BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-25
Company: Altisource Portfolio Solutions, S.à r.l.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XX/XX/2018 Today, I tried to resolve a credit card issue with XXXX XXXX and their Collection Agency, XXXX XXXX. My mothers account was canceled several months ago. The statements were being sent to a different address than hers in Florida. 

XXXX XXXX said they sent the account to their collection agency for non payment. I called the Collection Agency and tried to resolve the matter and the collection agency wanted to speak with my mother who is XXXX XXXX XXXX. They started arguing with her and harassing her and demanding to get her bank routing number. I told her not to give it because they would not send any records of her charges and dates. They demanded to get her bank routing number and would not even take a credit card # to pay the outstanding balance. 

I am filing a complaint against XXXX XXXX and XXXX XXXX for treating customers this way, especially vulnerable elderly people.

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 2017-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have previously disputed this account with all 3 bureaus and while XXXX and XXXX deleted it, TransUnion continues to report it without having legally verified it. I 'm well aware of my rights and this includes knowing that TransUnion can not call the company. Their response was that they called this collection agency and it was verified. I 'm well-versed in the FCRA regulations and know for a fact that a phone call is NOT, in any state, legal verification. Seeing my name on a screen is not possessing the physical documentation. They are not allowed to just repeat to me what was said during this phone call and must perform an independent investigation, obtain the actual documentation and forward it to me. There 's NO PROOF of ownership and if this is how they " verify '' accounts, then that means I can claim that anyone, including the person reading this complaint, owes me {$100.00}. Or {$5000.00} or {$500000.00} for that matter. 

Directly from my dispute : I would like for you send me the paperwork with my signature on it for this XXXX XXXX XXXX XXXX. Im aware that legal verification is required to keep a disputed item on my credit report, and that calling the company to find out if this account is mine does not pass for legal verification. In XXXX XXXX TRANSUNION XXXX, Congress states that the burden of proof is on the bureaus and creditors not the consumer. Having said that, you can not keep this collection on my credit without the required paperwork that follows the account. Id done my research and have not only read through lawsuits, but Ive also poured through testimony from ex-personnel from the credit bureaus. These people testified to the fact that the CRAs are required to have the paperwork verifying the accounts prior to even reporting them! So, if youre required to possess this paperwork, then it should be very easy for you to send it to me. If youd had any paperwork, you would not have called this company to verify. You are not at all allowed to parrot what the creditor has told you, because seeing my name on a screen does not pass for legal verification.

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 2020-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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 just filed complaint # XXXX, and the issue is almost identical here. Almost. Ill attach documentation for this account, it was a secured capital one platinum card i opened in XXXX of 2013. I paid a {$250.00} security deposit to open this account. After a few months, I became homeless and i couldnt make payments anymore. I left an outstanding balance on this account, but I already paid my security deposit. So, now that I am able to work now, I looked at my credit report and saw that this account was charged-off, damaging my credit. I remembered that I paid a {$250.00} security deposit when i opened the account, so I disputed the entry on my XXXX  credit report. Capital One responded and they finally ... after YEARS ... applied that {$250.00} security deposit to the open charges on that account and closed the account. Here is the reason for my complaint : A security deposit is held to protect the credit card companies against situations like this. That is what its for. Why .... would you place a charge off on someone's credit report. Capital One already had my money!!! They could have simply closed the account, applied my balance due to the security deposit, or forfeit the security deposit, and we would be done. They took the extra step to damage my credit! Capital One says they will return your security deposit in 60 days, but this is not true!!!!! Do not give them a security deposit, they will try and hold it forever. They held mine for over 4 years!!!!!!! Its not their money! I wa n't those charge offs removed from my credit report. They already had the funds to pay my outstanding balance. Damaging my credit was totally unnecessary!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello and Good Evening, I was advised to reach out to you all about some things on my credit that is not mine. I went to cosign for my mom on a car and my mom and I was denied because of me. There are some things on my credit that is not mine and that needs to be taken off. I've contacted the FTC regarding this and also the police. I'm doing this on my own. 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 explanation
Consumer complaint received 2019-11-02
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: Public record information inaccurate

Complaint:
On XX/XX/2019I viewed an update copy of my credit reports and noticed that XXXX XXXX Is reporting incorrect information on my credit bureaus file. XXXX   XXXX is reporting that this closed Credit Card account has been included in a Chapter XXXX Bankruptcy. I have previously on " XX/XX/2019 '', " XX/XX/2019 '' and XX/XX/2019 disputed this closed credit card account directly with XXXX XXXX. XXXX XXXX responded back to me each time that I am claiming " Account Fraud '' and that they will not investigate due to limited information. ( please see attached letters from XXXX XXXX ). 
I have never documented in any of my disputes to XXXX XXXX " Account Fraud ''. I requested to them in writing that they are reporting incorrect information to the credit bureaus that should be deleted immediately. XXXX XXXX last reported this incorrect information on XX/XX/2019. As of XX/XX/2019I do not have an active or closed Bankruptcy filed under my name or my SSN. ( Please see highlights on attach file showing Proof of no bankruptcy file. )

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 2019-06-13
Company: JPMORGAN CHASE & CO.
State: GA
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:
Contacted the company several times and disputed with the bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
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: Information is missing that should be on the report

Complaint:
I justified recently received a copy of my XXXX credit report I noticed there are a few accounts that are not reporting my history. They are showing no historical payment information since XXXX 2017. I would like to have my historical payment history report. Some accounts are 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 explanation
Consumer complaint received 2017-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX/XXXX/XXXX my employer has sent {$120.00} through XXXX XXXX using my email address. 
XXXX supposes to be credited to my personal account with Bank of America. Unfortunately, I was never notified that the transfer had happened, and when I 've checked the money had not arrived. At first, I 've emailed to my employer to find out why did n't I receive that sum. In response, my employer provided me with confirmation of the transfer. I called my Bank asking where is money, but they said that XXXX needs to file up a claim to find out what happened. XXXX filed up the claim with Bank of America and discovered that my money went to the different account with my email address, meaning someone else who has an account with Bank of America registered my email address and the money was accepted by that account holder. I am disappointed because the service was not performed correctly and on the top of everything someone registered and used my personal data. In this obvious fraudulent case, Bank of America cited privacy/data protection laws and refused to tell me how was that account holder, who accepted my money. As a result, I could n't ask him/her for what 's truly mine. 

Then I 've sent an email to the Senior Claim Analyst at Bank of America asking to solve this problem, but the lady mailed me back saying that I need to contact initiating financial institution and so on ... Until now this problem is unsolved and Bank of America does n't seem to care. 


I look forward to your reply and hopefully a resolution of my problem.

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 2017-07-10
Company: Experian Information Solutions Inc.
State: KY
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:
Account for XXXX XXXX XXXX, opened XXXX and closed on XXXX. Account shows chargeoff of XXXX. That is incorrect. Account was never late nor charged off. Account was closed in satisfactory staus paid as agreed with XXXX balance. XXXX XXXX  refuses to remove or 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 2019-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Transunion not so long ago, had a server error, in which deleted inquires from the credit report! Instead of following section 6.11 of the / FCRA I did not receive a letter within five days, and Transunion just placed the inquiries back onto my  report. 

I reached out at XXXX and was not given any assistance and they acted like there was not a problem, when in fact there was. 

I am requesting any and all credit inquiries from my Transition report to be deleted as it did not follow the FCRA!

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 2020-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My personal information, birth certificate, driver 's license, and social security card were stolen on XX/XX/XXXX and today XX/XX/XXXX I went to XXXX XXXX to get a credit card, and I discovered that my personal information had been used by someone else. I never authorize anyone to use my name or personal information to obtain money, credit, loans, goods, or services as described in this report. I did not receive any money, goods, services, or another benefit as the result of the events described in this report. I filed a police report with XXXX XXXX Police and its ongoing investigation, no perpetrators have been found. Please delete the following accounts that are a result of identity theft. 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 explanation
Consumer complaint received 2017-07-10
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After losing my job around XX/XX/XXXX, I was struggling to get by. Then XXXX XXXX destroyed my house in XXXX Georgia on XX/XX/XXXX. My wife and XXXX small children spent two  months in a hotel before finding a rental. Our insurance was paying for the rental until XX/XX/XXXX. On or about XX/XX/XXXX we contacted Wells Fargo property loss department to get get two checks endorsed for the completion of our house. We explained to XXXX XXXX our situation on timing and we 're told she would get it so we could have the checks endorsed in a branch instead of mailing them in. After attempting to contact her several more times over a two week period we talke to XXXX XXXX on XX/XX/XXXX. Who told my wife and I that the people in the property loss department INTENTIONALLY LIE to the customers about issues like that. This was on a recorded line. After explaining that we were out of time due to the rental constraints we talked to XXXX XXXX on XX/XX/XXXX in the executive complaint department. Our checks were still not endorsed and the builder was going to put a lien on the house. We talked to XXXX on XX/XX/XXXX and he advised to send in the checks but at this point we were already out of time. We can not get our personal property out of storage and are being charged {$2000.00} for rent and {$1400.00} for rental furniture and housewares. Talking to XXXX on XX/XX/XXXX the checks are still not endorsed and they will not pay for the costs we accrued because of their lack of action. We are still waiting on resolution. We have XXXX children ages XXXX and XXXX. Our XXXX year old son who is XXXX in the XXXX this home is his permanent address. Wells Fargo still refuses to help in any way.

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 2017-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX, XXXX I look on scoresense to check for accuracy of my report. I notice I had a couple of inquiries I had no idea of nor authorized request. I call Trans Union customer service ( I know this is going to be a run around ) and the representative would not help take care of the negative inquiries reporting to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-11-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My personal information, birth certificate, driver 's license, and social security card were stolen on XX/XX/XXXX and today XX/XX/XXXX I went to XXXX XXXX to get a credit card, and I discovered that my personal information had been used by someone else. I never authorize anyone to use my name or personal information to obtain money, credit, loans, goods, or services as described in this report. I did not receive any money, goods, services, or another benefit as the result of the events described in this report. I filed a police report with XXXX XXXX Police and its ongoing investigation, no perpetrators have been found. Please delete the following accounts that are a result of identity theft. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: Synovus Bank
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted this company via mailing letters on XX/XX/2020 and XX/XX/2020. I have not received ANY correspondence from this company. I have contacted the client and they could not locate as well but it still reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Since atleast XX/XX/XXXX, I have attempted to make a payment through various methods on Citibank 's website or over the phone and was not able to. The system would refuse to recognize my password and would not issue me a new one, nor was I able to make payments over the phone. I believe this is a tactic by the company to assess profitable fees for their company. <P/>The latest issue started aroundXX/XX/XXXX when company had sent me a new card card, causing problems with both my log in and phone support. On or around XX/XX/XXXX, When I would try to log into their website it would erroneously say the card was not activated, and direct me to do so. It would direct me to another website to register the card, which would appear as registered. On XX/XX/XXXX, I attempted to call Citibank various times to fix this issue and make a payment. In order to verify my account, they needed to send me a text to a phone number they had on file. Unfortunately the number they had on file was not one I had provided to them nor one I recognized. During this lapse, I was assessed a late fee which the company will not credit back to my account. This was not the first time this has happened with the company due to log in and phone support issues. over the last year, they have assessed me five late fees totaling {$170.00}. After my forth call to the customer support onXX/XX/XXXX, I was finally able to speak to someone who was able to help and I was finally able to make a payment. I requested the company waive the late fee of {$35.00} they assessed to my account, since the only reason I was not able to make a payment was because of errors with both their online system and their phone support. The company has declined the late fee waiver. Although I am contractually obliged to pay the late fee, the company must be aware of this issue, and I 'm concerned this may be a tactic they use to assess more late fees on unsuspecting card card holders. I would like for the company to refund me the late fee and give me assurances that they are working to address this log in and phone support issue.

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 2019-11-02
Company: CITIBANK, N.A.
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: Old information reappears or never goes away

Complaint:
Best Buy/CBNA has started reporting again on my account after 9 years. It was a joint account that I had with an ex. It was charged off and disappeared from my report. Within just a few months ago It reappeared and will not go away. It violates 15 U.S.C. 1681c ( 1 ) of the FCRA and i've tried to resolve it through the dispute processes with no luck. It's adversely negatively affecting my credit and I need this resolved immediately. 

Contact Info : ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX, SD 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 2019-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
TransUnion keeps reporting a charge off account as a recent charge off more than twice within the same year and my score has dropped each time that the account was reported. This account was originally charged off in XXXX and twice in XXXX of XXXX and again on XX/XX/XXXX XXXX XXXX has erroneously reported this account as being recently charged off which reflects in a score decrease each time.

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