BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 am not sure what type of games that Transunion, and XXXX  is trying to play but I am over this cat and mouse game with these credit reporting agencies. The remarks on my credit report are inaccurate. XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX all have remarks that are inaccurate and should be removed immediately!

DISPUTE OF ACCOUNT INFORMATION for any or all accounts need to be removed. The accounts was not investigated nor was the information I requested provided. I did not ask for a verification I asked for validation with paperwork that I requested and never got. While disputing, By law there should not be any negative marks on my credit report per FCRA after the dispute is over there should be NO REMARKS THAT I THE CONSUMER DID NOT AUTHORIZE! THE ISSUES WAS NOT RESOLVED IN MY EYES I AM NOT SATISFIED AND I WILL CONTINUE TO FIGHT THESE CREDIT REPORTING AGENCIES. I WILL BE FORWARDING THIS TO MY ATTORNEY AND THE CEO 'S OF THESE CREDIT REPORTING AGENCIES! My XXXX  account and XXXX XXXX on XXXX XXXX   is showing NEEDS ATTENTION when it is in bankruptcy. That remark was not authorized and it looks as though it is still open. Not a good look for my credit after filing! My last name is not XXXX  that Transunion has on my credit report! I have not applied for these accounts that is in XXXX! I have not been XXXX since XX/XX/XXXX! I have sent ID AFFIDAVIT to all the credit reporting agencies I believe it was in XX/XX/XXXX. I have the paperwork somewhere at my home. There is addresses on my report that I NEVER lived at and the response I get from these bureaus is this credit card is linked to this address. If the card is opened under ID theft/fraud and I never lived there how in the heck can you say you investigated my request to investigate! Remove this garbage immediately! Credit applications should not be done online without being in person. this is ridiculous! I will send a copy to the CEO 's of these bureaus too!

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 2019-09-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
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:
I started trying to repair credit XX/XX/XXXX. I have sent all hard inquires in that were not legally obtained. I also had old debt that I was fighting anything on my reports since it was already at that point processed as bad debt to the original creditor. 
I than again sent certified mail to all beauros XX/XX/XXXX a year later for all the same hard inquiries and debts that were still remaining on my account with no legal update after give way more then the 30 days that they have legal rights to update. For both my husband and I. I never received an updated credit report fixing any issue for either of us from any of the 3 credit beauros. I continuously try to reach out via phone and again sent certified mail XX/XX/XXXX. I have reporting s from accounts that are inaccurate that I never signed for from XXXX that are still on my report and now 5 years later are remaining and not even the collector has the original signed documentation of proof. I keep going back over and over trying to have all these hard inquiries removed as well as the debts that are no longer just and no one is even attempting to correct or sent proof of an attemption.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: LD Holdings Group, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I Was checking my checking account to make sure that my creditors where getting paid in a timely matter. I was shocked to see that I had missed 4 mortgage payments, bc I had set up auto payments apparently this was not done by my bank but one time since the first of the year. This is way I thought my mortgage was paid, I had excellent credit score in the 700 now its in the 600.there trust in a bank when you become a member, this was breached by XXXX, for not paying my creditors in a timely manner I was very upset bc of this response from XXXX. For not calling me to let me know that y mortgage was not being made. Long story I paid the oweing balance in full, now Loandepot states that they did not get the {$4200.00} that was sent to themXX/XX/2021and now they are charging me interest by day, bc they Loandepot states that they did not get the ACH payments sent to them from my bank XXXX just4 days ago, but my bank XXXX states that they cash the XXXX check of {$3200.00} Plus Loandepot gave e two loan numbers to identify my account. One they changed in the space of a week to a new number old number is : XXXX. Now they gave me another # XXXX l think they are trying to cover up. My ACCOUNT so they can confuse me.please look into this matter for me, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: Experian Information Solutions 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:
Date open XXXX/XXXX/2020 Amount {$1300.00} Experian. 

This account is incorrect and without authorized. After investigating the other two credit company have been deleted this account. But unfortunately Experian has no action with it after I called twice to dispute it.

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 2018-11-23
Company: Midwest Recovery Systems
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
A company called XXXX XXXX  XX/XX/XXXXhad put a negative item on my report for an amount not owed. I hire XXXX XXXX XXXX about this and after a while it was taken off my report needless to say it is over 5 years old, anyway the debt was put back on my credit report as a new debt and reported fraudulently under a different amount. It was taken off my report again. This last time it was added to my report by a collection agency under a different amount as being a new debt from Midwest recovery with the date as beingXXXX this information is totally incorrect. Please look into this matter as I feel that it is not legal or ethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: EQUIFAX, 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:
A fraudulent account was set up in my name by a company named XXXX ( I've never heard of or applied for anything from this company ). I contacted this company three months ago to make them aware of the issue. In turn, they stated they closed the account. Two months later, a 30 day past due alert was posted on my credit reports for Equifax, XXXX, and XXXX. I immediately contacted XXXX again to make them aware of the errors. They researched the account and notified me, through email, this account is fraudulent and the account is closed and they will report it to the credit bureaus. Three days ago, I received a notification that the accounts are over 61 days past due. This has brought down my credit scores substantially and is preventing me from refinancing a property I own. I feel as though XXXX is not taking the steps they claimed they are taking and therefore putting my credit profile at risk. 

Your assistance in the matter is greatly appreciated! 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: Bread Financial Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt was paid in full with original Creditor for {$660.00} in XXXX of 2020. Debt was wrongfully put on my credit report as a collection and needs to be taken off by collections agency immediately. This has been fraudulently added to my credit report and is damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: EQUIFAX, 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:
Hello - I've been disputing the following below items with the bureaus and they all remain on there in violation of the Comprehensive Credit Act of 2020, Section 401. I've sent them multiple letters. No collection should remain without a contract. Same goes for inquiries as well. I have no authorization/contracts for such. There should not be any late payments either for accounts that I've paid in full, i've already discussed with them about this. 

XXXX XXXX XXXX {$4300.00} - Closed & paid in full never late ( unverified late markings ) XXXX potentially negative months XXXX XXXX - Inquiry Unauthorized Inquiry from XX/XX/XXXX XXXX XXXX XXXX - XXXX, debt buyer??? 
Opened XX/XX/XXXX {$290.00} XXXX XXXX XXXX - unauthorized inquiry Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - unauthorized inquiry Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2019 I deposit a check at ATM In XXXX on XXXX XXXX in XXXX Ga. I paid the express fee. And then I went in the Branch and tried to get a money order and the XXXX XXXX gave me such a hard time about my funds and said that my funds was pending and wouldnt give me a cashier check. So I had to with draw from ATM and go to XXXX XXXX  for a cashier check.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Company: CITIBANK, N.A.
State: FL
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:
All activities occurring between XX/XX/2018 to XX/XX/2018 on my business credit card account are fraudulent activities. 

I informed Citibank of the fraudulent activities as soon as they were noted on XX/XX/18, prior to several of the transactions posting to the account allowing enough time for Citibank to freeze the account but they did not. 

I contacted Citibank on numerous occasions over the phone in regards to the fraudulent activities as well as talked on the phone with a representative from Citibank, the car rental company posting a charge, XXXX, and this charge was reversed but I was never given any information as to why it was reversed. 

Citibank reversed several other charges that was disputed during this time period, but would not reverse other charges that occurred during the same time period. 

I have requested on more than one occasion that Citibank provide me with all the details of their investigation into this matter including the phone conversation regarding a car rental transaction that Citibank later stated was fraudulent, all discovery and any information that they obtained during their investigation. They will not supply me with any of this information. 

I have discovered that I was a victim of identity thief during this same period and I had fraudulent activities on this account similar to other fraudulent activities noted on my other credit card accounts during the same period of XX/XX/2018 to XX/XX/2018. There were even 2 credit card accounts opened in my name during this period of time. 

I have filed a police report in regards to all the fraudulent charges made from XX/XX/2018 to XX/XX/2018 on this account but Citibank is not assisting in any way with the matter. 

This account has been closed to prevent any further fraudulent activities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Receivables Management Partners, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
in XXXX and XXXX someone called purporting to be a debt collection company. and said I owed {$340.00} on purchase I did not make and know the phone number they nothing about. they keep calling and playing the same recording. its interesting that they BABBLE their name very quickly and I can't understand them : accounts receivable XXXX XXXX XXXX. or something like that. the phone calls are annoying and even harassing. and no additional information is offered by the caller to explain what this is all about. the phone number they give is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Company: U.S. BANCORP
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened my account during a promotion to receive {$200.00} for establishing an account and setting up direct deposit of {$1000.00} within 60 days. I opened the account XX/XX/XXXX the last day of said promotion. I met the terms by XX/XX/XXXX. I waited the requisite 60 days from meeting the terms to contact the bank, I called in several times over the course of 2 weeks and never heard anything back. Eventually after  having to go into the actual branch and having people tell me that they would contact their promotions team and get back to me another and not hearing from anyone their response was that the agent who opened the account did not attach the promotion and it has expired so they would not be giving me the bonus. This is unacceptable as I opened the account within the designated time frame and met all the conditions, this was a mistake on the part of U.S. Bank and their employees and therefore needs to be corrected by them otherwise it is false advertising.

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 2020-08-15
Company: CURO Intermediate Holdings
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I asked them to delete me from their records. This is the email answer I received. Why can't they delete me in my entirety from their information. I haven't had anything to do with loans for over 3 years. I don't remember ever having anything with Speedy Cash. I have been a victim of ID theft and do not want my information out there. 
RE : Inbox x Speedy Cash Tue, XX/XX/XXXX, XXXX XXXX ( 11 days ago ) to me Dear XXXX XXXX XXXX, Thank you for contacting us. Unfortunately, we are unable to honor your request to delete your account information as we are legally required to keep your information on file. Note that you will only receive future communications from Speedy Cash that are legally mandated. 

Thank you for choosing Speedy Cash. 

Sincerely, Customer Service Phone : XXXX Fax : XXXX Email : XXXX From : Sent : XX/XX/2020 XXXXXXXX XXXX  XXXX To : XXXX Subject : Delete me from your system. Unscribe. 
XXXX XXXX XXXX This email was sent to XXXX This email was sent by Speedy Cash XXXX XXXX XXXX XXXX, KS XXXX XXXX Speedy Cash. All Rights Reserved. This email was delivered by Speedy Cash as a confirmation of your account activity. 

We respect your right to privacy - view our privacy policy Update Preferences | View in Browser This email message contains information from Speedy Cash and is confidential. The included information is intended only for the use of the individual or entity named above. If you are not the intended recipient, be aware that any disclosure, copying, distribution, or use of the contents of this message is prohibited. If you received this email in error, please notify us immediately by telephone at XXXX or email at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: EQUIFAX, INC.
State: TN
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 90 plus days past due on the XXXX   accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 8 and 9 of the attached credit report. This account reports 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 incorrect reporting is harming my credit scores. Please 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 2021-07-12
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: Diversified Consultants, Inc.
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 collection agency is trying to collect money from me on the behalf of XXXX  when i never had an account with XXXX to begin with .... I've been disputing this account for years .... now they trying to collect .. please note that even on the printed bill they sent to me the name does not match mine and the address they have on there don't match my address ... i also sent sprint a fraud package with a police report in XX/XX/2018 but i doubt they really looked into the situation. When i try calling the fraud department no one answers ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-22
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card
Issue: Delinquent account

Complaint:
I currently have a billing dispute regarding my credit card. While the dispute was under investigation, the bank reported my account negatively to the credit-reporting agencies. Can it do this? 
No. Generally, if you have filed a proper billing error dispute, the bank shall not make ( or threaten to make ) an adverse report to any person about your credit standing. 

The bank also should not report that an amount or account is delinquent because you failed to pay the disputed amount -- or related finance or other charges -- while the investigation proceeds. 

Chase put a 30 day late on my credit reports. I have tried to get them to remove this and they refuse. This was not my fault because I never received any notification by Chase. I finally setup electronic statements and then received them. I have done everything I can to resolve this with them with no luck. I just want the 30 day late removed from my credit reports. If I was responsible and it was my fault I would take responsibility but this was Chases fault. Now because of this mark on my credit this has lowered my credit score and I was not the responsible party that caused this. As I stated before by past record never showed any late payments on any of my accounts. In fact in my entire life I have never had a late payment on any of my revolving credit card accounts with any company, that 's a fact. I am now XXXX years old and why would I do that now? Chase has been a great company and service until now and they refuse to work with me on this. 15 years with Chase alone and never XXXX late payment so why would I have XXXX now unless this was a unique situation and not my fault. Individuals should not be blamed for mistakes that Chase makes. Have them check all my accounts through them and not one has ever had a late payment. Why would I have XXXX late payment when my credit through them has been perfect. Why would they credit the late fee if they were wrong? Why is Chase so willing to ruin peoples credit with no consideration that I have been a customer of theirs for 15 years and never XXXX late payment? This pertains to account number ending in XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My Citi credit account was recently closed due to returned payments made within the last 6 months. 2 payments were made using the wrong checking account number. An amount to XXXX and XXXX. An payment of XXXX cleared before closer and was made over the phone use the correct account number. 
I don't feel I was treated fairly by the Citi Bank. I spoke to the department in charge of the closer as well as the Supervisor. I  was told the account can not be reactivated. I wasn't given a reason. I again was treated unfairly. The amount that remains on the account is 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 2019-01-11
Company: SUNRISE CREDIT SERVICES, INC
State: MA
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:
someone else used my information to obtained credit.

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