BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-03
Company: Experian Information Solutions Inc.
State: MS
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  reported me 30 days late in XXXX/XX/XX/2020. I contacted the company about the credit reporting of 30 days late. They informed me that they never reported me 30 days late. Despite them denying the fact that they reported me 30 days late in XXXX /XX/XX/2020, my credit report still reflects 30 days late in XXXX/ XX/XX/2020. Also, I filled out a credit dispute on the 30 days late with XXXX, XXXX, and Experian. My credit reports reflect that dispute was resolved, yet I still have 30 days past due showing on my credit report for XXXX/XX/XX/2020. This issue never was resolved. 
My credit score dropped over 60 points from this misreporting/ error on my credit report. I'm suffering greatly from this misreporting and have been denied for car refinance loan and debt consolidation loan due because the 30 days past due and my credit score dropping over 60 points. Lastly, I contacted XXXX in XXXX and XX/XX/2020 via phone and letter. I never received any correspondence from the letter to XXXX at all.

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 2021-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 have sent my new married name to Transunion to update 2 months it still has not been update. I have credit cards and installment loans paid in full and closed but they are still reporting them open with balances. 
Transunion credit score is XXXX points lower than XXXX and XXXX and TransUnion will not give me a valid reason why.

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 2023-10-12
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Trident Asset Management, L.L.C.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been disputing this collection account on XXXX since XXXX Once I dispute it within 1 week they come back as accurate information. Trident Asset Management is trying to collect on a remaining balance that is not collectable. XXXX XXXX Credit Card sent my account to the original collection company ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX in which XXXX collected for them on this debt. They settled with me for a lesser amount. The original amount was {$700.00} I paid {$560.00} on XX/XX/ which left a remaining balance of {$140.00} which I didn't have to pay because they settled. I have sent letters from this agency stating that I have settled my balance and I do not owe anything more. This company XXXX and Trident will not remove this balance of {$140.00} they are trying to collect which is not collectable since the account was Settled in full from my report. I have been fighting them since XX/XX/. Please help me get this error off my report and stop them from putting it back on and stop them from trying to collect on something they do not have a right to collect on. I have never ever received anything from this Trident Asset Management company this whole time. I do not know who they are or how they got ahold of my written off balance. Please help me I am begging 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 2023-10-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19
Company: EQUIFAX, INC.
State: LA
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 name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: TRUIST FINANCIAL CORPORATION
State: CT
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:
In XXXX, I took of a auto loan from Regional Acceptance. In XXXX I feel behind on payments. Regional Acceptance employed two men to repossess my vehicle. On Monday XX/XX/XXXX about XXXX XXXX   while waiting to go into work the two men blocked my car in when I was parked on the street and demanded I exit the vehicle. I was unaware of who these people were. I locked my doors. They men stated they were there to take the vehicle. At that time they said they would call the police and who would make me relinquish the vehicle. The man who called police told the dispatcher, " Its a 30 year XXXX male. '' Within 5 minutes about 6 patrol cars showed up. The Police surrounded my vehicle with their hands on their weapons. They instructed me that i must exit and turn over the vehicle or I would be forcibly removed and arrested. I was able to record the interaction on my cell phone. In fear for my life I complied and was told to leave the premises. The men then called for a tow truck and had it towed away. I contacted Regional Acceptance the next day told them what happened. Ive contacted them several times trying to get some resolve and I was told I would be called back or my complaint would be placed in a queue. The balance on the loan when reimbursed was {$27000.00}.

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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-01-12
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:
On the XXXX of XXXX I filed a claim with Bank of America for an unauthorized transaction. While I was at work, I lost my Debit card which resulted in unauthorized charges of {$1600.00} at a mall in XXXX XXXX, TX. I spoke with Bank of America today and they denied my claim, stating that I didn't report the charge in a timely manner. It was 3 days, and in that 3 days I traveled from XXXX to XXXX XXXX for work related emergencies. That {$1600.00} was strictly for my daughters new car and Bank of America won't help me at all. This is extremely hard times and {$1600.00} is a lot for me and my family. I don't know what else to do, please help me. Thank you Claim number with Bank of America 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 2015-10-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
STILL WAITING FOR THIS INQUIRY FROM XXXX TO BE REMOVED EVEN THOUGH EXPERIAN HAS LETTERS FROM THEM STATING IT WAS AN ERROR ON THEIR PART AND SHOULD NOT HAVE BEEN RUN AGAINST ME,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
Company: Convergent Resources, Inc.
State: AL
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:
I just recently checked my credit and noticed I have and XXXX bill if {$1400.00} that were open XX/XX/2016. I have no knowledge of this bill because I never used an XXXX account! This has an big impact on my credit because Im trying to buy a house and there telling me this about has to be removed or paid and I cant afford to pay for something thats not mines! Is there anyway you can look in getting this removed from my credit? I called them and they told me to file a report through you all.

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 2019-07-23
Company: LTD Financial Services, L.P.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Beginning in XXXX, I started receiving calls from a collection agency called LTD Financial Services about a debt I owed to XXXX. They indicated the amount but wouldn't specify what type of debt it was. I told them that wasn't my debt and I even called and visited the corporate office of XXXX to get proof that I had no debt on my bank records. I received a letter from them on XX/XX/XXXX but was postmarked XX/XX/XXXX. I have filed a dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am XXXX year old retired elderly woman living on a very small fixed income. I have a bank account with Capital One. I cancelled my services with the XXXX and the XXXX XXXX. Both the XXXX  and the XXXX XXXX said that they closed the account, and no more monthly debits would come out of my Capital One account. That was in XX/XX/2017. When I saw that funds were still being monthly debited from my Capital One account, Capital One said that they stopped payment and no more money wouldn't be debited from my account to XXXX nor the XXXX XXXX. In addition, Capital One issued me a new debit card for my checking account. However, even with the new card and Capital One stating that they stopped payment on the two accounts ( XXXX and XXXX XXXX ) each month funds are still going out XXXX  and XXXX XXXX.

I don't understand why Capital One is working for these two merchants against their own customer who they promised that they would stop payment.

Capital One is taking money out of my account unauthorized after I told them to stop payment to those two merchants back in XX/XX/XXXX, and Capital One issued me a new card saying that they stopped payment and it won't happen again.

There are some days that I can not eat because I relied on Capital One 's statement to me that they cancelled those two merchants from my account. Capital One has caused me so much problems leading to even physical problems for this unnecessary stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: GOLDMAN SACHS BANK USA
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Apple credit card account was closed on XX/XX/2022. I do not know what rules I violated and I reached out to support and they refused to explain to me the reason behind closing the account. I attached their email as well as my conversation with them through the chat.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Ray Klein, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On Tuesday, XX/XX/XXXX I called XXXX XXXX to check the status of a order of a SIM card that I had not received since I tried to order it almost three weeks earlier. I was informed by XXXX XXXX that I did not receive the SIM card because of a debt that had been incurred XXXX. 

According to the The Fair Credit Reporting Act of 1970 XXXX XXXX and Professional Credit Services are excreting unfair credit practices by ( 1 ) XXXX  XXXX  refused to allow me telephone services for a debt thetas ( 7 ) years old. Debt incurred in XX/XX/XXXX, of XXXX, and XX/XX/XXXX of XXXX made the debt 7 years old. 


Professional Credit Services XXXX XXXX XXXX XXXXXXXX, Oregon XXXX ; Account No. XXXX ; Debit from XXXX XXXX  XX/XX/XXXX - XX/XX/XXXX I am accusing both companies of violating my rights under The Fair Credit Reporting Act of 1970 and discriminating against me based on my age XXXX years taking advantage of me because of my age.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19
Company: DISCOVER BANK
State: AZ
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Please refer to the previous complaint submitted to CFPB. Case number : XXXX. Discover Bank official who responded to it few days back is lying. Today I received an email message via the secure message center and also spoke to Customer service at XXXX. I was told told in both the communications ( email and telephone ) that i will be getting the promotional bonus. 
XXXX XXXX to XXXX XXXX talked with XXXX. 
Confirmation # XXXX. 
called at XXXX Called from my cell phone XXXX XXXX confirmed the promotion code and all the details with me and she told me i will be getting the promotional bonus of {$100.00} on XXXX/XXXX/2015. Let 's see how much DFS keep up their words.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : PORTFOLIO Account Number : XXXX-XXXX**** XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-11-04
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2021, I entered Citibank in XXXX XXXX, CA and deposited a USD check drawn from a XXXX XXXX  for {$53000.00} into my checking account. I alerted the teller that the check should go through freework or collections. I anticipated up to a 1-month lag in being able to access the funds. At the time, I had around {$800.00} in this account. 
On XX/XX/2021, I checked my account online and saw that it was overdrawn by {$37000.00}. In the interim, I deposited an additional {$800.00} into the account, for a total of {$1600.00} of funds. 
On XX/XX/2021, I called Citibank and was told that there was an adjusting error that would be corrected within hours, and that I had {$1600.00} of funds available. 
On XX/XX/2021, I was now overdrawn by {$36000.00} and a check for {$240.00} that I had sent through the online banking system on XX/XX/XXXX was canceled due to lack of funds ( even though I had {$1600.00} on deposit ). I again called Citibank 's help number, and was told that the branch was at fault for withdrawing an unauthorized amount from my account, presumably in an error related to my depositing a foreign check, and that only the branch manager could assist me. I then called the branch directly, and I was told that no manager was available for the foreseeable future. I was not permitted to make an appointment to speak with the manager at a future date. 
I do not have access to the {$1600.00} I have on deposit, and I am being told that I owe the bank {$36000.00}, with no explanation given for why. My checks are bouncing due to this error, and I can not pay bills or access my account.

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 2019-07-13
Company: UNIVERSAL COLLECTION SYSTEMS, INC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have an old account with XXXX light gas and water. I received a collection from XXXX XXXX XXXX mid-XXXX. I set up a payment plan and have started paying. I received another collection notice about this same account from Universal collection agency in XXXX tn. Well not a notice, They report to my credit report without contacting me. I have already made arrangements to pay this with another collection agency. How can they sell the debt to two different agencies.?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Starting XX/XX/XXXX I applied for the covid-19 relief program with my mortgage provider LoanCare. It would make my payments lower and ease the burden during this time. While going through the process I did everything correctly, filled out all the paper work and gave them what they needed. I was told to wait 30 days before making my next payment because it would be the new amount and if I made that new amount payment each time in that program that it would be my new mortgage rate. I noticed that in XXXX it was showing I was deliquent in my payments, which I was not and I could not get a hold of any one to speak with to explain for a few weeks. I then spoke to a rep who said that everythign was fine and that happens because of the program but they are getting my payments. I started emailing Loss Mitigation at that time as well starting XX/XX/XXXX and I STILL HAVE NO HEARD BACK FROM THEM. I have called many times and gotten many different answers and information, I have emailed many times with no response. Their ticket system says someone will get in touch with me but they do not, I had to keep calling. This past week I got a hold of a representative who told me I had missed 3 payments, XXXX, XXXX and XXXX of XXXX. I was furious ... But I did what they told me to do and I sent them my bank statements that show all my payments were made. When I called back the next day to get a letter stating this mistake, for them to take this off my credit score and fix this I was then told by a manager on XX/XX/XXXX that I was given the wrong information and that I actually missed 2 payments one for XXXX and one for XXXX. I went back to my bank statements and emailed them again showing I have made my payments and that XXXX was when the covid-19 program was being processed so no payment was due. I was told to contact Loss Mitigation again and I explained no one has gotten back to me from them since XXXX. I made each payment on time and at the end of the payments in XXXX my mortgage went up by over {$400.00}. I am not in a situation where this is effecting my life and opportunities for me because it shows I missed payments which I did not and my credit score. I have never experienced this in my life! and I feel so helpless and then they raise my mortgage on top of it! I need help!

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