BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Today I tried to temporarily unfreeze my account. I gave the representative my ten digit pin and answered a barrage of questions about my present and past loans, as well as ss #, dob, and address. I was told I did not pass the verification of my identity, and would have to wait 5 to 7 business days after submitting a copy of my ss # and driver 's license via fax to get a response. This is untenable for a business that builds their business revenue model around rapid access to employee info. and suggests more of an XXXX attitude to the general public who do not have to pay for this service. I needed access to my credit report ASAP and what I got was beaureaucratic subterfuge. Suggests to me that Equifax does not care what we think and will hide behind the screen of " protecting credit information '' in order to drag its feet. This is the era of 1 to 2 seconds. Why is it taking 5 - 7 days. Why any waiting time to access my information when I answered all of the questions factually?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have NEVER done business with this company ever nor the company it states it originates from. I have reached out to both and customer was rude and hung up on me as I tried to explain the truth them

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 2020-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I recently pulled my credit report and noticed several fraudlent accounts some even had no account name associated with them.

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 2019-06-01
Company: CL Holdings LLC
State: SC
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:
My complaint is with XXXX XXXX and jefferson capital system a debt collector. # 1 on XX/XX/2019 i like i do several times a month for the past two years logged on to check my credit score. When i checked my score i see these guys jefferson capital systems have a collection on my report from a old XXXX bill that # 2 should have never been on my report since prior to all this XXXX XXXX XXXX bought me out of my contract with XXXX. Since then though do to a lay off / rehire reason my score originally dropped i have hired XXXX XXXX which im not to pleased with these guys timing and efforts either but nonetheless they did have this false information removed off my report for id say a year or little less until XX/XX/2019. So how is it that any of this is possible to begin with then after its removed just how do you think its right to come back to ruin someones credit a year later. I have disputed this and honestly im sick of dealing with all this when i admit i maxed out some cards due to a lay-off because of being holidays and childrens bdays but ive not in no way ran up a XXXX $ fee with these guys for it to be on my report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
After the unauthorized payments were reversed on my account, the credit card company charged two return payment fees of {$25.00}. These fees should not have been charged to my account due to the representatives submitting unauthorized payments. I thought this issue was resolved, but now that I finally have access to my statements on my account, I can see that I was charged two returned payment fees. These fees show up on the XX/XX/2019 statement. In addition to this issue, everytime I call in I am provided the wrong information about my account. As if today XX/XX/19, I have spoken to 5 different representatives. I should not have to speak with this many reps or receive poor customer service. The representatives fail to document my account correctly and this seems to have been the issue that happened XX/XX/2019 I would like for my account to be adjusted with the removal of the two {$25.00} returned payment fees that resulted in unauthorized payments in XX/XX/2019.

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 2021-07-13
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I have not supplied proof under the doctrine is estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of alleged debt, nor therefore any such debt, in fact exists. 

WE HAVE ATTEMPTED TO CONTACT THEM ; HOWEVER, THEY CONTINUE TO REPORT THE FRAUDULENT ACCOUNT WE HAVE FILLED OUT AN IDENTITY THEFT REPORT AND A CFPB REPORT. WHICH THEY HAVE IGNORED THAT ALONG WITH XXXX XXXX OF THEIR SUPERVISORS. MULTIPLE FCRA LAWS INCLUDING AND NOT LIMITED TO SECTION XXXX WHICH ALLOWS US AS CONSUMERS TO REQUEST COPIES OF OUR OWN CREDIT REPORTS AND THE ASSOCIATED INFORMATION THAT APPEARS ON MY CREDIT REPORT. AS WELL AS PROVING THE FACT THAT THIS IS MY ACCOUNT. PLEASE REMOVE ACCOUNT IMMEDIATELY FROM MY CREDIT REPORT AS THIS IS A VIOLATION OF MY LEGAL RIGHTS. AS WELL AS FCRA LAWS INCLUDING AND NOT LIMITED TO SECTION XXXX XXXX B ) XXXX XXXX A ) XXXX XXXX ) ( A ) AND FCRA U.S.C XXXX. REMOVE IMMEDIATELY AS THIS IS A VIOLATION 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 2023-01-10
Company: EQUIFAX, 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They constantly call even after asking them to stop. They change numbers and call again even after blocking multiple numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-01
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have 2 collections on my credit report that I would like removed. Requested TO CMRE FINANCIAL SERVICES by certified mail with no RETURN response to send me information as listed in this message. 

CMRE FINANCIAL SERVICES claims my medical bills were not paid. Medical Insurance paid this claim. I am on medicare and have met my deductible with no additional copay needed. 

CMRE FINANCIAL SERVICES claims I own on 2 collection accounts for the sums of {$1300.00} on XX/XX/XXXX and {$590.00} on XX/XX/XXXX totaling {$1900.00}. 

Sent letter to CMRE FINANCIAL SERVICES certified mail demanding information as listed below..

CMRE FINANCIAL SERVICES C/O XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, CA. XXXX ( XXXX XXXX XXXX Re : Acct No. XXXX To Whom It May Concern : I am writing this letter in response to the credit collection and follow up letter received from you on XX/XX/XXXX and phone call made to you on XX/XX/XXXX. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation, to verify that I owe the said debt and have any legal obligation to pay you. 
Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: PNC Bank N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
This bank treats me horrible after being a car holder for years they shut me down and its been years Ive been trying to open an account now recently I was declined due to the past accounts that were closed by them I find this unfair that they let me bank with them again I was never told I wouldnt be able to have account now or the future but they are making it very difficult for me to have new accounts with their bank they hate me and dont want to do business with me but I wasnt a bad customer I dont see what the problem is

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
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:
Today, I will be filing another CFPB Complaint to request to you once more to reinvestigate my the accounts you report on my Credit File in accordance with the Fair Credit reporting Act. I previously requested that you take a look into my concern and correct or update any erroneous information you found. Upon reviewing my updated Credit report, I noticed that no changes were made and I still see the negative description on the disputed accounts. In accordance with the Fair Credit Reporting Act, I request of you to please correct the listed account on my Credit File : XXXX XXXX XXXX  XXXX Balance Owed : $ XXXX, upon further inspection, I realized that the one of the disputed account was already remove from the other Credit Bureaus but was kept reporting on one Credit Bureau. Under the Fair Credit Reporting Act, Credit Reporting must be accurate. The Account : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$48.00}, must also be removed from 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 non-monetary relief
Consumer complaint received 2018-04-16
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
My XXXX XXXX Credit cards are not populating on my Equifax credit report. I have collection items that are paid but are still showing on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company has never reach out to me regarding the debt. The company keeps reporting the debt as an open debt as of XXXX. A certified letter was mailed out to the company back in XX/XX/XXXX asking for verification of dates of service and other necessary information. The company failed to respond to certified letter and no communication has ever been received from company however company is still reporting to credit with last reporting of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I logged into my CashApp I started looking through the transactions bc I noticed balance was not correct. I discovered that I had been charged several times for a service from a telecommunications company. I called them to try and get resolved. After an extended time waiting they acknowledged that the funds from my account went to pay someone elses service, however since I was not on that account I could not request it be backed out or refunded to me. They asked I contact my card issuer which I did immediately. The amounts are as follows {$130.00} on XX/XX/XXXX / {$8.00} on XX/XX/XXXX / {$42.00} on XX/XX/XXXX / {$460.00} on XX/XX/XXXX After several days and emails asking me to contact the merchant even though I has already expressed that I had and they referred me to them. And having to send ALL info 2 additional times as well as canceling my card even though I had notified them 2 times before that the charges were made on a previous card I had. So that they wouldnt cancel the one I had just gotten and gave to wait for another one ... they still cancelled my current card. A week later I was contacted by a rep named XXXX who said all my transactions were past the 60 day notice as required by the Terms of Service. However what he was referencing didnt apply to unauthorized transactions. Section 39 Your Liability for Unauthorized Transactions states in part Tell us AT ONCE if you believe your Card or PIN has been lost or stolen or you believe a transaction has been made without your permission using information from your Card, your PIN, or Card Account, or you could lose all the money in your Card Account. no mention of 60 days. Even if 60 days whats the case we dont get a monthly statement or anything providing us our purchases or unauthorized transactions as we do for regular bank so if I dont go into the mobile app I dont know that the transactions happened so I think its a little unfair that they bring that up as a excuse to allow me to lose my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Agent from the company ( Barclaycard US ) provided incorrect information and improperly set up automatic draft payments which lead to late payment balance even though payment where completed as agreed. 
Company reported late payment to credit bureaus, recognizes that the agent made a mistake in the arrangement, however refuses correct negative reports to credit bureaus.

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 2021-07-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company has been contacting me for YEARS. I live in NC and I've asked them not to call me ( I have received calls before XXXX and calls at exactly XXXX OFTEN! I have disputed this debt REPEATEDLY! At this point, its passed the statute of limitations in NC if it was truly my debt, so I would like them to STOP harrassing me non-stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. Account XXXX : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2017-12-18
Company: CITIBANK, N.A.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Open the account and after receiving first statement, I called company to close account on XX/XX/XXXX. I was told I need to pay the balance on the account before I could close the account. I paid the balance $ XXXX and closed account because I decided I was not going to be flying XXXX. I never even activated my cards. The amount charged on the card was charges through XXXX. I am now discovering Citi is charging me {$25.00} late fee on XX/XX/XXXX, the day after I closed the account and was told the balance on the account. Citi has been charging me late fees and interest since XX/XX/XXXX and now the balance is $ XXXX. I do n't want this to affect my excellent credit rating so I am going to pay the balance but this is wrong. Citi did everything to try to have me not close the account and they are continuing to do everything so I do n't close the account even if it 's dishonest. I advise anyone against having a Citi card.

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 2019-11-11
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I submitted complaints to all 3 Consumer Credit Reporting Bureaus including # 1. XXXX, # 2. Experian & # 3. XXXX about the inquiries they put on my Consumer Credit profile that I don't recognize Nore gave Permission to review my Credit. 

I sent them via Certified Mail and have my Receipts from Dates I sent them, I have not heard from them at all but I also explained that 2 of my past accounts were closed ( one in good standing ) but they are still Reporting Late payments 3-Months ( XXXX XXXX  ) after the Account have been closed in Good Standing 3 Months prior, Another problem with XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-16
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I been in this mobile home for over 17years that cost {$20000.00} in 2000.i have paid {$80000.00} to date. Vanderbilt mortgage says I still owe a 111 payments of XXXX. I am on a fixed imcome dew to my health and I am struggling to make payments. I feel that I have paid more than enough for this mobile home. I feel i have been taken advantage of. I wasn't aware of the interest i would be paying.

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