BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed a dismissed bankruptcy on my credit report and it is still showing. I inquired about filing a bankruptcy but I never paid for the service or even signed any papers to have the guy to file on my behalf. I've had no luck contacting the company that I was working with to file the bankruptcy which is called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MN XXXX. The guy that I worked with name is XXXX XXXX. I still have all the same debt that I had before I spoke with him about filing. Nothing happened with this except the fact that it was placed on my credit report causing an even more damage to my credit than the things I currently have on there. I really need this removed. Thank you very much!

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 2022-07-26
Company: U.S. BANCORP
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I traveled to California to visit family the last week of XXXX. I was at my neighbor 's house for XXXX of XXXX and received an email saying that my account was low and that my transaction was sent. When I opened up my account to find out I had only {$13.00} in there. It showed that payments went through XXXX and one through XXXX. {$500.00}. {$600.00}. {$180.00}. {$500.00}. {$200.00}. And {$400.00}. Those were unauthorized transactions. 
I then called the fraud department and filed my report with them, she asked me about the XXXX {$200.00}. deposits that where put into my account from XXXX XXXX XXXX I was not working at that time so I had nothing to deposit. I did tell her that and that I didn't authorize any of those transactions and that I did not deposit any checks. 
She said my report was now filed and that my mobile banking was on hold and would only receive direct deposits and that I would hear from them within 7-10 business days.

I called them around the 7 day mark to get an update on my report and they said it was still under investigation. I did receive copies of those two deposits in the mail, but because they were fraud I did not deposit them. I took them into my local branch and they disposed of them. I did call the fraud department again on XX/XX/22 to let them know they sent me those checks and that it was not my money, he said that he would fix that and put it into the report. 
On XX/XX/22 I received letters in the mail stating that they denied my claims. I called them to find out why and she said that the report had no notes in it other then the two deposits. She asked if I told the whole story to the other person I had spoken to and I said yes, but they never added it into the report. She told me that because it went through XXXX, through the app that they said I authorized it. I told her that they were all unauthorized transactions and she said I can dispute the denial and try it again but it's going to be a very slim chance that I'll get anything back.

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 2015-04-24
Company: PNC Bank N.A.
State: DE
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
PNC Bank is almost impossible to make contact with regarding my second mortgage loan. Each time I attempt to call I 'm on the phone no less than an hour trying to get to the department that handles my account. First they changed the account number without notifying me. The branch office where I pay my loan could n't find my account, subsequently I had to wait 40 minutes before they were able to process my payment. They gave me what they said was supposed to be my account number. Several weeks later I attempted to call the PNC regarding a notice they sent me and ended up being on the phone for over an hour, because no one could find my account number. This happens all the time!! It appears they do n't want customers contacting them. I do n't have a department phone number, there 's never any number for contact on any correspondence they send me. Additionally, I 've tried to refinance this loan several times when my credit score as well as my wife 's credit score was in the XXXX area, and we were refused, although we paid our mortgage {$1000.00} on time with a 9.74 % rate. Although now we are retired and our income has n't increased we are paying the mortgage late each month, which means PNC is charging us {$100.00} late fee each month, which is further financially destroying us. We 've had this 2nd mortgage since XXXX/XXXX/06 and we do n't want to continue to be treated unfairly, unlawfully, taken advantage of and discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
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: Account information incorrect

Complaint:
I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
( Original Creditor : ) XXXX Balance : {$24.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX XXXX is a collections agency. They are not the original creditor to whom the debt was owned. I have disputed their reporting to XXXX, XXXX and now they are reporting expired debt that has passed the 7 year reporting time to Equifax. Furthermore, they do not report credit history debt. After I dispute their information being reported and it is removed, XXXX XXXX XXXX report it again as new debt. The credit Agencies do not check if this has already being previously reported, and removed. The data is taken as a new report and reported against my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
I opened a XXXX XXXX dispute with the CFPB and XXXX XXXX did not resolve my issue. The complaint was closed out. But they did provide me with documentation regarding the loan in question. The documents that they provided me do not match what they are reporting to the credit bureau. The amount being reported is {$7200.00}. Please remove this inaccurate information ASAP as pursuant to FCRA that my credit report must have accurate information at all times. Please have XXXX  XXXX provide the documentation that verifies and matches the exact balance that is being reported. 

Acct. 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 2016-07-06
Company: CITIBANK, N.A.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I originally received a promotional offer from Citi for opening a CitiGold checking account with a promotional offer for XXXX XXXX miles upon qualifying debit purchases ( see attachment on XXXX/XXXX/16 ), and upon calling Citi to open my CitiGold account I was put on hold to verify my eligibility and was CONFIRMED that I was ELIGIBLE, and the account was then opened with the promotional offer. I also contacted Citi via online chat to confirm the debit purchase requirements, in which Citi confirmed that making {$1000.00} in debit purchases ( along with the already completed bill pays over 2 months ) " to receive the promo bonus '' ( see attachment on XXXX/XXXX/16 ). After completing the requirements, I contacted Citi via online chat on XXXX/XXXX/16 ( see attachment ) to confirm all requirements were met and the representative confirmed everything was met and after 90 days I would receive the bonus. After the 90 days I contacted Citi via secure message on XXXX/XXXX/16 and was told that I was not eligible for the promotion ( despite being continually confirmed of eligibility ) and therefore would not receive the promotional bonus. I signed up for this offer based on this promotional bonus and Citi has $ XXXX monthly fees for the account ( which I would not have agreed upon without the promotional offer ). This willful misleading is unethical and fraudulent, Citi willfully agreed that I was eligible and confirmed the completion of the requirements as evidenced by the attachments, and now that I am due the promotional miles Citi has suddenly reneged on the offer while continuing to charge monthly fees for the account. Citi should be held accountable for honoring the promotional offer, particularly given the fact that throughout the process they confirmed and reconfirmed my eligibility and qualifications for the promotional offer. This type of misleading can not be legal and Citi should be held accountable, particularly given that a quick internet search shows that Citi has " scammed '' many people with this same offer.

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 2022-10-08
Company: FIRST PORTFOLIO SERVICING INC
State: WV
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:
This has been going on for a few months now and they keep charging me late fees and the balance has gone from {$330.00} to {$380.00}. Apparently theyve also turned me into collections without notifying me of a past due balance. I cut this card up in XXXX after I paid it off, but there were some fraudulent transactions which I disputed ( in writing ) because they refuse to do disputes over the phone. They denied my dispute because whoever used the card knew my zip code Im sorry but I can XXXX a name and get someones zip code. The FCRA has to have been violated here because as I said theyve turned me into collections without even trying to get ahold of me, charged late fees without notifying me, denied disputes on no basis, and reported me to the credit bureaus as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Company: Experian Information Solutions Inc.
State: NV
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:
There are some accounts and a bankruptcy listed on my credit reports that aren't mine. Please remove them.

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 2022-12-14
Company: I.C. System, Inc.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've tried Reaching the company after reviewing my credit report and finding they was reporting XXXX  on my report, I tried to get the company and they dint respond in a timely manner of my letter I sent requesting information. XX/XX/2022

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 2016-09-30
Company: Stearns Ventures, LLC
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage is currently with Stearns Lending. Over a month ago we sent them a check for {$25000.00} ( insurance claim check that must be cosigned by them to repair hail damage to our home ) and submitted all of the required paperwork to include a signed contract with a local painter to begin our repairs. XXXX is fast approaching in Colorado making outdoor labor very difficult and yet still no check from them???? It appears they have a sub-contractor that handles insurance claims in the name of XXXX in XXXX S.C. Our money is NOT in our regular escrow account so we suspect that all of the " stall and delay '' actions taken by XXXX are intentional and they are profiting off OUR insurance money?? Pretty sure what they are doing is illegal on several fronts but I should leave that up to you to decide. Regardless we need our insurance money so that we can pay for the repairs to our home. Every time we call there is a new reason ( not on the checklist ) for our money not being sent??? I XXXX this company and it appears that I am not the first person to be jerked around continually by these criminals.

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 2022-07-26
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: Account status incorrect

Complaint:
I recently checked my credit report and discovered a lot of billing errors. mistakes in billing under U.S. 15. Code 1666 ( b ) the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit extended to the debtor. a computation error or other accounting mistake made by the creditor on a statement. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor didn't send me a statement 21 days beforehand. I demand to see specific documentation from the creditor 's bank accounts proving that I failed to pay and were considered past due because these are obviously billing errors. Below are the list of the disputed accounts. 
XXXX XXXX Balance : {$680.00} XXXX XXXX XXXXXXXX Balance : {$570.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
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:
It has come to my attention that this account is in connection with an alleged vehicle purchase transaction. I never authorized this account to be on my credit report. These companies do not have permissible purpose to report this information on my credit report. I was also never given the option to " Opt Out '' in any form. If I was given such an option I would have. I do not want to ever do business with XXXX XXXX XXXX XXXX and they have continued to give me stress and headaches over their illegal tactics. The following Account does not belong to me and should be removed from my credit report immediately : XXXX XXXX XXXX Account # : XXXX. I have also sent a Cease and Desist letter and this company continues to indirectly communicate with me through the credit report agencies.

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 2020-01-01
Company: EQUIFAX, INC.
State: NV
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:
There are some accounts and a bankruptcy listed on my credit reports that aren't mine. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My capital one credit card platinum secured account opened on XX/XX/XXXX and all history was removed by request of capital one of 12 month history along with the tradeline of {$600.00}. Capital one denied this and stated that the account number is reporting to all credit reporting agencies when it is only one and that is XXXX. The tradleine omg with the excellent payment history was removed by request of capital one for XXXX and XXXX. I have contacted and communicated with both CRAs and they both stated that this was indeed by request of the creditor capital one. Now the account is open and active and I do keep the tradeline in very good standing with payment history and use the the credit card. My complaint is I have disputed with capital one since XX/XX/XXXX and they keep sending their results of the investigation to me stating that the tradeline are verified reporting to all CRAs when indeed its not only to one which is XXXX. Capital one does not know why the account was removed and denied that they requested for its removal and stated in a letter that they have verified its posting to all three CRAs by sending a letter also stating that. I asked by how did they verify this posting of the tradeline and by what means and keep sending a letter stating that its posting and posting accurately which it is indeeed only reporting to XXXX and not XXXX and XXXX. The situation still is not corrected and they have had enough time to allow for its resolution. The CRAs XXXX and XXXX have both stayed that they need to submit an reinsertion of the trader line and of XX/XX/XXXX none have been submitted this has been ongoing since XX/XX/XXXX. This is indeed a clear violation of the fcra for inaccurate reporting and only reporting to one CRA and removal of the reporting on XXXX and XXXX resulting in loss of age in credit history and fico scoring capital one have not went to any verification of its reporting or beyond to make sure that it is indeed reporting they have had well over 30days to correct the problem and have failed to do so this account ending in XXXX I have included reports from XXXX XXXX   credit monitoring service as well as the XXXX report. I have an old account and another active account with capital one old account dating from XX/XX/XXXX that was settled and another that is active which is quicksilver opened XX/XX/XXXX these are not to be confused with the account that is still open and active opened XX/XX/XXXX with credit line of {$600.00} account ending in XXXX which is the account removed by capital one to the authorized users on my account their reporting which is weirder and I have included the XXXX report showing the tradeline from capital one of XXXX reporting the only cra reporting it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
In XXXX 2012 My husband and I take root bankruptcy, and in my credit report that is included in the bankruptcy occurs, I need that remove such information from XXXX, also it appears I started working when I 'm disable and not job.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: AMERICAN EXPRESS COMPANY
State: MI
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:
harassment and unethical demand of american express employee from XX/XX/XXXX i had 2 accounts with american express i was never late on any account payments were always made promptly on each account suddenly i was even given an unsolicited credit line increase about 6 months later i received a financial review requesting a nearly {$5000.00} on a revolving account the payment was made i continue to receive email requests for documents or large payments about six times i was so concerned that i contacted american express thinking it may be a scam in today 's culture of scammers i continued to cooperate with theses untimely unprovoked request until around the end of XXXX after spending over {$10.00}, XXXX cutting balances in half sending tax returns and and pay stubs at this review persons request finally at the end of XX/XX/XXXX i received a call from the review team at nearly XXXX XXXX  and the woman asked me to submit a copy of my employers last 2 months bank statements i told her that that was an unethical request and assured her that i would get in trouble her response to me was the following ( your employer doesn't have to know ) i refused the request and in a few days both of my accounts were subsequently closed ( the unethical request is on tape. ) this treatment was shameful and deserves to be published in some large corporations like American Express there are people who have there own XXXX  agendas this was my experience with American Express XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Upon calling the phone number on the letter from American Express I was routed to a collections department in XXXX, at which time I requested to speak to someone in America to handle my American Express collection. I was told by the operator that no one in America was able to accept my call at this time ( XXXX on XX/XX/2020 ) and that they would update my account to reflect this request. It is now XX/XX/2020 and I have not only never received communication from the company, and I have been notified that the debt was sold to another creditor. 

These debt collectors were calling my phone non-stop. American Express was calling my phone within seconds of another call in which I have ample evidence indicating this. Not only are these collectors using spoofed Michigan phone numbers, calling my phone in a relentless manner, but they are also calling my phone at all times of day including collection calls at XXXX Arizona time. Although the debt collectors may not know my exact location, they know based on my address on file, the time zone of these calls is not only inappropriate, it is illegal. In Arizona specifically, Arizona law prohibits debt collectors from engaging in a range of deceptive and intrusive tactics when collecting money on behalf of a creditor.

Company response to consumer: Closed with explanation