BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-12
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
When living in the apartment of XXXX XXXX at XXXX XXXX back in XXXX I had a balance owed of {$270.00}. This amount was paid in full as of XX/XX/XXXX, I was provided a proof of payment letter and submitted to all three credit bureaus. Unfortunately the only credit bureau that removed it was XXXX XXXX. 

Can you PLEASE assist me with helping dispute this item on my credit with Equifax and XXXX. They should have deleted this item Just like XXXX but they are giving me an extremely hard time- My credit along with finding a place to stay is suffering from this.. That you so much.. 

Info you may need pertaining to bill ; XXXX XXXX a XXXX XXXX XXXX   Agency name paid in full to : XXXX XXXX. 
Sub # XXXX Date Assigned XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-02
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: Their investigation did not fix an error on your report

Complaint:
I contacted Trans Union by certified mail requesting they provide proof of contracts between myself and the companies listed under collections on my credit file that are reporting negative information on my file. I requested to be provided with contracts between these companies and myself or for it to be deleted upon failure to produce said contract. This was my second request. They closed the dispute and said it completed and information had been verified and updated in my file. The first company listed on the letter received back from them, and which was also included on my dispute letter is XXXX XXXX XXXX. Trans Union didn't provide any proof of contract with myself and XXXX XXXX XXXX as requested, and closed the investigation as verified and updated. The second company which is listed TWICE on my credit file is XXXX XXXX XXXX. Trans Union updated the Loan Type, Date updated, and Remarks and closed the investigation as verified.The third company is XXXX XXXX XXXX. TransUnion said in the letter that this was verified as accurate. The final company is Fair Collections and Out. Trans Union stated this was verified as accurate, and stated other information has changed and closed the investigation. I have attached the letter that was sent to them in which I requested proof of contracts between myself and the companies listed above or deletion of this derogatory information in my credit file, as well as the investigation results they have provided which were unrelated to my dispute!

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 2020-05-17
Company: CITIBANK, N.A.
State: MA
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:
Had a substantial minimum payment due on credit card. Went and made the payment, unaware that even though I'd made the payment they would still try to debit the automatic minimum payment due regardless of whether it had been paid yet or not. Because that amount was more than what was in my checking account ( again I'd already paid that amount ), that bounced and I got charged {$29.00} by the credit card company for the bounce and {$34.00} by the bank ( same company as credit card - Citi ). I called and talked to them so I understood and I could deal with that. However when on that call the CSR did NOT tell me that the minimum payment would try to be put through again automatically. It did and I got dinged another {$29.00} and XXXX $ ( now up to {$120.00} ). I called to complain about that, could not get through, went on chat and compained there, no one responded, but I did see a {$34.00} credit on my bank account Then again today I get another message that said the minimum amount ( it's over {$2000.00} ) was tried to be put through AGAIN. And voila another {$34.00} charge on my bank account. I don't know when this will stop. Tried again to get through via chat ( which is what they are recommending ) and it won't connect. The idea that a minimum automatic minimum payment will be put through EVEN IF THE MINIMUM PAYMENT HAS ALREADY BEEN PAID is suspect and it occurs to me is designed to generate more fees for the company unnecessarily and at consumers ' expense. I could turn off the automatic payment and then that could generate late fees for them. I have other cards that don't do it this way - they only take the automatic minimum payment if there is any amount left due on the minimum payment, otherwise they don't take 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 2023-02-27
Company: Experian Information Solutions Inc.
State: PA
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:
Victim of identity theft through XXXX collection accounts that I have never used. I tried resolving through the companies directly to no avail.

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 2019-08-12
Company: MONEY SOURCE, INC., THE
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am receiving mortgage collection calls from The Money Store and it's debt collection companies for an employee of my company. After I had received several calls and messages, I contacted them in XXXX and again on XX/XX/XXXX. I requested the removal of my business line from the employee 's personal mortgage account and from the company 's general records. I also contacted the employee to request that he call the vendor to remove my business phone number which has never belonged to him. He assured me that he would. 

I contacted the employee again on XX/XX/XXXX and advised that they were still calling. He has " contacted any attorney ''. 

I received another phone call this morning, XX/XX/XXXX, without a message ; just some background noise. I called back and spoke with XXXX at XXXX. She stated that she would add this phone number to their internal Do Not Call List. 

The Money Store must stop calling my business line for debt collection that has never belonged to me at a phone number that has never belonged to a debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
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: Personal information incorrect

Complaint:
I requested a credit report from each of the three major credit reporting agencies ( CRAs ) in XXXX of 2020. On review, I noticed that Equifax was reporting an incorrect date of birth ( the other two CRAs had my correct DOB ). As a result, I opened an online dispute with Equifax ( Confirmation No. XXXX ) on XX/XX/2020, asking them to correct the error and supplying them with my correct DOB, and with a copy of my drivers license showing my correct DOB. After waiting 60 days for a response and not getting one, I again visited the Equifax website and saw that : ( 1 ) they had opened and closed my dispute on the same day, and ( 2 ) that they had not corrected the error. Consequently, I filed a new dispute with Equifax ( Confirmation No. XXXX ) on XXXX, 2020, again supplying them with my correct DOB and a copy of my drivers license showing my correct DOB. In less than 24 hours, I learned that Equifax : ( 1 ) again opened and closed my dispute on the same day, and ( 2 ) had not corrected the error in the report -- the credit report they supplied still contained the incorrect DOB. I believe Equifax is violating the FCRA by : ( 1 ) failing to conduct proper investigations into disputed information, and ( 2 ) failing to correct errors in credit reports after being provided with information establishing the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Experian Information Solutions Inc.
State: FL
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:
IVE HAD THE CHANCE TO REVIEW MY CREDIT REPORT AND I STUMBLED UPON A FEW ACCOUNTS THAT ARE REPORTING AS DEROGATORIES. THIS HAS CAUSE MY CREDIT SCORE TO DEOP TREMENDOUSLY. IT IS NOT FAIR TO ME BECAUSE I HAD NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL FILE. I HAVE NO KNOWLEDGE THOSE INACCURATE FILES AND I AM REQUESTING A REINVESTIGATION INTO THIS MATTER. PLEASE HAVE THESE DEROGATORY ACCOUNTS OFF MY CREDIT 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 2020-12-08
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I review a current copy of my credit report and I show inaccurate information listed on my credit report. I sent dispute to request verification of account and have not received and dispute updates per FCRA. this creditor XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) is showing as a charge off on my credit report and reporting a balance due in the amount of {$480.00}. Per the FRCA and FDCPA no charged off account can list an amount in balance on any credit report. It must show a balance of {$0.00}. below is the creditor information. 

Creditor : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account number : XXXX Balance showing : {$480.00} which is inaccurate credit reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: EQUIFAX, INC.
State: OH
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX and ( Original Creditor : ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been banking with bank of AMerica for a while now and i have been receiving direct deposits and my paycheck goes into that account. I received some funds which i needed to withdraw however bank of america placed my account on hold to investigate the transaction. I have no issues with that as it was legitimate and also explained why it was sent. I have cooperated with all their investigations/requests etc which supposedly only takes 3 to 5 business days. Unfortunately while the hold was placed on my account my paycheck was paid in. After the 5th business day i contacted the bank and i was told to wait 30 more days to make matters worse i was told to " make other arrangements ''. How exactly was i suposed to do that? How will i pay my rent? My bills? I explained this to them but they said they can not do anything, asked they just give me the paycheck while they do their investgation but they said whilst its ongoing they are unable to do anything. I have never, in my 10 year credit history, missed a credit card payment, unfortunately due to my account been frozen, i will be inccuring a non-payment report. I am extremely frustrated, worst part is no one is able to give me an answer as to what is going on, when i ask to speak with the department doing the investigation i am told they are an unknown entity that does not have a phone number. Please help before i am evicted amongst several other things

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 2020-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX, someone allegedly opened up an XXXX XXXX XXXX account in my name. The initial use of the card was {$54.00} at first, below is the current for the transaction information on my credit report. I contacted the XXXX XXXX and they stated, as I know to be true, my account with them was paid off and closed by them in XXXX. It is pure nonsense for them to close my account and then allow me to reopen another one less than 6 months later. I spoke with a representative on the phone and she stated that I must go through the Credit Bureau reporting company individually. My Credit score because of the allowed fraudulence has now dropped by over 20+ points since first reported. I ask your Company take the appropriate steps to close the fraudulent account and repair the damage done to my credit score. Thank you for your assistance in this manner. 

Respectfully, XXXX XXXX XXXX US XXXX, Veteran Overview XXXX XXXX XXXX Reported XX/XX/XXXX Balance : {$1500.00} / {$11000.00} You're currently using 14 %  of your account 's limit. 

Balance {$1500.00} Credit limit {$11000.00} Minimum monthly payment {$39.00} Opened XX/XX/XXXX ( 3 mos ) Payment History Youve made 100 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Last payment XX/XX/XXXXCurrent Payment Status Current Amount past due {$0.00} Worst Payment Status Current Account Details Account status Open Type Flexible Spending Credit Card Responsibility Individual Remarks -- Times 30/60/90 days late 0/0/0Reported XX/XX/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 2019-08-12
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
When I received an invitation and opened a credit card with citi AAadvantage card, they have promised if I spend {$3000.00} within 3 months I will get promotional XXXX miles from AA. 
Now they are not paying my promotional miles saying you had a card with citi and cancelled around 24 months ago. 

They never said that when they invite to apply.I talked several times and no luck.

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 2017-12-21
Company: EQUIFAX, INC.
State: TN
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 paid off a balance a month ago plus two derogatory remarks came off my account and my credit score went down plus the show the balance I paid off as still being there The amount is {$12000.00}. fora XXXX XXXX credit card it show I still owe it. as per equifax, and they have since updated my records 4 time. Also shows my credit age as 3 months 6 years when it is closer to 8 years. Also XXXX shows I havXXXX 2 open accounts equifax says 14. Lets get it together huh, people, this has big impact on peoples lives everyone wants us to have a good score but none accurately keeps one

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: Shellpoint Partners, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of 2019, Shellpoint Mortgage took over our home loan from XXXX. Unfortunately no one notified us about that transfer. Not XXXX and not Shellpoint. It wasn't until my husband tracked down who held the mortgage in XXXX that we were able to find out about it. Once we found out who to pay, and they sent us a statement we sent in a payment. Then we got another statement and sent in another payment Both payments were returned without being accepted. We had to call them again and pay over the phone. They are still charging us late fees even though we could not have paid them on time because we didn't know who held the mortgage we were never notified! They are also reporting this to credit reports even though it is Shellpoint 's fault.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing this due to non-compliance with XXXX XXXX, Transunion. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-07-10
Company: EQUIFAX, INC.
State: FL
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 REVIEWING MY CREDIT REPORT, I HAVE FOUND AN ACCOUNT AND FEW INQUIRIES REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS ACCOUNT AND INQUIRIES HAVE CAUSED A HUGE DROP IN MY CREDIT SCORE. THE ACCOUNT AND INQUIRIES DO NOT BELONG TO ME AND DOES NOT BELONG ON MY CREDIT FILE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Discover bank constantly tries to steal money. I called everyday for bank card. Its XXXX and I'm told it was returned a week ago. I got no notification. XXXX. Customer service said she XXXX XXXX card but uts too late. I've called everyday and no knew told me. XXXX supv.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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 approximately XXXX20 I discovered unauthorized charges to XXXX from my Bank of America ( BOA ) Checking account. These charges had been recurring for over a year, but while filing a fraud claim with BOA I was informed I could only request recovery of a year 's worth of charges from the date of discovery. This amounted to {$770.00}. I was also informed that the process could take up to 45 days for investigation. I checked my BOA online message center regularly until XXXX20 when I called BOA. On XXXX20 I was informed that XXXX had responded that the charges were authorized and that supporting documentation had been sent physically and electronically on XXXX20. I was also informed at this time that the fraud claim with BOA had been closed. I explained that I had never received this documentation in either format and requested the documentation be resent at this time. I was assured the electronic documentation would be available in my BOA message center no later than the morning of XXXX20. On the afternoon of XXXX20 I again called BOA because I had not received the documentation I needed to request the claim be reopened. I was then directed to go to a banking center to obtain this documentation. On XXXX20 I retrieved the documentation provided by XXXX from a BOA branch and on XXXX20 I faxed the attached letter and supporting documents to BOA requesting the claim be reopened. I also submitted an FTC Identity Theft Report on XXXX20.

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 2017-09-19
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
A loan open in XXXX XXXX was repossessed car was sold to me at an outrageous financial rate and a car that was crashed and presented as new. I was scammed with this vehicle and they would n't resolve anything when I came to find out shortly after I was denied help. I have contacted Santander in regards to what they state I owe which should be nothing as the car was n't worth nearly half what it was sold to me for. I ask they remove this negative account and leaves alone.

Company response to consumer: Closed with explanation