BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-23
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: Account status incorrect

Complaint:
this complaint starts with CFPB complaints including XXXX, with incorrect late payment reports. this complaint was not adequately addressed with XXXX  and other CRAs, believing the complaint was not made by me, XXXX XXXX, and therefore was not addressed. Transunion and XXXX  also have not yet adequately responded. PLEASE HAVE CRA REPRESENTATIVE CONTACT ME DIRECTLY FOR COPIES OF SENSITIVE FINANCIALS THAT PROVE LATE PAYMENT REPORTING IS INCORRECT. ( the following was my feedback to complaint XXXX ) This complaint is mine, XXXX XXXX, and was written and furnished by me to the CFPB for their assistance in correcting wrong and derogatory reporting by these creditors, Mr XXXX, XXXX, and XXXX, to the CRAs. Please assist me and the CFPB in removing all reporting by these creditors. The creditor is not adjusting the reporting to CRAs as it might reflect guilt during this civil litigation and the issues are sensitive to the mismanagement of escrow funds and violations of RESPA, namely refunding surplus escrow funds. These are the primary reasons the creditor refuses to change CRA reporting and why I, XXXX XXXX, am asking the CRAs to work directly with me and my documentation that proves the mortgage servicer has always been in receipt of the monthly payment, or more, within 30 days of the due date. I am looking forward to a representative from each of the three credit reporting agencies to contact me directly at XXXX for copies of my financials, including mortgage statements, that will not be made public or shared with any other party.

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 2021-10-14
Company: DFC Global Corp.
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: Their investigation did not fix an error on your report

Complaint:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was checking my credit profile and was told that getting a small loan would help increase my credit score however I was told that advant did n't run a credit report but they did which lowered my score again my approval odds were in favor of me but came back that my score was to low now they have lowered it even more could they correct this problem they created

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 2018-08-20
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I received a summons that states I am being sued for an old credit card debt that the original company sold, and which I am unable to pay. 

I am XXXX, and my sole source of income is judgment-proof XXXX and Social Security. My XXXX is permanent, and there is no foreseeable change in my financial situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17
Company: Grant & Weber
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested debt validation from this collection agency that claims I owe them a debt. I requested debt validation on XX/XX/2019 via certified letter, on XX/XX/XXXX I received copies of simple charges the collection agency says I owe. They did not send any proof of a signed, legal document with my signature that showed the collection company and I had a legally binding contract. I want these fraudulent charges taking off my credit report so that I can purchase a home. Its disheartening that a collection company will just send a list of charges with no real proof that you owe them.

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 2020-05-02
Company: Bread Financial Holdings, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
They make it impossible to get into my account every time I try to into my account they make jump though hoops I have only one XXXX that I use ever

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: EQUIFAX, INC.
State: UT
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:
XXXX  & Equifax are both reporting this erroneous account for XXXX XXXX -XXXX - I am unaware of this and I have never got a notice regarding this debt. 
I have tried to contact XXXX  and it just goes to a recording and hangs up so I can not reach them. This is not valid and needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Flagstar Bank, N.A.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX Flagstar Bank purchased my mortgage from XXXX. In XX/XX/XXXX I was asked to provide proof of flood insurance. I contacted my insurance agent and they in turn provided proof of policy. later that week I received a letter from Flagstar stating that the policy ( which was the same I'd had with Amerifirst ) was not acceptable to Flagstar and that they had purchased/placed a flood policy on my residence. The letter dated XXXX showed a policy with effective date XX/XX/XXXX more than six months retroactive at a cost of {$2600.00}. My prior existing policy was still in effect during that time and there was never any indication that it was not acceptable. In fact, the existing policy had actually completely covered a flood claim on the property in XXXX of XXXX. How can I be forced to pay 6 months of coverage for time that had already passed when I already had coverage? This seems criminal!

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 2019-06-17
Company: ARS National Services, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter with my maiden name on it as a new account. Saying I owe {$820.00} when I called them to inquire and explain that I have not used that last name in 25 years. I had the letter and I read to them the account identification information on the letter. Despite providing the info on the letter they tried to gather my SS # and my date of birth. I then advised that as a debt collector you added what must be given to get information on this account yet you are asking for information you don't have to collect a debt. I then repeated the fact that the name is wrong clearly a fraud issue they refused to provide the steps to get this resolved and said they were not a debt collector rather a call center. I advised you are now concealing/ impersonating who you really are. they then hung up on me. Still have the issue and don't know what I should do now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There were fraudulent charges placed onto my Chase checking account, by someone else and the account was closed for no reason. The account number was XXXX. This account was closed about two years ago. I also disputed a battery that ultimately ruined my vehicle and my life and this company refused to give me a refund from XXXX XXXX as well as XXXX XXXX XXXX XXXX, NJ. I am shocked and appalled that this discrimination is happening to me. I am so very upset and saddened. I have a few complaints at this company and it seems as though people are trying to have me murdered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a dispute claim with PNC bank about a transaction with " XXXX XXXX '' for the amount of {$29.00} on XX/XX/2020. The product never came, I could not get a hold of the company that I bought the product from, and PNC denied the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: Experian Information Solutions Inc.
State: AZ
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:
Have written to XXXX, XXXX and Experian 3 times in regards to XXXX XXXX ( as well as several other issues on my credit report ). XXXX  took over 2 months to reply. Have not received much communication from Equifax nor Experian. IN regards to XXXX, above, this item was PAID, CLOSED and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT CLOSED IN 2016 AND PAID. I would request this be DELETED from my credit report as it is INACCURATE

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 2020-06-23
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was trying to open an additional separate account to save for a big ticket item and PNC has changed their security so Im unable to open an account through XXXX. Theres no way to open an account due to COVID precautions without me taking risk. Id appreciate the ability to open an account to put my savings into

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: SUNTRUST BANKS, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Please accept this Qualified Written Request for copies of any and all mailings sent via U.S.P.S. and or private overnight delivery provider ( s ) such as XXXX XXXX containing a delivery address of XXXX XXXX XXXX XXXX, XXXX, NC XXXX naming XXXX XXXX XXXX and XXXX XXXX, and or XXXX XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. Thank you - XXXX XXXX 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 2019-06-17
Company: HOVG, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A company called Bay Area Credit service has called me on 2 occasions. First from ( XXXX ) XXXX on XX/XX/XXXX XXXX. The second from ( XXXX ) XXXX on XX/XX/XXXX at XXXX XXXX. Then today, XX/XX/XXXX i received a letter listing XXXX XXXX XXXX XXXX as a creditor in the amount of {$1500.00}. 
The day i received the first call i contacted XXXX XXXX XXXX XXXX and verified i hadnt defaulted on any bills. Additionally i have a credit card receipt in the amount of {$1500.00} on XX/XX/XXXX. 
After the second call i explained i had no debts and if they contacted me again i would file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
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: Account status incorrect

Complaint:
SSN : XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit file. The item Im disputing is XXXX XXXX, accounting XXXX, as reported by XXXX XXXX XXXX. 

This delinquent account record is inaccurate because there was an error through the payment system for XXXX XXXX, my account was on auto pay. I am requesting that the account be corrected to show that it has always been current, with no record of being delinquent. 

I unfortunately have no record but the agent i spoke to on the phone told me that they will report to XXXX, Experian, and XXXX  that this account was never late. 

The late was for a membership fee and not any past debt as you can see my account was always paid on time and always current. 

Please investigate this matter and correct the disputed item as soon as possible. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17
Company: EQUIFAX, INC.
State: KS
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:
In mid XXXX, we sent credit investigation requests to Equifax and XXXX. We have yet to receive the results of those investigations and it has been longer than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
I received an IRS notification about a issue with my 2017 tax return. Capital One NA submitted a 1099-C on XX/XX/2017 showing a cancellation of debt for my wife XXXX XXXX SSN XXXX account info XXXX for {$1900.00} I let them know they sent this information to IRS themselves and I need to know what it is so I can respond to IRS appropriately through the attorney I had to hired. 

Supervisors have repeatedly told me they don't know what I am talking about and they can't find any information about my family but they won't give me any type of letter saying its a mistake or any correspondence so I can get this cleared up I need a letter from them stating its a mistake or they need to reverse whatever they sent to IRS in 2017 Respectfully XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: ERC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a email that my credit score went down and they found an open account. Someone recently opened a XXXX  account owing {$4000.00}. I never opened a XXXX  I only had XXXX  XXXX and just opened a XXXX acct. I tried to dispute the error but they said the information is correct. Some one used my ssn in XX/XX/XXXXto buy stuff with XXXX  its false and Im not paying {$4000.00} for something I didnt do! Who ever looked at my dispute need to look again anything I opened will be on my credit but XXXX  no it wasnt me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: Experian Information Solutions Inc.
State: KS
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:
In XX/XX/XXXX, we sent credit investigation requests to XXXX and Experian. We have yet to receive the results of those investigations and it has been longer than 30 days.

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 2019-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 following accounts are fraudulent : XXXX XXXX- {$510.00} XXXX- {$210.00} XXXX- {$780.00} XXXX XXXX- {$240.00} XXXX- {$210.00} XXXX XXXX- {$4900.00} XXXX- {$4300.00} XXXX- {$210.00}

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 2021-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I submitted a complaint that the denials on my Bank of America debit card. They declined the card and cost me XXXX dollars. Three people hung up on me after I told them this and they said they couldn't do anything.

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 2018-10-30
Company: LCO Financial Services, LLC
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
The organization goes by the name of Blue Trust Loans. I filled out a form posted on their website. Then I received a phone call from someone in their Customer Service department. They asked me to verify the information I had made online.They also asked what dates I was paid on. 

I was told that for the {$500.00} loan if I paid it back before the first payment was due I would owe {$650.00}. If not there would be 6 payments - the first {$150.00} and then 5 payments of {$160.00}. Which I have paid. The payments where taken by a company called Hummingbird. 

On XX/XX/2018 I went to my credit union to close the account for a reason not connected to this. Then on XX/XX/XXXX I got a phone call from Blue Trust that a payment was returned to them. I told them ( XXXX ) that I had made the 6 payments and had the transaction report from my bank. She proceeded to tell me that I owed another 6 payments of {$160.00} that is additional interest. I requested they send me an email that stated all this. It has never been received even though I have asked 3 times now. I told her that this was not what was explained to me and that my next phone call was going to be to an Attorney. 

On Wednesday XX/XX/XXXX they ( XXXX ) called on my employers main client line. 

They have been calling my cell phone from a " Private number '' and then leave a message with different phone numbers to call them at - XXXX and XXXX. 

They have shown that they are misleading on the loan and have a deceptive business 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 2018-10-30
Company: BB&T CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Our small payday lending business has been banking w/XXXX XXXX XXXX XXXX since they came to XXXX Kentucky market in 2015. They recently closed our checking, money market savings & affiliated Credit Card accounts providing no rationale except because they can. 

It appears this bank discontinuance action may be a residual of the " XXXX XXXX XXXX '' era of banking practices. 

Please review the attached detailed explanation letter I recently wrote to the FDIC, the Federal Reserve, and your interim Director as well as my state & Federal Legislators.

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 2019-06-17
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: Information belongs to someone else

Complaint:
SINCE XXXX OF 2019 I HAVE BEEN SENDING MY IDENTITY THEFT REPORT TO EQUIFAX ASKING THEM TO REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT PROFILE. I AM A VICTIM OF AN IDENTITY THEFT THEFT AND THEY HAVE ALL SUPPORTING DOCUMENTS TO HAVE THE ITEMS REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: Cascade Collections, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received notification onXX/XX/XXXX from XXXX XXXX that a new collection had been added to my report. I notified Cascade Collections that they were in violation of FCRA by email and did not receive any response nor did I receive any notification of the collection from Cascade. 
They gave impacted my credit report, have not sent me notification nor did they send me verification of the debt. 
The same complaint is against the original company XXXX who refused to send my text book rental back to me and claim I owe them {$260.00} for a {$20.00} textbook. They refuse to send me receipt or documentation for this debt. XXXX promised to send me back my book- they never sent it and claim there was a time limit on their gesture which is not noted anywhere on the email.

Company response to consumer: Closed with explanation