BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-09
Company: Quality Asset Recovery LLC
State: NJ
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:
Quality Asset Recovery LLC account # XXXX amount due : {$3300.00} provider of service : THE XXXX XXXX XXXX Under the FAIR DEBT COLLECTION PRACTICES ACT I am allowed to protect my privacy and medical records from third parties. I do not recall giving my permission to the XXXX XXXX XXXX to release my medical records to a third party. HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization.

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 2021-08-09
Company: Chime Financial Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account was hacked and took 3 weeks to confirm and close. I received notice XX/XX/XXXX that my number on the account had changed. Then the email. Chime claimed they fixed multiple times but did not. After attempting to fix with the bank and sending over personal identification chime was unable to secure the account so I chose to close it. I closed once and they confirmed the amount and the address to match what I knew then to be. 3 days later I call to recertification the account closed and funds mailed only for them to say the account was suspended due to suspicious activity. I again sent person identification and confirmed myself and closed the account. Chime confirmed my address and stated the funds were mailed. Only for the mailed funds to be incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX authorized custodian of XXXX  XXXX XXXX, successor in intrest to XXXX. 

XXXX XXXX Bill of Sale  XX/XX/2020. 

these charges were for housing and student loan debt over 7 years old as a result of preadtory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-07-05
Company: Experian Information Solutions Inc.
State: AZ
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:
Hi I am writing this complaint against Experian and XXXX. Experian and XXXX  both said they verified a Fraudulent XXXX XXXX collection account on my credit report. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 


I have also attached the correspondence I have rec-ivied from experian and XXXX. 
I have also attached my ID so Experian cant falsely say I hired someone to dispute these for me. 

I also want Experian to know I have filed a complaint with the Attorney General Office and my next step is 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 explanation
Consumer complaint received 2022-02-08
Company: Birchwood Credit Services, Inc.
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
A bank in New Hampshire ran my credit from my social security number

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted Fifth and Third bank back in XX/XX/XXXX 2017. I spoke with a XXXX who would not give me her last name and she told me that my account was sold to collection agency and if I would pay it could be removed from my credit report. I contacted the collection agency who is XXXX XXXX and paid a settlement of XXXX out of my XXXX account. I feel this bank is using deceptive tactics to collect old debt. from my understanding phone calls are recorded therefore I am requesting for phone transcripts to be release of my phone call made in XX/XX/XXXX. Also according to 623 ( a ) ( 7 ) Section of the Fair Credit Reporting Act consumers are suppose to be notified of any negative information that is being reported to credit agencies. I did not receive any letter that this information was being put on my credit report. If a letter was send I am requesting a copy of that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I DID SOME SHOPPING ONLINE ON SOMEONES COMPUTER, AND THE COMPUTER WAS HACKED. IRS ALSO SENT ME A LETTER BECAUSE IM A VICTIM OF IDENTITY THIEF.

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 2021-11-01
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
For the last six months I have been disputing with the three credit bureaus and no resultion.

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 2021-08-09
Company: EQUIFAX, INC.
State: IL
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've been disputing 3 fraudulent inquiries on my Equifax credit report since XX/XX/2021 and one of the 3 inquiries remain ; the one from XXXX XXXX. I received a confirmation letter from Equifax stating that the 3 inquiries were deleted, however, one remains and Equifax refuses to remove it! 

Every time I call Equifax regarding this inquiry, the representatives always say, " well, it's coming off in a few months, in XXXX ( 2021. ) '' This inquiry was never supposed to be on my credit report! This inquiry needs to be removed IMMEDIATELY! 
I submitted another CFPB complaint against Equifax, who claimed to have mailed me a letter regarding their response ( to my complaint. ) I never received any correspondence from Equifax regarding this issue that's violating my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: CAINE & WEINER COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On my credit report there is a collection agency trying to collect a debt i have no knowledge of i have never signed a contract with them nor any of there affiliates

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I noticed my Mortgage score recently dropped dramatically ( Im under contract for a home ). The reason was " Consumer Finance Accounts ''. I have no open consumer finance accounts. I called Experian and spoke with XXXX he stated that he sees NO signifigant change on my credit report from XXXX and prior till XXXX and now. He did not understand why the score drop ; but he did state that its possible that its a system error. 

Experian compared all of the accounts ; and does not understand it. He did state that I have 3 XXXX accounts that are closed, in good status but showing that they have been transferred to different lenders. I spoke with XXXX and they said the accounts were closed and transferred back to XXXX due to my old chapter XXXX. 

Essentially ; I have 6 XXXX accounts on my credit report ; when I really should have 3. Three of them ( closed ones ) should be deleted.

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 2022-02-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
HSBC claims they disbursed funds for a closed account ( which still had a balance of {$490.00} ) but I never received any check. I've made numerous phonecalls including a 2 hour call today. Two times they tried transferring me to a wrong number. I still do not have the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX. Re : Account Number : XXXX Original Creditor : XXXX XXXX XXXX To whom it may concern, XXXX XXXX XXXX XXXX a subsidiary of XXXX XXXX has had 728 XXXX XXXX XXXX Complaints in the last 3 years and 36 complaints filed with the CFPB recently. Errors are being made and it is defamation against me which is costing my family money and making me homeless ; my families blood is on their hands and they don't care because I'm just a poor XXXX man. I'm not XXXX though and I will save to fight this in court. On multiple occasions I requested proof of this debt with from Transunion. Absent such proof, they must terminate this from my report, and correct any erroneous reports of this debt as mine IMMEDIATELY. Their continued silence in this matter is unacceptable. Either provide the proof or correct the record and remove this invalid debt from my credit report ITS SO SIMPLE AND SEEMS " FAIR '' AND CORRECT!!! This is a request for the REMOVAL OF THIS ACCOUNT FROM MY REPORT! I have copied the XXXX XXXX XXXX, FTC & Attorney General of Washington and the CFPB. I will be taking legal action against Transunion if this erroneous item is not removed from my report. Sincerely, 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 2021-03-25
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am an attorney first licensed to practice law in California on XX/XX/XXXX. 

On XX/XX/XXXX, I opened multiple bank accounts with Citibank, including a personal checking account ( Citigold which is now CitiPriority ), a money market account, a business checking account ( CitiBusiness ), and an attorney trust account ( CE CONTROL IOLTA ). All accounts were opened with the assistance of Citibank account officer XXXX XXXX at my local Citibank branch : Citibank, XXXX XXXX XXXX, XXXX XXXX, California XXXX. 

Before and at the time I opened my accounts, I was promised ( a ) by Citibank account officer XXXX XXXX and ( b ) by the Citibank web page titled " Business Solutions for Legal Professionals '' that I would receive " No monthly maintenance fees on CitiEscrow or standalone IXXXX  ... Waived monthly service fee on a checking account ... No monthly maintenance fee on business checking account ''. The " Business Solutions for Legal Professionals '' web page can be accessed on Citibank 's web site by visiting this online address : XXXX XXXX XXXX XXXX. This web page still exists and still makes the same no-fee representations and promises it made in XXXX. 

Citibank waived fees for my accounts ' first month. However, thereafter, Citibank has charged me {$30.00} per month as a monthly service fee on the checking account, despite their oral and written promises not to do so. 

I have had a checking account with Citibank for the past 61 months. I have been charged a monthly service fee of {$30.00} per month for the past 60 months ( because the fee was not charged the first month ). {$30.00} per month x 60 months = {$1800.00}. 

Citibank must be required to ( a ) honor its repeated promises to me, representations to me, and continuous advertising of " Waived monthly service fee on a checking account '' by repaying me the {$1800.00} it has taken from me and ( b ) never charge me another monthly service fee on my checking account ever again. Citibank 's dishonesty, false advertising, and unfair business practices must be corrected. 

NOTE : If necessary, I can provide all bank statements since account opening that reflect the monthly service fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-26
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 am interested in processing disputes on my credit report to delete an remove all inaccurate information on my credit report with trasunion. checking my file ive noticed Alort of errors. this has been my 2nd attempt to delete all negative items. please review the information listed to clear all accounts in question asap.

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 2019-08-09
Company: Fidelity National Financial, Inc
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fidelity National Title Agency is charging {$2300.00} in " late fees '' when I have not paid late. Fidelity has told me over the phone, that even though the late fee issue was not my fault, they will not remove the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
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: Personal information incorrect

Complaint:
Experian has the month and day of my birth date wrong, is listing two names not associated with me, and is listing my previous address as my current address. I tried to dispute these errors online on XX/XX/2019, but the website responded with a " not disputable '' error message for each. 

I tried calling, but could only reach a robot. It is impossible to speak with a person regarding the errors in my account.

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 2021-02-25
Company: Resurgent Capital Services L.P.
State: WA
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:
LVNV is reporting a debt as a factoring company and Ive disputed this debt but have not gotten anything proving I owe this debt thru the bureaus or the company. Ive been contacted by another company a while back saying they owned the debt. Cant get anyone to remove it. Now LVNV is saying they opened and account for me on XX/XX/20 on the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: FIFTH THIRD FINANCIAL CORPORATION
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:
On XX/XX/2020, I submitted a payment of XXXX as a direct deposit payment and a payment confirmation of that date and payment I submitted was confirmed and I printed a copy of the record, on XX/XX/XXXX I called 53rd bank to ask why I was reported late on my credit report, representative from the bank said no payment was received from me, after sharing my confirmation number and reason why that occurred was on a technical level issue on behalf of the bank, representative agreed to reverse the late payment fee adjustment as it appears on record and along my confirmation that I printed at the time, knowing that my XXXX  shut down due to coronavirus in mid to late XXXX reason for my late response to the technical error on the 53 bank website. The representative said reversing the late fee will automatically remove my negative reporting to the account and this has not been completed and it has neglected my ability personally while a victim of business interruption of the pandemic and a victim of XXXX XXXX illness shortly after. Also monthly payment are electronically shown paid and that the count of payments made versus if any missed doesnt add up to a completely 30 days of no such payment and my records are available to provide clearly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I moved and didn't receive my billing for 2 months XXXX XXXX, XX/XX/2019 XXXX because XXXX sent the bill to my old address after I moved and reported my new address to them. I called them and explained the situation over the phone to their billing department and they told me not to worry that they understood and would take care of it and remove the late pay as I had never ever been late before and it was such a small amount. 

They did not remove the late pay, so I called them again and they said they would get back to me but they never did. I then send a dispute letter to the credit bureaus, and still I got no response. 

I am now trying to apply for a mortgage loan and this is affecting me. The company has refused to help me with this in any way

Company response to consumer: Closed with non-monetary relief