BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-18
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: Old information reappears or never goes away

Complaint:
XXXX is reporting a private student loan that is past the time that the debt can be reported to my credit file. The total due is {$5500.00}. I have not had a private student loan since I was in XXXX college ... which was XX/XX/XXXX-XX/XX/XXXX. IF this is that same debt, this debt is past the time it should be reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name AS SOON AS POSSIBLE.

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 2018-05-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I added my sister as an authorized user to my Chase credit card back in XX/XX/XXXX and they are not reporting to her credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: ORG GC GP Buyer, LLC
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Good day. My name is XXXX XXXX. I am receiving a lot of calls from a lady name XXXX XXXX from GC Services. They will not send me any mail but continues to call all day all night. She will not explain what the call is about unless i give her my SSN number. Now she just calls every morning, everyday like she said she would. I was a victim of Idenity Theft and i explained this to her and requested that she send me something in the mail and she has not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Dear sir or Madam, We the XXXX XXXX  XXXX XXXX. DBA XXXX XXXX XXXX are small furniture business, That on XX/XX/XXXX a costumer XXXX XXXX came to our store and purchased furniture in the amount of {$1500.00} and paid with XXXX credit card # XXXX Authorization code # XXXX XXXX invoice # XXXX dated XX/XX/XXXX at XXXX XXXX  and signed by Costumer. 

That About 81 DAYS later ON XX/XX/XXXX the customer files dispute saying " card was counterfeit '' That 3 days later on XX/XX/XXXX Bank of America Deducted {$1500.00} from our business account. 

That 5 DAYS After Deducting the above Amount we received Notice/ Dispute Summary from Bank of America DATED XX/XX/XXXX ( we received notice after they deducted. ) That we were not given chance to review, nor to be ready for the above unexpected deduction, That we was not given any police report nor other evidence showing card was counterfeit. 

That we rune the card through clover Machine provided by Bank of America and we have approval through the above clover Machine That we have been trying to solve the issue, but bank of America is not responding Please Advice XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I set up internet service with XXXX XXXX XXXX and they shipped me some wires in the mail to connect to a modem in order for me to have internet. When I talked with the sales consultant on the phone they did not inform me that I would have to purchase my own modem. The same day that the package from XXXX XXXX XXXX arrived I opened it and realized that I could not connect the internet and use it because I did not have a modem. I promptly called XXXX XXXX XXXX to tell them not to connect my service because I didn't have a modem and didn't want to buy one. They said ok, my service setup was cancelled and I would not receive a bill. Now I received 2 bills for XXXX . I have called XXXX XXXX XXXX numerous times and each time I speak with someone they tell me that the account will be adjusted to reflect the cancellation of service setup and I wont owe that money. Well this hasn't happened, despite me calling 3 different times and speaking to 3 different people! I have been referred to a collection agency called Diversified Consultants,  Inc. My Account number there is XXXX. # XXXX. I am very frustrated as this agency will not work with me. I don't know what to do, or how to actually speak with a person at XXXX XXXX XXXX who will resolve this for me. Please help and tell me what to do to resolve this or act on my behalf. Thank you for your time in reviewing my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-05
Company: DISCOVER BANK
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:
After apply for a Discover secured card and them saying that I was approved. They took my money and sent the card. I was not able to activate the card. They asked me to sign a tax paper in which I did. After that they still would not activate the card and the account was closed because they said that they could not verify my identity. Now the card is reporting to my credit report as a closed account. The account was never open to be closed. I asked them to removed it and the lady said she could not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
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: Their investigation did not fix an error on your report

Complaint:
I have submitted a dispute with all three credit bureau 's regarding a fraudulent credit card which was opened in my name from XXXX XXXX XXXX. I was not given any proof of my authorization for opening the account from the creditor when asked. The creditor can not provide proof I authorized the account yet will not 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 2018-06-25
Company: Nelnet, Inc.
State: DE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Original Inquiry : My compliant is with Nelnet. Apparently they handle DOE cases but I have compliant which needs to be heard. My case was opened on XX/XX/XXXX to discharge my federal student loan based on my XXXX-confirmed by the Social Security Administration. I changed my status to Veterans Administration XXXX XXXX. It has been seven months since changing my XXXX status, nine months since my case was opened and three months since I supplied additional documentation. Nelnet has responded, in an unprofessional manner, confusing correspondence and an extremely slow response. It is painful working with Nelnet. They have the VA and Social Security XXXX form Please advice Sent On - XX/XX/XXXX I  appologize for attachingidentifiable info but it's important to see my VA rating Case Number

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I apparently sold my truck to a man named XXXX at phone numbers XXXX and XXXX for {$23000.00}. He sent counterfeit checks of the amount {$26000.00} to my bank, XXXX XXXX XXXX XXXX ( account # XXXX ) from XXXX XXXX XXXX XXXX XXXX ( routing # XXXX ; account # XXXX ). He stated that he was overpaying me because he was having to hire a mover to come pick up my truck to move it out of state. I sent the difference to the supposed mover for the difference of {$3200.00} which is where he told me to send the funds. I sent it to the Bank of America Account ( routing number XXXX ; account number XXXX ) through the XXXX from my XXXX Checking Account ( acct # XXXX ) as instructed from the attached text message thread. I received notice from XXXX XXXX after the funds were transferred that the check for {$26000.00} were counterfeit and the transaction was reversed. No mover arrived to pick up the truck and the scammer has become non-responsive. 

I am now out {$3200.00} from my attached XXXX XXXX account and have filed a claim but was denied since I in fact initiated the transaction. The account at Bank of America is being used for Identity Theft and a deposit account for fraudulent transactions and counterfeit checks. I did reach out to Bank of America and they told me to reach out to multiple agencies to file a complaint. I have copies of all text messages and transactions but can not attach as the file is too big.

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 2019-09-15
Company: Commonwealth Financial Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i do not live in that state and have not lived in that state for years or at any time the charges incurred. I have no knowledge nor have i approved this debt. my landlord will honestly vouch for me and so will my boss. it is impossible for me to have obtained this debt. please remove this debt and any others from that state.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
reporting an incorrect account, incorrect account number, a missing field of 81- month payment history, an inaccurate date of last activity, an inaccurate date of high credit, an inaccurate date of credit limit, an inaccurate actual payment amount, an inaccurate date of last activity, an inaccurate activity description, an inaccurate date of last update an inaccurate description of month reviewed. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

these items must completely deleted according to inaccurate and incomplete reporting under the fair credit reporting act

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 2021-05-19
Company: EQUIFAX, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX are reporting 15 derogatory accounts and 14 inquiries on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX and XXXX since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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 filed a Chapter XXXX bankruptcy in XX/XX/XXXX. I paid it off and it was discharged XX/XX/XXXX. None of this information is on the reports of XXXX, Transunion or XXXX. I  am trying to get a home loan and the lender says it can not give me a loan with this information missing from the credit reports even though I provided the documentation to 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 2021-06-03
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My name is XXXX XXXX, I am a small business owner. I have a costco visa with citi bank since XX/XX/2011. Last week I received a letter stated that my account has been suspended and required me to call a phone number. I thought it was a scam because the number did not match the phone number on my credit card. This week I just found out that my credit card was closed. When I call the customer service they told me that nothing they can do to help resolve the issue. In the mean time, all my cash back year to date is being forfeited since my account was closed without any explanation. 
Note : All these years that I have the card, I have never missed a payment. 

Thanks, 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 2021-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
On or about XX/XX/2021, I purchased a XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX with the amount of {$19.00} at Walmart XXXX XXXX California. the XXXX glucose meter and test strips are defected which gave the test results very high false results compared to other meters and lab test result. The high false results are every dangerous for my life. On or about XX/XX/2021, I returned the meter and full box of test strips to Walmart but Walmart refused to accept return the meter and XXXX XXXX. Walmart return policy is 90 days with or with out receipt. On or about XX/XX/2021, I contacted Capital One credit card company to dispute the charge. On XX/XX/2021 I received a letter from Capital One stated that Capital One credit card company refused to resolve the dispute charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-30
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
CONTACTED : Current Mortgage company Mr. Cooper DATE : XX/XX/XXXX REGARDING : Mortgage payments not being reported to credit bureau for past 3 yrs and bankruptcy status not correct/updated. 
CONFLICT : Trying to re finance with a different lender and missing payment history effecting credit score and account incorrectly shows bankruptcy status. 

Telephoned Mr. cooper to inquire about this missing information/status on my credit report. They stated it was due to my loan not being reaffirmed when i had a discharge bankruptcy inXX/XX/XXXX. First ... My mortgage was not included in the bankruptcy. Secondly..they continued to report to the credit bureau after that discharge and up to XX/XX/XXXX, which is 17 yrs. But abruptly stopped then. 
They stated that although they are the same company, but changed names inXX/XX/XXXX, from Nation Star, their terms changed and that why they stopped reporting. Finally their only solution to this problem was to provide me only a proof of one year history of payments and or refinancing with them to continue reporting. 
This has turned out to be a very stressful situation when we have not only not included the loan in the bankruptcy that should have came off sinceXX/XX/XXXX!! 7 yrs later and have been current with our payments all along. My bankruptcy lawyer stated that it is not a obligation to file a reaffirmation during the bankruptcy and also why is this still effecting my credit when it has passed the 7 yrs and should already be removed. 
Thank you for your much appreciated assistance. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian again has not provided detailed information on whom they contacted to verify information, how they contacted them to verify information, where they got the information to verify. Experian has ignored the opt out documents from XXXX XXXX where not public record s on me can be verified by side I'm opted out. Not have they acknowledged that they did not get any info on me from county trustee , county court clerk, or register of deeds. THE FACTS OF ACKNOWLEDGEMENT ARE TOTSLLY BEING IGNORED. I ASKING FOR CFPB TO DO DETAILED INVESTIGATION THEMSELVES AS EXPERION CONTINUES TO IGNOR THE FACTS OF DISCOVERY AND THE BURDEN OF DISCOVERY THAT REST WITH 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 2023-08-03
Company: Credit Card Receivables Fund Incorporated
State: NY
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:
I recently applied for a mortgage and I was told that a judgement was filed under my name for a XXXX account that was opened under my name in 2015. I have never had a XXXX account in my life. Someone must be using my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: Experian Information Solutions Inc.
State: GA
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:
Hi All Credit Bureau listed me as an authorized user for XXXX XXXX, I never authorize or gave my social security number. I want XXXX XXXX  removed.

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 2020-01-21
Company: Asset Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2019, ASSET RECOVERY SOLUTIONS , LLC, with address XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX and phone number XXXX XXXX XXXX contacted me via a phone call concerning the collection of a personal loan from me, they made me to believe that they were acting in proxy of the original loan company, not knowing that this was false, I made a payment of {$300.00} to them on that day as shown below from my XXXX account of XX/XX/2019 : XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX XXXX IL Card XXXX XXXX XXXX We also agreed that they will making automatic monthly deduction of {$300.00} from my account, they did not make further deduction from my account, i contacted on 2 occasions via phone call, the last was on the XX/XX/2019, they never responded to me anymore. I am being sued now by another company that actually the true owners of the loan. ASSET RECOVERY SOLUTIONS , LLC committed a fraud by extorting money from me in false pretense, I would have found and be paying off my loan and not getting sued if ASSET RECOVERY SOLUTIONS , LLC had not confused and extorted money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: ALLIANT CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Alliant Credit Union Loan - 30 Year Loan Paid in Full On XXXX I paid off my loan. Rep. indicated that was going to take a few weeks to rec 'd title. on XX/XX/XXXX i accessed my account online, and notice there was an outstanding balance of XXXX. I called and spoke with XXXX, ( XXXX ) she mentioned there was an error in applying the balance, and opened a work order to correct issue. 
On XX/XX/XXXX, I spoke with XXXX, and the error is still not corrected, I was transferred to supervisor XXXX initials ( XXXX ), and assured me the error will be corrected, she also mentioned they open an accelerating ticket to fix error. 
On XX/XX/XXXX spoke with XXXX XXXX XXXX XXXX, and error still not corrected, on XX/XX/XXXX I was transferred to another department and they hung up my call. 
As today, I sold my apartment and the title loan officer is trying to obtain copy of the payoff since XX/XX/XXXX with not satisfactory reply. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
THIS COMPANY, PORTFOLIO RECOVERY IS BEYOND RELENTLESS. THEY CONTINUE TO CONTACT FAMILY MEMBERS, FRIENDS, PEOPLE ON MY SOCIAL MEDIA ACCOUNTS WHICH IS ILLEGAL AND KEEP CLAIMING AMOUNT WHICH IS BEYOND INCORRECT. I AM SO TIRED OF THIS SCAMMING COMPANY!!! PLEASE HELP!

Company response to consumer: Closed with non-monetary relief