the phone was trying to belittle me and was being very rude to me like I was the one doing something wrong. First, I already disputed it with them and they are already calling me back not even 2 weeks later. Second, how the rep treated me was not right either. She was told me that I was arguing with her instead of giving her the info that she was asking for. I asked for a supervisor and was transferred. I have attached screen shots of my call log proving this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I paid XXXX and XXXX  off and they still have a balance on them also, there are a lot of inquiries from mortgage companies that need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: CITIBANK, N.A.
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My wife and I have tried to receive a refund from XXXX  XXXX for a canceled flight on XX/XX/XXXX. We have sent emails and called the airline multiple times and have not received a refund after 4 months. We contacted the credit card company to intervene for services not rendered and to remove all interest charges and to credit the account card relating to the canceled flight. The flight was purchased on XX/XX/XXXX for the amount of {$1700.00}. This is the response from the Credit card company on XX/XX/XXXX was " The merchant is willing to work with you to resolve your claim, and that we were responsible for the disputed amount and that there investigation was completed and disputed amount will be included in the balance Subject to interest charged. They also said that our account was in good standing but wanted us to know that if we do not pay our credit card bill they would report us to consumer reporting agencies? We have always paid our credit card! We again contacted XXXX  XXXX  verbal and written and given excuses why after 4 months we have not received credit on our card. We contacted and wrote again to the credit card company on XXXX XXXX and told them we are still in dispute with the airline and have not received a credit on our credit card for the {$1700.00}. I have sent another letter to XXXX  airline and Shop your way credit card company 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 2018-03-15
Company: EQUIFAX, INC.
State: AZ
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:
In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I sent a letter requesting that items on my credit were innacurate and asked that they were removed from my credit report. My request had not been answered in the`manner I had hoped for. The items I disputed from my credit report has not been removed and is disrupting my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
Few weeks ago found out that on my capital one account nearly XXXX dollars in unauthorized activity had appeared on my card. I yet contacted cap one to report issue along my missing card .But yet after 2 plus weeks I still have XXXX credit no credit to use most banks give n provisional credit I reported this right as caught this yet bank does nothing to care about fraud cant use card n its XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
THE COMPANY TOOK 0 ACTION. THEY ARE TONE DEAF AND RELY ON PACIFICATION AND RHETORIC. THEY DID NOTHING TO CHANGE THIS STATEMENT AND ARE OK WITH THE FACT THAT THIS WILL TAKE YEARS. I PAID FOR EVERYTHING AND I PAID EVERY SINGLE OVERDRAFT THEY CHARGED ME. I NOT ONLY DEMAND THAT THEY CHANGE IT BUT TO REFUND ALL THE OVERDRAFTS THEY EVER GIVEN ME! THEY PROFITTED SIGNIFICANTLY OFF MY PAST YEARS OF OVERDRAFT AND THEY HAVE THE NERVE TO KEEP A RECORD ON ME THAT WILL PREVENT ME FROM CHANGING TO ANOTHER BANK! 

I HAVE SERVED MY COUNTRY AND COMMUNITY AND CONTINUE TO DO SO! YET THIS COMPANY HAS DONE NOTHING TO FIX THIS PROBLEM. THEY ONLY HAVE INSENSITIVELY CONTINUE TO ACCEPT THEMSELVES IN THEIR CORPORATE PREDATORY BEHAVIOR! I

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 2018-12-03
Company: Santander Consumer USA Holdings Inc.
State: WI
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:
My old car was repossessed after I became unemployed. The car was sold and the debt paid off, but the credit report is showing it is still the full balance amount from when I purchased the vehicle, and the account was charged off and still in poor standing. It should reflect as paid and closed since the debt was paid off after the vehicle was sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: SUNCOAST CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
they violated my rights pursuant to 1692 ( D ) ( 1 ) any bad debt furnished on my report is ruining my reputation and a defamation to my character they also violated my rights to privacy pursuant to 1681 ( a ) ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: Navient Solutions, LLC.
State: CO
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:
I never receive statements until AFTER the due date. For example, I received an email statement stating due date was XX/XX/XXXX on XX/XX/XXXX. However, when I logged into the account, I was shown a past due balance and a missed payment. I also graduated with a XXXX XXXX XXXX in XXXX on XX/XX/XXXX. According to my exit interview and counseling with the US Department of Education I should receive a six month grace period before payments are due to begin. I have not received this with the company. They are also refusing to give me interest accrual information I have requested and are also refusing the grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Ive been a chase customer for years. Last year I close my account they said I had a bill of {$1000.00} and I paid the bill in full. I reopened my account because I like the banking app and they have a lot of locations. I tried to send money with XXXX and it got cancelled I called in the morning of XX/XX/XXXX to make sure it doesn't happen again and they tell me my account will be close. They said I shouldn't have an account since 2015 but I've been banking with them for years. It doesn't make sense and they won't provide me any information. They are also very XXXX on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have ( had ) a Synchrony Bank Care Credit card. This card specifically for medical or veterinary care. I got it when my dog was sick and needed life-saving treatment. I made all the payments on time and had a zero balance. I kept that card because if another medical emergency came up, it was peace of mind to know I could pay whatever was requested up front and then pay off the card later. This weekend I was alerted by XXXX XXXX that my card had been closed. As a result, my credit score went down. 
I called Synchrony Bank on XX/XX/22 and they said in their fine print they can close any account at any time for any reason. In my case the reason was inactivity. But it's not a card where you can just occasionally charge something somewhere and pay it off, since it's only for medical or veterinary use. They told me my only recourse was to reapply for the card again. I told them that would impact my credit score twice. I asked to speak to a supervisor who told me the same thing - that they closed it due to lack of use, and that there was nothing they could do.

This is unfair and frustrating. Not only was my credit score negatively impacted but now I do not have that card or the peace of mind that came with knowing I could pay in an emergency situation. Looking online, I see that this is a common occurrence with Synchrony. It is so wrong. I hope you can do something about it. 

Thank you. 

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