BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-03
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: Investigation took more than 30 days

Complaint:
On XX/XX/2020, I sent a letter regarding innacurate and unknown thing on my credit report to the XXXX bureaus, XXXX XXXX Transunion. To this day over 45 days later I have not received a response yet. Section 611 ( a ), stated that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report that was inaccurate and unknown that I was disputing. It has passed the legal limit stated by section 611 ( a ) so it should be removed immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: SUN WEST MORTGAGE COMPANY, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2020 I paid off loan XXXX and have not received my XXXX escrow balance. Sun West is unfairly keeping the escrow despite even showing it on my XXXX tax return as refunded. This is outright fraud and deceptive and should be evaluated as a Consent Order and Enforcement action against Sun West.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: CITIBANK, N.A.
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I did a mobile deposit for my XXXX  stimulus check and received my debit card and activated it, as soon as I activated it they put a hold on it and say they can't release it because my phone number, which is on my account, isn't found with my name when they use some 3rd party search thing.

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 2020-11-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have asked for this account to be validated multiple times, All i ever received wa the letter i attached below ... ..I was never sent a copy of my wet signature signed contract ... The amount due on the document XXXX sent to me does not match the amount of the balance on a my credit report says how can they claim that they investigated this properly and that it is reporting 100 % accurately? I have attached a few of the letters that i have sent all 3 credit bureaus as well as the letters i directly sent discover via usps ... ..i have also attached a copy of my credit report with multiple differences reporting between the 3 bureaus and multiple violations in the reporting..this account has been re-aged, how are they reporting a credit limit on a charged off account? the high credit limits dont match, date of last payment does not match and im sure there are more that i do not know about ....

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 2020-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have asked for this account to be validated multiple times, All i ever received wa the letter i attached below ... ..I was never sent a copy of my wet signature signed contract ... The amount due on the document XXXX sent to me does not match the amount of the balance on a my credit report says how can they claim that they investigated this properly and that it is reporting 100 % accurately? I have attached a few of the letters that i have sent all 3 credit bureaus as well as the letters i directly sent discover via usps ... ..i have also attached a copy of my credit report with multiple differences reporting between the 3 bureaus and multiple violations in the reporting..this account has been re-aged, how are they reporting a credit limit on a charged off account? the high credit limits dont match, date of last payment does not match and im sure there are more that i do not know about ....

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 2018-03-28
Company: SMS Check Recovery LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
States he is from XXXX XXXX XXXX. States my husband and I are going to be criminally charged for payday loans taken out in 2015. I told him to send me paperwork. They have called my mother in law three times now and both of our employers. I told them this is not allowed. Plus they are not allowed to call them more than once. He is threatening criminal charges which is also illegal. I told him to send me paperwork to verify his claims. He told me good luck. I know they can not threaten criminal charges on a payday loan. I also know payday loans are illegal in my state. I can not recall taking these out. I do not appreciate them breaking the law and trying to blackmail me to get me to pay. He said his personal phone number is XXXX

Company response to consumer: Untimely response
Consumer complaint received 2018-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 appears to be a couple fradulent accounts that were opened at a previous address of mine. Ive constantly contacted the companies as well as contacted my local police department. It was XXXX XXXX opened XX/XX/2015 with a balance of {$2900.00}. Also, a XXXX XXXX account opened XX/XX/2015 with a balance of {$450.00}. Theres also a XXXX account showing in collections with No balance which doesnt even make sense

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 2017-08-02
Company: United Consumers Inc
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A collection showed up on my credit report. Prior to this I received no notice of a debt owed, explanation of what it is for your the dispute process. The amount was just added to a previous bill already with the same collection company.

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 2021-02-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
A Bankruptcy showing on my report is in accurately reporting om my file and is not mine, i contacted the Bankruptcy courts and they said they did not furnish this information to Experian, XXXX, XXXX, i have uploaded my letter in regards to this file.

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 2019-11-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX  account was already removed

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 2019-10-29
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
As i have stated previously, this account from DISCOVER FIN SVCS LLC as of XX/XX/2018 until now keeps showing up and demolishing my capabilities of life advances when i have shown and sent in Documents as result of Identity theft. Please Block, and eliminate this Fraudulent account from my reports especially on my XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-11
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Upon reviewing personal credit report, found entries from Capio Partners. I had received no information from this company referencing the debt, or letting me know that I owed a debt. Mailed a letter to company at the address listed on the credit report entry, and company has failed to respond or give any information as to the validity of the debt claimed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-02
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XX/XX/XXXX TO : Consumer Financial Protection Bureau, United States of America FROM : XXXX XXXX. XXXX XXXX : Experian Credit Report XXXX CA XXXX XXXX XXXX XXXX Account # XXXX Dear Friends of the Consumer Financial Protection Bureau. 

I object and take issue with Experian Credit Reports Membership program. 

On or about XX/XX/XXXX, I requested a free credit report. I agreed to a charge of about {$1.00}. 

As of XX/XX/XXXX, I discovered that Visa charged my credit card in the amount of {$22.00}. I discovered that I had agreed as of XX/XX/XXXX, to not only pay {$1.00} for the initial free credit report, but that I was to be enrolled in XXXX XXXX XXXX, wherein my Visa credit card would be charged {$22.00} as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and every month thereafter. 

I called VISA and objected to the XXXX  XXXX XXXX   for the following reasons : 1. I did not KNOWINGLY agree to Experians reoccurring membership program / fee of {$22.00} ; 2. The {$22.00} reoccurring fee was NOT clearly disclosed ; 3. The Nature of the unending reoccurring fee charge was not disclosed ; 4. Experian as a Fiduciary breached its duty to the public of conducting a fraudulent and misleading business practice. 

I called Experian ( i.e., XXXX, XXXX, XXXX and XXXX ) ( XX/XX/XXXX ) : 1.0 Experian agreed to cancel my membership 2.0 Experian agreed to refund only one ( 1 ) of three membership fees 3.0 Experian rejected my request of full fee recovery 4.0 XXXX ( Experian Membership ) failed to refer me to US CFPB upon my specific request for further review and appeal. 

I respectfully request that all prior Membership fees be credited to my Visa Account. I request confirmation that Experian has in fact cancelled my Membership program. I ask the US CFBP to seek an injunction on Experian to immediately cease its fraudulent business program and seek restitution to the millions of American who may have succumbed to Experians fraud. 

With Respect, 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 2019-10-29
Company: CITIBANK, N.A.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was never on the account. The other negative items that was reported on my behalf has already been corrected. I only have a single inaccurate account. Please help me have this deleted. Thanks

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 2018-02-12
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a letter on the date of XX/XX/2018. In the attempt to collect a debt in the amount of {$600.00} my credit report was sent to XXXX XXXX XXXX. I would like to have this matter taking care of please.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Netspend Corporation
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
XXXX OWNS SEVERAL PREPAID CARDS e.g. XXXX/NETSPEND/XXXX ETC..

I JUST FINISHED MY TAXES ON XXXX XXXX AND WAS GIVEN THE OPPORTUNITY TO GET A NETSPEND ACCOUNT WHICH WAS SEND 3 DAYS LATER! USED THE ROUTING A ND ACCOUNT NO TO HAVE TAXES FOR STATE AND FEDERAL TAXES DEPSOIT INTO NETSPEND, ON THAT DAY I TRIED TO ACTIVATE CARD AND WAS TOLD I COUNLD'T HAVE A NETSPEND CARD. AND NOW HAVE MY REFUNDS GOING TO THIS ACCOUNT.

ROUTING NO.XXXX

ACCOUNT NO.XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not 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 2020-05-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/XXXX I HAD NO VERIFYING QUESTIONS. USAA DELETED MY PROFILE CLAIMING THEY COULD NOT VERIFY ME ANYMORE AFTER 35 YEARS OF VERIFYING ME. XX/XX/XXXX USAA tried to take advantage of my age & disability tricking me into sending them my drivers license to RECOVER MY PROFILE they claimed. USAA OPENED AN ACCOUNT IN MY NAME I DID NOT OPEN. THEY CLAIM IT WAS OPENED BY PHONE WITH NO VERFYING PHONE NUMBER OR VERIFICATION IT WAS ME XXXX. USAA NEEDED MY DRIVERS LICENSE TO VERIFY I OPENED THE ACCOUNT. I SAW WHERE THEY WERE GOING WITH THE SUDDEN REQUEST OF MY LICENSE AFTER 35 YEARS. I DEMANDED USAA PUT THE REQUEST IN WRITING WHY AFTER 35 YEARS VERIFYING ME USING MY PROFILE I WOULD NEED TO RECOVER MY PROFILE. USAA REFUSES TO REQUEST THIS DOCUMENTATION IN WRITING. WONDER WHY IF SO NEEDED? USAA NOW SAYS THEY DO NOT NEED THE LICENSE SINCE THEY WOULD HAVE TO PUT THE REQUEST IN WRITING. HUH? I DO NOT TRUST USAA. I AM AFRAID OF THEM AS I WOULD BE A CRIMINAL. USAA PROVIDED FRAUD CREDITS {$460.00} XX/XX/XXXX FROM FRAUD OF XX/XX/XXXX. TWO YEARS LATE!! XXXX USAA DESTROYED MY EXCELLENT CREDIT COLLECTING ON THIS ID THEFT. I WILL NOT ALLOW MY HEALTH TO BE DESTROYED FROM USAA ABUSE AFTERMATH OF THE LACK OF ID FRAUD THEFT RESOLVE ANYMORE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I received a US bank ReliaCard Debit VISA for Colorado unemployment payments that was not requested by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I recently pull my credit reports, and I discovered that XXXX XXXX XXXX account number ending XXXX was still showing as the delinquent for 30 days I would like to see about getting updated account information because I noticed that the account was reported 30 days late although I was consistent with my account and it was a switch over with purchasing a new car it should have never been on my report. Per section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act, you are required by federal law to verify all accounts post it to my credit report, to report accurate information. I request all verifiable proof you have on file for the late payment listed on the following account with XXXX XXXX XXXX. This is the Liquid account record is inaccurate and I request that the following amount be validated and properly removed I am also requesting updated information within 30 days from this notice I also have Supply proof in the documents below that several telephone numbers and information and addresses and name spelling multiple name spelling or inaccurate as well Items that XXXX XXXX XXXX XXXX XXXX # XXXX Name mispelled Telephone numbers removed XXXX XXXX XXXX Promotional inquiries shared info without consent I never did business with any of those companies XXXX XXXX XXXX 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 2017-09-14
Company: Early Warning Services, LLC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter requesting removal of the XXXX XXXX XXXX account because the negative listing is inaccurate and has not been verified. I sent the letter on XXXX/XXXX/XXXX and it was sent via the Online Consumer Portal. I received a confirmation notice via email that XXXX XXXX XXXX XXXX received the letter on XXXX/XXXX/XXXX. It is now XXXX XXXX, XXXX and I have not received a response. 

As there has been no communication from Early Warning, I can only conclude that they do not have the information available to prove the negative listing from XXXX XXXX XXXX. Because the negative listing remains in my file, I must also conclude that they are reporting this information in error. Early Warnings failure to respond to my request in a timely manner is a violation of the FCRA, as is the continued listing of inaccurate and unverifiable information in my file. 

Per the FCRA Section 611 ( a ), Early Warning must now delete the unverified listing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Rocket Mortgage, LLC
State: IL
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:
On XX/XX/2020 Quicken Loans called me and started asking a line of questions in regards to my property and what I think the current market value of my home is worth. 

They did NOT inform me that I was speaking to a licensed loan officer XXXXXXXX XXXX XXXX nor did they imply in any way I was answering questions for any application. 

They were simply asking me questions about my current mortgage and going over my property value and current interest rates, and they told me that they needed to ask me for my personal information for security reasons. 

I absolutely DID NOT, in any way shape or form give them permission to pull my credit. 
I did not ask them the refinance my home. I did not ask them to see if I qualify. 

XXXX XXXX  from Quicken Loans pulled my credit without my permission and did not inform me that she was doing so on the call. 

Then I spoke to her associate XXXX XXXX from quicken Loans right afterwards about the situation and told her what happened and she assured me that they would remove the inquiry. 

She requested that I send them a written request for the inquiry to be removed, and I sent them a letter via email. 

They did not comply and the inquiry remains on my report till this day. I would like this inquiry removed from my report immediately. 


a. Date of Inquiry ( XX/XX/2020 ) b. Company name on the inquiry ( Quicken Loans/ XXXX XXXX  ) c. Request to delete the inquiry

Company response to consumer: Closed with explanation