BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-09
Company: Bread Financial Holdings, Inc.
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made payments to XXXX XXXX commenity bank on : XXXX for {$30.00} XXXX for {$50.00} XXXX for {$30.00} None of these payments has been applied. I sent each payment through my XXXX XXXX XXXX. XXXX XXXX submitted a check on my behalf. All the checks were cashed but not applied to my account. I feel I that I was cheated out of {$110.00}. I filed a dispute with XXXX XXXX  XXXX about the monies being sent but not applied to my childrens place account. I received a case number XXXX for the XXXX dispute. 
I made an additional payment to XXXX XXXX for {$35.00} because the missed payments caused my account to be delinquent and to negatively impact my husbands credit.A supervisor  XXXX at XXXX XXXX XXXX XXXX took the payment of {$35.00} with a confirmation # XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-16
Company: Rocket Mortgage, LLC
State: AK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We were sent a loan estimate at the start of the loan process and it listed our origination fee at 1 %. We are now almost at closing and are origination fee is now at 4 % and they want to charge us {$3000.00} to buy down the rate. The rate but down was never discussed and I never received any disclosure. They said it was because my loan has been in process for 78 days. Which I was not at fault for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I discovered that my Chapter XXXX bankruptcy had been incorrectly reported as being discharged XX/XX/XXXX. I filed the bankruptcy XX/XX/XXXX and the XXXX XXXX bankruptcy court discharged on XXXX XXXX. This was incorrectly added to my credit record at all three credit reporting agencies some time this year and was not reported to me through the credit reports I obtained as late as XXXX XXXX, XXXX, but it was reported to several mortgage companies in a report obtained through XXXX XXXX on XXXX XXXX, XXXX, XXXX # XXXX. I called all XXXX credit reporting agencies ; XXXX, XXXX and Equifax last week ( XX/XX/XXXX ) to file a dispute and sent a copy of my bankruptcy court order to each of them showing the correct discharge date. XXXX and XXXX have both since corrected this in my report, but Equifax is telling me they are still investigating and that they have 30 days to correct the error. They fuse to give me any assurance it will be corrected any sooner. In the mean time I ca n't get the refinance mortgage I am trying to obtain. 

However, the most disturbing problem is the reporting of this public record. Equifax told me that they received this erroneous report directly from the Bankruptcy Court in XXXX XXXX, TX. I called the Bankruptcy court directly and they told me that the court does not report to the credit agencies. I pressed Equifax repeatedly to verify where they got this information and noted that all XXXX agencies had the same error on all XXXX of my reports. I asked for some kind of verification of who reported this information and they insisted that they got the information directly from the public records. I find this very difficult to believe since all XXXX agencies had the exact same erroneous information and that it was added to my credit report at all XXXX agencies at the same time, especially when it was n't shown with a discharge date of XXXX XXXX on any of my reports last year when I was able to get a mortgage to purchase the house I bought XX/XX/XXXX. I would not have been granted a home mortgage with a bankruptcy discharge less than four years old. 

I want to know who reported this to the credit bureaus. If all XXXX of the obtained the information themselves, at the same time, then who are they really getting this information from? Is there some third party public record reporting service they all use that they refuse to disclose or are they actually getting this directly from the official bankruptcy court records? And, more importantly, why is it wrong? Who is responsible for this? 

FYI, I have the credit reports from all XXXX agencies I obtained through XXXX XXXX and the credit report from XXXX XXXX as well as the court order discharge I obtained directly from the Bankruptcy court in XXXX XXXX, TX available if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have a Truist Bank money market acct. with over {$24000.00} balance. I authorized my XXXX bill of {$11000.00} to be paid in full from that account. My XXXX  acct. balance showed the payment ; on the next line up was an item I did not recognize. It was {$5700.00} " pending '' for an entity called " XXXX XXXX '' ( " XXXX '' ). The " pending '' amount is exactly XXXX the amount of my previous PAID balance. 

I XXXX XXXXXXXX XXXX found innumerable complaints about this practice. I saw posters who had issues with Suntrust ( a predecessor bank to Truist ), Truist itself, and XXXX itself. There was talk of a class action to challenge this practice. When I called Truist to inquire as to what they were doing I found out that, because my XXXX  payment was processed on a Sunday, they withheld 1/2 of the amount of the XXXX payment for a few days while it " cleared ''. I had never heard of this practice before ; it may have begun when Truist bank took over. 

I did not understand because : 1 ) the bank had already processed the payment, 2 ) the funds from which the payment was processed are IN that bank, and 3 ) the credit card itself is a BB & T ( another predecessor to Truist ) product. More troubling was the information that, during the so-called " pendency '' of this phantom item, the funds ( in my case nearly {$6000.00} of MY OWN MONEY ) is neither available to me nor earning any interest. 

Is it legally allowable and acceptable for the bank to put a mysterious hold on its customers ' funds, to prevent the customers from accessing those funds, and to fail to pay the interest it is obliged to pay on a money market fund?

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 2015-08-04
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Transworld systems had been calling repeatedly using cell phone exchanges to prevent " Transworld '' on a caller ID. They never left a message. On XX/XX/XXXX at XXXX I answered XXXX of those calls ; they have actually used XXXX numbers. The woman on the other end asked for my son, did I know where he lived and where he worked. Thinking it was a friend of his, I told her he lived in XXXX XXXX, MD. Then I asked for her name but she said she did n't have to tell me that. Then I asked who she represented and she again said she did n't have to tell me ; I hung. Since that day, Transworld has called every weekday without leaving a message. Nine dayslater, on XXXX XXXX they began leaving a message saying who they were and " the official debt collectors disclosure '' about the purpose of their call ; they never did did before. About the third week in XXXX Transworld garnished my son 's paycheck {$75.00}. As my son is XXXX, he gave them permission for me to talk to them on his behalf. XXXX XXXX, XXXX XXXX XXXX at XXXX immediately launched into her tirade of agressive intimidation, which included telling me not to interrupt when I attempted to ask a question, repeatedly telling me that both I and my son were lying, and continually making demands regarding my compliance, in the process repeating herself over and over again. It was a classic " breakdown-the-subject '', one-sided barrage of intimidation designed to frighten me into submission. Her berating went on from XXXX XXXX until XXXX ; a full hour and a half! My son submitted the signed " XXXX '' forms she sent him and is supposed to get his loan payment reduced to 1 % of his income. His takehome pay, after deductions, which include a company health plan, is {$XXXX}. There is also Transworld 's collection fee of {$3200.00} which I assume they will want him to pay. My son got a XXXX year degree using many loan programs including XXXX, XXXX and XXXX. Because of his XXXX he received XXXX years of XXXX paid for by the county and the state that cost {$100000.00}. In his XXXX he also became XXXX ... and XXXX ; he was an XXXX years. He started his XXXX and worked as a XXXX during that period, but never made very much ... barely enough to support himself. XX/XX/XXXX he entered a XXXX and has been XXXX for seven months. He has had a job since XX/XX/XXXX and has received XXXX pay increases and numerous promotions ; he is now the XXXX. I think XXXX XXXX and Transworld have violated laws regarding debt collection. Thank you for this opportunity to submit a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This year and last year I've disputed this alleged account with another collection agency and it was proven that the alleged debt wasn't mine due to insufficient proof. This debt was bought via a portfolio of debt. I've seeked an attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. I'm tired of being taken advantage of after I've proven my innocence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Lake City Credit
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The agent from " Lake City Services '' has called several times, with my name claiming I have a debt to " XXXX XXXX XXXX  XXXX XXXX. '' I asked for an address to send my " cease and desist letter '' and sent a letter to Lake City Services, XXXX XXXX XXXX, XXXX XXXX, TX XXXX requesting proof of debt in writing. 

The letter hasn't come back yet, but their phone calls keep coming, and the requests for money before they " contact my employer '' or " take legal action '' have become more strident ( in phone calls ). 

Unfortunately, these people seem to have a lot of personal information which concerns me. 

The phone calls are from ( XXXX ) XXXX according to my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CO XXXX case number : XXXX There is currently an inaccurate bankruptcy on my credit report that I have disputed with you many times and you have filed to remove it. I have contacted XXXX and they informed me that they have requested that you REMOVE THIS ITEM FROM MY CREDIT FILE. and it is STILL THERE. 
As you can see, I have enclose a photocopy of this letter and at this time you are in violation fo the Credit Reporting Act ( " FCRA '' ), I am requesting that the following bankruptcy 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 2016-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I accessed my free credit reports ( XXXX, XXXX and transunion ) on XXXX. I received my report online from XXXX. XXXX always denies an online report and requires a mailed request and sends a mailed copy 30-90 days later. ( I am getting tired of this delay from them when I used this online service, but did not file a complaint ) My problem is that the TransUnion Website I was directed to stated it was unable to process my request and to come back later. Back at the XXXX site, it registered that I had received my free report for the year. Now I can not get my report, at least not for free. 

I send a complaint to XXXX re : TransUnion, but that was only an hour ago and I have not gotten a response yet. 

I feel these companies are making it difficult so that people who need their report right away will pay for it instead. Please help me get my free online credit report from TransUnion ( and if possible from XXXX also. ) 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 non-monetary relief
Consumer complaint received 2020-06-09
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notification from XXXX that my credit score dropped due to a new collections account from National Credit Adjusters on XX/XX/XXXX. The debt shows as a new collections account but the alleged debt is from XXXX. I called National Credit Adjusters and they advised they reached out via phone several times. I have not received one phone call or voicemail from NCA. They also mailed a letter that would have allowed me to dispute this/get more information/settle to an address that I lived at 2 years ago. This was sent straight to collections and dropped my credit score 42 points without me having an opportunity to dispute/clarify. I called NCA the same day and they are not willing to delete this record while I have an opportunity to dispute and/or clarify the details of this collection account and potentially settle. NCA has shown no flexibility on this matter considering the information they used to reach me was clearly outdated and incorrect. This can easily be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I submitted a dispute to Equifax Online dispute concerning several inquiries on my credit report I noticed when I checked it through their website. These inquiries were not authorized by me and I am confident the bureau does not have any documentation illustrating my signed authorization to have access to my credit report. I asked them to remove them and within 24 hours they responded stating that the information was correct. I have attached a copy of their response. The inquiries I disputed are not authorized and I would like them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I used free credit report to obtain a credit report and I needed scores from all XXXX companies. In attempting to obtain those scores each company had confusing or hidden charges. I thought I was paying {$39.00} for the report with all XXXX scores. Instead I was charged {$1.00} by XXXX then {$7.00} by Equifax and an additional {$39.00} by XXXX all on the same day, XXXX XXXX, 2015. Then XXXX charged me {$21.00} 7 days later, XXXX XXXX, 2015 for a credit tracker they said I agreed to. 
My Husband also needed a credit report with scores and we were charged {$4.00} by XXXX and then an additional {$39.00} again all on the same day, XXXX XXXX XXXX called XXXX 4 days after the additional charge of {$21.00} and was told that I could cancel the credit tracker as of that day but they would not refund any of the charges. I asked them to check the accounts by way of the credit card number charged and they acknowledge the account for myself and my husband and told me they would cancel the credit tracker for both of us ( but no refund for the extra charges ). 
Then on XXXX XXXX, 2015 they charged us an additional {$19.00}! That brings the total paid to {$130.00} for a " Free '' credit report. I acknowledge that I had to pay for the scores but {$130.00}!? 
I work in the mortgage industry and I am concerned with what happens to clients if they go to " Free '' XXXX. I am familiar with the industry and its terms and I was taken by the XXXX. What is happening with the regular consumer? If I had pulled a credit report with scores through the company I use for my clients it would have cost a grand total of {$18.00}. 
I am required to clearly and openly disclose why is XXXX and Equifax exempt from the same requirement and allowed to charge any amount with impunity?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I completed a transaction for {$260.00} for the Nevada DMV with my debit card. That day the transaction was posted on my account right away as pending. That night when I checked my account after XXXX that transaction disappeared from the transactions, It was not there not even as pending anymore so I think that the transaction was canceled or voided from the DMV and I transferred XXXX from account ending in XXXX to my other checking account with USBank ending in XXXX ( money never was moved out of the bank ) then that day in the morning my account was showing DMV transaction posted and account ending in XXXX was negative, USBank charged 4 overdraft fees, USBank do maintenance by midnight with the propose of creating with kind of confusion in customer and charge those overdraft fees. This is completely unfair they had that system issues and I made me confused so I transferred XXXX dollars to my other account and they charged 4 overdraft fees. This is the second time that they do this to me. 

When the bank system is updating the bank disappear transaction that were pending before and looks like the company canceled the transaction or something. 
This bank is always like that when system is updating, also I am unemployed and they do this to still money to the customers. But if this complaint does no fix the issue I will proceed with legal complaint in the court since I was informed that US Bank do updates in their system after XXXX XXXX but they never let the customers know or notify the customers in the mobile app.

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 2020-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've been trying to fix my credit since since 2016 I was XXXX and I find out that my identity was used

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 2016-10-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Because I filed bankruptcy and included the derogatory items are already in with the bankruptcy they are shown twice in different areas and should be removed

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 2022-08-17
Company: Informative Research
State: GA
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:
From XXXX XXXX to XXXX XXXX, XX/XX/XXXX, I have acquired multiple hard inquiries on my credit report that I did not authorize. Under the fair credit act section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : If you have no written signature from myself, please remove these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: EQUIFAX, INC.
State: AL
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 trying to purchase a home and the mortgage company can not pull my Equifax score. 

I have sent a letter to correct the info and have spoken to about 7 people that have claimed there was a freeze then the freeze was removed and still the mortgage company is not able to pull the report. 

I have exhausted all measures. 

The creditors are not able to pull my report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
They have multiple entries on my credit report which is hurting my score. This account was never validated and has supposedly been removed from trans union. This was a debt that by XXXX hospital their policy is to pay for services before they are rendered. This account was paid before service were rendered. This account needs to be removed from all XXXX credit agencies due to fraud as well as multiple incorrect entries.

Company response to consumer: Closed with non-monetary relief