BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
There are several fraudulent unauthorized inquiries on my credit report. I have a police report on file with transunion as I am a victim of identity theft. These inquiries were not done by me. XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX. The account Showing on my report as XXXX XXXX is reporting inaccurate information. I have disputed this account with transunion several times and they will not update it to report accurately. My report shows that the last payment to XXXX was XX/XX/XXXX and the account as open however this is inaccurate. The account close date should be XX/XX/XXXX which is the date this account was filed in a bankruptcy. This inaccurate reporting makes it appear that I have been delinquent with them from XXXX when in fact the account was closed in XXXX and discharged in a bankruptcy.

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 2018-12-19
Company: ATHAS CAPITAL GROUP, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a mortgage with XXXX  XXXX XXXX. XXXX  XXXX XXXX transferred the title of the house to XXXX XXXX XXXX and I bought the house free and clear from XXXX XXXX. I used a hard money lender named Athas Capital and I borrowed {$130000.00} and purchased the home. Somewhere along the lines fraud came into play. XXXX XXXX XXXX says they never transferred the title to XXXX XXXX and that they still own the house. Meanwhile, I closed on the house with XXXX XXXX XXXX and Athas Capital and they say they own the house. Meanwhile, I have two banks saying they own the house and if I don't pay them, they are going to foreclose on the house. Now I am stuck paying 2 mortgages over $ 3000+ for a {$130000.00} house and I can't afford it. I have been asking both mortgage companies to figure out who owns the house but they both won't. I have been paying 2 mortgages now for almost a year and its really crushing me financially. Both of these mortgage companies have title insurance and one of them needs to exercise it and recoup their loss.I need your help to make them settle this.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recently a collection agency has attempted to collect a debt from XXXX  that wasn't mine for the amount of {$1300.00}. the debt was later discharged and affidavit and police report was given to that last collection agency that this debt was sold to by XXXX and was resolved so i thought. I now received notice from another collection agency ICSystems Acct # XXXX for the same debt and amount. this account was file as a identity theft claim. report was made regarding my identity with the Federal Trade Commission report # XXXX and police reports was made with my local police department for victim deceptive practices. XXXX is threatening my financial future as well as IC Systems. to attempt to collect a debt twice regardless of the fact reports was made for identity theft is unfair and breaks multiple rule according to The Fair Credit Reporting Act.

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 2018-09-03
Company: FEDChex Recovery, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The alleged company Fed Chex Recovery contacted me in XX/XX/XXXX regarding a textbook rental from spring XXXX, which I no longer have in my possession and believe to have returned at the close of that spring semester. The representative from FCR explained that the book was rented from a website called textbook rush, which is valid, but my account on XXXX XXXX shows no overdue books and I received no online correspondence in the three years since I rented books from that company to indicate that the book was allegedly overdue. It was already fishy that I was receiving calls about the book three years too late, especially considering the high late fee of {$500.00} when I rented the book for less than {$100.00} and paid for it in full, but in addition I called the Secretary of State in both states from which I received phone calls ( Nevada and Arizona ), and both Secretary of State offices declared that FCR was not registered as a legitimate business in their records. In addition, I checked my credit report in XX/XX/XXXX, and that credit report showed no record of debt for any textbook rental. I receive calls every 2 weeks from different phone numbers in different parts of the country claiming to be representatives of this FCR debt collection agency. I am currently reaching out to textbook Rush to make certain that no books are overdue on my record.

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 2021-03-12
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I'm enrolled in CIti Bank Auto Pay! 
Citi Bank Computers R Falsely list me as allegedly missing a payment! 
Citi Bank computers have been illegally harassingme about that! 
That is really ridiculous! 
Because Citi is supposed to automaticallyget the $ $ $ from my bank 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 monetary relief
Consumer complaint received 2018-09-03
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/2018 XXXX XXXX PayPal Placed a limitation on my partners and I account. They requested documents that I submitted and even have phone recorded conversations that the rep admitted that they received all documents he just needed for me to resend an invoice that he couldn't see it that well. On XX/XX/XXXX PayPal closed the account saying they didn't want to do business with our company and they were keeping the funds on hold for 180 days. This isn't right especially when buyers have agreed with our store refund policy which states they can get a refund in 30 days. My partner added me to the account before they closed it I have updated On XX/XX/2018 we spoke to an representative from PayPal about adding me XXXX XXXX XXXX to the account the rep said ok she would email us to show how to do this On XX/XX/2018 XXXX is when we received the email showing how to add a user to the account. There isn't any reason for PayPal to be holding on to the for 180 days. We are requesting for them to release the funds and may it available to use in the 30 days that the buyer has agreed to. This is the second time I'm putting this request in because PAYPAL LIED and stated I wasn't on the account as you can clearly see I was added before the account closed and I have several phone recordings.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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:
Im XX/XX/XXXX to XX/XX/XXXX I have a few late payments with CapitolOne due to change of employment & taking care of my sick grandmother, Ive contacted them to remove the charge off & late payments but they refuse & being non compliant, Ive also settled in the account so there shouldnt be any reason why they shouldnt remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
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 status incorrect

Complaint:
My Equifax and XXXX  report have my XXXX XXXX account stuck in a past due status. It was paid off in full when it was 60 days past due but it is still stuck in a 60 day past due status. XXXX has updated it to paid as agreed, but when you look at XXXX  and Equifax, they show the account as : account delinquent 60 days past due. 

This is hurting my credit score and it shows that I am currently delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: ERC
State: AL
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:
XXXX  opened a fraudulent account in my name. The person I spoke with in the fraud department said it could have been the person who lived here before me and they're placing the account under my name as a result. In order to have this account removed from my credit report, XXXX  is asking me to send them proof of residence which I don't have. They're telling me that they possibly mistakenly put this account in my name and the burden is on me to produce a document I don't have access to in order to have this fraud removed from my name. XXXX  sounds like a reckless company with unfair collections policies. Neither they nor the collections agency they've placed my account with have access to my account information because the account is too old. They can't even give me a complete address. The collections agency only has the city, state, and zip code. The collections company has no proof that I owe this debt and neither does XXXX XXXX. They're expecting me to jump through hoops to prove that I don't owe this debt but they can't even provide something as simple as an address where the service was supposedly installed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: Experian Information Solutions Inc.
State: GA
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:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

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 2021-05-06
Company: EQUIFAX, INC.
State: NC
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 have reviewed a copy of my credit report and I show company XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: EQUIFAX, 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:
XXXX XXXX XXXX allowed my ex husband to do a loan modification with only his signature on a home equity line that was court ordered to be refinanced and taken out of my name AFTER we were divorced 6 years. My ex husband then defaulted on that loan, it was sent to a collection company and both the late payments and the line of credit from the collection account are both appearing on my credit. I have all necessary court documents to provide as well as a copy of the fraudulent modification loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: Navient Solutions, LLC.
State: VA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The account reporting on my credit score is closed and it is " fraudulent '' and should not be reporting on my credit score. I want this account " DELETED '' from my credit score ASAP or me and my attorney will be taking legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: MIDCOUNTRY FINANCIAL CORP
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To CFPB I am writing to dispute and Complaint about Negative Unverfied and anauthorize, Collection Company Highly negative impact on my personal credit report Erroneous collection reporting to all 3 credit Repositories, XXXX XXXX  and XXXX intentionally places by the Collection Company XXXX XXXX, on or about XX/XX/XXXX, for unpecefied amount This companies hires 3 party Collections companies that as employed harrasment tactics to try and collect anauthorize unverfied debt, they claim I owe Unspecified amount but yet I was never informed of this alledge unverfied Accounts, XXXX XXXX employed Predetory Collection practices continue phone calls no proof of contract or Signiture or application no Verification of debt was ever sent to my home via USPS the Fair Debt Collection Practice Act 15USC 169q2 ) Sec809 ( b ) that there claim is disputed and validation Letter was sent to XXXX XXXX Certified Mail In XX/XX/XXXX.the Letter stating It was not a request for Verification or proof of mailing address but a request for Validation made pursuant to the above name title and Section please note this unverfied Collection has impacted my good credit standings severly damaged to and lowering my Credit score severely I am XXXX Military Veteran this is a Hardship to my self and my family trying to obtain financing because of the Detrimental Collection placed on my credit file by XXXX XXXX , Relevant to this hurtfull continued Phone harrasment to my self and family members they continue there Phone calls and frequently change there Collection tactics, My family And I feel Violated by Predetory acts, with no regards to privacy a Defamation act tactics very stressful event on my consumer rights to challenge such a flagrant disregard they listed a Derogatory And mark my credit reports as a Collection, With prior notification or veryfying this claim, XX/XX/XXXX to XX/XX/XXXXone year and they never legally provided proof in writing to my residence.I am Requesting that they contact the 3 CRAs Repositories XXXX, XXXX, And XXXX  And emedietely Delete this erroneous entry in my credit report.. thank you for letting me post this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
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:
Medical bill was reporting to XXXX XXXX XXXX and XXXX. I contacted Eastern account To report the medical bill has been paid in full. They would not help me. I contacted XXXX XXXX and it has not been updated I cant get in touch with XXXX theyre always trying to sell me something instead of updating my report per my request. Should eastern accounts correct send a updated account history to thr credit agencys that it is paid. They are quick to send the bureaus that I owe money but when I ask for them to report to the bureaus I no longer only money they give me pushback it will not help me. Is that illegal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: Experian Information Solutions Inc.
State: TX
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:
Experian continuously reports inaccurate information on my credit report, including a bankruptcy after requesting proof of validity and verification multiple times. 

I followed their processes and disputed this inaccurate information multiple dates including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX via certified letters and by following their disputing process online as well. 

Experian has no right to maintain information which the government has deemed nonexistent. Inaccurate information or case, civil or otherwise, which is dismissed and was not adjudicated. 

Pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, Experian is refusing to delete this information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-03
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I took out 2 checks in the amount of {$240.00} each, I paid them both back twice, borrowing the same amount each time. I could not pay them back and I have been asking repeatedly and told by customer service that if I waited that I could set up a payment plan through collections but instead the company is calling my friends, and even my spouse who was not on the referrals list so they should not contact him at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have had a hard time logging into and receiving customer service from my credit card company. Several months ago, I tried using the online chat to discuss my issue with their representative. Every time I would ask my question about a late fee, my chat would be discontinued. It was so frustrating. 

After the third time, I finally submitted a request to cancel my card, explained why I was having a problem and then requested someone - anyone- to PLEASE contact me because I couldn't get through to a human being. 

I got a notice a month later that there was a late fee of {$20.00} applied to the account. 

Fine, I tried to go online to pay the account - but I don't have my credit card anymore so I can't put in the number to access the account. 

I tried to call, when I put in my social security number and zip code, they can't find my account! 

They connected me to an actual human being and she couldn't hear me. As soon as she got on the line she just kept saying " Hello? Hello? Hello? '' I have small children at home. This is ludicrous - how can a business operate this way? 

Today, I got ANOTHER notice from the card company and they've applied another {$20.00} fee. 

I tried once agin to use the chat tonight to talk to the account representatives - SAME THING HAPPENED where they connect, tell me they are reviewing my question and then disconnect without helping me at all! 

So {$40.00} in fee for a card I've canceled, can't use and can't contact the credit card company about! 

This is such a horrible scam I am ashamed and outraged I fell for this credit card company 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 monetary relief
Consumer complaint received 2021-09-22
Company: Upstart Holdings, Inc.
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
I am writing this mail to notify you that, I received an SMS notifying loan from Upstart and I proceeded with it. I selected XXXX as the loan amount. Further, they asked me to pay 2 % of the loan amount I was receiving which is XXXX. Then, by mistake, I entered my name in the place of the bank name. They told me to pay XXXX to unfreeze the account and remit the money in my bank. Later, they said there is a risk factor and told me to pay an insurance amount of XXXX. I paid for that too. Soon after, they told to me pay the first installment in my wallet to remit the loan amount. I paid XXXX to the wallet again. So, I have paid a total of XXXX. Then again, they asked me to pay the second installment which is XXXX. I felt cheated and suspicious and didnt want to pay money anymore. I have asked for a refund and they said it will be refunded after a month. But I dont trust them. Please do help me get the MONEY I have paid. XXXX  was the last hope for me since all the numbers and mail IDs of theirs turn out to be fake too. Since Upstart is accredited with XXXX, do help me get back my money. I am in a serious emergency and have a family to take care of. Please help me with this. I am attaching all the payments I have made to this mail. Please help me out with this.

Company response to consumer: Closed with explanation