BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-25
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 status incorrect

Complaint:
Credit Card XXXX with XXXX XXXX  was said to have been under a 2 month billing cycle extension in which the minimum payment was set to {$0.00} for the months of XXXX and XX/XX/2020. Additionally this account which already had a minute balance was paid completely as attached herein on XXXX XX/XX/2020 It is reflecting as 60 days past due on credit I have taken every reasonable remedy to rectify with XXXX XXXX  inclusive of 22 calls, 6 letters including 3 additional certified. Multiple correspondences to their executive relationships team even requesting legal and arbitration in accordance with the their terms of agreement and have yet to be provided such. 

They use what they classify as a confidential shared op to communicate in relation to customer accounts and advised while they did offer the same arrangements my account appears to have multiple inaccuracies and is confusing that is not my issue. They further state the employees were provided a coaching and training as my account was handled wrong though it is accurate. It is absolutely not accurate and this has caused me significant setbacks and become way more of a hassle for a {$200.00} balance than ever needed to be for either one of us. I was a customer for 8 years never 30 days late didnt start now Additionally you shared 4 different customers personal information with me when attempting to communicate and I had to advise your executives in your own office of such there was no apology no ownership no nothing but I kept those XXXX XXXX as well and will be sharing them online and in support of my own defense to show a routine pattern of oversights. This is so disappointing because prior to such time I had good experiences with XXXX XXXX. If a customer of 8 years can face such a messy situation I hate to know what other customers must be enduring

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX student loan reported missing payment trans Union which impact negative in my credit report.

The account being transfer from XXXX XXXX XXXX to 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 2020-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, BK OF AMER add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX XXXX XXXX XXXX  XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-10-13
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:
I applied for a XXXX  credit card a few weeks ago but I was not approved and when I received the letter in the mail stating the reason why I was not approved, it said that I was not approved for the credit card because there are accounts in negative standing on my credit report. I didn't know what accounts they could be referring to so I looked through my credit report and I saw two accounts on there that do not belong to me. The accounts are from these companies. XXXX XXXX XXXX for an amount of {$26000.00} and XXXX XXXX XXXX for an amount of {$4700.00}. These accounts do not belong to me ; I did not open them and I did not allow anyone to open them on my behalf. I do not have any written/verbal contract with these companies nor did I benefit anything as a result of thes accounts that were opened in my name such as money, goods, services, or any other benefit. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau.

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 2020-09-03
Company: ALAMEDA MORTGAGE CORPORATION
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I went through Alameda Mortgage Corporation to finance the purchase of my home. The original closing occurred in XX/XX/2019. Soon after closing, I was contacted by Alameda Mortgage Corporation that they needed to quickly refinance due to a glitch in their system in order to make it possible to sell the mortgage to a bigger bank. The refinance closed in XX/XX/2019 and my mortgage is now with XXXX XXXX. The original mortgage that closed in XX/XX/2019 was never released when the refinance closed in XX/XX/2019. I currently show two mortgages for the same parcel filed in the county I reside. I am currently in the process of negotiating a HELOC through another financial institution and in order to close, they need to have the release/reconveyance of the XX/XX/2019 mortgage from Alameda Mortgage Corporation. I have been contacting them on a daily basis for the past 3 weeks, the loan processor from the financial institution has also been trying to work with them on having this document filed. The law within the state I reside says that in the event of a refinance or when the grantee has satisfied the mortgage, the grantor is required to file a release of the lien within 21 days. This indicates that Alameda Mortgage Corporation should have filed the XX/XX/2019 release in XX/XX/2019. I was just notified today by Alameda Mortgage Corporation Chief Compliance Officer that the document will be finally be recorded today - 1 year and 2 months after it should have been, and I still have not received the actual document.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: CL Holdings LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a phone call last week stating I owe {$12000.00} for health insurance. I am a XXXX  employee and was a XXXX  XXXX before that - since 2010. I was XXXX before that. The XXXX/my XXXX XXXX  has always paid my medical insurance directly from my paycheck. Ive never requested additional coverage ( especially to the tube of {$500.00} a month!!! ) I dont owe this debt. They sent me a letter in the mail today. It hasnt gone against my credit yet - but Im afraid it will. I have over 800 credit score and have had for over 20 years. Im tried to call the company and no one is available to speak to me. Even leaving a message cant be done because the automated system hangs up on me. This letter demands I provide my full social security number, account number, a description of my complaint ( their errors ), the dollar amount I owe ( even through they told me what I supposedly owe but so not owe ), date of their error ( but I have no idea what this is about - first time I heard of this was last week when the lady told me I owed 12 grand and hung up ), and a copy of my credit report. Um. Not o my no, but XXXX no. Im not giving a random company all the info they need to steal my identity. They cant even get it right that I dont owe a XXXX ton of money for something Ive never purchased. This is obnoxious. I dont owe them anything yet they dont provide a means to speak to someone, and the burden is on me to chase them down and provide vastly personal information. Why would I trust them with this info even if I did owe money???? 
How can I get them to stop asking me for money I cant owe since Ive ordered {$500.00} a month medical insurance I didnt need?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-08
Company: LoanHero, Inc
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Loan Hero contacted me claiming/stating they was part of the federal government. They said that I can re finance my loans with the government. They stated that the service was free. They told me that I would have to make a separate payment and that payment will be the interest and that I will make a regular monthly payment for my loans. But the separate payment was n't for the interest it was for the fee they charge me to set up my repayments. After I made 1st payments and started receiving letters for the fed loans ( government ) they said that the service is free and that loan hero never should have charged me. Loan hero is using a collection agency to collect {$1300.00} from me. I attempted to not pay and tell them the service was suppose to be free and that loan hero lied to me / mis lead me but they threaten to ruin my credit if I did n't pay. They said they have all personal information including my ss #. 

Loan Hero mis lead me into thinking that the {$1300.00} was not a fee and it was part of my loan interest. But in reality the {$1300.00} was a charge for them to obtain my personal information and forwarded it over to fed loans ( Government ). Loan Hero charged me for a service that suppose to be FREE.
I did attempted to resolve this with Loan hero and XXXX XXXX XXXX. But companies threaten to ruin my credit, sue, etc if I did n't pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-16
Company: EQUIFAX, INC.
State: CO
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:
XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX, XXXX, TX, XXXX, has falsely reported to Equifax that I did not compensate XXXX for the amount of {$170.00} for service rendered between XX/XX/XXXX to XX/XX/XXXX at an address at which I have never resided. When informed of this collection activity, I called XXXX XXXX XXXX, explained I was unaware of and not responsible for charges at an address I knew nothing about. I was told at that time they would inform XXXX that I was likely a victim of identity theft, and the charges would be dropped. Instead, I find they have reported it as an unpaid collection item to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
First I traveled on foot to 3 different ATM locations listed on US Bank Reliacard 's website, but there was no ATM at one of the locations and the other 2 support various bank networks, but not US Bank 's. I created an online account and finally was able to transfer {$6000.00} to my actual chosen bank account XXXX XXXX XXXX XXXX I have since been unable to transfer ANY amount it keeps saying the " Debit amount exceeds the maximum transfer amount '' even though I did this the exact way before. I even lowered it to 1/3 the amount just {$2000.00} and it still says the same. When I call customer service and wait for the option to speak to someone I was on hold for an hour when it hung up on me. I called twice today and as soon as you choose the option to speak with someone by pressing XXXX, it hangs up. Yes I called back and the same thing happened. I thought XXXX XXXX XXXX XXXX was bad but US Bank has to be the worst!

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 2020-11-19
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Both customer reps from the 3 credit bureaus Equifax, XXXX and XXXX as well as the credit card companies XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX all acknowledged my accounts were innacurate. They all agreed to remove any and all delinquencies or derogatory information after citing the Cares Act and extenuating circumstances involving COVID 19. The virus created an unexpected temporary hardship. In essence, I was a victim of a declared national disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm having issues with the credit bureaus updating my current address and removing ones that are not mine especially because i've been a victim of identity theft and want to make sure my mail does not end up in the wrong hands again. It's been a total nightmare.

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 2020-11-19
Company: CARD Corporation
State: PA
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:
Today I have contacted y'all to see if y'all have got my disputes to claim letter I upload online on the secure document center on XX/XX/XXXX. Y'all agents told me y'all never got it, and I would need to make a new dispute. I have told them I had to upload it on my online account on XX/XX/XXXX, and I need to dispute XX/XX/XXXX XXXX XXXX XXXX TN the XXXX Purchase On card ending in XXXX - {$69.00} and dispute XX/XX/XXXX XXXX XXXX XXXX TN XXXX XXXX Purchase On card ending in XXXX - {$110.00} For cancellation services Both payments were made in card ending in XXXX, but XXXX got replaced with the card number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint:
In XXXX of XXXX I told ProCollect to Only discuss a debt I allegedly owe with my attorney after they dinged my credit without ever sending me a letter saying I owed the debt or verification of the debt. 

On XX/XX/2019, one of their employees called me and harassed me about this debt. I told him I had already in writing asked the company to only speak to my attorney. He hung up on me. 

On XX/XX/XXXX, I wrote ProCollect and told them that their employee broke the law and contacted me instead of my attorney. 

Today, ProCollect reported on my credit report that I had a LATE PAYMENT on this debt. This is a collection debt, I did not open an account with ProCollect and they still have not sent me evidence of this debt. 

Not only did they contact me instead of my attorney, now they falsely reported this alleged debt as having a late payment!

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 2020-09-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX, I came to Citizen Bank ( XXXX XXXX XXXX, XXXX, MA XXXX ) to open a Checking Account as I had received a promotion offer for. The promotion was for {$300.00} in exchange for a {$500.00} direct deposit within the first 60 days. On XX/XX/XXXX, my company deposited {$500.00} into my account, which should suffice. The clerk who helped me, XXXX XXXX ( XXXX ), reassured me that the {$300.00} will arrive around XX/XX/XXXX and that my Student Checking Account is eligible for this offer. I reached out to XXXX on XX/XX/XXXX and received no response. Currently, it is XX/XX/XXXX and I still have not received the money as advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2018.

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 2020-10-25
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A debt validation was sent to MIDLAND FUNDING as it reads on my credit report on XXXX, requesting documents to validate the debt in question in the amount of XXXX within a reasonable amount of time of 14 days. MIDLAND FUNDING LLC responses a month later with a document with two different names on it, MIDLAND CREDIT MANAGEMENT ( ALL CAPITAL LETTERS XXXX FOR THE HEADER, AND MIDLAND FUNDING LLC on the back of the document stating that there investigation on this matter could take up to 90 days. After this a complaint was filed with the CFPB showing that there document that was sent to me stated on the back that the account was charged off XXXX from the original alleged creditor XXXX XXXX XXXX XXXX XXXX, which was paid off from the very first day that my wet ink signature was given to them, without full disclosure provided to me on the real terms of the loan. so anything after this could not constitute a contract between me and MIDLAND FUNDING LLC. Recently MIDLAND FUNDING LLC responded to CFPB on XXXX stating that they were working on the dispute. In the meantime this debt has been removed from all three credit bureaus, and i have not received any CREDIT REPORTING REMOVAL documentation from them. It should not take 30, 60, 90, or 120 days to either send the proper documentation to validate the debt, or send the proper documentation to discharge this debt. you already have all documentation that is needed from certified mail and the previous dispute that is still open, so nothing will be uploaded in this complaint/.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2020-10-25
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX This account is not mine. This account is fraudulent. I have never had a loan with this company. 

Experian is not reporting and doing a proper investigation. They have not shown me proof of this account to be mine. They will not send how they came to the conclusion. They will not say who they talk too. They are relying on computer generated answers. They are not showing any proof.

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 2020-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

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 explanation
Consumer complaint received 2018-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
The 3 credit reporting agencies are continuing to report these accounts as accurate but they not. I have no knowledge of these accounts and asking that they be blocked from my report. And/ or I'm asking for PHYSICAL documentation of these accounts, XXXX XXXX for {$52.00}, {$56.00}, {$52.00}, XXXX XXXX XXXX {$880.00}, XXXX XXXX XXXX {$1000.00}, 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