BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-02
Company: EQUIFAX, INC.
State: MO
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:
Equifax and XXXX are reporting incorrectly that I am past due on the Dept of Education/XXXX partial account number XXXX. ( Please see page 2  of the attached credit report. ) This account report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This account is currently coded an I5. This incorrect reporting is harming my credit score.  Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: U.S. BANCORP
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
the money that was in the saving account XXXX was closed XX/XX/2021 due to irregular activities, due to back pay per week with PUA, I received it in one lump sum but paid out different weeks in XXXX. but the money was not returned to the sender or a cashier check sent to me. US Bank took the money from the savings closed and then placed the money in a GENERAL XXXX account without telling me. i had to call fraud and the branch manager and they both stated they don't know how to get the money out the account. SO WHEN WILL THE MONEY BE RETURNED?

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 2017-12-08
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 is missing that should be on the report

Complaint:
I am trying to get Equifax to provide my credit report. They sent me a confirmation number..XXXX however it will not open my account. Message is that the information I give does not match theirs. I have spent hours on the phone trying to reac a real live person. None exist at Equifax. Equifax does not have my current credit history. It stopped almost 10 years ago. They do not have credit card information, bank information or charge account information. 
They are a corrupt incompetent agency!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: Shellpoint Partners, LLC
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: Old information reappears or never goes away

Complaint:
Hi, I became delinquent on my mortgage loan from XX/XX/XXXX on XX/XX/XXXX. For 7 years I have suffered consequences of this action on my credit reports. 
The new company servicing the mortgage : Shellpoint Mortgage Servicing ( Shellpoint ) started to report that I am being late on my mortgage payments only as of XX/XX/XXXX. This information is incorrect since I stopped making payments on my mortgage in XX/XX/XXXX. It is the same loan. The loan is now in litigation as of XX/XX/XXXX. I received accelarated note long ago. I do not get normal monthly statements based on which Shallpoint could report to the Reporting Agencies that I am being late with my mortgage payments as Shellpoint is reporting. The statements I receive only for example show Reinstatement Amount of {$220000.00} ( as of XX/XX/XXXX ) rather than normal monthly mortgage payments. 

In addition, Shellpoint on my mortgage statements shows implicitly delinquency date on my mortgage of XX/XX/XXXX ( calculated from the statement : " As of XX/XX/XXXX, you are 1,994 days delinquent on your mortgage loan '' ) in order to circumvent the requirement about not reporting on the debt that is delinquent for more than 7 years according to Fair Credit Reporting Act. 

The fact the issue is not settled after more than 10 years of delinquency shows the weakness of the bank 's case and I should not be punished in excess of what is allowed by law ( 7 years ) of reporting delinquent debt information. Shellpoint has recycled the old information in order to put extra pressure in negotiating the settlement. Use of these unethical tactics should be disallowed and the company should be punished.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
Someone has gotten ahold of my social security number and is using my information to apply for lines of credit and its hurting my score. I do not believe i should suffer for the identity theft that has been taking place unknowingly on my credit report. I believe the right thing to do in this situation is to remove these inquires from my credit report. 
XXXX inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX consolidate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 2023-05-26
Company: Bankers Auto Acceptance
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I have a fraudulent auto loan reporting on my credit that was opened on XX/XX/2018 that I am refuting. I have never applied for services nor extended my credit to this provider in any matter. This loan is the result of an identity theft that was done without my knowledge or consent. The loan amount is for {$16000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i have called XXXX XXXX XXXX and advised them this cable account doesnt belong to me. I have been a victim of identity theft for a while but they refuse to remove this account from my personal information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: AR Resources, Inc. (FL)
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My credit score dropped 35 points due to a company that I have never even heard of or received a letter from. If it was from a hospital bill from a XXXX I had at the XXXX XXXX XXXX XXXX who is supposed to be responsible for the bill.So if money is somehow owed, they're supposed to pay it. Other then that, acct # XXXX was taken care of way back in XXXX this year by " XXXX '', the bill lady at the XXXX XXXX, which is why I never received another bill since then. AR Resources comes out of nowhere around XX/XX/XXXX saying that I owe them money??? I am not overdue on anything anywhere. And they made my credit drop 35 points so I'm kinda hot in the head right about now.I would gladly send that XXXX XXXX to the hospital and be their collection agency " from outer space '' the way they did! And who are they. Where are they from. There is no proof that they tried to collect a debt from me which is entirely impossible because I have the " what's coming in the mail today '' by USPS. I feel like I've been robbed in a way and that they are doing something illegal! No bills at all sent from them-which is impossible. The hospital said that the situation was taken care of when I called to ask what is going on. I have a " XXXX XXXX '' because of my financial circumstances meaning basically homeless and I never received a bill! My XXXX score dropped big time! All because of some XXXX XXXX company climbing out from under a rock somewhere out in the middle of the desert under a mound of wild buffalo XXXX! And they can XXXX XXXX XXXX where the XXXX comes out because the hospital said that they took care of it!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Wells Fargo had been calling us repeatedly, sending us threatening letters, etc., stating that we were delinquent in our payments. This started around XX/XX/XXXX-XX/XX/XXXX. We went into a branch in XXXX, VA in XX/XX/XXXX, and proved we made every payment. We thought the issue was taken care of. We spent 3 hrs in a branch going over every payment. All late fees were waived and we thought the issue was taken care of. It started back up again. We went back in XX/XX/XXXX, to face the same story. Our bank, XXXX XXXX XXXX XXXX has a record of every payment going out electronically and on time. They also show and have confirmation that Wells Fargo received every payment. However, Wells Fargo only show part of the payment. Where's our payment/money going? In the meantime, we keep getting threatening letters, late fees assessed, credit bureaus are being notified ( I believe ) which affects our credit. We even paid money over the phone for late fees that Wells Fargo insisted we owed! This has been a nightmare for 2 years now. Wells Fargo now keeps sending us letters pushing the 'we 're working on the issue and we'll get back to you ' date back. In the meantime, we're still making payments and have NOT missed any! Is someone stealing our money? They've threatened to foreclose on us. Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have contacted the company who has been reporting the wrong information along with the credit bureaus .... Experian and XXXX  has removed the item but XXXX  has not ... Also I have ask all three bureaus to stop reporting a negative late payment I have contacted the company and there saying that they are not reporting any late payment ... I have ask if they could send the bureaus something in writing so that this could stop having a negative affect on my credit .... I have done everything I can by calling, summit documents and still no removal. Im just asking if these items to be removed ... Thank You

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 2019-04-02
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I live in Illinois. On XXXX, XXXX i called XXXX XXXX in XXXX Wy . to purchase a remote starter, for my brother, who lives in WY. XXXX, took my credit card info {$410.00}, and said my brother will need to make a appointment. XXXX charged my credit card, that day. My brothers appointment was at XXXX on XX/XX/XXXX. He arrived at XXXX, the owner was not there. My brother was told they did not have the remote starter, and could not get equipment, due to nonpayment to suppliers. Brother told the office girl, to refund the charge. Brother called me, and advised me of the situation. I immediately called my credit card company, CitiBank ( mastercard ) and disputed the charge of {$410.00}. I then called another business in XXXX, XXXX XXXX, phone number XXXX, and purchased the remote start from them for {$360.00}, which they installed that day. 
On XXXX XXXX, citi card send me a letter to sign, stating that i had not received merchandise or service. Which i did. and they received it XX/XX/XXXX. I also included a complaint number from the XXXX XXXX XXXX for a complaint i filed on XXXX. ID XXXX. 
i also filed a complaint with the XXXX Wy. Police Department XXXX, XXXX XXXX. My Case # D XXXX. Officer XXXX, advised me XXXX XXXX is under Criminal investigation for their business practices. XXXX XXXX is Closed for Business. 
My complaint is against MasterCard and CitiBank. I had sent everything they requested and more. Citi bank informed me that MasterCard investigator had reviewed the case and as of XX/XX/XXXX is complete, '' since they have not received a documentation regarding the merchant 's inability to provide the service. " I have called CitiCard s, requesting to speak to the investigator, i provided all info. that i was requested to. I have called Citi card and requested the investigation be reopened. I called MasterCard, trying to speak to someone about this. I have got no where. I gave CitiCard, my brothers phone number, the complaint number of XXXX, the name, case number, officer name in XXXX. MasterCard investigator is unwilling to review the FACTS.

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 2018-08-02
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Sears continues to report that I have a collection balance owed to them for over {$2000.00}. This is incorrect, as I legally settled this debt in full with their attorney, XXXX XXXX XXXX XXXX, in the past. This account should now report {$0.00} owed. I have disputed this account at XXXX, XXXX, and XXXX XXXX ; but Sears continues to tell the credit bureaus I owe them money, when this account has already been settled in full. I am attaching a copy of the settlement with the Sears attorney, but you can also call the attorney at XXXX, to confirm the account has been resolved.

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 2022-01-05
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account was fraudulently under my name with XXXX XXXX. It was brought to my attention and it was closed out. They sent it out for collections years back which is how I found out about it and we absolved the situation 3 years ago. Now it has appeared again on XX/XX/XXXX on my credit, and it is stating that this collection was opened on XX/XX/XXXX which is not accurate. This account was a result of itentify theft, has been closed out. 

I need debt verification of this account. Why has this reappeared again on my credit as a delinquent account?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: CENTERSTATE BANK CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was a member of XXXX XXXX in XXXX fl and they converted to centerstate bank on a Thursday night mid month and they had some errors in converting over to their new system and my direct deposit did not go through as well my automatic bill payments didn't process. To try and remedy the situation the XXXX office set it up so that customers could acess money the atms couldn't connect with their actual balance it constantly read that their was XXXX dollars available even after you would withdrawal so no atm or debit machine could connect with your actual funds and purchases never reflected until weeks later resulting in customers overstating major amounts and the online banking app never fully catching up to the transactions over that weekend and following week. I never signed up for overdraft and always relied on my banking app to be reliable source to reflect my balance. As a result it Caued me major financial problems and XXXX dollars in dept on my checking account. I had never been negative or overdrawn in the two plus years as a member with XXXX XXXX and now Im having to rebound from centerstate banks mishap and poor judgement and timing

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/2019 - sent letter as to verify debt and provide proof that they can collect the debt on behalf of the original creditor. 
XX/XX/2019 - received a letter stating that LVNV has initiated a review of the inquiry. 
**never received verification or proof to collect debt** XX/XX/2019 - sent the same letter again requesting verification and proof to collect debt. 
XX/XX/2019 - received a letter with a copy of a credit card statement which doesn't confirm they are legally obligated to collect the debt on behalf of the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: TRANSUNION INTERMEDIATE 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: Account information incorrect

Complaint:
I have contacted XXXX, Transunion and XXXX to file disputes on fraudulent activities, wrong personal information about me such as my name address information and other eronious items listed on my credit reports, that didn't belong to me, the latest dispute I filed with the credit bureaus were in XX/XX/2018, I disputed that there were innacuracies in the amount that was reported that I owe on my report for example one creditor by the name of XXXX XXXX  said that I had a {$300.00} credit limit with them but are reporting on my credit report that I owe them close to {$500.00} which is fraud plus they are the company that kept a {$90.00} security deposit from me and never gave it back but neither have they credited it back to me as a check but they kept it and have not account ex for it, this accounts is being fraudulently reported on my credit report, there are two auto loans that have been paid off in full and on time, listed as open and never late on my credit report, but the credit bureau is falsely claiming that there was a late payment and even though I spoke to the car company and they assured me that they did not report it as late and that it was the credit bureau, but when I disputed it through the credit bureaus they refused to delete it and will not remove it from my report, they're are names of Creditors that I do not recognize or I have never dealt with on my credit report such as XXXX XXXX XXXX, they even have XXXX   an car insurance provider on my credit report which I have already disputed numerous times but the credit reporting agencies still have these items listed on my credit report fraudulently, my latest dispute that I filed was in XX/XX/2018, and still no remedy. I am asking for help because my credit has been destroyed by thee credit bureaus and are causing me not to be able to obtain auto loans, mortgage for housing, and rejection from credit card companies etc, this is unfair and I want justice.

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 2019-04-02
Company: College Ave Student Loan Servicing, LLC
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Over the last 4 weeks I have been actively attempting to payoff 1 of 4 loans I have with XXXX XXXX XXXX XXXX company. 
- I made a {$1300.00} payment request in XXXX, it was reversed 3 days later. 
- I inquired about it, the customer service rep was unable to tell me why. He advised he will inquire and will contact me back. Never did. 
- 4 days later I see the {$1300.00} payment is being made, but spread across the 4 loans rather than how I authorized it towards 1 loan. 
- I inquired again and was told I would be refunded. It never happened. 
- I again called and requested that the payment is properly allocated towards the right loan. I was told by a " Supervisor '' that it will be, 5 days later and it has yet to be done. 

Terrible company. There has to be something illegal about what they're doing. I'm currently in process of transferring my loans to another 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 2020-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Hi, even during these trying times you're marking consumer late on that I was shocked when I reviewed my credit report and found late payment on XXXX & XX/XX/2020. 
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation