BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-27
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:
XXXX XXXX turned my cable off next day. I am disputing ( Re- investigation ). The balance is inaccurate. See attached .and I turned in equipment as well. Please update credit file. all 3. inaccurate infornatuon. please adjust or remove.

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 2018-01-04
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have written to XXXX, Equifax, and XXXX, providing all 3 credit bureaus with an update of my personal information -- -correct name -- - XXXX XXXX XXXX XXXX -- -and correct address XXXX XXXX XXXX XXXX. # XXXX, XXXX, AZ XXXX. 

I have also instructed the same bureaus to delete any other addresses appearing on my credit report as these are incorrect and potentially make me liable for fraud. XXXX and Equifax ignored my request entirely ; and XXXX stated that they would place a fraud notice on my account, when deleting all incorrect addresses and name variations would be sufficient. 

Additionally, I have provided sufficient identifying information -- - a CURRENT driver license -- - and a copy of my social security card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have written to XXXX XXXX and TransUnion, providing all 3 credit bureaus with an update of my personal information -- -correct name -- - XXXX XXXX XXXX XXXX XXXX -and correct address XXXX XXXX XXXX XXXX. # XXXX, XXXX, AZ XXXX. 

I have also instructed the same bureaus to delete any other addresses appearing on my credit report as these are incorrect and potentially make me liable for fraud. TransUnion and XXXX ignored my request entirely ; and XXXX stated that they would place a fraud notice on my account, when deleting all incorrect addresses and name variations would be sufficient. 

Additionally, I have provided sufficient identifying information -- - a CURRENT driver license -- - and a copy of my social security 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 non-monetary relief
Consumer complaint received 2018-01-04
Company: Experian Information Solutions Inc.
State: WA
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 have a charged-off XXXX XXXX XXXX credit card on my Experian, XXXX and XXXX reports that is not being removed from my credit reports. The account shows a {$290.00} balance and that it has been charged off. 

My date of birth is XXXX. 
The account was opened on XXXX/XXXX/XXXX. 
I was XXXX years old when this credit card account was opened. 

Since I was n't of legal age to consent to contract I should not be liable for this account and should not have it reported on my credit reports.

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 2019-07-30
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX - partial account number XXXX and XXXX XXXX XXXX partial account number XXXX are reporting duplicate line items to Equifax ; XXXX  and XXXX a collection in the amount of {$3100.00}. ( Please see page 2 of the attached credit report. ) This duplicate reporting of a collection is a violation of the Fair Credit Reporting Act and this line item needs to be removed from my credit report. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to fix this issue, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: T.S. Holdings
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The amount that was originally owed is growing interest. It is growing interest continuously making it impossible for me to ever be able to realistically pay the account off. I have attempted to resolve this matter with the debt collector it is my understanding that once placed for charge off the interest is to cease that has not been my experience with IQ International.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Nissan Motor Acceptance wrote the final status on a totaled vehicle that I financed through them as " {$7500.00} written off '' after I paid every penny that was not covered by my auto insurance. Now I had a conversation with them in XX/XX/2018 and during the fall of 2018 as well during which they promised me that once I paid the full balance owed they would remove the charge off status. Now " written off '' and " charged off '' mean the same thing. In other words, they deceived me into paying the full balance owed without removing the charge-off status nor indicating that the full balance was paid off, not Charged off. They lied to me. They need to delete that status ASAP. I can prove every single payment I made through my bank statements, including the final payment that reduced the balance on that account to XXXX. I even called to confirm how much I owed. They misreported this account and they need to own up to it and fix their wrongdoing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-02
Company: eCon Credit LP
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently received a copy of my credit report and found that nationwide acceptance account ( XXXX XXXX ) showed a past due balance and 90 days past due this information is not true the account was paid in full with a XXXX balance however after several disputes the information has not been updated

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 2022-02-03
Company: Experian Information Solutions Inc.
State: AL
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:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : DEPTEDXXXX XXXX XX/XX/2015 {$0.00}, XXXX XXXX XXXX XX/XX/2015 {$0.00}.

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 non-monetary relief
Consumer complaint received 2018-12-31
Company: Tribal Lending Enterprise, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I never E Sigmed for a loan with XXXX XXXX XXXX. They keep calling and harassing me, they dont stop. I want proof that It was my signature on the pay day loan, that they claim is my loan.I contacted XXXX  to monitor my accounts for fraudulent activity. 
There Was no legal documentation sent to me. I want proof., I dont have any. 
They never answer the phone, you give up trying. They are criminals.

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 2022-10-04
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This debt collector/buyer has been on and off my credit report because i disputed the balance owed as incorrect. For the past two years. I received a letter by mail last month in XXXX. This was an attempt to settle the account of the balance of {$2400.00}. They did not sent me a debt validation letter. I responded back with a certified mail debt validation request. They did not respond back in a timely manner. Instead, they decided to share my personal information and details of this account with a third-party service, possibly a debt collection service/firm. After I received this debt validation from this third-party service, I decided to seize and desist both the debt collector/ buyer and the third-service provider because they did not respond to all my request in my debt validation letter. They violated my seize and desist request, the third-party debt collection service entity. I do not trust the integrity of these debt collectors after they took this action. No information other than statement balances and no bill of sale or contract from original creditors presented. The account reads as this XXXX XXXX card by XXXX XXXX, this account was sold to LVNV funding llc and its third-party service is XXXX XXXX XXXX XXXX I did not enter into any written or verbal agreements to repay this debt. They did not verify the debt in full untill i seize and desisted both of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: Concentric Receivables Management, Ltd.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a notification on Saturday XXXX XXXX that my XXXX credit score dropped 70 points because of a medical collection was added to my XXXX   credit report. The collection was from Concentric Receivables Management for the amount of {$300.00}. The original creditor was XXXX XXXX XXXX XXXX XXXX. I contacted Concentric Receivables by phone on monday XX/XX/2019 morning at XXXX XXXX CST and spoke to XXXX XXXX. I made her aware that the collection was not valid and that debt had already been paid to XXXX XXXX XXXX XXXX. XXXX XXXX told me that indeed were in contact with the hospital and were aware the debt had been paid and that they would be sending a Deletion Letter to all the credit bureaus informing them to remove the collection off of my credit reports. This has still not been done. Concentric still has not sent the deletion letter, and they will not return my emails or phone calls. I than called XXXX  and they told me there was notning they could do but wait 7 to 10 business days to remove the collection even though I had a deletion letter in hand proving it was wrong. I spoke to XXXX at XXXX, his employee number is XXXX. I told him I needed it removed immediately because it violated my FCRA rights and he again told me he could not do anything. These actions by both XXXX  and Concentric Receivables are in direct violation of my rights protected under the FCRA laws. This collection needs to be removed from all of my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We would like to file a complaint for Bank of America 's lack of ordinary due diligence in detecting check fraud and failing to perform its fiduciary duty. 
We are victims of identity theft and did not write 5 checks totaling {$87000.00}. We were out of the country for 6 months and returned to USA via XXXX XXXX XX/XX/XXXX. We went to the nearest branch shortly after arrival, discovered the fraudulent checks, then immediately reported it to the fraud department ( claim # : XXXX ) and local police department ( XXXX XXXX Police Report # : XXXX ) on the same day XX/XX/XXXX. 
On XX/XX/XXXX, Bank of America denied the claim solely due to 60-day reporting policy. An appeal was submitted XX/XX/XXXX to request further investigation. On XX/XX/XXXX, Bank of America denied the claim again solely due to 60-day reporting policy. 
We opened the savings account in XXXX, and have had minimal activity for the last 14 years. Bank of America did not verify signatures with our signature card before transactions because the fraudulent signature is nothing alike to the our actual signatures, even the last name was not signed on the fraud checks. We were not notified of these suspicious activities and the bank didn't suspect these large checks ( $ XXXX $ XXXX $ XXXX $ XXXX {$15000.00} ) totaling {$87000.00} in 5 weeks could be money laundering. 
Extenuating circumstances should exempt us from this 60-day fraud reporting window since we were not physically in the country from XX/XX/XXXX to XX/XX/XXXX, and we immediately reported the fraudulent activities upon discovery. 
Our check book has been in our possession wherever we travel. All but one forged check were written and deposited while we were overseas and not on US soil. Not only were the signatures not ours, but the check numbers are also from a non-existent check book. We did not request any additional check books from Bank of America or any other check-producing company. 
On XX/XX/XXXX Detective Sgt. XXXX XXXX of XXXX XXXX Police Station informed us that he spoke with the fraud department at XXXX XXXX XXXX XXXX, where the fraud checks were deposited. XXXX XXXX   already knows that this person that deposited the fraudulent checks is a fraud and reported it to the XXXX XXXX Police Department. 
This is a small amount of money for Bank of America, one of the largest banks in the nation, but {$87000.00} is a major part of our retirement money. It is disappointing that a global company like Bank of America is choosing not to investigate this type of crime, and, instead, closed the fraud claim fast, without offering support or common courtesy to a loyal customer.

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 2019-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
These accounts are not mine.

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 2022-02-03
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
We have been getting an unauthorized charge from XXXX since XX/XX/2020 and PNC Bank will not help resolve the issue. In fact they just collude with the vendor. We contacted XXXX several times and they say they can not help without an account number. We gave PNC the transaction information listed on our checking account statement and request additional information about the charge. PNC 's reply was exactly the same information we gave to them, that is just what was listed on our statement and nothing additional. We requested the reversal of a charge and PNC then replied that their information showed the charge was correct. So only having the date and amount is all that is required to deny a refund. PNC 's despicable conduct would allow all thieves free access to all money. Additionally, the debit card being charged has expired yet PNC continues to pay with an expired card for transactions we want stopped.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: FL
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 disputed inaccurate information that was placed on my Equifax credit file by XXXX XXXX in XX/XX/XXXX via Certified letter. I received a response from Equifax stating that the information on my file was verified. XXXX XXXX is reporting two different accounts with different accounts number and multiple names to Equifax. I have attempted approximately six years to have this information corrected. I dont own this account anymore. The home have been sold and the current owners are living in the home XXXX XXXXe purchased this account from XXXX XXXXe in XXXX but stating that they are the original owners. Ive attached as much documents as possible along with a spreadsheet that Ive created.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I requested information on how to remove Private Mortgage Insurance ( PMI ) from my mortgage loan. I was told I needed to have my home appraised in order to do this. Mr. Cooper ( my mortgage company ) sent an appraiser to appraise my home and they appraised my home at {$770000.00} on XX/XX/2019. I was charged {$520.00} for the appraisal. 

I received a letter from Mr. Cooper denying removal of PMI because my loan to value was not within 80 % of the " original value '' ( {$680000.00} ) of my home. 

My complaint is that if they are going by the original value of my home, then there would never be a reason to have the home appraised since the current value would never be considered. 

I called to complain and they told me that I either had to be at 80 % of the original value OR use XXXX XXXX rules and be 75 % of the " CURRENT '' value ( I am short by about {$8000.00} ). I explained that this was never discussed with me when I first called to request PMI removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: EOS Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I Had moved from my previous address in XX/XX/XXXX of 2018. I spoke to a few representatives and there were several issue at the time. I had owed last months bill which was paid. I also had several issues with paying that bill as well at the time because the amount was outrageous and could not be justified by XXXX XXXX. I believe my bill was mixed up with my ex-husbands name XXXX XXXX who had previously moved out and our bills where intertwined at the time. They also stated he had another bill, but I was not interested to hear his other account info. I went back and forth several months after I moved, and was going to pay because it was on my report, but one of XXXX  XXXX associates I finally spoke to saw their was a discrepancy on more than one of my bills and stated that it would be taken care of and it was removed from my Credit Report at that time. I'm in the process of buying a new home and I pulled my report and saw it was back on my account almost 2 years later still trying to get the bill pushed for payment? I will not tolerate this injustice of playing around with someone SSN as they removed it knowing it was an error on their part and then removing it to then trying to slap it back on my credit report to get a payment that ' not mine. I refused to be bullied into making someone else 's payment or just their billing depts error for their profit of {$1100.00} for a utility bill, that's an insane $ amount for a monthly payment for anyone. If they allowed that amount to go on that " their fault for allowing someone's bill to get that high and should be criminal if they think that will be accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: EQUIFAX, INC.
State: CO
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: Problem with personal statement of dispute

Complaint:
I am the victim of identity theft as of XX/XX/2022An existing credit card was hacked, and then XXXX credit cards were approved ( XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ) that I did not request. I filed a dispute with Equifax on XX/XX/22XXXX, requesting these inquiries be deemed fraud and removed from my credit file. Both times Equifax resolved the disputes as no fraud found. I want these inquiries removed from my account as they were fraudulent credit card applications. 
Note that I placed fraud alerts and security freezes on my credit file with all three credit bureaus on XX/XX/22.
The Equifax dispute claim number is : XXXX

Company response to consumer: Closed with explanation