BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-03
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 status incorrect

Complaint:
I have summited information numerous times showing and proving they are clearly violating my rights by continuing to report new dates of delinquency on a closed account and have ask that they comply with fcra requirements I demand that they immediately remove the account information for XXXX  and XXXX XXXX immediately from 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 explanation
Consumer complaint received 2017-09-29
Company: Experian Information Solutions Inc.
State: MN
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 had a major data breach recently and there is hard inquiries on my credit report that are fraudulent, unauthorized and don't belong to me. The following hard inquiries are fraudulent and unauthorized: XXXX Information, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08
Company: T.S. Holdings
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:
XX/XX/XXXX ' a collection was assigned to a charged off amount that was " owed ''. 
This account was a joint-account with a former roommate. The amount initially agreed to was approximately $ XXXX dollars - half of the amount, since this was a joint account. No direct-communication was made after XX/XX/XXXX. 

In the most recent credit report from XXXX, it now states a balance of {$1300.00} -- and that 49 % paid off. In which both entries are 1. ) inaccurate 2. ) Completely false.

A screen shot of email dialogue between the original furnisher : XXXX and or " internal '' collections of original debt -- states an actual amount due ; approximately $ XXXX {$590.00}. 
The email was uncovered, A screenshot was taken, the black and white pdf was uploaded onto the credit agency 's website. 

In XXXX of XXXX, a follow-up call was made to XXXX 's customer service. A new dispute was filed regarding the inaccurate amount, the agent documented and- retrieved the uploaded document. The collection item, was promptly updated -- within 24-36 hours with the revised amount. 

XXXX month later, the item resurfaced -- I was never notified of the action taking place on my account. No letter was ever sent to my address; indicating the updates, and or the actions that took place with the customer service agent. 

It has now been approximately five years since the item was sent to the collection agency ; IQDATA. Origins of the debt is furnished in a state I no longer reside in. 

I never signed any agreements, or made direct contact -- aside from disputes through the credit agency 's, for the inaccurate amount that is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: EQUIFAX, INC.
State: AR
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:
Decided to make a big move in buy my first home. I knew I wanted to go into a first time home owners program, due to them being able to help you financially. But my credit has been compromised because I have numerous of items that are not mine. Can you delete these items from credit report so I can purchase my first home. Thank you. 

XXXX XXXX {$1200.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX {$6000.00} XXXX XXXX {$4200.00} XXXX  XXXX XXXX {$230.00} XXXX  XXXX XXXX {$4200.00} XXXX XXXX {$320.00} XXXX  XXXX XXXX {$98.00} US DEPT ED XXXX {$6100.00} DEPTEDXXXX XXXX {$3500.00} XXXX/XXXX  {$400.00} XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
I had three credit accounts with XXXX XXXX XXXX. I got into some financial difficulties and I was not able to make my payments on time to capital one. After several failed attempts with XXXX XXXX XXXX to reduce my monthly payments or to make an arrangement with me so that I can keep paying capital one on time my accounts went into collection and charge off status with capital one. Within a few once my finances started picking up. I called capital one to pay for the debts. I was told that they can offer me a settlement amount on each three accounts and I a pay the settlement offer in one payment instead of making monthly payments. So I made payment on the accounts as follow : My three accounts ending in XXXX charged off on XX/XX/XXXX, with a balance Of {$2100.00}. On XX/XX/XXXX, this account was settled for  {$1100.00}. My account ending in XXXX charged off on XX/XX/XXXX, with a balance of {$2100.00}. On XX/XX/XXXX, this account was settled for {$1000.00}. Your account ending in XXXX charged off on XX/XX/XXXX, with a balance of {$870.00}. On XX/XX/XXXX, this account was settled for {$430.00}. All of which I paid and paid in full. 
Now I previously file a complaint that capital one is not reporting these trade line correctly. These accounts are paid and on XXXX XXXX XXXX these account are not reporting that I paid these account. So it makes the account look like I did not pay any money on these accounts when I paid these accounts over 3 years now. For the whole 3 years Capital one has been violating both state and federal law and reporting these accounts inaccurately. Now according to new York State Law paid charge offs are supposed to be remove from a consumer report 5 years after the first date of delinquency. I would like Capital One to remove these accounts off of my credit files being that they have been reporting it inaccurately for some many years, and has caused me and my children hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: CITIBANK, N.A.
State: CO
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 a Citi Priority checking and savings account on XX/XX/2021. They were supposed to deposit {$700.00} after 90 days of maintaining a minimum balance of {$50000.00}, which I did. They give themselves an additional 90 days to make that deposit. It is now XX/XX/2021 and I have never received their advertised bonus despite meeting all requirements and having called numerous times. I would like them to pay the bonus plus interest.

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 2019-10-11
Company: Northern Service Bureau, Escanaba Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX, I received a phone call from a Mrs. XXXX at the Northern Service Bureau in XXXX, Michigan asking me to return her call. On XX/XX/XXXX I returned her call and spoke with XXXX. XXXX was not nice and proceed to tell me that legal action will be taken against me if I do not resolve these issues. I asked her if she was threatening me with legal action cause that is a violation of federal law. She replied with I didn't say that! I informed her I do collections for a living and it is a violation and if I did that I would be fired. She told me I owe over {$800.00} from the early XXXX and it needs to be paid. I told her my financial situation does not allow me to make payments at this time. She continued to argue with me on it. I did inform her to never call me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I closed on my mortgage in XXXX 2016. It was a new building construction. At the time the closing they only escrowed my taxes based on the property value without the building. So my taxes were around {$63.00} based on the land only. They came back to me in XX/XX/XXXX and are now collecting back taxes. My monthly payment has now gone up by {$600.00} which I can no longer afford. The relator and title company never explained this to me. The condo building is only at 10 % capacity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The 3 Credit Bureaus is reporting inaccurate information on TSIXXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: EQUIFAX, INC.
State: PA
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 writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2021-12-01
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
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:
ftc violations n the state of Texas, debtors are primarily secured against harassing and deceptive collection acts by the FDCPA or Fair Debt Collection Practices Act. Under this act, debt collectors are forbidden from : Repeatedly or continuously calling debtors or creditors. ... Violently threatening creditors.XX/XX/2015

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 2017-07-06
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My wife and I co-signed on a home loan for our daughter in   XX/XX/XXXX . The  loan was through  XXXX   XXXX . In   XX/XX/XXXX  our d aughter having had medical problems neglected to inform us that she was behind in her payments. We immediately resolved the issue bringing the account up to date. Since the account was 60 days past due  XXXX   XXXX  reported this to the maj or Credit re porting agencies resulting in our  credit score f alling from the  XXXX    XXXX   to the  XXXX   XXXX . We had never been informed by  XXXX   XXXX  that the account was overdue. We called the  XXXX   XXXX   XXXX  departm  ent (    XXXX   XXXX   XXXX   )  and were informed that they are not required to notify the co-signers of past due payments. If that is the case ( and law ), then why should they be able to report this to the credit reporting agencies affecting our credit?.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , Va  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 2021-06-12
Company: Experian Information Solutions Inc.
State: NV
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:
There are accounts listed on my credit that I don't recognize not does it belong to me. Please remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
The bank of america atm on XX/XX/XXXX failed to read my check that I deposited due to no fault of my own. The bank put the funds on hold and two weeks later sent me a letter assuming that the account my check was drawn from was closed. However later the bank representative realized that it was bank of america who was at fault. The money was put on hold before my funds would clear until I made a cash deposit, however before I put in cash it resulted in a large amount of overdraft charges. The bank manager refused to credit back the last 8 overdraft fee charges because in the reps opinion the bank credited back enough penalty fees already. I clearly explained to her that it was simply not my fault that the bank of america atm was unable to read my check. I have never gotten back my few hundred dollars the bank took from me in penalty fees.

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 2019-06-25
Company: LoanCare, LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was with XXXX during this time with XXXX there was a mix up with my escrow stating that the escrow account had a shortage of XXXX. XXXX did a escrow analysis and found that the shortage had been paid this happened in XX/XX/XXXX.So now that XXXX transfered my loan to Loancare in XX/XX/XXXX Loancare is stating I have a escrow shortage.I have reached out to Loancare they did a escrow analysis stating i have the shortage.

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 2019-08-07
Company: TD BANK US HOLDING COMPANY
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/19 A charge by XXXX XXXX for {$26.00}, Have advised the TD Card services, spoke with XXXX, she said it was a small charge and will issue a dispute, give a temporary credit. 

I offered her an email that was sent to XXXX XXXX disputing and informing the charge was invalid and unauthorized, she then said that the credit be permanent. 

Well nothing happened. Nothing was done by TD card services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
State: VA
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 applied to XXXX bank for a Home Equity Line of Credit on or around XX/XX/2022 ; however, the XXXX bank was unable to pull my credit report. The Error Code was J. I also tried to sign up to myequifax.com to get my free copy of credit report ; however, couldnt sign up since I got an Error Code NH. Beginning on or around XX/XX/2022, I have called Equifax Customer Care for about 20 times and a few times even with the XXXX Bank Manager also on call with me ; however, nothing was resolved. I sent an email to XXXX XXXX XXXX, CEO of Equifax on XX/XX/2022 and having received no response sent another email to XXXX XXXX on XX/XX/2022 but havent heard anything back from XXXX XXXX or his office yet. In response to an advice of customer care, I sent a copy of my Drivers License through USPS mail on XX/XX/2022. Subsequently, again in response to an advice by customer care, I sent a fax to Equifax on XX/XX/2022 and submitted copies of my Drivers License and W-2 with a request to resolve the issues related to the Error Code J that the lender encounters when trying to pull my credit report and the Error Code NH that I encounter trying to sign up for myequifax.com and requested to release the information to the creditors. There has been no progress or resolution till today. The Equifax doesnt even acknowledge the receipt of my fax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
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:
I resided at XXXX XXXX dorms from Fall XX/XX/XXXX to Spring XX/XX/XXXX and left afterwards In XX/XX/XXXX, my wallet was stolen ( contents included Social Security number, Drivers license, Bank card, medical card and state ID. ) Police report was filed and credit bureaus were alerted for potential fraud issues XX/XX/XXXX, I began to receive letters from FCO collections agency stating that I owed a balance of {$6200.00} from the XX/XX/XXXX school year, 4-5 years after my departure from the area. <P/>Today, I contacted theXX/XX/XXXX in regards to the matter and it was made known to me that another person has a similar name to my own. I disputed the account on my credit report as well as sent an email to FCO. Also called the service accounts department to alert them of 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 2020-04-24
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:
ftc violations n the state of Texas, debtors are primarily secured against harassing and deceptive collection acts by the FDCPA or Fair Debt Collection Practices Act. Under this act, debt collectors are forbidden from : Repeatedly or continuously calling debtors or creditors. ... Violently threatening creditors.XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 applied for a car loan at in the month and year of XX/XX/XXXX and I Authorized XXXX XXXX XXXX in XXXX to check my credit to see if I qualified for a auto loan. Recently reviewing my credit multiple unauthorized inquiries were made on my credit. XX/XX/2018, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XX/XX/2018, XXXX XXXX XXXX XXXX, XX/XX/2018 XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX   XXXX., XXXX XXXX XXXX, XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX and XXXX XXXX Auto XX/XX/XXXX a total of 20+ unauthorized hard inquiries were ran on my credit without my permission by financial institutions without my consent. Thank You

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