BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-01
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Tried to contact DirectExpress. on XXXX. Also last week. No available agents to answer. Waited on hold, then. Drops. Tried about six times to get through. 
Must get this taken care of. Twice when, buying gas. And recently on XXXX Was declined Three times. When I had a balance of XXXX. In my account. Also, A debit on my account of XXXX From XXXX XXXX I tried to contact this company also. I don't know what this is concerning. 
I'm a XXXX  living on {$800.00} social Security. And the stress level is becoming unbearable. 

This is my final attempt to get some relief, after trying to contact both credit card, and the debtor. 
Thank you, for anything you can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
These account on my credit report are misleading and false. XXXX, XXXX  and transunion has a closed and derogatory accounts, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, and state of XXXX. These account are all violations of the FCRA. They havent been validated and should be removed from my report. They also sent me letter with there logo stating that I owe a debt which is against the law stated in 15 U.S.Code 1692b. This results in a {$1000.00} fine. An because your attempting to collect a debt that is against the low stated in 15 U.S. Code 1681b. You can not file a consumer report unless you have a written order from the courts, also should be accordance with the written instructions of the consumer to whom it relates. Also in 15 U.S.Code 1692b no debt collector can state that such consumer owes any debt. These are all {$1000.00} fines. Reports should not contain information solely as to transactions or experiences between the consumer and the person making the report. The congress also stated that any authorization or approval of specific extension credit indirectly should be excluded from your credit report. Also during your investigation into these accounts did you conduct personal interviews with any of my neighbors, family or associates? A consumer has the right to privacy and you sending three letter is a violation of my privacy. Congress states that the definition of credit card is also your social security number. So any closed or unauthorized account thats on my credit report 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 2023-01-05
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This morning, I woke up to a collection on my credit account. The original company listed as XXXX. Upon calling the collection company, Radius Global Solutions, they told me the account was for 5 telephones from XXXX. I called the collection company to dispute this account because I've never had an XXXX account. I've had the same phone number with tmobile for almost 20 years. This account is not mine. This is fraud. 
My credit report shows that this account was opened in XX/XX/2022 which doesn't even match what the collection company says

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 2022-06-01
Company: Exeter Finance Corp.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a XXXX XXXX XXXX from XXXX XXXX on XX/XX/XXXX, and financed with Exeter - two RISCs were signed, one on XX/XX/XXXX, and the other on XX/XX/XXXX. The dealership lied to me and stated that the optional products that I purchased were required in order for Exeter to finance the loan. I purchased GAP for {$890.00} and an Extended Service Warranty for {$1400.00} [ total : {$2300.00} ]. Also, I submitted a cash down payment of {$1000.00}. Further, the dealership told me to tell Exeter during the confirmation call that I had a vehicle that was used as a trade-in for this deal, a XXXX XXXX XXXX XXXX- the dealership said that they purchased this trade for me through craigslist, in order to use towards the down payment. 

I informed Exeter about the optional products that the dealership said were required to purchase, and Exeter did nothing about it, they told me to call the dealership and dispute my issue with them ; the dealership said to contact Exeter because they are the ones who funded the loan and required the optional products. Exeter repossessed this vehicle around XXXX of XXXX and sold the vehicle at auction. I asked Exeter to refund me my down payment which was applied towards the optional products multiple times but they refused to do so. After conducting research, I discovered that I am entitled to a full refund of my down payment and car payments since Exeter unscrupulously accepted and financed this loan, they lied and the dealership lied - I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: EVERBANK, NATIONAL ASSOCIATION
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When my mortgage company transferred servicing there was some confusion. I recently applied for a refinance with the mortgage broker who helped me purchase the property. The credit report shows I was late on XXXX and XXXX payments and currently past due. This has dropped my scores by almost 100 points and needs to be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: EQUIFAX, INC.
State: NY
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've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
The following hard inquiries currently listed on my XXXX, XXXX and Trans Union credit report are all unauthorized and not my hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-31
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
An amount of {$500.00} went to collections on my credit file in XX/XX/2022. The collections showed it was from Columbia Debt Recovery LLC or Genesis Credit Management and a derogatory mark showed up on my credit report. After investigating this situation, I realized that someone stole my identity and applied for an apartment at a place called XXXX XXXX. The address for that apartment is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. I have never applied for an apartment in Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
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 have already sent multiple letters to the credit bureaus addressing the billing errors that is appearing on my credit report. Under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly billing errors. Listed below is the account in question : XXXX XXXX XXXX XXXX XXXX : {$21000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04
Company: Glass Mountain Capital, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted by Glass Mountain Capital about owing a debt on XX/XX/2019. The representative told me about a debt that I was unaware of and needed more documentation. Therefore, I asked for written verification of the debt to be mailed to me as soon as possible. The manager on duty, emailed me some documents, which I was not able to see, so I replied twice for them to be re-sent, with no reply from the representative or collection agency. XX/XX/2019 was the last time I heard from the collection agency ; no phone call or written verification of debt. Under federal law, a collection agency has 5 days to send the verification to the consumer ; however, it wasn't until XX/XX/2019, that the company under its subsidiary name " XXXX '', mailed verification and it was not until XX/XX/2019 that I received written document. Clearly, the time frame is more than five business days and negligence on the part of the company to verify the debt in a lawful and timely manner for the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-03-02
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We have a VA loan and our servicer is XXXX. Our property is in Maryland and currently being used as a rental property, we occupied it for 2 years and got XXXX XXXX elsewhere. We intend to reoccupy the property in 2 years when we get sent back to the area. 

We were in forbearance last year due to the COVID-19 pandemic and our renter who stopped paying rent. We were unable to evict, due to restrictions at that time. We were in forbearance until XXXX of this year, when the tenants lease was up and they vacated the premises. 

We were told from XXXX representatives all last year that with the VA loan, we just needed to modify the loan to roll the missed payments into the end of the loan. We have several recorded phone calls stored of different representatives telling us the same thing in that regard. 

We called XXXX in XXXX to get the account back in good standing. The representative told us to make a payment in XXXX and they would send us paperwork for remodification of the loan. We have proof that we made a payment on time. A week later we got a letter saying our account was in default and on XX/XX/20 the foreclosure process would be started. 

We have called every day for the last XXXX XXXX weeks, since receiving the letter, to get this resolved. One representative admitted that someone had screwed up on their end and the account should have never left loss mitigation. We have a recorded call of that representative telling us it should have never gone to default. They then told us it would take 2 days to get transferred back over to the loss mitigation department. It has been XXXX XXXX weeks since that phone call. We have called daily and we have been taken through the ringer with the same excuses itll be two days. Most recently, this week, the new excuse is our systems are down, we will call you back today. And nobody ever calls. 

With a default hitting our credit scores, they will plummet and we will risk losing certain clearances within our jobs. This is unacceptable and XXXX is directly responsible. We are now looking into contacting the VA loan representatives ourselves to cover ourselves, in addition to retaining an attorney for their colossal screw up. We have given them ample time to correct their mistake and they continue to push us off with a looming default and foreclosure, despite us making a payment and trying to get our loan remodified to end the forbearance process. 

Certain restrictions came out within the last year when the pandemic hit, to protect homeowners from companies that would seek to further ruin their assets and protect homeowners from foreclosure when they could not make payments. XXXX has proven to be a company that does not take those restrictions seriously, with this military family, by not taking the appropriate steps to correct their mistakes on putting us in default - something that should not have been an option on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 dont know what is going on and why this showing up on my report I would like this permanently removed and wish for this not to happen again thanks.

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 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
To Whom It May Concern, On XX/XX/XXXX, I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported erroneously. On XX/XX/XXXX your agency completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. This is a request under FCRA 611 ( a ) ( XXXX ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on XX/XX/XXXX To be more specific, based on FCRA 611 ( a ) ( XXXX ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( XXXX ) which states : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than 15 days after receiving a request from the consumer for that description. Please reply within 15 days or delete the negative items, as originally requested. Below are the items that do not belong to me that you continue to report erroneously. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Please provide the date you contacted the creditor, the contact information for the creditor, the name of the person who verified the item to you, the method of communication you used to verify this information and did the creditor provide you with my SSN, address, and Date of Birth? Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else remove these items 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 non-monetary relief
Consumer complaint received 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
n accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXX and XXXX XXXX XXXX account XXXX has violated my rights. 

15 U.S.C 1681 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 account without written instructio
ns.

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 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 secured personal loan with XXXX XXXX XXXX. The amount of the loan was {$500.00} and I deposited more than {$600.00} in the account to cover the loan and its interest. The banker who setup my secured account also told me he will setup auto payments to come out of my account into the {$500.00} loan. Fast forward 1.5 years later the loan and the interest have been paid off however I find out that XXXX XXXX XXXX charged me a fee for every month the auto payment was done on my loan payments. So now even though the loan and interest is paid off, there remains {$180.00} just in bank fees being reported on my credit report and negatively hurting my credit. I called XXXX XXXX XXXX to get a resolution and both occasions the representatives kept me on hold and then dropped the phone. I need help with this, there should be no reason I have a balance with XXXX XXXX XXXX when the loan and interest was satisfied. The {$180.00} is strictly fees and nothing else and that is predatory on the part of XXXX 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 2022-05-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XXXX divested their retail bank to Citizens Bank XX/XX/2022. I received a letter with my new account details, but no credit card, debit card, nor online access. 
I rang Customer Service in XXXX to update my XXXX cell so I could enroll online but after XXXX hrs on call the agent said it wasn't possible ( XX/XX/XXXX as I needed an active cell on profile to receive security code from agent ). They acknowledged they had made a mistake not sending me banking cards. I rang again XXXX to talk to someone else and was left on hold for XXXX. 
I then raised complaint XXXX XXXX with you, and XXXX XXXX from Citizens Chairman Office contacted me by email XX/XX/XXXX with some options. I asked her via email to set up a call and left a voicemail with no response. XXXX XXXX contacted me on XX/XX/XXXX, I also asked to set up a call with no response. I continued to receive letters in the mail with no option to resolve my issue without calling Citizens Bank. 
I finally got onto an agent XX/XX/XXXX, after several further failed calls with Customer Service line and Chairman 's Office. I finally got to an agent ( who was unable to help ), then transferred to someone in Online Banking who was able to enroll me using alternate security questions. This issue has taken more than 2 months and at least XXXX of my time to resolve. If I had needed to rely on that money for rent, I would have been homeless, which is unacceptable service from this financial institution. Would like this noted on record and used as a teaching tool for customer service agents, as only XXXX out of XXXX was able to resolve my problem.

Company response to consumer: Closed with explanation