BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-03
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I spoke with a XXXX from XXXX and told them that they are showing my account past due for XXXX on my credit report. He stated that he would get them to fix that because it shows that I have made all the payments they just don't show applying it to my account. He stated that their systems have been making big mistakes lately and they had a bad glitch. He said he will send it to their internal credit dept. and it should take 72 hours. In XX/XX/XXXX I went to apply for a car loan and we was denied due to the late showing my XXXX report. 
On XX/XX/XXXX I contacted XXXX at XXXX and spoke with XXXX. She looked at my account and confirmed the same as the rep from the previous call that I was never late for XXXX or any other month. We though that this happen because my scheduled payments were changed from the XXXX of every month to the XXXX of every month. After further investigations XXXX stated that would not be the case either because my change started in XXXX and it is showing on the credit report that XX/XX/XXXX was late. XXXX from XXXX stated that she would be sending this to the internal credit dept. to have them send an update to the credit bureaus showing I was never late. 
On XX/XX/XXXX I sent an a dispute to XXXX  and the came back with their results on XXXX showing the balance had been updated but the past due still shows on my account which made my fico score drop 56 points. 
XXXX I sent another dispute through XXXX and showed records that I am attaching here if able to show proof from my account at XXXX, I was never late and they received all my payments every month and the XXXX payment shows received. 

I feel that being turned down for credit because of the error XXXX created and XXXX not seeing the proof I sent to fix it is making my life stressful. I need to get this repaired and my credit report fixed. I have taken all the proper steps in contacting the bank, contacting the credit bureaus and still can not get it fixed. I have proof and I even have the statement from XXXX showing my payments received. 

I am asking for someone to please assist me with this matter because it is become a true hardship to get any of my credit in line and I am afraid that the current credit l have now will start pulling my line of credit or reducing my high limits due to this error that XXXX has created. I don't know where else to turn. 

Thank you, 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 explanation
Consumer complaint received 2020-05-12
Company: ERC
State: MA
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:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: VW Credit
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I purchased my vehicle at Audi XXXX XXXX in California and financed it with Audi financial on XX/XX/XXXX. I made my payments on time, but on XX/XX/XXXX, I parked my vehicle in front of my friends property in the morning, but when I left at XXXX, the car disappeared. First I thought that was due to parking enforcement, but California highway patrol claimed they didnt tow the vehicle. Then I called Audi financial to see if they had the car towed, they claimed they didnt tow it, it was not in procession. I kept contacting police department, and on XX/XX/XXXX, they claimed the vehicle was stolen, and it was marked stolen by Audi. Then I contacted Audi Financial over and over. They kept asking me to wait 24 hours/ 48 hours/ 72 hours to get a response. I never received any callback. And on XX/XX/XXXX, they said I have to pay the balance in full to get the car back, couldnt provide me any reason or information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: CITIBANK, N.A.
State: MA
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 contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2020-11-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have repeatedly told Portfolio Recovery Associates ( the company ) not to contact me on my cell phone as this number was not provided to either the Debt Collector or the original debtor of any of my accounts. I just recently got this number in XXXX, 2020 and the calls started almost immediately with no interaction from myself with the debt collector or the original debtor. The original debts are over 3 years old. I have notified the company that they have illegally obtained my cell phone number, as well as that it is inconvenient for them to contact me there which puts them in violation of the FDCPA. Portfolio Recovery Associates calls me several times a day, they never leave a voicemail when I do not answer and they continue to violate the FDCPA by inconveniencing me at work which can cause me to lose my employment. My last interaction with them was today, XX/XX/2020. I have been telling them since XXXX, 2020 to stop calling this number, yet they continue to call it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-18
Company: Capital Management Services, LP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Company has wrong information on me and thus not receiving proper notification on debt being sent to collection. Proper notification wasn't sent in advance on debt was going to be sent to collections. No effort was done to try and reach me before hand. Also they called a family member that I have no communication with to try an locate and having the correct phone number to reach 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 explanation
Consumer complaint received 2020-07-27
Company: ID Analytics, Inc.
State: TN
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 applied to XXXX for a credit card since they were offering {$5.00} off my bill when I had the card. Evidently the card is issued thru XXXX. The majority of my cards are with XXXX XXXX. I got a letter from this " Sagestream LLC ; evidently another obscure credit reporting agency, that my FICO score was XXXX and I was denied a credit card thru XXXX  because of Sagestream. 

I downloaded 6 separate scores from Annual Credit Report ; my scores ... XXXX, XXXX ; XXXX ; my Auto score XXXX ; my bankcard score XXXX and my mortgage lending score XXXX. They're not the best, but they're not the worse either. All were download today XX/XX/2020 at XXXX this morning. 

I do not want this false, unwarranted, misleading information leading to more issues in my life. I had problems 6 years ago, my credit is pristine now. I pay my bills the minute they arrive in my mailbox or my inbox. I just got a new car on Saturday, I don't think they would of let me drive off with a credit score of XXXX. 

I thank you for anything you can do to stop this from ruining me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: The CMI Group, Inc.
State: IN
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 disputes in regards to the incorrect items on my credit report. It has been well over thirty days and I havent received any investigation results.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: TN
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account ending XXXX and account ending 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 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My free eChecking Bank of America account was converted to regular checking account without my permission. And when I tried to login into my account after while I found out that my account was force closed because they had taken all the money in maintenance fees and there was no money left. 
This is a plain robbery. I was sent no written communications and any phone calls informing me of this.

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 2018-06-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2018, Wells Fargo mortgage apparently sold my home at foreclosure auction while I was in an active Chapter XXXX Bankruptcy which I believe to be a violation of the law. The also did so after assuring me that since I was in bankruptcy the sale would be stopped pending the adjudication of the chapter XXXX case. Since that time the " buyer '' has continued to harass me and demand that I leave my home. I do not believe the foreclosure sale was valid. I am still working through legal remedies for the situation but feel that the appropriate government agencies should also be made aware of this practice.

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 2021-05-25
Company: BMW Financial Services NA, LLC
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: Information belongs to someone else

Complaint:
My credit score has been very negatively affected because someone fraudulently used my name, ss number and date of birth but a different mailing address to purchase a {$40000.00} loan for a XXXX through BMW financial services. I first noticed this in XXXX through credit monitoring that multiple inquiries had been made on my credit and a {$40000.00} vehicle loan had been taken in my name through BMW financial services on or around XX/XX/XXXX. The first payment had been made for the vehicle but none thereafter. I contacted BMW financial services on XX/XX/XXXX and they emailed me a letter identifying that they were doing an investigation into the situation. I filed disputes with all 3 credit bureaus explaining the situation. I received a reply from XXXX  at the end of XXXX indicating that the claims on my credit report would stay because BMW financial services told XXXX that they determined it was not fraud. I then received a call from BMW stating the same, that they had closed the case because they determined it wasnt fraud. When I pressed them to explain what research they had done and how they came to determine it wasnt fraud, they refused to provide me any information. I was told by them, however, that I could email someone at BMW financial services by the name of XXXX XXXX with additional documents requested by them and request to reopen the case. I complied with this request and emailed Ms. XXXX on XX/XX/XXXX with said documents and have never received a response. They would not give me her phone number. I have yet to receive a response regarding the dispute from the 2 remaining credit bureaus, but nothing has been removed from my credit reports and the person who fraudulently purchased the car in my name has not made a payment since XXXX of this year. 
I dont know what else to do to resolve this matter and it is destroying my credit that I have worked so hard to maintain in good standing. BMW financial services clearly do not care about my circumstances as they obviously did very little ( if anything ) to investigate and resolve this situation of identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
My home mortgage with XXXX XXXX  is not being reported. 

The co-borrower, XXXX XXXX, filed bankruptcy and received a discharge. I did not. I have been paying my mortgage on time monthly and would like for this to be reflected.

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 2021-05-25
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX EOS CCA XXXX XXXX XXXX XXXX, MA XXXX XXXX : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$750.00} ''. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. 
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My contact information is as follows : XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I used my card on Thursday XX/XX/XXXX to make a purchase for {$7.00} from XXXX XXXX grocery store. Before making this purchase i checked my US Bank app to make sure i had sufficient funds, at that time my app showed that i had {$23.00} in my account. After the purchase of {$7.00} it showed i had a remaining balance of {$16.00}. I then made a purchase for {$9.00} at XXXX 's XXXX XXXX that evening. I should have still had money remaining according to what the app showed previously. I didn't think anything of it and didn't check my account again until the next day Friday XX/XX/XXXX around XXXX. At that time my account was overdrawn by - {$43.00}. I was definitely surprised when i saw that. I immediately called US Bank and was advised that when i made that purchase at XXXX grocery store i had overdrawn my account. As you can guess i wasn't happy, i explained to the customer service rep that according to my app i had the funds to cover the purchases i made. The rep told me there's nothing that can be done as that's not what they're showing on their end. I voiced to the rep that something was obviously wrong with their product, the app and that to me as a consumer that was deceitful, because it doesn't show the same information. I explained that according to my us bank app i had a balance of XXXX left after making that purchase at XXXX and that that was in the completed transactions sections not in pending. The completed transactions showed a balance of XXXX and then in the pending transactions you see my purchase at XXXX 's, a XXXX cents XXXX purchase, and then you see an overdraft fee in the amount of XXXX applied. which caused the initial overdraft amount of - {$43.00}, which included a XXXX charge of {$11.00}. I've called the bank 3 times since i noticed the overdraft and the company was unwilling to help me. I then contacted XXXX and XXXX and had the transaction reversed and moved to a different payment method. they were kind enough to refund me. On Saturday once the transactions started to post i was assessed another overdraft fee overdrawing my account in the total amount of - {$78.00}. {$72.00} we just in overdraft charges the other {$6.00} was actually money i ended up overdrawing. I went down to the branch Monday XX/XX/XXXX to pay the over drafted amount of - {$78.00} so that it didn't accumulate any further fees. I am disgusted with US bank and can not believe they do this to their customers. If there is another class action lawsuit due to their crooked practices i will be a part of it this time, if this is not 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 2021-05-25
Company: Experian Information Solutions Inc.
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 status incorrect

Complaint:
XXXX XXXX XXXX ( XXXX as it shows on my credit report ) is not properly reporting my account to XXXX  the same as it is reporting the account to XXXX  and Experian. Recently reached out XX/XX/XXXX to both XXXX  & XXXX to understand why my account is shown as a negative closed account while XXXX  and Experian are shown as a positive paid account. Neither party wants to take ownership and/or attempt to correct the issue. 

Have been disputing negative items on my account using XXXX  beginning around XX/XX/XXXX & with clear instructions to have these negative items removed the credit bureaus ( XXXX, XXXX  & Experian ) have yet to remove these items and are not following the law based on the Fair Credit Reporting Act which states information on my credit report must be reported 100 % equally across all three bureaus. There are clear inaccuracies with these accounts such as different balances being reported & account numbers not matching, and they have yet to remove them. I am on my 5th set of dispute letters with them & either : A. ) the accounts arent being removed based on the FCRA and/or B. ) remarks are being removed then placed back on my account with little to no proof that the information is accurate. I am highly disappointed with how the credit bureaus have been handling these disputes & demand they abide by the FCRA to resolve this 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