BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have been a victim of identity theft and also my personal identity has been compromised in a data breach with 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 2023-05-19
Company: EQUIFAX, INC.
State: FL
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have new inquiries that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XX/XX/XXXX, EQUIFAX MORTGAGE XXXX XX/XX/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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-16
Company: CL Holdings LLC
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, Yesterday - XX/XX/XXXX - I was alerted that a new collection account has been added to my credit report. When I further investigated I was notified by the collection agency that this was a collection account for first access credit card. I have never had nor have I applied for a first access credit card. They claim that I took this card out in XXXX of XXXX. Why is there no hard or soft inquiry from them at this time? Why have i never received a credit card statement either by email or regular mail. They claim to have my address I have never received a statement or anything sent to my address @ XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX. I receive emails from the USPS every day which details what mail i have received on any given day with copies! and I have never ever received anything from this company. They have also never ever even reported a balance nor " my purported ' past due payment to any credit bureau. Now they are telling me two years later that i have a card with them that i never paid??? i tried reaching out to first access by phone and email no response. I called Jefferson collection agency JCS @ XXXX they are telling me its serviced by another company which i called @ XXXX ( they never gave me a name of the actual agency " handling this debt '' Even when you call they don't provide a name of their company or anything.. they hung up on my after screaming at me that this is my debt they refused to provide me with a verification of debt!!! before hanging up on me! Please help me this is a fraudulent company and this is not my debt. I am in the process of purchasing a house and this happened right at the point of submitting an offer I can not believe this is happening to me. Please help me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-04
Company: ENCORE CAPITAL GROUP INC.
State: FL
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 was applying for a mortgage last week and my broker found an account in collections for a " personal loan '' for XXXX XXXX The account apparently says it was opened on XX/XX/17. I was living out of the country and in XXXX XXXX  at the time. This account is not visible on XXXX  or XXXX  but she could see it. She told me it is in collections and looks like was originally through XXXX XXXX which I have never used ). I can prove I was not in the country in 2017. Please help me to remove this issue. It is very frustrating that it is not visible on consumer credit bureaus as I check my report once a week. Kind Regards, XXXX XXXX I am also disputing the XXXX XXXX collection accounts ( these I can see on XXXX  ) as these were paid by insurance and have heard nothing back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
Company: Experian Information Solutions 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$6400.00} XXXX  XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance XXXX {$1300.00}

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 2018-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
I am currently Disputing on charge on my credit card for the amount of {$6300.00} dollars. The charge was made on XX/XX/2018 by a company named XXXX. On XX/XX/2018 XXXX   was shut down by the FTC for scamming people out of millions. So on XX/XX/18 everything that my on line business education was to provide me had been seized. The XXXX was only part of what I invested.

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 2022-05-20
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened account about a month I deposited XXXX cash and my settlement check of XXXX and I made deposit in person in the branch the lady I spoke with treated me like I was just below her her name was XXXX XXXX XXXX they are holding my funds

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 2021-05-28
Company: EQUIFAX, 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:
MY DOB is XX/XX/XXXX. This account was opened when I was underage. XXXX years of age. The account belongs to mother XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Selene Holdings LLC
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Received foreclosure sale letter from foreclosure attorney for my property. How do you receive a foreclosure letter when your Bankruptcy has not been dismissed. I was forced to file bankruptcy because I was hospitalized and shortly after I was released from the hospital my husband was hospitalized with a massive XXXX XXXX. We both have been affected by covid-19. My mortgage servicer has refused to assist us with mortgage assistance. we have been given the run around and misleading information. Spoke with Selene Finance customer service because I sent them request for mortgage assistance with our financials XX/XX/2021, I was told the documents were received but the file was closed because it was not 37 days prior to foreclosure sale date. I asked how could they close my file when I was still in the bankruptcy? Her response was Selene was unaware I was in a Bankruptcy??????? 
We don't want to lose our home Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: National Credit Systems,Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent you guys my Identity theft report according to my certified letter receipt you guys received this letter on XXXX XXXX, 2022. I have not received any proof that this lease agreement is mine. You guys have not sent me any Signed XXXX agreement nor have you proven that this debt is in fact mine! I demand this be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: EQUIFAX, INC.
State: NJ
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 have been disputing inaccurate accounts on my credit report for a year now and the credit bureaus have not corrected the inaccurate the information at all. The last letter I sent out was a certified letter to each credit bureaus. 

I have 8 accounts that are reporting incorrect information on my credit report. Here are the accounts. 

XXXX XXXX I address that the date of last activity is being reported as 3 different dates to each credit bureau. XXXX XXXX XXXX, XXXX reports XXXX and Equifax reports XXXX. The creditor just verifies the account but why are they reporting different dates to each credit bureau. This is not accurate at all and they have not updated or deleted this account. Law requires the information to be reported correct and it simply is not. This is the same issue with XXXX XXXX, and XXXX account. The date of last activity is being reported as different dates to each credit bureaus. I am so tired of stating this and they are not doing anything about it. 

Now with these 4 accounts XXXX, XXXX XXXX XXXX has 2 accounts ) and, XXXX XXXX the issue is the account status. Some are reporting the account as open which the account should not be reporting as open, and some closed and open to each of the credit bureaus and it is not accurate and the account should be deleted from my credit report. 

Last there is an account with XXXX XXXX  that was an account with XXXX XXXX XXXX XXXX, that was deleted off all three credit bureaus by XXXX XXXX XXXX XXXX and not even a month later added back with XXXX XXXX. The Credit Bureaus did not sent me a letter to let me know that the account would be added back on my credit report. I sent the credit bureau a certified letter to address it and they did nothing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: McCarthy, Burgess & Wolff, Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt collector was informed multiple times this is not my debt via phone and certified mail with signed return receipt. They continue to call and harass me after repeated phone requests and requested via certified mail to stop calling me about this debt. They have failed to verify or validate this debt, they call outside of appropriate hours, they call family and friends, they leave voicemail. This is not my debt, has never been my debt and I want it to stop. I need help. I am filing multiple complaints with the FTC and my States Attorney General regarding this harassment by a negligent, rogue debt collector disregarding the law to collect monies not owed to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: TRUIST FINANCIAL CORPORATION
State: NC
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 am currently under the CARES ACT of 2020 for my FHA Mortgage loan with BB & T. Based on the guidelines under this act, my credit is not supposed to be effective. However, BB & T is showing the amount of Past Due Payments which has affected my credit score. Per the guidelines, the credit account should show as current. The rep I spoke with at BB & T stated because this is a forbearance and they have to report the past due amounts. This should be an exception in this case based on CARES guideline. This is unacceptable if you read the CARES ACT guidelines.

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 2020-07-16
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened an online account with Citi Bank on XX/XX/2020, with an initial deposit of {$250000.00}. They posted it the same day. When I checked my funding account at CITBank on XX/XX/2020, I saw they had withdrawn this amount twice. I complained and got {$250000.00}. refunded the next day. I deposited another total of {$110000.00} the last 3 days.To my surprise, my today 's balance is just {$110000.00} and not {$360000.00} as it should be. I called Citi Bank and they told me, they didn't see the double payment on their system, just the refund. At my CITBank account, it clearly shows two debits of {$250000.00} going to Citi Bank and one credit of {$250000.00} coming from Citi Bank. So I chatted with several persons on the Citi Bank website. Unfortunately, I only wrote one person 's name down, XXXX. Nobody could help me because they said, they can not see a double deposit on XX/XX/XXXX on their side, just a withdrawal on and they also never requested this amount twice. After talking to CITBank, they confirmed, they got two requests to transfer {$250000.00}. I also have that in writing from them, see attachment. Calling Citi Bank is a nightmare. They are asking me for a debit card # and the security code -- since this is a new account, I only received the last 4 digits of the ATM card, but no security word. After about 5 min. they transfer me -- to the wrong person. So, I'm getting transferred again and can wait, wait, wwait until I get another person who can't help me either. Finally I'm ending up with a supervisor, XXXX, who can't help either and he refers me to CITBank. I call them, they just hang up on me. So I wrote them an online message. On previous response they told me to call, but the phone people just hang up on me. Let 's see what will happen now. Going back to Citi Bank with new information, go through that number disaster again, the wrong person transfers me again, I can't get XXXX, as he promised, but have to wait, wait, wait again until I'm getting a message " don't wait for a supervisor more than 2 min., get a department head. '' They don't transfer, so I'm calling again with all that number requests and then wait and wait and wait ... getting the wrong person again, getting transferred.. and wait and wait and wait. PLEASE HELP! I'm still out of {$250000.00}!!! Thank you. 

Sincerely, 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 2023-02-02
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Payments in the amount of {$2900.00} from XXXX - XX/XX/2022 are not reflecting on my credit reports from XXXX. I call in regularly to get this resolved and it has not been resolved.

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 2021-04-02
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Upon viewing my credit report, and attempting to view a bill, both Midland accounts had their amounts changed, and terms dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-16
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I sold a house in early XXXX and I am unable to get a quote for an auto loan that reflects the fact that : 1. I no longer have a $ XXXX mortgage. 
2. I paid off all of my credit card debt with the proceeds of the sale I understand why there is a delay in processing this information. However, when I have tried to approach each of the 3 agencies regarding when my score would reflect these changes it is impossible to get an answer. 

Their entire reason for being seems to be to steer me into new credit card loans. I see this as criminally counter to their mission of credit transparency and consumer services. How can one part of a site advise you to limit revolving debt and available credit and another part sell you new high interest cards? 

I feel like I've earned a higher score and the interest savings that entails so it's extremely frustrating to be saddled with an unfairly low rating with the added insult of being unable to get an answer to the simple question of when my rating will go up.

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 2023-06-24
Company: EQUIFAX, INC.
State: KY
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:
XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) are reporting a account that does not belong to me! 

I called XXXX XXXX and spoke with representative " XXXX '' on XX/XX/23 " XXXX '' could not find where I owed for this account. XXXX 's direct phone number is XXXX. 

XXXX XXXX are violating my rights under the credit laws. please delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
I have recently reviewed my credit report on today, XX/XX/XXXX with Credit Karma, XXXX, XXXX and noticed several unauthorized inquiries ; XXXX XXXX ( XX/XX/XXXX ), XXXX, XXXX XXXX ( XX/XX/XXXX ), XXXX  XXXX  ( XX/XX/XXXX ), XXXX XXXX  XXXX  ( XX/XX/XXXX ), XXXX Card Services ( XX/XX/XXXX ), XXXX  XXXX  ( XX/XX/XXXX ), XXXX XXXX/ XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ), and XXXX/XXXX  ( XX/XX/XXXX ) on my credit report and under 15 USC 1681 a number 3 . You guys assumed the role without permission not only that you did not have consent. You guys did not respect my right to privacy which is under 15 USC 681 a number 4. They did not exercise their grave responsibility, they were unfair, they were partial. I am taking the liberty to file a CFPB report and attorney general 's complaint. The credit bureaus were not given or had permissible purpose under 1681 b number 2. I never instructed you guys " Credit Karma '' to furnish this / my report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all 10 Hard Inquiries off my report. Please furnish Credit Karma with the cfpb REPORT NUMBER. I have also noticed an influx of my credit score going down over the last 3 days without change. This has gravely impacted me emotionally, mentally, and my score has dropped denying me from accessing credit. I see Credit Karma denied the former complaint. However, if they are a reporting agency receiving information by third part via the credit bureau they should also gain my permission before posting.

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 2022-02-02
Company: Herbert P. Sears Co., Inc.
State: TX
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:
Disputed with the company on XX/XX/XXXX. The dispute letter was sent by certified mail which the company received the letter on XX/XX/XXXX. It has been well over the 30 days the FCRA gives company to respond to any disputes. It is now XX/XX/XXXX and I have yet to hear back from this company.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation