BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 recently applied for a credit card through XXXX XXXX. I am a XXXX XXXX  XXXX  who is about to begin XXXX XXXX XXXX  XX/XX/20 in New York. I was rejected for the credit card on XX/XX/20 ( and I have been rejected several times over the last 3 years without understanding why ). On this most recent attempt I called XXXX XXXX and was told that TransUnion reported that my debt to income ratio was too great because I will be paying between $ 8000-9000/month on my student loans, >2X my monthly income. This is absolutely incorrect. I applied for the income-based repayment plan which will allow me to pay as little as $ XXXXmonth. I tried to call TransUnion multiple times. Once I was told that my student loan debt wasn't showing up. Another time I was placed on hold for 5 hours when I requested to speak to a supervisor. I am incredibly frustrated and need someone to advocate on my behalf. Additionally, I told TransUnion that they have the wrong last name on file for me ( XXXX, instead of XXXX ) and they have not corrected it yet.

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 2020-11-23
Company: Data-Central, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Central Billing has placed collections on the Credit Bureaus for magazines that I never ordered and have tried to cancel many times. They are representing an organization named XXXX XXXX  XXXX XXXX XXXX XXXX. 

I was solicited by a magazine service by telephone in XXXX but did not agree to subscribe to magazine ( s ) through any service. This fraud has been ongoing for seven years. I received a number of copies of magazines never requested, without having ever subscribed I was billed by the magazine service without my knowledge or permission and attempted to stop the magazine charges several times to no avail. The charges did not stop. I have moved four times since then and this harassment persists. 

This is part of a nationwide telemarketing fraud scheme is being carried out by companies engaging in phony and fraudulent magazine subscription solicitation scams. These companies target elderly and other vulnerable individuals and trick them into unwittingly signing up for expensive magazine subscription packages. The scheme involves tens of thousands of victims and millions of dollars in losses. The FBI and U.S. Postal Inspection Service ( USPIS ) are seeking victims who may have been defrauded by magazine subscription services in this way, from XXXX to the present. The investigation has identified dozens of companies involved in fraudulent magazine sales located within the United States and internationally. https : //www.fbi.gov/resources/victim-services/seeking-victim-information/seeking-victims-in-magazine-subscription-scams-investigation. 

I am currently on XXXX with XXXX XXXX. I've seen the same information posted at the XXXX XXXX XXXX, including https : XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2018-07-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Experian has been reporting the same incorrect FICO 8 score for me since XX/XX/2018. I have contacted Experian via XXXX several times ; I have phoned Experian several times ; I have also submitted a written dispute with Experian ; and now a complaint through CFPB. Experian finally admitted on XX/XX/2018 that the incorrect FICO 8 score is Their technical error and they provided me with a case number. However, on XX/XX/2018, Experian now says the problem is with the XXXX XXXX XXXX ( yet Experian admitted it was their technical issue and had provided me with a case number only 2 weeks ago ). Still, I contacted XXXX and they informed me that the problem is Experian, both sending me in circles. No one adressing this serious issue affecting my ability to receive credit. Ever since Experian has been reporting this incorrect FICO 8 score in XX/XX/XXXX ( which they have admitted ) I have been denied a credit limit increase & denied a lower interest rate request yesterday, denied a vehicle loan in XX/XX/XXXX, denied a promotional credit card in XX/XX/XXXX. I have been practically begging Experian to fix this because my vehicle lease expires next month and I need to purchase reliable transportation. If this is not addressed and corrected by XX/XX/XXXX, I could also be denied a vehicle or given a very high rate which would be based on false information. Experian must fix this issue ASAP! Thank you

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 2020-01-24
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To whom It may concern A debt collector company I.Q. data International, INC contacted me through the phone on XX/XX/2019 to collect a debt. According to the IQ data, I owed XXXX USD for move out charges, damages, maintenance and repair to my former landlord, XXXX XXXX, XXXX. On XX/XX/2019 I sent a USPS certified mail ( # XXXX XXXX XXXX XXXX XXXX ) to XXXX XXXX to confirm this debt. Up to date, I never received any response from my landlord. In addition, IQ data never provided the name of the contact person at XXXX XXXX who contacted them after several writing requests. Furthermore, I asked in writing IQ data to send a copy of the incurred expenses ( maintenance and repairs ) receipts/invoices. But IQ data never provided any receipts to me as proof that such expenses occurred after my moved out. IQ data instead hand-circled number in my leasing contract and makeup a list of expenses which were very suspicious of any attempt of scams. Finally, IQ data reported this case in my credit record ( XXXX ). Im filing a complaint to remove this collection from my record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was disputing a charge with a card for XXXX and I had a disputed amount on the account. When I paid for most of my balance it did not let me specifiy which account to pay it to. I began accruing interest for a charge I believe was in dispute. I called and asked the bank to remove the interest charge so I can pay it in full. They refused and blatantly showed disregard for my concerns.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-22
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am being denied my free annual credit report from Experian and the weekly reports as a result of covid pandemic. I do not have this problem with XXXX or 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 2021-01-29
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a phone bill with XXXX {$400.00} which was created by error because XXXX refunded my payments in XX/XX/XXXX. Upon realizing the mistake, XXXX reached out to me through a collections company called Amsher Collections. The account was opened with Amsher as record # XXXX Opened XX/XX/XXXX, reported to credit agencies XX/XX/XXXX. Soon after I was informed about the bill, i immediately paid it off. Amsher collections agreed to delete this from my credit through the credit agencies. Today, account is still showing on my credit report and Amsher is now refusing to owner their commitment. They are sying, they never said that they will delete from my record. I am reaching out to you to help me get this deleted from my credit record because Amsher Collection agreed to do so and I honored my part and paid them immediately. Please assist so Amsher can get this record deleted from my credit report. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: CITIBANK, N.A.
State: AP
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Attached is the letter inquring about the account and to even settle because I have been disputing Home Depot for almost two years. The final letter recieved stated they are no longer attempting the debt and was written off but it shows on my credit report as a balanced owed.

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 2020-01-24
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I was denied credit on XX/XX/2020 from The XXXX XXXX based on information obtained through Equifax. After a review of my credit report I found that Equifax is still reporting inaccurate information. Their failure to correct my report has caused a delay in an offer for a job and now a denial of a credit card. Specifically they continue to report outdated, inaccurate, and incomplete information. 

XXXX # XXXX Reporting payment status as ( bad debt & placed for collection ) This account is paid in full and reporting on XXXX and XXXX as paid XXXX XXXX # XXXX The payment history is inconsistent, inaccurate, and Equifax legally failed to verify. 

XXXX has removed the payment history for this account as it could not be verified. 

In addition to Equifaxs data breach and other violations they have shown a pattern of neglect. Specifically, No response to disputes, Failure to investigate, Willful negligence. 

XXXX XXXX has also had a pattern of not responding and verifying information. The have an F with the XXXX XXXX XXXX for that exact reason. 

Overview of XXXX Ratings XXXX XXXX XXXX XXXX. 
Reasons for Rating F XXXX XXXX XXXX XXXX. 
Failure to respond to XXXX complaint ( s ) filed against business XXXX complaint ( s ) filed against business

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: SYNCHRONY FINANCIAL
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I have excellent credit, however all of my reports are frozen due to identity theft concerns. When I initially applied I was turned down and the letter that was sent to me said to unfreeze my XXXX report and reapply. I did this and was turned down again. I tried calling twice and finally got someone who said to unfreeze all three and try again. I did this and I am still getting immediately declined without being asked any questions etc. I have not received any other decline notices so I don't know why I am being declined and PayPal will not tell me over the phone. I am very frustrated. This credit is the only one I can use on XXXX so it's very inconvenient to not have it available.

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 2018-02-08
Company: Coastal Credit, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I purchased a used vehicle in XX/XX/XXXX, then got a divorce and my child support impacted me being able to pay for my vehicle around XX/XX/XXXX and called to voluntarily turn the vehicle in. They had the vehicle picked up and said they would send it to auction and I haven't heard from them since XX/XX/XXXX. Now in XX/XX/XXXX I receive a subpoena to court and reports to my credit that I owe them a balance of $XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had two accounts approximately 14 years ago by 2 different companies. They are off of my credit report and have been for quite a while now. I received 2 notices from midland credit management attempting to collect these very old, out of statute debts. My wife called because the letters are also in violation of the FDCPA as there is no disclaimer stating due to the age of the debt they can not sue, and there are also false representations in the letter as it's asking for payment but gives no information on how to dispute said debt. I have never made any payments on these debts since they went delinquent over a decade ago and when I asked for proof, the rep on the phone stated she didn't have that evidence. All she said was the statute isn't up until XXXX, but these accounts were opened circa XXXX and XXXX and went delinquent within the same year. I have not heard from anyone trying to collect for these debts in over a decade.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-23
Company: ERC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My XXXX XXXX XXXX phone service had technical difficulties from the start..i had many issues and my service rarely worked. I contacted XXXX XXXX XXXX   repeatably about my issues and they were never able to solve them. Then surprisingly My phone was lost and i used insurance to get a new phone. My bill always seemed higher than I was told and they shut me off because my balance was over {$500.00}. I couldnt make payments they wanted the balance in full which i could not afford. I had problems with my service since day 1 and had no luck working with XXXX  XXXX XXXX. There was no way i was going to come up with a lump sum of {$500.00} so i was forced to get a new carrier. I made it clear from the start i was not satisfied with no resolution. Now this debt collecting agency is damaging my credit so bad I dont even have a FICO score. This company is calling my mothers business and harrassing all of my family. I have been laid off and am trying to take care of what i can but this company is threatening and harrassing. This is not right at all. Their tactics are unprofessional, damaging and unethical in every way. On an account that is CLOSED they are still reporting it late every month on my credit report. How can they do that? It is lying.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. 

Here are the accounts that needed correction : XXXX XXXXXXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$390.00} This is my follow-up complaint in line with my prior complaint dated 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 2020-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On Saturday,XX/XX/XXXX, I made a phone call in the morning to the bank requesting the card to be changed to a different card that comes without annual fee, and got approved. However, the account didn't get updated at all since then. 

On Thursday, XX/XX/XXXX, I used online chat to connect to a customer representative, and learned that the product-change request was actually put on hold and was told this whole process might take 2-4 weeks, which is absurd and preposterous, and completely  unacceptable. 

Then I decided to cancel the account, to save time and trouble. Again, my request was approved, and I was told this change will be put in place within 24 hours. 

However, as of now, when I log into the online account, there is still no sign of updating or change to be made to the account, nor did I receive any confirmation email from the bank. I believe that once again, I was being played and tricked by their ruse.

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 2018-02-08
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I am complaining about inaccurate information reporting on XXXX and Equifax.THE ACCOUNT XXXX XXXX XXXX,acct no. XXXX.... has been disputed many times with both bureaus,the information updates yet is completely in error.Attached here is proof of the errors.Both the equifax and XXXX reports updated within the last two weeks are completely incongruous with each other.XXXX HAS CHOSEN TO DELETE THIS ACCOUNT TO MY SATISFACTION.XXXX shows a paid charge-off with only about 1300 dollars paid in XX/XX/XXXX.the auction value of the repossessed car was far in excess of that amount.EQUIFAX reports that the loan is a charge-off in XX/XX/XXXX when it was paid in XX/XX/XXXX.equifax shows a XXXX pymt in XX/XX/XXXX and a last pymt in XX/XX/XXXX.NEITHER OF THESE BUREAUS HAVE CORRECT FACTUAL INFORMATIONAND THEY MERELY PRINT AND PUBLISH THE INCOMPETENT REPORTER.it is obvious which XXXX discovered that this creditor can not accomplish accurate reporting on this account and must be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint:
On the XX/XX/2016 I closed my checking account and I did not receive the confirmation from the bank Wells Fargo.

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 2020-08-28
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan servicer, Flagstar Bank, incorrectly force placed flood insurance on my account on XX/XX/2020 for {$4200.00}. After detecting the error and contacting Flagstar Bank, they indicated a refund would be processed as they affirmed their error in not paying my existing flood insurance timely which caused the cancellation. It is important to note my account has escrows, the balance was sufficient to cover the cost of flood insurance and the flood insurance provider sent the renewal declaration timely. After checking my account to ensure the refund was processed, I discovered it was a partial refund of {$3400.00} on XX/XX/XXXX instead of a full refund of the {$4200.00} charged in error. I contacted Flagstar Bank again upon which they affirmed their processing error and initiated a research ticket to resolve and credit the account. I waited patiently for ~30 days and checked my account again to determine if the refund was processed. To my displeasure, it was not. I contacted Flagstar again upon which they affirmed the error and I requested the item be escalated and resolved by the end of the week. The end of the week has passed, I have not heard from Flagstar Bank and my account has not been credited the {$710.00}. While I understand the pandemic likely contributed to the issue as my policy expiration date was XXXX, I have made effort effort to resolve the issue with the servicer and feel this is the best course of action to draw attention to an issue that may be pervasive across mortgage servicers and ensure the {$710.00} is refunded in full.

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 2020-08-21
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern, My mortgage with Mr Cooper was in forbearance. By now I exited the program and made up on all payments that were missed totaling {$13000.00} I'm currently applying for a new mortgage loan and I need a letter from Mr. Cooper confirming that all mortgage payments are up to date and that my loan is no longer in deferment. 

I tried calling Mr cooper several times but I'm not being successful in getting this letter

Company response to consumer: Closed with explanation