BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-26
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a Children 's Place Credit Card at my home address on XX/XX/2019. I did not apply for this credit card, I don't even shop at this store. I called the credit card company and it informed me that I had a credit limit of {$1000.00} and there was a credit amount already on the card for {$600.00}. I was unable to speak to a customer service representative due to being closed at the time of calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX, I wrote to 3 bureaus on requesting an investigation into items that I believed were FRAUDULENT/ INNACCURATE inquires on my report. To date, I have not received a reply from the bureaus or any acknowledgment that an investigation has begun. My SECOND request was on XX/XX/XXXX additional letters sent to bureaus and they have not complied with my request.

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 2017-11-14
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home in XX/XX/XXXX with same company ( Wells Fargo ) using the HARP Program but a year later they are telling me that my mortgage incurred a escrow shortage of over {$1800.00} which will add {$200.00} to my {$1600.00} payments. I am now paying more than I did before I refinanced. I was given an overpayment escrow check of {$840.00} but I turned around and applied it to my refinanced loan because I knew it was n't free money. I 'm not certain in if it was misapplied or not. Also, my tax assessor stated that my taxes did not increase more than $ XXXX {$300.00} in XX/XX/XXXX. Another words, I did n't have a big tax increase. I 'm wondering if it was a mishap when they refinanced originally back in XX/XX/XXXX and did n't calculate the escrow properly in the 1st place. I called Wells Fargo for an explanation regarding the large escrow shortage because as long as I 've had a mortgage its never been this much. This is really causing me a hardship. I refinanced to save money and now its costing me more than the original mortgage payments. By the way, the person I spoke with at Wells Fargo said that they like to have at least {$1300.00} extra for escrow beyond what is actually due and that 's nice but its not affordable for me.

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 2018-11-15
Company: ERC
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2018 I sent ERC a debt validation letter and today XX/XX/18 I recieved a letter from them stating the debt was validated with a bill. Which is not validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
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:
l have contact all three credit bureau and stated that have been a victim of identity theft. I was told to send certain documents to prove that i was victim of identity theft. I sent all documents on XX/XX/XXXX and placed a fraud alert on my credit and the fraud accounts are still there.

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 2019-06-26
Company: EQUIFAX, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In reference to previous complaint # XXXX submitted on XX/XX/2019. Currently showing no response. They were allowed 15 days. This is an ongoing issue with Equifax and there lack of promptness and the habitual willfulness of negligence of the FCRA and noncompliance to investigations, method of verifications, and re-investigations. 

On XX/XX/2019, I Called Equifax again at XXXX and spoke with XXXX and I asked if I had any accounts in dispute. XXXX asked for my SS # and once I gave her my SS # she asked me what am I calling for, I stated that I wanted to know if my accounts are in dispute, she ask me why, I stated because I wanted to know. Then she put me on hold for 3 to 4 minutes. Once she returned to the phone she asked me for my personal information and verification questions. Once completed I asked the question again, do I have an active dispute open? Here is everything she verified and stated. A Dispute was opened XX/XX/2019 and it was completed XX/XX/2019 for Dept of Education for removing late payments, no changes were made. On XX/XX/2019 and on XX/XX/2019 the same day, it was completed for inquiries for XXXX it was verified. I stated that I received an email from autocap on XX/XX/2019 stating that XXXX XXXX XXXX has begun the process of having the inquiry deleted and theres no way they verified this inquiry. She stated that they can not delete inquiries and it will remain on my file for two years. On XX/XX/XXXX to XX/XX/XXXX confirmation # XXXX is not reporting on my report. XX/XX/2019 dispute completed the same day for address removal and name XXXX. On XX/XX/2019 letter received and completed on XX/XX/2019 XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX confirmation # XXXX it was submitted by certified mail on XX/XX/2019. However, the letter was not a dispute, it was a method of verification. On XX/XX/2019 a dispute was submitted for XXXX XXXX XXXX for late payment dispute still show on file, accounts were in deferment. On XX/XX/2019, but received on XX/XX/2019 no action was taken per XXXX ( consumer representative ) after receiving letter but they submitted a dispute without my request and XXXX agreed that I should have received a letter in 15 days and not a dispute per request as she read the letter provided to Equifax. She stated that she will note the file that I called in regards to the request for MOV and did not receive a response. XX/XX/2019 confirmation # XXXX and that was for collection XXXX and XXXX XXXX and completed on XX/XX/2019, XXXX XXXX was removed. XX/XX/2019 submitted a certified letter and XX/XX/2019 the certified letter was received by Equifax for dispute of XXXX XXXX, XXXX, and XXXX XXXX and received Driver License and SS # as well. XX/XX/2019 all accounts were consider verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
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: Public record information inaccurate

Complaint:
I have sent in a request for information that was violating my rights as a consumer the 3 major credit bureaus. I was told that the court reported the information to the bureaus and it was very clear that it was a third party that the incorrect information was reported from. I have been communication back in forth with the court and the bureaus regarding this matter and it has caused a lot of stress for me with my credit being damaged and its not allowing me to get the full credit that i deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone stole my identity and created this account. i have never had an account with XXXX in the state of Florida. The owner of this account should be prosecuted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-29
Company: Rent Recovery Solutions
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I rented an apartment from XXXX XXXX XXXX in XXXX XXXX owned by the XXXX XXXX XXXX back in XXXX. Originally, I did a one year least beginning XXXX of XXXX. In XXXX of XXXX, I renewed my lease as a month to month lease with the total lease term ending XX/XX/XXXX. 

On XX/XX/XXXX, I contacted the rental office to verify my rental history so I can move out of a property ( a that was poorly managed and maintained ). The company did not comply with my request until XX/XX/XXXX. At that point, XXXX knew of my intent to move and not renew my lease. One week later, XXXX auto-renewed my lease. I disputed the renewal and proceeded with the process to move. I still paid XXXX and XXXX rent payments as agreed. 

I was issued a document with a balance of {$1200.00} for early termination of my lease. When I asked for a detailed breakdown of this balance, one was not provided. When I did the walkthrough with the property manager, the property was clean, and the only damage was from a maintenance request that was never completed. The property manager assured me that I was not responsible for it. I even paid a company to professionally steam cleaned and restored the carpets. 

I asked the property manager to escalate this matter to her superiors with XXXX. She assured me on three different occasions that someone would contact me. I have yet to hear from anyone, and as a result, a collection for {$1200.00} is on my credit report. 

Not only do I not owe the {$1200.00}, but I also never received my {$500.00} security deposit that I paid when I moved in. 

I am a XXXX XXXX XXXX. This matter has dropped my credit score by 89 points and has killed my ability to acquire SBA financing to keep my business afloat during this national pandemic. The folly of this matter may cost some of my staff their jobs if I can not get this matter resolved and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The account is fraudulent. I never opened this account. XXXX should confirm the identity and address of the owner before opening the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
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:
I received a request for feedback and I was unable to sign in to provide that feedback. In my opinion the Complaints that I have filed with CFPB are being sent to the reporting agencies and the agencies spins the Complaint are offer incorrect information without the proper investigation and provide the same erroneous responses. Again, I request an indept investigation into the issues surrounding my Complaints. Also under the Freedom Of Information Acts I be provided a copy of all the Records and communications that are in my Credit History File. If the CFPB is not genuinely willing to assist with getting to the bottom of the improper behavior by these reporting agencies please provide me with the government agencies who would have oversight of this type of issue.

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 2019-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
Please see the 5 BK 'S on my credit report that have been removed and replaced back on my credit report. Dates removed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX  BANKRUPTCY

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 2020-04-29
Company: Midwest Recovery Systems
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am lodging a formal complaint against midwest recovery system. this debt collector has reported 3 derogatory accounts on my credit reports, in the amount of {$1100.00}, {$790.00}, and {$400.00}. Midwest recovery has violated the fdcpa/fcra, i have never recieved a dunning notice from midwest recovery which allows me 30 days to dispute validity., ive lived at the same address for 16 years check my mail everyday never recieved nothing not even a phone call. this is happening at the worst time as im in the process of purchasing my very first home for my family and i. im being told these errounous accounts are holding me back, which is heart breaking to my family. i am requesting immediate deletion of these accounts from my credit reports immediately. XXXX XXXX XXXX  and attorney general complaints will be filed if these accounts are not deleted. thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
On the XXXX of XXXX, XXXX, I noticed that the credit reporting agency, TransUnion charged {$24.00} to my credit card through XXXX XXXX. I checked my monthly statements and discovered that TransUnion took {$24.00} once a month on the XXXX of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. A total of {$170.00} was charged to my credit card by TransUnion. I just recently paid off the credit card and that was how I found out about these charges once they took out the money on the XXXX of XXXX. 

I logged onto TransUnion and saw that I was signed up for a credit monitoring subscription that I never authorized or signed up for. I also went into my email account that I use with them to get my free credit report, and found no emails that contained receipts or that the subscription began. I then called TransUnion to speak to a representative for their subscriptions. He informed me that their records does not indicate how the subscription started, only that it just did in XXXX, XXXX. He canceled the subscription and told me that they would only reimburse me for XXXX, XXXX, and XXXX payments. That is only {$74.00} out of a total of XXXX that they stole from me. 
Next I called XXXX to dispute the remaining charges, to which they informed me that they could only dispute the XXXX charge and the 3 remaining charges that were made in XXXX could not be disputed due to how long it has been.

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 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 was in the process of buying a home when my lender pulled my credit report and they are showing two accounts listed for the US Dept of Veteran Affairs. This doesn't make any sense because the money was for school that I was paid out each month. When they over paid me they would take it out of the following disbursement therefore lowering the amount I was paid directly. There should be any type of collections for this. I sent a certified letter to the Dept of Vet affairs and they did not respond nor send me validation of this debt. How are the bureaus receiving this information if I can not?

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 2021-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXXXXXX  Date of inquiry:XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Hello, XXXX release - payoff letter from Fifth Third bank My husband and I took out a loan in XXXX with XXXX XXXX XXXX XXXX  in XXXX. XXXX XXXX  failed, XXXX XXXX assumed then Fifth Third Bank took over. Our loan was due in XXXX. We have never received pay off paperwork from them. For over a month now I have been trying to get a pay off - lien release anything from this bank to close on the parking spot as a developer came in and bought the entire building. My funds are currently being held in escrow until documentation is received. We are calling fifth third bank with a different representative each time saying someone will get back to us to no avail after a month of calls and a fax. The law firm and new buyer are waiting on this document. We are needing help. No one at the fifth third bank or a local supervisor in the bank know what to do. Since the loan is over 7 years they keep telling me 5 days but this is over a month. 

We are not customers of Fifth Third Bank but due to them assuming the loans from the failed bank XXXX XXXX XXXX  it falls under their jurisdiction. 

Can someone please help us get this payoff release so we can close out on this bulk sale. 

Thank you XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a line of credit from Td bank from XXXX XXXX. My credit limit was XXXX  and I owe {$900.00}. I currently not working do to Covid 19. I have been making payments. Them i made a payment for {$400.00} which left a balance of {$400.00}. After that payment was received they cut my balance to {$400.00} and they started charging fees late fees and over the limit fees. I called customer service and I waited for 3 hours and still didn't get to talk to anyone. I told a manager would call me back. Its been three weeks and still haven't spoken to one. They are aggressively reporting this to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
On XXXX credit report, there is an address listed that I never had : XXXX XXXX XXXX XXXX  wv XXXX. Also, there is a hard inquiry from XXXX that I never made. There are numerous soft inquiries that I am not making. 
On Transunion credit report, there are two hard inquiries that I have not made : XXXX XXXX & XXXX XXXX CARD. There are also multiple repeated closed accounts of XXXX XXXX, which is the same account as my active XXXX XXXX XXXX XXXXXXXX. 
On XXXX credit report, there are multiple repeated closed accounts of XXXX XXXX which is the same account as my active XXXXXXXX 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