BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
THIS IS NOT A REPORT OF IDENTITY THEFT This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX XXXX  # XXXX Creditor : XXXX XXXX XXXX  XXXX # XXXX Creditor : XXXX XXXX  # XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX  # XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor. 


Removal of inaccurate information and unverified information. Federal Registrar is attached for reference to what is accurate and verified data with integrity.

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 2021-08-11
Company: CITIBANK, N.A.
State: NY
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:
I submitted a balance transfer with Citi cards on XX/XX/XXXX, after clarifying the terms with a representative that I would need to pay off all other purchases except the balance transfer amount to avoid interest. I paid {$160.00} to do this balance transfer. 

I have just received my XXXX bill where I was charged interest of {$76.00} and I am now being told that I would need to pay off the entire balance transfer as well to avoid interest. I would not have done the balance transfer if I knew these were the terms.

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 2020-11-17
Company: Bread Financial Holdings, Inc.
State: CT
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 submitted several disputes with each credit bureau. I have been a victim of identity theft and as a result my personal information was used and compromised. Several accounts showing on my credit report are listed as a result of identity theft. I have contacted XXXX  and they are refusing to remove these fraudulent account as well as XXXX  and I am not able to gain access to XXXX  so that I can dispute these fraudulent accounts with them as well. I have submitted a verified police report as well as an FTC affidavit as verification of being a victim of identity theft. When contacting XXXX  I was told by a representative of the Specialized Fraud Department, that once a dispute is submitted and the company says that the account is yours they will not remove it. This has caused me a major hardship, because my information was stolen and I have been victimized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-15
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX XXXX sent me a vague letter trying to collect {$11000.00} for US Bank with Account number ending in XXXX. 

US Bank Debt with account number ending in XXXX was discharged nearly 2 years ago on XX/XX/2018. Bankruptcy discharge info is below. XXXX XXXX XXXX XXXX should have had ample notice that this is not a valid debt. Trying to collect it now is either careless and/or shady business practice that causes unnecessary stress on the victim and wastes everyone 's time. This should not be allowed and XXXX XXXX should be punished for making false/careless collection claims. 

My bankruptcy discharge is below. 

United States Bankruptcy Court XXXX XXXX of California Case number : XXXX Order of Discharge Chapter XXXX IT IS ORDERED : A discharge under 11 U.S.C. 727 is granted to : XXXX XXXX XXXX aka XXXX, XXXX Debtor 1 Discharge Date : XX/XX/18 Dated : XX/XX/18 By the court : XXXX XXXX XXXX United States Bankruptcy Judge

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 2020-05-15
Company: Experian Information Solutions Inc.
State: IL
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all 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 explanation
Consumer complaint received 2020-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I bought 3 airline tickets back in XXXX unaware of the covid pandemic situation that was about to happen. The airline canceled my trip from XXXX to XXXX and the coming back. XXXX XXXX, XXXX, XXXX are not responding fairly during this crisis and are tryong to keep my money. My credit card is about to quite fighting this charges with them but I dont think is fair to pay for a flight that they actually cancelled because of the situation and by presidential orders. The companies are not responding and doesnt admit that they must return the money. My credit card Capital One partially refunded but now am getting everything re-billed, which I wont pay since is not fair to pay for a service that they ( XXXX, XXXX XXXX ) cancelled. Aside from that, XXXX XXXX XXXX  fail to send me an e mail saying that the trip was cancelled and they are still charging their fees for a reservation that didnt happened. I could have fly from XXXX XXXX to XXXX and have gotten stocked in XXXX airport. I had the fortune that my sister got the same ticket with XXXX and they did provide her the info and refund of money fairly. 
Please help me get back my money. I dont want to loose my good credit but dont want to give up my money.. almost 2000 dlls in something that did not happened. 
XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-20
Company: DISCOVER BANK
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This number called me from an Arkansas area code where I live  ‭+XXXX (XXXX) XXXX‬ .  They said that I was the Discover credit card holder and I’ve paid my payments on time. It was a recording and I do not have a Discover credit card. They asked me if I wanted to lower my interest to click #1.  I am deathly sick of people abusing the phone by using an area code in Arkansas or in my area so that I will pick up the phone. I had got to the point where I wouldn’t answer any calls other than an area code from the state because I was always afraid my family was calling needing help. Now I cannot answer area codes  in my state and if I do I’ll pay for it by having to take time out of my busy life to answer the phone. I am just sick of this and it should be against the law for any wine to get on the computer and make up a phone number and call you because sometimes when I don’t answer the phone I called the number back and it says the number is disconnected or they’ll change their phone  and call me again what’s another number computer generated. I really feel this should be against the law. I know there is no discover business in Arkansas and this was a XXXX area code. Please do something about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX and ProCollect have reported negative and false information to the the credit bureaus. I am a victim of identity theft and the reporting debt and documents do no belong to me. I notified the property manager XXXX at XXXX XXXX XXXX and notified the debt collector ProCollect of all police reports and identity theft reports. I was told that since they can not find the person that stole my identity they will continue to collect the false debt from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: LoanCare, LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Myloancare.com has changed how their online payment fee structure works. 

If you call in with your number the call clearly states " No fees will be added if paid within 15 days '', but then goes to say " Fees will be added after 4 days after due date ''. 

My mortgage specifically states that there will be no fees if paid by the 15th, nor have I been charged any until this month. 

Now, with this change, there is no way to avoid a XXXX dollar fee ( at minimum ), whether paying online or by phone. They are going directly against my service loan, with no option to do anything but to pay the XXXX dollar fee, or more depending on how I pay. 

By submitting a payment online, I am forced to accept the service charge, if I want to pay online, otherwise can pay over the phone for {$12.00} -- All going directly against the original loan terms. 

The eStatements from the previous month do indeed say something about no fee from auto draft, and " Up to XXXX for online payment '', whereas my loan does not differentiate between the two. 

They are intentionally violating the terms of my loan by these changes, and did not send out any warning or notice of change, nor did I agree to any change as stated.

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 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all 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 explanation
Consumer complaint received 2020-05-15
Company: Experian Information Solutions Inc.
State: CO
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:
Every single credit bureau has listed incorrect or old outdated personal information in my file. 

The following is the only information that should be reported. 

1. NAME : XXXX XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX. Employer : XXXX All other names and sub-names should be deleted. 
All Old address that do not pertain to me as of right now should be deleted. 
All Old employers that do not pertain to me as of right now should be deleted. 

Failure to delete and correct the requested information will result in a legal notice from my attorney on this matter.

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 2021-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been trying to request my credit report in different credit monitors such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and all 3 give me an error since they indicate that my SSN is incorrect, I have called the offices to correct this error, but I continue without obtaining results, they told me that it had already been resolved, which is a lie because I still can not obtain a credit report, the error is theirs since my SSN is correct.

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 2020-04-27
Company: Experian Information Solutions 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:
I went to buy a jet ski for my daughter for the summer, but in order to get it financed my credit had to get pulled. I found a fraudulent bankruptcy and couple of inquiries that are not mine. Please remove these things from my 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 2021-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I XXXX XXXX HAS ASKED EACH REPORT BUREAU TO PROVIDE IN WHICH IS required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. 

iT'S BEEN OVER 30 DAYS SENT LETTERS ON XX/XX/2021. IT IS NOW XX/XX/2021.

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 2020-12-09
Company: AmeriHome Mortgage Company, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/2020, the property located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX was under contract and set to close at the end of the month. With that being said the payoff had been sent and was awaiting the closing instructions from the attorney and lenders. The intended buyer was laid off due to COVID issues at her job. When this occurred it was XX/XX/XXXX. As soon as I, ( the owner ) was notified the sale would not go through I paid the mortgage for the month. Amerihome reported the payment as late. I have NEVER had a late payment or missed any payments with any company. The home went back on the market and closed in XXXX. However, this late payment ( derogatory payment ) went on my credit report and has affected my credit score. 

Please assist me with removing this erroneous error. 

The loan number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is violating FDCPA, FCRA, and Consumer protection Laws in connect with Accounts not Authorized, Verified and/or not accounts with no contractual agreements to this company. This Company is also in violation of COPYRIGHTED name and/or likeness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my Bank of America Home Loan with a new lender called XXXX, the new loan funded on XX/XX/XXXX. I had an escrow/impound account with BofA and was informed i would receive the funds within twenty days of loan being paid off which is in compliance with Ohio state law. 
Unfortunately, the funds were not delivered within the legal time frame. I called BofA on many occasions requesting the funds and was given excuse, after excuse as to why the funds haven't been released. 
The total amount to be refunded was {$3500.00}. After many calls, escalations, etc. i finally received {$3200.00} on XX/XX/XXXX. 
The funds received were short {$380.00}. I've escalated this matter with multiple supervisors, escrow specialists and have been left in the dark for weeks. I finally received the remaining balance of {$380.00} on 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 monetary relief
Consumer complaint received 2018-04-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Summary of Problem : My rent check, which was made out to a business ( XXXX ), was illegally stolen and cashed into a personal checking account. I filed a fraud claim with my bank ( Bank of America ) against the bank with the check was cashed ( XXXX XXXX ). I also filed a police report which I provided to my bank for the fraud claim. XXXX XXXX will not respond to my bank at all and Bank of America has tried to close my fraud claim because XXXX XXXX will not communicate. 

Details : I sent my rent check to my landlord on XX/XX/XXXX. My check was stolen in the mail and illegally cashed on XX/XX/XXXX. The amount was {$1600.00}. 
The check was made out to to " XXXX XXXX XXXX '' which had XXXX in the title, which is obviously a business. XXXX XXXX XXXX utilizes a stamp with their name to endorse every one of their checks. 
The check was cashed at a XXXX XXXX to a personal account. The check had a scribbled signature on the back when I reviewed it in my account. The check should have NEVER cleared at XXXX XXXX. The account it was cashed to was a personal account. NOT A BUSINESS. The personal account also had no affiliation with XXXX XXXX XXXX. 
I filed a police report and the detectives were able to track down the person whos account the check was cashed to but was unable to make an arrest. 
I filed a fraud claim with Bank of America, which is my bank, and they can not recover the funds from XXXX XXXX. Bank of America has tried to close the fraud claim because they say XXXX XXXX   wont respond to them. Which seems like a lazy excuse to just give up on me and move on. 

I am getting completely screwed by XXXX XXXX because they let a check, that was made out to a business, get cashed into a personal account that had ZERO association with the business ( XXXX XXXX XXXX ) and not they are just ignoring legitimate claims that they should refund my money. 
I am also getting screwed by my bank ( Bank of America ) because they are not doing nearly enough to get my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-04
Company: EQUIFAX, INC.
State: TN
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'm filing a complaint against Equifax and XXXX  regarding my credit report. Both companies have failed to provide any proof that I gave these lenders promission to pull my credit. I never gave these companies any consent to inquiry my credit report. There was a hard pull from XXXX XXXX XXXX  on XX/XX/2017 and another hard pull from XXXX XXXX on XX/XX/2017. I need a signed application stating that I authorized these inquiries. If the credit companies can't provide these signed documents, please have these two hard pulls removed from my credit report. 
XXXX  file # XXXX and Equifax file # XXXX.

Company response to consumer: Closed with explanation