BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-26
Company: Better Mortgage, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I asked XXXX XXXX and his manager with better mortgage multiple times for the hoa condo questionnaire which they did not obtain or provide to me before officially denying me. they should have legally obtained and provided a copy of this document to me before denying me and i have given them several opportunities to provide it and they continue to ignore me and beat around the bush

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: Experian Information Solutions Inc.
State: NY
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:
They will not remove a XXXX XXXX  charge off Tradeline after XXXX XXXX  told them to remove it. Please see the letter the debt was forgiven.

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 2020-02-26
Company: Experian Information Solutions Inc.
State: CA
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 applied for a credit card at XXXX XXXX today XX/XX/2020 and I did not get approved due to my credit score and history. I looked into it more and I discovered five accounts with bad payment history appearing on my credit. None of these accounts are mine ; I have never opened an account with any of those companies and I did not allow any other person to open an account with these companies using my name, social or address. I did not make any payments towards these accounts and I did not get anything as a result of these accounts that were opened on my behalf. I filed a police report with the information that I have so far.

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 2018-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
we disputed public record of bankruptcy filed XXXX2009 credit  bureaus claim account was verified. the court does not submit, furnish any info to any credit reporting agency. thus the credit bureaus are reporting data that is unverifable, inaccurate and were untruthful of how they conducted an investigation. 

additionally the age of said account is reflecting over 10 years which is beyond the reporting standards per the FCRA which places all the credit bureaus in violation.

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 2020-02-26
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter to inform NexisLexis that I recently received a copy of my credit report that your company publishes and after reviewing it I found several bankruptcies on my XXXX, XXXX, and XXXX  that are inaccurate. Them being an 3rd party company reporting incorrect information are damaging my reputation and credit worthiness. I requested they supply me with the actual documents and I received letter starting they received the information from XXXX  and they do are not apart of the resolution. 

I went to US BKPT CT Tx XXXX have email me which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third- party providers who collect information regarding public cases from public records. 



.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I moved out of my apartment of XXXX XXXX in XXXX FL in 2015. After moving out the manager for the apartment complex attempted to collect {$1000.00} from me. I reviewed the bill and pointed out that my deposit of {$670.00} was never applied. 

It took months to get her to respond to me. When she did, she claimed the balance was accurate and refused to apply the deposit. 

I attempted to call the corporate office and left several messages. I did this for more than a year ; call the apartment complex and corporate office with no results. 

Two years ago I was applying for an apartment and was being refused unless this was fixed. I went and sat outside of their office until the current manager arrived. She was very kind and reviewed my account and noticed the deposit was never applied. She then applied the deposit and wrote me a letter on company letter head to show the correct balance. She claimed she would update her corporate office and XXXX XXXX. 

It was affecting my ability to find quality living, so I needed that document signed by XXXX XXXX. 

She claims to have updated the collections company XXXX XXXX, but two years later the collections company is claiming they can not call XXXX XXXX. I called them back two months later and then they claimed to have never received anything. They refuse to accept the written document I have and are claiming XXXX XXXX is now denying to update the balance. 

I would have paid this off 7 years ago if they had just been honest and applied my deposit. 

XXXX XXXX is a rip off and XXXX XXXX at best.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There was an unauthorized cash withdrawal from my checking account at Citibank on XXXX XXXX, 2017 for the amount of {$1700.00} ( XXXX XXXX, XXXX XXXX XXXX dollars ). Since I did not withdraw this money and I 'm the only person on this account I contacted Citibank as soon as I discovered this transaction on XXXX XXXX, 2017. I requested an investigation of this transaction and Citibank just sent me a letter dated XXXX XXXX, 2017 stating that the disputed transaction was not fraudulent. I did not do this cash withdrawal from my account. Previously, on XXXX XXXX, 2017 I had written a check for {$1700.00} the exact amount of the cash withdrawal, but called Citibank to place a stop payment on it. ( I 'm attaching stop payment confirmation letter from Citibank ). If Citibank paid for this check, then, it is their mistake. My checking account records do not show that this check was cashed either. My records indicate that the withdrawal was done through a teller at a bank and it was a cash withdrawal.

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 2020-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Had to cancel my debit card with Capital One due to suspicious activity and possible fraud. Filed a fraud claim which came back with resolution that has been verified and solved before even recieving my replacement debit card has even arrived!!! Capital One Banking App states and shows under there " Debit Card Tracker '' feature that my replacement debit card was shipped XXXX XXXX. And would arrive XXXX. Now it has already been 6 days since I've been able to access my checking account or any the money that is in it minus it's bill pay functionality. Called capital one XXXX XXXX number provided within the apps help feature and talked to male representative @ XXXX and spoke to him regarding why I had not received my replacement debit card by XXXX like it stated I was in my account. The male representative told me that the information which is in my account was wrong and providing me misinformation. I then asked him to provide me with the USPS tracking number I would track it myself using my USPS Informed Delivery account. He told me that there is no tracking number he was able to provide. 
Okay ... .. 

If Capital One can not provide a tracking number then they should not provide false tracking estimations and should not completely 100 % knowingly provide misinformation to Any of its customers period!!!! 

Lying Know Your Lying Consequences will be had ... only matter of when ... its called Karma!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
They will not remove a XXXX XXXX  charge off Tradeline after XXXX XXXX  told them to remove it. Please see the letter the debt was forgiven.

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 2020-02-27
Company: Experian Information Solutions Inc.
State: CA
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:
Per FTC sec 609. credit agencies are not validating my account they are simply verifying my information.

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 2021-03-24
Company: ENCORE CAPITAL GROUP INC.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My first knowledge of this debt was when I get court papers stating that I am being sued. When I look at the documents provided by Midland credit management I find that the statements provided were from a person who shared a similar name and a different address. I dont know how these attorneys got hold of my address to sue me. Since I am already in court and have to send an answer I let the court know in my response that that is not my credit card account and that is not my address. I have lived in my current address for the last 15-16 years. I dont know any one in that address not even in that town. I send a copy of my response to the Midland attorneys as directed by the court. As a result I begin getting requests from midlands attorneys to provide to them all my personal information in order for me to prove it is fraud. Why would I do that if they are supposed to have that information if they claim I opened a credit card and owe money. I am right now waiting for the hearing in the coming month but I am unemployed and dont have an attorney and the court could not provide one for me. Midland has no proof that I possess that credit card and are making the papers in the court look like I received those statements, misleading the court. I requesting that they stop this unfair law suit and stop asking for my personal information. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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 wrote a letter to XXXX XXXX XXXX XXXX asking them to remove an inquiry that was not done by me, and they still have yet remove an hard inquiry on my credit report. I also wrote a letter to XXXX  card which is XXXX XXXX and capital one, explaining to situation to all lenders.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-27
Company: JPMORGAN CHASE & CO.
State: UT
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 wrote a letter to XXXX XXXX XXXX XXXX asking them to remove an inquiry that was not done by me, and they still have yet remove an hard inquiry on my credit report. I also wrote a letter to JPMCB card which is XXXX XXXX and XXXX XXXX, explaining to situation to all lenders.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-29
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Synchrony Bank has placed a negative mark on my credit reports that I had no knowledge of, so I disputed this negative mark with XXXX, XXXX, and XXXX. Surprisingly, the results came back as " verified and accurate ''. Thus, I called Synchrony Bank on X/XX/17 to find out what paper work and what procedures were used to verify this debt. The employee I spoke with, XXXX ( ext. # XXXX ),  informed me that Synchrony Bank does n't have any information on file to verify the debt and that the debt was sold to a collection agency. I disputed this debt with the collection agency, XXXX XXXX XXXX, and XXXX deleted the debt because the accuracy of the debt could n't be verified. I understand as the original creditor SYNCB is n't required to " verify '' a debt, however, SYNCB is required by law to INVESTIGATE a debt that I believe is n't accurate. Thus, I am asking for SYNCB to investigate the amount claimed to be owed, the payments claimed to made, the date the account was opened, and the date the account was closed. Given that, XXXX has already admitted SYNCB does n't have the paper work to complete this investigation, SYNCB needs to delete this mark asap.

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 2020-02-27
Company: PRESTIGE FINANCIAL SERVICES INC
State: CA
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:
Per FTC sec 609. credit agencies are not validating my account they are simply verifying my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: Southwest Credit Systems, L.P.
State: CA
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:
Per FTC sec 609. credit agencies are not validating my account they are simply verifying my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XX/XX/XXXX Federal Trade Commission Consumer Response Center XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX : CREDIT COMPLAINT LETTER To Whom It May Concern : I received a copy of my credit report and am disputing information concerning my payment history. Accordingly, I am requesting that you investigate my dispute and add the attached history of payments to my credit file under the Fair Credit Reporting Act, 611 ( a ) [ 15 USC 1681i ( a ) ]. Please check the following accounts again accuracy. These accounts were removed from my credit report on the following months. XXXX XXXX removed from XX/XX/XXXX ( 30 day late removed ) dated on XX/XX/XXXX, XX/XX/XXXX ( no longer reported as 30 day late ), and XX/XX/XXXX ( Charge off removed ) credit reports. XXXX XXXX XXXX removed XX/XX/XXXX ( Charged Off Removed ) dated on XX/XX/XXXX and XX/XX/XXXX ( Charge off removed ) credit reports. XXXX XXXX XXXX XXXX ( XXXX ) removed XX/XX/XXXX dated ( Charge Off Removed ) on XX/XX/XXXX. Because the inaccuracies were not corrected, I could not get a mortgage loan and a car loan for my daughter. Not only that but your agency has taken away so much time and stress that was unnecessary. I have spent hours, days and years sending in documents and you fail to clean up my credit file. After explaining why and how the items were removed, one of credit bureau associates refused to dispute/delete the inaccuracies ( XX/XX/XXXX ). I am requesting an updated copy of my credit report, which should be sent to the address listedbelow. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this  report. Additionally, if you contact any entity ( person or company ) in order to make the necessary updates, please provide the names, business address and telephone numbers so that I may follow up directly if needed. I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. Thank you for your assistance. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SC XXXX Social Security # 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 2020-02-27
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Trying to unlock my credit to simply apply for a credit card. XXXX  and XXXX were not great, but Equifax was useless. I have account info from when I locked the account after their security breach, but their online site doesn't like my account info. I requested to reset my password, but got no response from their site. I called the support number, but apparently I could not answer questions about credit cards they thought I used, but they couldn't tell me what info they wanted. I must have guessed wrong about little used credit cards. Now I'm supposed to fax them a letter with my SS card and drivers license so they can verify my identity somehow. I gave them my SS number multiple times and I could have given them my license number if that was asked for. It's going to take 2 weeks for them to validate me once I fax a letter! My data is locked up in their mess of a system. No escalation, the remedy makes no sense, and it could cost me money. Who are they accountable too?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-27
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
information on credit report is not mines i have no knowledge of the collection and would like for it to be removed off of credit report

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 2017-07-31
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company took {$1400.00} from my checking account before I agreed to the terms. There was no third party verification and the supervisor was pressuring me and trying to intimidate me into paying {$4500.00} which I explained that I could not afford. I told him I was no longer interested in the payment terms. I then went online and paid the past due amount to American express on the XXXX of XXXX, 2017.  The next day, on the XXXX, of XXXX 2017, XXXX XXXX , XXXX. took the {$1400.00} out of my checking account without my authorization with a check that appeared to be written by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-31
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX, 2017, I contacted Midland Credit Management about a debt that I had owed. I was not disputing the debt but wanting to pay it off. I negotiated a payoff amount of {$1000.00} and paid it by credit card. I have received several notices threatening garnishment of wages AFTER I paid. I tried several times to contact them and each time I was transferred and then sent to voice mail. I have left several messages trying to explain that this debt was paid. I finally went on line to find a different number or address to contact and found one for the corporate office in XXXX XXXX, CA. I sent and email and a copy of the credit card statement. Two weeks later, I received a letter validating the debt that I had owed but nothing about the pay off. I have the credit card statement with the payment to Midland Credit Management on their and they still refuse to acknowledge that I paid the debt. I just received a letter again ( XXXX XXXX, 2017 ) stating that they investigated and found that the debt was valid and they would start collection procedures again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-27
Company: HCFS Healthcare Financial Services of TeamHealth
State: MO
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 have numerous medical bills on my credit report which goes against the laws. XXXX XXXX have to open accounts on my credit report, account resolution services, XXXX XXXX  and account resolution corpo

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