BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-09
Company: CITIBANK, N.A.
State: GA
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:
1-I used Citi simplicity Card once to pay the amount of {$790.00} to XXXX XXXX XXXX on XXXX XXXX. I requested the Refund from XXXX for the same amount on the same date. 
2-XXXX sent the refund amount of {$790.00} back on the card on XXXX XXXX. Citi Credit Card disputed with the XXXX on the same date XXXX XXXX and according to XXXX statement the amount of {$790.00} was sent back on the card two times on the same date, one as a Refund and other as a Dispute. The refund reference number from XXXX is : XXXX. 
3- I have been billed by XXXX for the amount of {$1300.00} I do not owe : I contacted the Credit Card Company to resolve the problem Citi Card is stating that the refund was sent back by XXXX only once and it was reversed. On the other hand, XXXX is saying that the initial payment made on XXXX XXXX was not received at all by XXXX because a refund and a dispute was done on the same date and XXXX statement reflects two-time payment on the XXXX Credit Card for the amount of {$790.00} for each transaction. ( The total amount is : {$1500.00} .XXXX gave me a discount of {$200.00} and I am billed for the amount of {$1300.00} ) I will be faxing the billing statements from XXXX homeowners insurance.

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 2019-04-09
Company: Global Credit & Collection Corporation
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I began receiving phone calls on my cell phone XXXX XXXX XXXX, which then was followed by repeated calls to my business phone number ( approximately 6-8 in the past two weeks ). 

The message I received is a pre-recorded message, which is always the same : " Hello we have an important message from XXXX XXXX XXXX XXXXXXXX XXXX this is call from a debt collector. Please call XXXX. Again that phone number is XXXX. Thank you. '' I have no outstanding debts and no reason for them to be calling. I have not taken the call directly nor have I spoken to them. I would just like the calls to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: EQUIFAX, INC.
State: SC
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:
XXXX keeps reporting accounts that are too old to report according to fair credit act

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: DISCOVER BANK
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: Account information incorrect

Complaint:
On my credit report there is a debt that reports every month from Discover in the amount of {$1400.00} I have tried to pay this debt, I thought I owed for the past four to five months. I contacted Discover Financial Services/ Discover Bank from XX/XX/XXXX to the last contact on XX/XX/XXXX. I am told that they wrote the debt off and a XXXX was issued. ( I am including a copy of the XXXX ). Discover states each time I call them they will not take my money to pay off the debt. But every month they report to all three credit bureaus that I owe them the debt. So how can they report that I owe them money but they wont take my money?????? Someone please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have been battling with Equifax for months concerning this last name that do not belong to me. I sent in all the proper documentation showing my name and address. I have requested Equifax to remove and update my name and address and Equifax refuse to correct this incorrect information. XXXX XXXX is not my name and there is a new address on my report that do not belong to me. XXXX XXXX XXXX, XXXX, Ohio XXXX. I sent in my social security card and a copy of my utility bill with my Nevada residency which I have been a residency for years. My name is XXXX XXXX and I live at XXXX XXXX XXXX, XXXX XXXX, nevada XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: The CMI Group, 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: Account information incorrect

Complaint:
This is my second attempt to have this matter resolved with both the CRA and the Collections Agency neither has been in correspondence with me regarding the issue and it has been over 30+ days. I have asked for account verification of the account that's being reported negatively on my credit report. Please respond with verification. As I know.. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-09
Company: BBVA FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
In XX/XX/2018, wrote secure message to close checking account. Couple days later called to confirm account was in fact closed. However, for the past several months, I have been receiving emails notifying me of statement availability suggesting that the account is not closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX ( Please see page 12 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX ( Please see page 12 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company 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 2019-03-20
Company: Convergent Resources, Inc.
State: FL
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX CONVERGENT OUTSOURCING XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious CONVERGENT OUTSOURCING XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In XXXX XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the  XXXX District oXXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL 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 2020-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I ran my credit once in XXXX and recently in XXXX in XXXX XXXX XXXX auto and I recently checked my report and I have companys running my credit that I never heard of or gave my social security number out for no reason what so ever. My credit has dropped and I just want to remove the unapproved one one by one

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
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: Account information incorrect

Complaint:
I feel that my credit is bad due to no updated information. My credit shows that it is about 3 months behind.

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 2017-12-06
Company: Experian Information Solutions Inc.
State: ND
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:
There is fraudulent accounts on my report. I have asked for them to supply me with the contract I have with these companys. I have asked for them to show me the original contract with my wet signature. And said audit trail. They did not supply me with that information nor did they remove it from my credit 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 2019-04-09
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I contacted Experian, XXXX and XXXX  credit bureau in regards to a repossession account with XXXX XXXX. I cited 9-506. - EFFECT OF ERRORS OR OMISSIONS. 
9-611. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-612. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

Due to the fact that I was never notified of the vehicle being sold and a few other errors on this account. I was not provided with any copies of legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. 

It was just simply placed on my reports as " Subscriber reports dispute resolved - consumer disagrees '' and " Completed investigation of FCRA dispute - consumer disagrees ''. 

I have not been provided any of the things to prove this debt is mine. Therefore they are in violation of my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX negligence has caused my credit score to drop dramatically. I contacted the company to update my automatic payment as I switched banking institutions and my file was not updated. Due to their negligence, I am at a higher interest rate with a mortgage loan. XXXX XXXXt referred me to XXXX XXXX in which they stated my account was sold and theres nothing they can do to update my file. Ive contacted XXXX XXXX and was working with XXXX XXXX in settling my balance with XXXX XXXX. I was advised that lending point was the reporter of my file and XXXX XXXX can not update my credit report. XXXX XXXX still showing a balance and monthly payment, in which it is affecting my debt to income. I am getting the run around and have disputed my file with Experian with no resolution.

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 2021-05-03
Company: EQUIFAX, INC.
State: NC
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: Experian Information Solutions Inc.
State: MS
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:
Please see attachments. On XX/XX/2019, I sent certified letters to the credit bureaus to update my personal information. This is the month of XX/XX/2019 and they have been reporting inaccurate information on my credit profile, such as my name, dob, address, and employment. 

On XX/XX/2019, I sent the three credit bureaus certified dispute letters regarding unauthorized credit inquiries and requested a complete and accurate verification of the unauthorized inquiries.

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 2018-02-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute with Equifax regarding a XXXX XXXX account. On XX/XX/XXXX XXXX XXXX  agreed to DELETE the account from my credit file. XXXX XXXX authorized Equifax to delete the account on several occasions ( see letters attached ) and as of today, Equifax has refused to delete the account and has continued to report the account. 

The matter was forwarded to the Office of the Comptroller of Currency and they advised me that XXXX XXXX agreed to DELETE the account from my credit file. All the other two credit reporting agencies have complied with the request, but Equifax continues to report this derogatory information despite numerous requests by myself and XXXX XXXX  for them to delete the account. 

As of today, the derogatory account is still being reported by Equifax as accurate information. 

XXXX XXXX  sent me a letter on XX/XX/XXXX stating that they have exhausted all their attempts to have Equifax delete the account ( see Letter attached ) XXXX XXXX  has complied and Equifax continue their rogueish reporting and blatant disregard for the law and the Fair Credit Reporting Act by continuing to report the XXXX XXXX account despite numerous requests by myself and the bank for them to delete the account. 

It is also my understanding that Equifax has three ( 3 ) separate files under my name. I requested they merge those files into one file and they have also not complied. 

I have attached a copy of the credit report as evidence that the XXXX XXXX   account is still being reported by Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In XXXX of 2019, XXXX, XXXX sold and transferred our mortgage to another mortgage company, now called Mr. Cooper, formerly XXXX, XXXX. 

There were no late payments on our mortgage with XXXX XXXX XXXX  . 

The transfer took place during the month of XXXX, 2019. And as soon as we received notification from Mr. Cooper, we remitted our mortgage payment for XXXX - this was on or around XX/XX/2019. 

There are currently no late payments to Mr. Cooper, formerly NationStar. 

The Seterus mortgage loan was marked as CLOSED, rather than SOLD/TRANSFERRED to the credit reporting agencies, and as a result, my personal XXXXredit score plummeted 40-45 points. 

To the date of this complaint, XX/XX/2019, the loan is still marked as CLOSED, and both my and my wife 's credit scores have been severely impacted. 

We have been in discussion with Mr. Cooper to get this situation rectified, but they are relaying confusing and often contradictory information regarding the way this loan is being reported and is going to be reflected on our credit reports and with the credit reporting agencies. 

While the company Seterus is now " closed '' and is defunct, a representative at Mr. Cooper is telling us this is why our mortgage is being reported as CLOSED. 

This is factually incorrect, as our mortgage was sold and TRANSFERRED to Mr. Cooper, formerly NationStar. 

Also, we have recently found out the XXXX XXXX XXXX actually XXXX XXXX XXXX XXXX from XXXX - so there is no reason on earth why our mortgage should ever have been reported as CLOSED, which again, has affected our credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Unknown Hard inquiry by : XXXX XXXX XXXX XXXX New York XXXX Inquiry Date : XX/XX/2018 Reported to : TransUnion & XXXX K

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 2019-04-09
Company: DISCOVER BANK
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I WAS CHARGED FOR SEVERAL AMOUNT ON MY DISCOVER CARD ON SEVERAL DIFFERENT DATES. I CALLED DISCOVER AND REPORTED FRAUD AND THEY DID GIVE ME THE CREDIT BUT THEN THEY TOOK IT BACK BECAUSE THEY SAID THAT I PAID MY BILL, AND THEY DONT UNDERSTAND WHY I WOULD PAY FOR MY BILL IF I DIDNT MAKE THE CHARGES. I EXPLAINED TO THEM THAT I HAVE HEALTH ISSUES AND DID NOT LOOK OVER MY STATEMENTS BECAUSE I DO USE MY CARD TO PAY BILLS AND SHOP HOWEVER I NEVER PAID THESE AMOUNTS FOR XXXX XXXX XXXX ON MY CARD FOR ANY TRAVEL COMPANIES OR TIMESHARE. I DID NOT AUTHORIZE THESE CHARGES AND I DONT KNOW WHO THESE COMPANIES ARE. BUT THEY DISCOVER CARD REP WAS RUDE TO ME AND WAS NOT VERY HELPFUL OR DID NOT CARD TO PROTECT ME AS ONE OF THERE CUSTOMERS. PLEASE HELP ME GET MY MONEY BACK. DISCOVER DID GIVE ME THE CREDIT ON MY CARD FOR ALL THREE TRANSACTIONS BUT TOOK IT RIGHT BACK. WHAT WOULD HAVE HAPPEN IF I USED THIS CREDIT THEN I WOULD OWE MORE MONEY TO THEM. THIS IS NOT RIGHT AND I SHOULD BE PROTECTED AS A SENIOR CITIZEN. I HAVE NO IDEA WHO THESE COMPANIES ARE WHO CHARGED MY ACCOUNT AND I WOULD LIKE MY MONEY BACK.

Company response to consumer: Closed with non-monetary relief