BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-02
Company: ID Analytics, Inc.
State: FL
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:
On or about XX/XX/XXXX I applied for a XXXX XXXX XXXX XXXX XXXX via XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX. On XX/XX/XXXX I received a denial letter from XXXX XXXX dated XX/XX/XXXX ( Being sent herewith ) which stated in relative part " ... Your credit card request was carefully considered, however, based on information in your credit report, we are unable to approve your application at this time for the following reasons : " inquiries did adversely affect the score Consumer associated with too many phone changes Not enough bankcard debt experience Not enough debt experience. '' The letter further stated that : " Our credit decision was based in whole or in part on information obtained in a report from the consumer reporting agency listed below. '' The consumer agency listed was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Your credit score as of XX/XX/XXXX : XXXX The information reported to XXXX XXXX by XXXX XXXX XXXX is inaccurate. My credit profile with XXXX, XXXX, and XXXX  does not reflect " any '' of the information alleged by XXXX XXXX XXXX. In fact, I have an XXXX XXXX Platinum Card for the past 41 years and my Credit Score is well in the " Very Good '' range and my mix of credit cards and loans etc. are considered to be " Excellent '' by all three of the aforementioned 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 2019-05-10
Company: CITIBANK, N.A.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I recently applied for a credit card with CitiBank. The application was denied and I contacted them and asked why and they said I had a bankruptcy still showing. They suggested that I call XXXX  and follow up. I did so and there is no bankruptcy showing on my credit report and I verified by the copy I recieved yesterday in the mail. I contacted XXXX today and the again assured me I have no derogatory information on my report and i verifed the other 2 agencies and the same thing applies. I spoke with CitiBank yesterday and they pulled my credit report again and said it is still showing up. Please advise 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 explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: LA
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:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX Acct XXXX XXXXXXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights . 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: ENCORE CAPITAL GROUP INC.
State: IN
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:
This loan dose not belong to me and if this can be removed from my credit report i would appreciate if you can delete these items so i can further my family feature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
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:
I have a credit card from Capital One. Up until recently I have had a good experience. That is because on XX/XX/XXXX when my monthly statement usually generates they sent me an email saying my due date was being changed from the XXXX of each month to the XXXX of each month. I did not and would not request this. They arbitrarily decided this due to " system upgrades ''. I have read where Capital One was recently attacked by an online hacker. However, when I called their customer service the agent I talked to didn't say what those system upgrades were for and really didn't act like he knew much of anything. In addition, each XXXX I am charged a {$60.00} annual fee. So, now with this due date change which makes my next due date as XX/XX/XXXX I will probably have double interest charges plus the {$60.00} annual fee which will all come to close to a {$200.00} payment due which is unreasonable. If Capital One has to institute system upgrades because of a hacker I shouldn't have to pay for it. They said in their email I can request another due date but it will take 1-2 billing cycles to take effect. I have done that but they do not offer the XXXX of each month as I have had. I have had to request the XXXX of each month instead. I feel this is totally unfair to me and even unlawful. How can they just arbitrarily do this causing me financial difficulty? And, if I don't pay right on time I will get hit with a {$36.00} late fee. I get monthly SSA on the third Wednesday of each month and have been able to make timely payments. Now this throws everything off and, frankly, I feel they know this. Also, I have had this card and these annual fees since around 2011 and have requested at least twice to have that fee waived and they keep telling me I am not eligible. Yet, they have increased my available credit two years in a row.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
Today I check my credit report because I got a email Alert stating I have a new collection account via TransUnion. I opened my TransUnion account to find a fraudulent collection account being reported on my credit file which is totally not mine. I called the original creditor " XXXX XXXX XXXX XXXX '' And they stated they don't have my info within in their database. I quickly froze my TransUnion account so no more fraudulent activity would take place.

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 2018-01-02
Company: EQUIFAX, INC.
State: TX
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: Problem getting your free annual credit report

Complaint:
I went to XXXX XXXX XXXX and requested my 3 free annual credit reports. XXXX and XXXX allowed me to see my 2 free annual credit reports, print them and save them in PDF format after asking me security questions that were easy for me to answer. 

My complaint is with Equifax. Their questions made no sense at all and I selected None Of The Above for all of the answers. Either they do not want me to get my free report online or they have some really bad information in their computers. I want the CFPB and Congress to require Equifax to make their online request process simpler and easier like XXXX and XXXX. I really wish our federal government would take over these three companies and secure the information on their computers because none of them can be trusted based on the fraud that has been committed against these companies over the years. At least with the federal government we could have the NSA computer programmers making our credit information secure from foreign governments and hackers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There was a Collection on my Credit Report LVNV FUNDING LLC, account was opened XX/XX/2017 ( XXXX yrs, XXXX mos ). A credit repair team CRR, have helped to contact LVNV but we have not heard back from them. I would like LVNV FUNDING LLC to contact me so this issue can be resolved so is no longer showing on my credit report. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Real Time Group, Inc.
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
This is a continuation for complaint previously issued : XXXX I have received the note! Thank you. 
I have been waiting for the loss mitigation report. I have called and emailed multiple times asking for this to be expedited. We are at the 4 week mark and I have yet to receive requested documents for a settlement. This debt has not received payment in over 12 years, there are no reports of this debt listed or documented on any of the 3 credit bureaus. I am held up on offering a settlement to work on a refinance to get this house in my own name due to not receiving this information. The divorce decree has been sent along with court documents of order of content. For several years they have been sending statements to and only in XXXX XXXX name, to his address in XXXX, XXXX How this information was changed in the first place is still a mystery. The fact that they are sending the statement is his name only is also concerning. Why is my name not on these statements. The collection procedures make me feel it is a scam. You provided me with the note stating I am on this account, then my name shall be listed on ANY and EVERY statement that is issued! When I call to discuss, they still hound me for payment, and I am not doing such until I receive the loss mitigation. I have spoken with a bankruptcy attorney and am at the point of filing or just letting the house go in to foreclosure due to the stress it has caused me. At this point they need to find a resolution to settle this 12 year old debt for a fraction of the price due to their own negligence or face never seeing a cent once I let it go!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: Franklin Collection Service, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I have received multiple calls after XXXX. They occurred at the times and dates below XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: ALLY FINANCIAL INC.
State: FL
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:
ON XX/XX/XXXX AND XXXX 2016 SOMEONE TRIED TO TAKE OUT A CAR USING MY NAME BUT WAS UNSUCESSFUL SINCE THEN I HAVE NUMEROUS AMOUNT OF HARD INQUIRIES ONLY IN XX/XX/XXXX AND XXXX 2016. I HAVE SINCE THEN FILED A POLICE REPORT ABOUT THE SITUATION. I HAVE CONTACT THESE COMPANIES BUT HAVE GOTTEN NO RESPONSE FROM THEM EVEN THOUGH I HAVE A IDENTY AFFIDAVIT AND A POLICE 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 2022-02-10
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Received a TD BANK DEBIT VISA CARD in the mail IN MY NAME. I have never opened an account with TD BANK or have ever communicated with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10
Company: EQUIFAX, INC.
State: MO
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2021 we received an email from the bank informing me that an " unusual '' transaction was cancelled and immediately received another email notifying me that I would not be able to use the 3 accounts and that they would be closed soon. 

A few hours later that same day, I called the bank to find out the status of the accounts and was informed that they would soon be closed and that if I had funds, the checks would be mailed to the address on record. Between my accounts at that time I had a total of XXXX USD. 

Today, XX/XX/2021, I called the bank again and they told me that the account was not closed, but restricted and for that reason they could not send me the funds, which I find disrespectful as they are playing with other people 's money since those funds were intended to pay the payroll of my employees. 

I understand that they want to close my account, but they can't hold the money until they want to. I need them to send me the checks to the address on record as I was notified the first time. They can't hold my money without giving me a valid reason. It is unprofessional for them to inform you of something and then do something completely different without notifying you, as I had to call to be told the new status of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/17 {$880.00} was put into collections without my notice. I was not aware of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Was not notified of investigation status or results

Complaint:
I, XXXX XXXX, Living Person, And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as 2014. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. As your Bureau is here to protect my consumer 's rights I am requesting that you force these corporations to remove ALL negative remarks on my consumers file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues I will be forced to start LITIGATION.

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 2017-07-14
Company: JPMORGAN CHASE & CO.
State: CA
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 am in deep student loan debt, started a repayment and had good status. Moved from being in poverty in XXXX, Ca. and now XXXX put illegal amounts of loan added since then in XXXX 2014. Help me, I can not get any credit and need to see what is really owed, I do not trust them at all. Help, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: Stearns Ventures, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My LPMI was not removed by my home mortgage lender, Stearns Lending, even after I submitted a written request when my LTV was under 80 %. My LTV is now under 78 % and they still have not removed my LPMI. 

On XX/XX/XXXX, I mailed a written request to Stearns Lending requesting that my LPMI be removed. My LTV for my 15 year mortgage had fallen below 80 % on XX/XX/XXXX. I also emailed Stearns Lending through their website. I received no response to any communications. 

On XX/XX/XXXX, my loan fell below 78 % LTV. However, the LPMI was not removed automatically. Nor was it removed on XX/XX/XXXX. 

I have not missed or been late on any payments and my account is on auto-pay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
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: Was not notified of investigation status or results

Complaint:
I, XXXX XXXX, Living Person, And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as 2014. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint XXXXLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues i will be forced to start LITIGATION. If you believe that I've obtained possession of goods, services, or money as a result of information to be blocked, have your executive member or the company put it in an affidavit of truth notarized. Thanks for your cooperation in this matter. I am XXXX XXXX and I am submitting this complaint MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
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, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payment from The Bank of Missouri Late Payment from XXXX  XXXX Late Payment from XXXX XXXX XXXX XXXX Send XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX 
XXXX XXXX XXXX Bank XXXX Bank XXXX I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, XXXX XXXX ( a ) ( XXXX ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.

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