BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I mailed a letter with the same information below and got no response. 

Im sending this letter to dispute the following fraudulent inquiries. Below is the name of the companies and the date of the inquiry. 

XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07
Company: BANK OF THE WEST
State: IA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2022 @ XXXX XXXX I received a voicemail from a gentleman by the name of XXXX. He said he was Housing and Urban Development and the reason for his call was a sensative issue they had in regards to my home ( leaves my address ) and says before they proceed with legal action and start the foreclosure process on my home, I need to contact him as it would be in my best interest and leaves his number. 
Then on XX/XX/2022 at XXXX I received a call from XXXX again. This time he said he was with XXXXXXXX XXXX XXXX department and repeats the previous message about legal action against my home and how it would be in my best interest to call him. 
Around XXXX on XX/XX/XXXX, XXXX I returned the call I had received from XXXX and spoke to a man by the name of XXXX. When I asked who he was with, he told me California XXXXXXXX XXXX XXXX. He then asked for my account number and I told him I did not have it and I did not have a loan through them either. I proceeded to tell him that it was illegal to place phone calls and leave threatening voicemails as well. He then informed me that I had the wrong number that the XXXX does not work there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this account with this company on different occasions, I even disputed the account with the credit bureaus in XXXX and again in XXXX. This account is not an account that is my account or is it a valid account that they have put into collections. They are falsely reporting this on my credit reports and it is affecting my chances of getting a home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: The Law Offices of Matthew R. Wildermuth
State: IL
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: Investigation took more than 30 days

Complaint:
Entered into a agreement for legal services with Matthew R. Wildermuth to modify a mortgage agreement with XXXX XXXX XXXX on XXXX XXXX, XXXX Received notice of foreclosure sale set for XXXX XXXX, XXXX from XXXX XXXX XXXX. 

Received termination of representation for mortgage loan restructure on XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-08-12
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2021-11-05
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: Account information incorrect

Complaint:
Debt collection is fraudulent and needs to remove from my consumer credit report from all three agencies XXXX, XXXX and TRANSUNION

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 2019-05-12
Company: EQUIFAX, INC.
State: AL
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 filed a response to my last dispute stating they have removed a bankruptcy from my credit report. Their response also indicates that it was removed due to exceeding the timeframe for verification. They are refusing to admit that the public information was never verified. I have proof of the continual lies. The bankruptcy is still showing on my credit report even after XXXX claimed they removed it. The response from XXXX states that bankruptcy is verified with the XXXX system. MORE LIES AND I HAVE PROOF!!! There is no bankruptcy listed under my name in the XXXX   system. This bankruptcy should be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My mom is an authorized user on my Belk account. She paid {$250.00} on my card on XX/XX/XXXX and was given a receipt to verify the payment. Normally, when making a payment in the store, the payment is posted to the account immediately. However, the store was having a large sale ( Charity sale ), so the cashier told her it may take a few hours for the payment to post. It NEVER posted! I checked my account on-line XX/XX/XXXX and it STILL had not posted. However, the check cleared the bank on XX/XX/XXXX. I received an email on XX/XX/XXXX at XXXX XXXX, stating a payment to my account was posted. So again, I checked online, to view the available credit and payments on my account. It showed no minimum payment due and the " last payment of {$250.00} was paid on XX/XX/XXXX ''. However, the payment STILL was not applied to my account balance. I rechecked again today, thinking it may update within 24 hours ( which has never had to do ), but the payment STILL has not been credited to my account!! I have filed their forms to report a missing payment, but to date, I have not received a response.

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 2022-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have a credit card with Capital One. Towards the end of last year, my income ended. I did my best to keep up with payments, but eventually the money ran out. I called capital one for assistance and they offered me the option to pay or pay. There was no forbearance program, and if I wanted to delay payment, I had to know exactly how much I would be able to pay and exactly when before I had even found a new source of income.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Equifax is refusing to correct my address on my report. They wo n't show my home address and want to show a business address. This is a major negative impact on my credit score because my credit is based on my home address NOT where I work and Equifax for months has not corrected this error despite my constant and repeated request for them to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: Credit Central Holdings, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Last week the company called me while I was at work ( and out of town, I do travel for work ). I had missed my payment, my fault. I told " XXXX '' not to call me at work. I came home and ( my fault again ) forgot about the payment. I was at work today and XXXX again called me at work. I told him, that I had said not to call me at work, and that I could n't take care of it right then, and I would have my wife call. He then threatened me by saying if I did n't resolve the issue right then he would have to " take action '' and continued to harass me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I CONTACTED EQUIFAX TO DISPUTE ACCOUNT DOES NOT BELONGS TO ME 3 TIMES. ON XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX TO LET THEM KNOW THIS NOT MY ACCOUNT. CREDITOR HAS NOT PROVIDED ANY PROOF THIS ACCOUNT BELONGS TO ME, THEREFORE SHOULD BE REMOVED OFF MY CREDIT FILE. I'VE NEVER APPLIED FOR ANYTHING IN MY NAME, IM ONLY XXXXYEARS OLD AND IM A XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have retained legal counsel and will be filing XXXX. Please cease and desist and do not credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
USAA has continued to reorder transactions to maximize their fees in my account and delay USAA to USAA transfers to bounce transactions. I am " opted out '' and thus if I do not have enough money, debit transactions should be declined. Instead, they reorder charges to always process ACH transactions last, so debits always go through and they can charge overdraft fees on the ACH transactions. On XX/XX/XXXX I added {$200.00} to my USAA account from USAA brokerage. On XX/XX/XXXX a {$90.00} ach was bounced because even though USAA had my money and had taken it from my brokerage, they did not credit it to me until XX/XX/XXXX, essentially holding it themselves on the day of XX/XX/XXXX so it was available in neither USAA account and resulting in a {$29.00} NSF fee. Then, they charged another {$25.00} overdraft fee by reordering transactions that same day they had my money not credited to clear the ACH last instead of a debit last, which would have resulted in no fee, to say I was - {$1.00} because of an ACH. They continuously reorder fees to process ACHs last on people that are opted out to maximize fees, and also process largest to smallest then to maximize fees. In addition, they delay USAA to USAA transfers making the money available in neither account to hold money for a day to bounce items.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Credit was pulled without authorization on the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: SYNCHRONY FINANCIAL
State: MO
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:
On today 's date XX/XX/XXXX, I called my credit card company to see why my card was being declined every time I used it. They advised me they input my address wrong and when they issued me a new card, NOT at my request, they sent the card to an undeliverable address. So the card was sent back and they deactivated the card I currently hold in my possession. When I asked them to reactivate the card I have they told me they could not and that I would have to wait 7-10 business days to receive the new card that I NEVER asked for. The card I currently hold does not expire until XX/XX/XXXX. I asked to speak to a supervisor regarding this. After speaking to the supervisor, whose name I regrettably did not ask for, I requested to speak to her supervisor. While waiting for that supervisor they disconnected the line on 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 2017-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 have contacted TransUnion several times by mail disputing hard inquires made on my credit in which I did not authorize and asked them to please remove these inquires. As of this date it has not been done.

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 2017-12-27
Company: Capital Management Services, LP
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Getting repeated calls from XXXX XXXX XXXX asking to speak to someone on their list that they are trying to collect a debt from. The people they tend to call about have my same last name and first initial, suggesting they are using intrusive automation ( I believe the term is 'raking ' ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I sent my student loan company Navient a Principal Payment in the amount of {$30000.00} and they have not credited my account. The check has cleared my bank account on XX/XX/2019 and I included a letter of instruction with my check. I believe there is fraud or embezzlement going on with Navient and they have stolen my money. This is money I have saved for a long time and worked very hard to get my student loans paid off. Please help me resolve this and find my money. I am very distraught and I have tried to contact Navient and faxed them proof of payment and I can not get anyone to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: AMERICAN EXPRESS COMPANY
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: Card was charged for something you did not purchase with the card

Complaint:
American Express had a $ XXXX/month statement credit for using XXXX ( for platinum cared " members '' ) Turns out as of XX/XX/2021 they changed that credit and signed me ( and I assume many many others ) to an XXXX subscription with no notice, for $ XXXX/month.

When I inquired, Amex made it incredibly difficult to contest the charge, taking more than 2 hours and multiple reps and at least one supervisor to NOT resolve the issue.

When Amex told me I signed up for it, there's NO PLACE ON AMEX 's site to unenroll. 
They told to unenroll on XXXX 's site, but I'm not enrolled via XXXX 's site. How do I know? because I can't unenroll and it offers me to ENROLL.

Btw XXXX is even worse only way to contact customer service is via XXXX. Not their app, not their website.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-07
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midland Credit Management has called me numerous times throughout the day since the beginning of XXXX I have already complained to the supervisor "XXXX regarding the aggressive behavior of my account manager, XXXX XXXX  and requested that my account, be transferred to another person without success. I have spoken repeatedly to XXXX and explained that I am experiencing financial hardship. My family was affected by the XXXX XXXX fire and my son's father suddenly stopped paying child support in  XXXXr which has make bills tough. I spoke to the Supervisor on more than one occasion and expressed that I would need more time, which he allowed but I continue to get aggressive calls from XXXX  despite the fact that I informed him that I had already spoken to his supervisor and that he was going to allow me more time due to financial hardship. When I would speak to XXXX he would talk over me, reading from a script, interrupt me, and make snarky remarks.Calls have been made to me on the following dates and times in the last week.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX resold an account to XXXX XXXX- who moved from XXXX, NV to XXXX, mi according to credit data recently acquired. This account is reaged- XXXX debt is actually owed. 

XXXX  XXXX has abused my phone for over XXXX  in TCPA violations. They continued to harass me after stating they would cease. Further- they keep playing who owns the account game with XXXX/XXXX/XXXX XXXX to continue to illegally extort me. Even assuming I paid them- they would continue to extort me after trying to triple what I originally may have owed them. Once acct is resold- you only owe what the collector paid -- which is XXXX   on the XXXX. Both XXXX XXXX-targeting consumers with no or low or abused credit intentionally- and XXXX need business licenses yanked. I further demand access to new accounts from these companies to repair thier illegal damage. I am not afraid to take this case to the FBI and DoJ.

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 2019-09-19
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ATTENTION XXXX, On XX/XX/XXXX I received an alert from XXXX monortng services that their was attempted inquiry from, Company - American Express Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ut. XXXX Phone No. XXXX XXXX XXXX XXXX and was blocked, but today on XX/XX/XXXX I received another alert that the inquiry in fact did go through and hit my credit report without my authorization. 
I've tried calling AMEX above mentioned company and it is impossible to get through to them, I need this inquiry removed from my credit report right away as it is impacting my score negatively and dropped.

Company response to consumer: Closed with explanation