BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-16
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: Account information incorrect

Complaint:
XXXX was contacted to settle an account due to a life hardship. They agreed to settle the debt for less and provided the amount and payments to be made over a period of time. In the meantime, I was advised that my balance would be reflected as the amount settled and the payments would reduce the amount. XXXX was contacted in XXXX for settlement a second time in mid XXXX to correct the reporting issue as it has been over 30 days which they advised would be the time needed to report to the credit bureaus. When I contacted them on XX/XX/2022 when the payment did not come out of the account I requested help to report payments being made and that the balance was incorrect. 
At this time the representative advised me that XXXX will not report payments made and that the balance reduction would be for the full amount. This contradicts the agreement that was made and also does not show the monthly payments made. XXXX in addition reports the account as a charge off with no payments being made monthly. This further harms my credit and ability to move forward with my need for credit. In addition they are reporting incorrect information. 
I have reached out to XXXX and all credit bureaus with the information to be corrected.

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 2021-09-21
Company: BARCLAYS BANK DELAWARE
State: KS
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:
No one will answer me after waiting on hold for 1 1/2 days. I can not get into my account online and I am getting an email stating I need to call a number immediately if I did not ask for/change my status.

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 2017-07-11
Company: EQUIFAX, 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:
This letter is to inform you that Equifax credit bureau has failed to respond to my inquiry dispute letter that I sent on XX/XX/XXXX. As a consumer, I have rights under the FCRA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. <P/>*XXXX XXXX/XXXX/XXXX *XXXX XX/XX/XXXX *XXXX XX/XX/XXXX *XXXX XX/XX/XXXX *XXXX XXXX XX/XX/XXXX *XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
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: Reporting company used your report improperly

Complaint:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-11
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have no contract with Conserve. Conserve is also not licensed to do Business in the state of Florida.. Conserve also had 2 different charges on all 3 of my credit files. They just recently deleted one for & XXXX, but one still remains on my credit report for around $ XXXX.Conserve ca n't send me proof of anything with my signature on it, because I never had a contract with Conserve and the are n't licensed in Florida so I never even received writen notice when these accounts was placed on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: Media Collections, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Sirs : XXXX XXXX XXXX XXXX a debt collector, is attempting to collect debt not owed by me. I do not owe anything to the company, XXXX XXXX they 're representing. In fact, XXXX XXXX confirmed that they were giving me credit for the fraud that they tried to perpetuate on me. So by XXXX XXXX XXXX XXXX XXXX  representation and extension, I am filing a complaint to stop this misrepresentation and stop a potential re-occurrence of fraud. I attach all the related documents.

Here is a summary of the sequence of events.

1. On XX/XX/XXXX, my wife and I reserved/rented a car with XXXX XXXX in XXXX for four days and returned it exactly as per rental agreement.

2. On XX/XX/XXXX, XXXX XXXX issued a fraud alert saying XXXX XXXX attempted to charge us for {$120.00}, which the bank declined. We had no idea what the charge was for.

3. On XX/XX/XXXXXXXX XXXX ( XXXX ) emailed me saying my car was overdue. I replied right away saying I returned it on time.

4. OnXX/XX/XXXX XXXX XXXX, rather than replying to me, charged me an extra {$280.00} ( equivalent dollars ) through our XXXX XXXX without explanation. Looking at the charge, they claimed I returned the car 3 days later.

5. Sensing fraud, I immediately disputed said amount through XXXX Fraud Alert department.

6. After a back-and-forth with XXXX through XXXX and explaining what happened presenting evidence that we left the country on XX/XX/XXXX, XXXX finally gave us a credit through XXXX and bank notified us onXX/XX/XXXX that this was resolved.

7. Despite this, XXXX sent us a collection notice directly by mail and followed up by email in the person of XXXX XXXX on XX/XX/XXXX - about two and a half-months later. I replied right away that this has been resolved and their company sent me a credit note, which I attached in my emailed reply.

8. XXXX XXXX XXXX acknowledged it but still insisted on payment. She threatened sending the already resolved dispute to a collection agency. This is extortion. Why would I go through another potential misuse of my card? ( Please note that there was a fraudulent charge from an XXXX vendor while the dispute was going on. I only used the XXXX card for XXXX XXXX and nothing else. ) 9. JXXXX XXXX XXXX XXXX  through their representation, is perpetuating this fraudulent charge without 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 non-monetary relief
Consumer complaint received 2017-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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: Card was charged for something you did not purchase with the card

Complaint:
I call to resolved this issue with the merchant and after a failed attempt I initiated a case with the Bank. I spoke with approximately 7 people on XX/XX/XXXX about this situation. Representatives talking to me as if I did something wrong- Unbelievable! <P/>I am absolutely appealing the denial of my claim. The merchant did not receive my authorization to charge the amount and this is Fraud.

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 2021-11-30
Company: EQUIFAX, INC.
State: LA
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 disputed a fraud account with Equifax several time and it comes back verified. I sent in a FTC report as well as a police report and noting change. I sent in certified letters though the mail and several conversation on the phone with Equifax still no results. I fed up and this is hindering me from getting things i need with my credit. Please help. I also have a complaint about how can a collection be disputed one day a be deleted and three days later put back on your credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2022, my checking account was charged a total of {$140.00} over-draft fees ; Beginning balance on this date was Beginning Remaining Balance Balance {$160.00} $ ( XXXX ) {$99.00} $ ( XXXX ) {$79.00} $ ( XXXX ) {$52.00} $ ( XXXX ) {$2.00} $ ( XXXX ) $ ( XXXX ) I agree my account was over-drawn when the {$60.00} posted, but Truist Bank charged my 4 times. 

This is " unfair practice '' and Truist Bank should be held liable for the fees and damages. In addition, I was on hold almost a hour, unacceptable customer service.

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 2022-02-16
Company: Experian Information Solutions Inc.
State: NJ
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2017-12-29
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: Account status incorrect

Complaint:
Please see attached Complaint Number XXXX against XXXX XXXX, copy of XXXX response deleting the late payments, copies of my latest credit report. 

I filed a complaint against XXXX with regards to XXXX account XXXX. XXXX responded dated XX/XX/XXXX that they already submitted a request to all the credit reporting agencies to remove lates reported in between XX/XX/XXXX to XX/XX/XXXX. Despite XXXX sending the request to the bureaus, more than 30 business days had passed, the late payments are still in my report. I am now willing to file a lawsuit against the bureaus and XXXX due to their negligence and none compliance.

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 2022-02-16
Company: Mr. Cooper Group Inc.
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted a complaint almost 1 year ago for the illegal foreclosure nationstar did on my home in XXXX after I became XXXX from XXXX XXXX in XXXX. They violated federal regulation code XXXX exclusion and did not offer any foreclosure alternatives. They took over {$3000.00} for a reinstatement in XXXX that was never applied or accounted for. They did not serve any documents legally or correctly and did not sell the home but instead took it back, locked me out and then sold it for nearly {$40000.00} more than I owed. They claimed incorrect balances owed and did all of this while I was under modification. All these agencies just say there is nothing they can do and that's after they let nationstar investigate their own misconduct which of course they found to be correct. None of this helps anyone because the CFPB and THE D.F.I. side with the ones doing this to people who can really say " there's nothing we can do ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX XXXX XXXX # XXXX. The dates were XX/XX/2020,XX/XX/2020, my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving in to a new apt . I was under the COVID-19 SHUT DOWN .The CARES Act calls these agreements accommodations.

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 2017-12-29
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX
XXXX XXXX XXXX, MA XXXX

(XXXX) XXXX

this company is not licensed in Florida and needs to remove this from my credit report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Comerica
State: IN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have around {$23000.00} on my XXXX card which is what my social security XXXX money is sent to every month. My acct need verification to authenticate my acct. I spoke to XXXX and sent in my ID to validate. They sent an email stating they needed more documentation ( ie birth certificate and social security card ) I sent that in. Now they are saying I need to go into the XXXX XXXX. However no offices are open to the public so you must call. Upon calling they told me they dont validate acct for XXXX. I dont know how to get or access my money as I keep getting tan in circles. No one seems to be able to help and I need my XXXX money to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
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 information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2021-03-24
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX my XXXX  and I applied for a mortgage with Wells Fargo in XXXX, NJ. 
The bank provided us with the loan pre-approval letter. Our credit score are XXXX and XXXX respectively yet our loan application was denied. On XX/XX/XXXX we have received a denial letter. A few of the adverse decision factors were : level of delinquency on accounts ; to short time from the recent account opening ; to many credit inquires within the last XXXX  months. We have never had any delinquency. The XXXX out of XXXX credit inquires were by Wells Fargo, and all of our accounts were opened a long time ago and are in perfect standings. On XX/XX/XXXX we have closed the house purchase using our funds from the retirement account ( XXXX XXXX paying in cash. However, this will impact hugely our next year taxes as the money taken out of the XXXX  will be considered as a taxable amount. Our potential loss will be about $ XXXX to be paid in taxes as a lump sum as opposed to mortgage interest of the XXXX yrs fixed loan.

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 2017-07-11
Company: Kimball, Tirey & St. John LLP
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was living at an apartment complex and had to leave early and break the lease. I worked it out with the company that they would keep my deposit and I cleaned the apartment so it was spotless. Years later they sold the debt to a collection company and they have been attempting to collect XXXX XXXX from me.

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 2021-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 sent you a debt validation letter more than 120 days ago asking for your company to provide me with proof that I own this debt, and your company has failed to respond. I then looked at my credit report and noticed that you are still reporting this inaccurate account on my credit report without validating it. The law is clear on this issue, you cant continue report a disputed debt if you failed to validate. Because of your actions, you have violated the FDCPA act which carries a fine of {$1000.00} for every incident, and FCRA for reporting inaccurate information on my credit. This violation also carries a fine of {$1000.00}

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 2020-11-28
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XX/XX/2020 I decided to open a Citibank secured credit card with a {$600.00} credit line. Unfortunately the card went missing and fraudulent purchases were charged to the card I have been trying to rectify this with Citibank since than But they refuse to comply with their fraud policies. Since then they still have my {$600.00} in the account is in collections.

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 2021-04-14
Company: Experian Information Solutions Inc.
State: IN
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 disputed my complaints about certain credit as I listed in my letter and affidavit about them fraudulently placing their tradeline names on my credit report. I have shown the Experian how legally the alleged amounts, the trade line names, and alleged late payments by these FDIC banks all fraudulent based on laws and process that these alleged loans take place. All the banks and any entity that has purchased the alleged debt are doing so fraudulently. They act as if they have lent something of value to place their tradeline name on the credit report. FDIC banks can not lend their on assets or become surety of someone elses money. This would mean the banks are acting Ultra vires. Yet Experian has not done a legal verification of this alleged creditors and taken them of 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 2022-02-16
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
TSI-Transworld Systems Inc XXXX 

This collection agency took the debt over of my XXXX XXXX XXXX. On XX/XX/XXXX, I rec 'd a letter informing me the debt was {$13000.00} and a monthly payment of {$570.00} as agreed on would come out of my bank for 23 months which would equal {$13000.00}. This is more than the debt on the payment notice. On the account summary from XXXX XXXX XXXX, on XX/XX/XXXX the debt was listed as {$10000.00}. I rec 'd a copy of account summary on XX/XX/XXXX as i had been locked out of the XXXX XXXX account and started noticing discrepancies b/w the XXXX XXXX monthly statement and the TSI monthly account statement. When I called in XX/XX/XXXX to verify the payment plan had stopped, I was informed I still owed {$8400.00}, and the 23-month payment plan was just the length they can set payments up and the amount is more because they charge fees and there is interest added. I agreed to start paying {$1200.00} to get this paid in full. However, I started noticing each statement from the XXXX XXXX XXXX had different amount owned than the statement from TSI. Again, I called and was told this is due to interest and their fees and the debt can change at any time. I did request during that call an account summary. As of XX/XX/XXXX XXXX XXXX XXXX  statement reports the debt as {$3400.00} and TSI statement reports the debt as {$4000.00} which went up from the amount, they reported in the phone call which was $ {$4000.00} still owed per XXXX. As of date, I have paid this company {$15000.00} well over the original debt told to me and they have me still owing {$4000.00}. I have all of the documentation and bank statements. Additional files upon request.

Company response to consumer: Closed with explanation