BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX and have been reported as " Deceased '' by TransUnion for close to a decade now. At first, given my young age at the time, I did nothing about the situation, figuring that nobody would steal a dead guys credit information. Things change, and I am now a married man trying to purchase his first property, who has been maligned by a system every American must use, that operates almost exclusively outside the United States. 

Thrice, I sent supporting documents to their XXXX, PA XXXX. XXXX. The third, I was finally smart enough to send Certified. The Social Security form they request was mind scratching to the employee from that administration, but I obtained it and sent it, as well as the other supporting documentation supporting my continuing existence. Never once did this corporation work to rectify my situation within 30 days, as the law requires. That my goals in life are 100 % intertwined with the way this company operates is discouraging. 

I am now 41 days removed from TransUnion obtaining my certified mail containing each of the documents they requested, notarized, as well as copies of my college diploma and marriage certificate as further proof that I have not kicked the bucket. Today I spoke to an employee based in the United States for the first time. After looking up the case file, she told me to send documents to XXXX, PA! She then found the documents, which were forwarded to the " Maintenance Office '', who now " have 5 business days '' to open the documents. After all that, I will receive confirmation in the form of a mailed credit report 7 business days from when they ... rectify it, I suppose? 

What generation opted to give 3 corporations the say on our citizens value? This was a data-entry mistake, that is it. Who are these guys?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: Resurgent Capital Services L.P.
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: Account status incorrect

Complaint:
Resurgent Capital Services bought this item from XXXX XXXX on XX/XX/2016. This account is still showing open on my credit report. It is included in my bankruptcy case number XXXX in the southeastern district of Michigan

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
As per complaint Number XXXX, Portfolio responded by trying to defend their claim appearing as legitimate as possible without providing any real verifiable proof as to that claim. They still, after a number of go arounds, have not shown their right to furnish derogatory information to my file besides three hearsay documents and their statement in a response to me where they claim to have received their basis of ownership of these alleged accounts on a spreadsheet with limited data. They have not shown a signed contract, with the terms of said contract listed, a chain of assignment or a sum certain accounting as to the accuracy of the amount they claim to be owed. 
They misrepresent themselves themselves and conduct themselves in a deceptive manner when they use the term verified to describe the status of their alleged claims on me. These documents they use as their proof, combined with the electronic file and its limited data, they, in defiance of the FDCPA 1692e and the UDAAP from the Dodd-Frank Act, state as establishing the accounts validity. They have never made any serious effort to even provide a verifiable basis of a claim, by oath or affirmation in the form of an affidavit by a competent individual with first hand knowledge of the transactions involved, or at the very least, familiarity with the accuracy of the business records to be able to attest to that accuracy under pain of perjury. 
They have responded to your last communication with them over this matter by stating their intention to stop their collection efforts, certainly a step in the right direction but, on the other hand nothing was said about them ceasing their furnishing derogatory information to my credit files. In fact on XX/XX/XXXX, several days after I received the response from you, my XXXX  and XXXX  files were updated, reflecting both of these Portfolio accounts as still active. And I received a communication from XXXX that claims as of XX/XX/2019, the Portfolio accounts are valid and still, even after all this, staying put on my credit file. This is clearly unacceptable. If they accept that they have no basis to continue collections, as stated in that last complaint with the CFPB, then they should have no basis to furnish these accounts on my file with any of the bureaus. They are in violation of Title15 1681, the FCRA by continuing to put this information on my account. This data should cease being furnished along with the ceasing of collections of these alleged accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: Exeter Finance Corp.
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Attn : Complaint Department I am writing to dispute the following information in my file. I recently received a copy of my credit reports. The credit reports showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX  XXXX ( XX/XX/XXXX,XX/XX/XXXX ) Exter finance ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX   XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX  XXXX ( XX/XX/XXXX ) Please remove these inquiries from my credit report immediately. I have enclosed a copy of my police report as proof of my identity. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: SYNCHRONY FINANCIAL
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Attn : Complaint Department I am writing to dispute the following information in my file. I recently received a copy of my credit reports. The credit reports showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX ( XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) Please remove these inquiries from my credit report immediately. I have enclosed a copy of my police report as proof of my identity. Sincerely, XXXX XXXX XXXX ESQ.

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 2017-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had a loan from capital one auto finance, the address on my lean title does n't match with what been set up online, i unfortunately tried to resolve the issue with capital one auto finance, but they could n't help me, i also have two credit cards ending by XXXX and XXXX, but there is no problem with my address. The only problem occurred when i just want to update my right address :XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. Both are the same. capital one auto finance had a restriction on there website, not to allow 32 characters, and not to let me also use XXXX XXXX XXXX XXXX XXXX WHICH is less than 32 characters. If this issue never been resolved i will never get my car after paying off the loan to capital one auto finance. the principal original loan was {$32000.00}, with a monthly payment of {$590.00}, payable every thirteen of the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
I am ( Customer ) with Citibank Gold and Citibank priority for more than 20 years. 

XX/XX/2019 : Over phone opened 2 CDs both for 1-year terms, in the amounts of {$25000.00} and {$25000.00} respectively and funded through existing Citibank checking account. 

XX/XX/2019 : Money debited from checking account to 2 different CDs. 


XX/XX/2019 : Citi sends me a document to sign my signature and SSN. 
Customer signs and sends doc back to Citibank XX/XX/2019 : Citi receives customer signature doc and processes 1 CD successfully. Balance on CD = {$25000.00} ; No issues with this CD. 
2nd CD processed incorrectly. credited {$25000.00} and debited {$25000.00} to CD. Balance on CD = {$0.00} ; This is wrong. 
Customer visits local branch in California. Branch ( XXXX, XXXX ) advise customer to call XXXX New Accounts servicing. 

XX/XX/2019 Called XXXX ( XXXX ) who advises money of {$25000.00} to be available in the 2nd CD in 3-5 business days. Apologizes but asks to call back on XX/XX/XXXX. 

XX/XX/2019 Called XXXX ( XXXX ) who advises no knowledge of the 2nd CD. Customer escalates, holds line for 1 hr, talks to supervisor XXXX ( in XXXX, KY ) who sends e-mail to new accounts -back office team, apologizes, ensures interest for all the citibank process failure will be credited after the " principal amount dispute is first fixed '' and asks customer to wait until XX/XX/XXXX. Promises to call customer on XX/XX/XXXX. 

XX/XX/2019 Called XXXX ( XXXX ) who advises 2nd CD is closed and upon customer insistence for 1 hr repeatedly asks customer to call New Accounts - Servicing only, shows so much indifference as this is a new account ( for an old customer ) reluctantly opens up investigation request XXXX. Informs customer that CD is closed and the funds of {$25000.00} + interest of {$65.00} will be transferred to customer checking account after investigation. 
Customer visits local branch again ; XXXX acknowledges problem, assures everything will be fixed eventually. 

XX/XX/2019 Customer called XXXX ( Supervisor XXXX in TX ) who is told about the same problem for 1 hr. She denies notes or updates from previous folks talked to. But acknowledges that there is the investigation request from XX/XX/XXXX and the e-mail from XXXX on XX/XX/XXXX. 

Here 's what I need : 1 ) Customer needs CD amount XX/XX/2019 for principal {$25000.00} and outstanding interest {$65.00} so far till XX/XX/XXXX =  {$25000.00} transferred back to his checking account. 

2 ) Customer needs Citibank to be fined ( or customer to be credited a decent sum ) for the hassle of talking to 10 different folks over a month for a simple CD.

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 2020-10-14
Company: GUARANTEED RATE INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage statement clearly states that I have until the XXXX of every month to pay. For my previous mortgage servicers, I have also set up automatic payment for the XXXX. Guaranteed Rate does not allow automatic payments past 5 days. I don't understand how they can state one thing on the statement and then in practice and through technology not allow it. This could just fall into poor customer service by Guaranteed Rate, but it sucks, because it is not like I can just switch my mortgage service provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
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:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-21
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019, my wife XXXX and I closed on our house at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. We worked with our lender to XXXX XXXX XXXX to ensure they understood that my wife is XXXX from the XXXX XXXX after 20 years of service and is considered XXXX XXXX XXXX by the Department of Veterans Affairs. In the state of TX which we are residents of XXXX XXXX  XXXX veterans are exempt from property taxes. We supplied all the necessary information to XXXX XXXX and they did not require a monthly payment into escrow as exhibited by our first payment coupon for loan number XXXX,. In addition, we received at closing our monthly payment letter from XXXX XXXX stipulating our monthly payment would be {$1900.00} consistent with our payment coupon. We have subsequently applied to the XXXX County Tax Assessors office for our tax exemption on the property listed as XXXX XXXX XXXX, XXXX XXXX, TX XXXX. Our first payment was sent to XXXX XXXX and in the process, we were notified via mail that our loan had been sold to US Bank. Upon notification, we called the US Bank as the monthly mortgage went up by {$1000.00} per month from the documentation cited above. US Bank stated they would look into this and contact XXXX County Texas Tax Assessors Office. We made our XX/XX/2019 payment to US Bank in the amount cited in the documents cited above. On XX/XX/2019 we received a call from a collections agency stating our home was being foreclosed upon without any notice from US Bank. In addition, we have received no notification from US Bank into the resolution of our escrow issue. US Bank has not applied minimal if any monies to our principal account and is showing us in delinquent in our payments. Furthermore US Bank has not made any attempt to contact us regarding our mortgage as we are under the impression from closing that our payments are {$1900.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: EQUIFAX, 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: Diversified Consultants, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
It says opened on XXXX. {$80.00} is owed, I was never aware of this bill or opening of this account. I've contacted them to let them know that I was never aware of this being open, and someone pretended to be me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: SYNCHRONY FINANCIAL
State: NC
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:
I applied for credit ( {$7000.00} ) and received a letter that I was rejected. I needed this for XXXX work. My XXXX nonetheless filed their claim for payment and they accepted it. 

Since I used this card, I made payments most oftentimes over the minimum amount. When they promotional period ended ( one year no interest ), I called them to get an understanding about it and was told that, " I'd be okay if I continued to make payments and would not have to pay additional interest. '' This was not the case as I was charged nearly {$2000.00} in interest charges. I'd paid it down to nearly {$4000.00} and I'm nearly back to where I started ( and should have been denied by them in the first place ).

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 2019-05-09
Company: Experian Information Solutions Inc.
State: AZ
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:
My complaint is against Experian. I have disputed a foreclosure with XXXX XXXX XXXX  XXXX XXXX XXXX that was reported closed in 2004 and after 15 years remains on my report? It is my understanding the longest period is only 10 years. They just keep saying that the account will remain on my report as is?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Inaccurate information is being reported on my credit file, multiple credit card accounts loans due to identity theft.

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 2019-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was sued and a judgement for a 17 year old credit card debt was entered against and they sent the summons to an address that I haven't ever lived at. It was my sister 's old address and a summons was never served there for either of those court dates. My sister said that someone came there in early XX/XX/XXXX and asked if I lived there and she told them that I do not live there and they left. This company was able to locate my current work address for a garnishment order so they should have been able to locate my current address because it's on my credit report and they purposely stated that they sent a summons to the wrong address and I haven't seen proof that someone even signed for that summons. I don't remember this debt and don't feel that I have been able to fairly answer to this. Also if it's 17 years old can I be sued over this? I called the court and they said a judgement was entered against me in XX/XX/XXXX for XXXX and renewed on XX/XX/XXXX and was for XXXX plus XXXX in interest totalling XXXX but I have no knowledge of either of these judgments and the reason I am finding out about this is because a garnishment order was sent to my employer and they informed me. Is there anything I can do to stop this or get this resolved without being garnished. Were my legal rights violated? Wouldn't XX/XX/XXXX even be past the statute of limitations if this debt is 17 years old? I only have 14 days to figure this out according to the court papers. Did this company break a law by not serving me correctly? I called the attorney on this and she said that nothing can be done and they do whatever they need to do to collect this debt. I don't even know if this debt is truly mine. I would like to know my legal rights regarding this. I just found out recently that an ex wife that I've been divorced from for several years still has a credit card with my name on it and I shouldn't be responsible if I didn't create the debt but with such limited information I can't defend myself on this. The only information I have is that the debt is 17 years old and that this company went to court without properly notifying me twice and a judgement against me was made and now I'm being garnished.

Company response to consumer: Closed with explanation