BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-10
Company: Resurgent Capital Services L.P.
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:
After reviewing my credit report I have found XXXX XXXX XXXX ( XXXX  XXXX ) is reporting an inaccurate account and information to the credit reporting agencies regarding my account. I have disputed the debt multiple times to no avail. I have sent multiple letters of debt validation and have not received any definitive proof. I did not open these accounts that were purchased. I never signed anything or submitted my information to go into contract with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The tenant and guarantor believe that National Credit Systems and XXXX XXXX XXXX XXXX XXXX are in violation of the Fair Debt Collections Practices Act by attempting to collect on a debt in full too prematurely. Additionally, based on the way the tenant vacated the premises was in avoidance of continued harassment and perceived possible personal injury.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Dear Sir/Madam, I hope this letter finds you well. I am writing to request your assistance in correcting the personal information on my credit report. I recently obtained a copy of my credit report and noticed that some of my personal information, specifically my address, is inaccurate. To ensure the proper handling of my personal and financial information, I kindly request that my correct address be updated on my credit report. 

For your reference, my personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX Correct Information : Address : XXXX XXXX XXXX XXXX XXXX 
City, XXXX, Zip Code : XXXX XXXX, XXXX  XXXX Please find enclosed a copy of my driver 's license/utility bill/lease agreement as proof of my correct address. I request that you update my credit report with the correct information and remove the incorrect information. Additionally, I kindly ask that you send me a confirmation letter once this update has been made to ensure that my records are accurate. 

I understand that errors may occasionally occur in credit reports and appreciate your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at [ Your Email Address ] or [ Your Phone Number ]. 

Thank you for your assistance in resolving this issue. I look forward to receiving your confirmation letter. 

Sincerely, XXXX XXXX Enclosures : Proof of correct address ( driver 's license/utility bill/lease agreement )

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 2021-04-06
Company: EQUIFAX, 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've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX  XXXX - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: AMERISAVE MORTGAGE CORPORATION
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi- nice to meet you. 

I am reaching out as I frankly don't know what I can do in order to secure my escrow refund ( {$570.00} ) from AmeriSave. I'm extremely concerned as I'm worried this issue will compound as I decided to refinance with a separate bank and I'm owed an additional amount for my escrow refund ( {$3700.00} ). 

XX/XX/XXXX I noticed XXXX stated they had mailed me an escrow refund on XX/XX/XXXX. I never received that check. I called AmeriSave and they said it was mailed though it wasn't marked as cashed. At that point - late XXXX I was told that they would reissue the {$570.00} check. 

XX/XX/XXXX, XXXX I called XXXX back and they stated everything was on track to send a check. 

XXXX XXXX, XXXX I called and asked where the check was and XXXX stated it had been re-issued and I can't check back until 30 days later. 

XX/XX/XXXX, XXXX I called back on XXXX and asked where the check was. At that point I was told that they actually hadn't sent the check ( their notes stated it was reissued but not mailed ) and they would reissue. 

XX/XX/XXXX, XXXX I called back to check-in on whether the check had been mailed. I was told will need to wait 7-15 business days ( from XXXX ) to see if it had arrived. An inquiry was opened on my behalf. 

XX/XX/XXXX, XXXX I paid off my loan to refinance with a different bank. Separately, I received - in the mail- a note saying that an inquiry has been raised on my behalf on XX/XX/XXXX. I call again to ask for either a ) a tracking number or b ) for direct deposit. I'm told neither can be done. 

XX/XX/XXXX, XXXX currently on the phone waiting for a supervisor to help see if a check with a tracking number or a direct deposit can be accommodated. 

I have spoken to countless customer service, supervisors, loan servicing employees of AmeriSave. The best answer I have received as to why they can't direct deposit into the checking account that I use to deposit my monthly mortgage payment is " we aren't allowed to under CFPB laws ''. But nothing I'm reading in CFPB laws states that is a hard stop requirement ( please correct me if I'm wrong ) I'd really appreciate a ) direct deposit or b ) a tracking number or c ) some sort of acknowledgement of the grief they have caused me. I would have invested that money immediately in XXXX and the XXXX XXXX XXXX XXXX is up XXXX % since XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: EQUIFAX, INC.
State: CA
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:
During the pandemic I applied for mortgage deferment. I was approved. During my forbearance period, I made payments. Since I have brought my account current, and lender continues to report late in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: Camino Financial Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am not even 30 days past due and have receive over 25 calls in the past week of XXXX. This is not including multiple voice messages, texts, and emails. Ive received XXXX calls in the past XXXX hours alone. 

I advised I would update my card the upcoming week and to please cease all harassing communication. 

They kept contacting me at first saying that I gave them permission to contact me I advised that I did not give them permission to harass me. There is a difference. 

After multiple texts back-and-forth, they finally agreed to cease and desist. 

After telling them, I was going to update my card with them. I received this response Ok, so you dont want to take responsability of this? 
I am going to take your answer as a negative of payment That was not what I said at all. But I advise them that no further responses for me would be made as I am reporting it to the CFPB. 

I am also getting emails saying that my account is one month past due when its not I am documenting these practices, in case they inaccurately report late payments to the credit bureau I have attached photos of all the missed calls from their company in the past week

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: EASTERN BANKSHARES INC
State: RI
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is less about aggressive tactics and more about repeatedly ignoring our calls to try and pay off the debt while continuing to add interest to the amount owed. My partner and I have been trying to reach Eastern Bank 's debt collection department since XX/XX/2020 so that we can pay off our debt with them. We have been put on hold for over an hour, transferred around to different departments ( apparently none of them the correct department ), and eventually we just get hung up on. We've tried emailing, also no dice. We've never experienced such an uphill battle to try and pay a bill. But then we noticed that month after month Eastern bank is adding interest in what seems like an attempt to restart the clock on the 7.5 year time limit for leaving the debt on our credit reports. All we want is ( 1 ) an actual means of communicating with this company that holds our debt, ( 2 ) an accessible means of paying off said debt, and ( 3 ) we don't believe we should be responsible for the interest that's been accruing while Eastern Bank refuses to answer our calls/ acknowledge our attempts to pay our debt.

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 2023-09-25
Company: Continental Finance Company, LLC
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was sent in to collections with out notice charge off oj my report. Paid the charge off and there still adding derogatory comments amd statements on my report.Misleading information for creditors. I belive that's not fair credit reporting. I've called and asked for updates no results. They continue to blemish my credit report after i paid 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 explanation
Consumer complaint received 2023-01-15
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX of XXXX CITI bank decided to close my account, after almost 2 months CITI returned via a check the remaining balance on the account which was XXXX  However there was a missing sum from the check we got from CITI, in the amount of XXXX  which was a direct deposit from one of our customers XXXX XXXX. 
It was deposited in our account on XXXX XX/XX/2021. 

This customer XXXX XXXX booked a nonrefundable airline ticket with us. He has been informed about this fact. The ticket got eventually canceled and the passenger was offered full credit for future travel which he was eligible to use up to 2 years. According to our Terms & Conditions he was not entitled for a refund, therefore the airline could not grant him one. 

I do believe this person complaint to CITI, and CITI for some reasons without contacting me first to find out what is the reasons for complaint, and to offer us the possibility to explain ourselves and provide proof of purchase decided to take this money out of our account and return to the complaining customer. 
This is totally unacceptable. I demand the money in the amount of XXXX to be immediately returned to us. 

Please find copy of the deposit, copy of our Terms & Conditions and the completed form by the customer XXXX XXXX where it is clearly marked he agrees to pay our company for the airline ticket. 
If there is more information needed please let us know.

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 2023-01-19
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Never authorized it.Please removed it.

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 2021-03-18
Company: HYUNDAI CAPITAL AMERICA
State: OH
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 in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2023-12-20
Company: PENTAGON FEDERAL CREDIT UNION
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Per the FCRA, as a federally protected consumer, I opt out of any and all authorizations that I may have given you verbally or non-verbally, written or unwritten effective immediately and indefinitely per 15 USC 6802 ; a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Also per The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. 

The Privacy Act requires that agencies give the public notice of their systems of records by publication in the Federal Register. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual. The companies involved are XXXX XXXX , XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and 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 2023-01-15
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did a FTC report in XX/XX/XXXX and spoke with XXXX POLICE DEPARTMENT because there were XXXX student loans on my credit reports from XXXX. XXXX sent me a Packet Titled LOAN DISCHARGE APPLICATION : FORGERY and i filled it out and sent it to XXXX. On XXXX, XXXX XXXX, XXXX Closed all XXXX accounts from my XXXX, EQUIFAX AND XXXX Credit reports. In XX/XX/XXXX EQUIFAX Reopened my XXXX Accounts and added an Fraudulent account with XXXX OF XXXX For the same amount as the fraudulent XXXX Accounts, {$71000.00}. This account does not belong to me. Under 15 USC 1681 ( a ) 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 ( a ) 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681b ( a ) 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. Multiple addresses are reporting on my profile as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
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: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
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:
I received the new credit card FNBO on XX/XX/XXXX. I made two purchases with it on XX/XX/XXXX for my new home. After the second purchase, I was called to verify the purchase due to a concern about fraud. On XX/XX/XXXX I made another purchase with no issue. Later on XX/XX/XXXX, I attempted an {$85.00} veterinarian charge, which was declined. 

After the decline, I called and was given no information other than my account was frozen because fraud was suspected. I was told I would receive a letter describing various documents that would have to be notarized and sent in for the privilege of keeping my account open. I would not have found out about any of this and would have had additional rejected charges if I had not called in. The call center employees were generally very rude, demanding I verify my identify three different times, asking for every detail about every charge I made, while telling me they could divulge nothing to me since I was a suspected criminal. 

I offered to pay off my card right there to prove fraud was not involved. This was rejected. The implication was that they preferred to close my account instead.

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 2021-03-18
Company: TRUIST FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
In 2018 I was injured at work & placed on worker comp about a month after the injury worker comp abruptly stop my weekly pay and covering my medical bills. I went to BB & T and ask them to remove the automatic payments that I had on my account, the ladies in the bank told me that it may or may not remove the automatic payments which it did not. Leaving me in the hole with BB & T I am currently in litigation with worker comp for unpaid wages and unpaid bills this being one of them, quite literally worker comp bankrupted me with a newborn at the house and I'm still yet to recover fully. Im submitting my worker comp information plus a written statement that I have provided to the credit reporting agencies. All my outstanding debt is from worker comp and my attorney argues that this should be covered by workers comp and has been entered into the official record with the Administrative Law Judge. BB & T has placed a remark on my XXXX report preventing me from opening a normal non-secured checking account.

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