BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-02
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: Information belongs to someone else

Complaint:
I sent an initial dispute letter on XX/XX/XXXX but received no response from them. I sent a follow up letter on XX/XX/XXXX but still there was no response or investigation made. 

I have written the company numerous times and they keep on reporting incorrect information on my credit report. The unverified, incomplete, inaccurate items remained on my credit report in violation of Federal Law. They are in violation of Fair Debt Collection Practices Act because they did not prove validity of the debt, they failed to provide evidence to support ownership of the debt, they did not furnish the paperwork required to show 100 % proof that I own the debt. 

I did not receive a letter announcing that the investigation has begun. They are required to respond to me and complete their investigation within 30 days but none of this happened. 

List of Personal information that I have no knowledge of, not mine : Date of Birth : XX/XX/XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX - I believe that I had made my payments when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied. 

List of accounts Account does not belong to me. Information does not relate to any transactions that I have made : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Transunion reported XX/XX/XXXX on the date of last activity, while XXXX reported XX/XX/XXXX. All dates should be the same. 

I have disputed these accounts and personal information from the Bureaus. These are not my accounts. Please help me remove it from my file. I contacted the the Bureau but I could not get any help.

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 2021-02-10
Company: CITIBANK, N.A.
State: NY
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: Problem with personal statement of dispute

Complaint:
In XXXX, I applied for an LL Bean Mastercard. My identity was stolen shortly after I opened the account. During this time, I made a purchase in the amount of {$62.00}. I never received a bill for this purchase. I closed the account shortly after the fraud occurred. 

I did not hear anything from LL Bean Mastercard via phone, email, or mail about a balance due. I believe that LL Bean Mastercard may have had incorrect contact information for me due to the previous fraud that had occurred on the account ( where someone else changed my address, email, and phone number ). 

In XXXX, I received a letter from XXXX XXXX XXXX stating that I owed a balance of {$200.00} because of late fees incurred from non-payments on the LL Bean Mastercard. I disputed the fees, explaining that I had never received a bill, and agreed to pay a reduced fee. 

My credit report, however, shows that I made late payments on this account for 7 months and that my account was 90 days past due. I disputed this with XXXX, but they did not change the information on my credit report. 

I believe my credit report should NOT reflect late payments made on this account, because I could not have paid a bill I never received. I have a very good credit record and pay all my bills on time, so this information is misleading and erroneous, and is harmful to me. It has already caused my credit score to go down and I was denied a new credit card recently due to this erroneous information.

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 2020-08-21
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: Information belongs to someone else

Complaint:
These are not my accounts. Please remove 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 2020-11-04
Company: CarMax, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report, it has been well over thirty ( 30 ) days and I have yet to recieve any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I sent an initial dispute letter on XX/XX/XXXX but received no response from them. I sent a follow up letter on XX/XX/XXXX but still there was no response or investigation made. 

I have written the company numerous times and they keep on reporting incorrect information on my credit report. The unverified, incomplete, inaccurate items remained on my credit report in violation of Federal Law. They are in violation of Fair Debt Collection Practices Act because they did not prove validity of the debt, they failed to provide evidence to support ownership of the debt, they did not furnish the paperwork required to show 100 % proof that I own the debt. 

I did not receive a letter announcing that the investigation has begun. They are required to respond to me and complete their investigation within 30 days but none of this happened. 

List of Personal information that I have no knowledge of, not mine : Date of Birth : XX/XX/XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX - I believe that I had made my payments when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied. 

List of accounts Account does not belong to me. Information does not relate to any transactions that I have made : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX reported XX/XX/XXXX on the date of last activity, while Equifax reported XX/XX/XXXX. All dates should be the same. 

I have disputed these accounts and personal information from the Bureaus. These are not my accounts. Please help me remove it from my file. I contacted the the Bureau but I could not get any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is account was settled back in XX/XX/2018. After the settlement capital one informed me that they would take care of all the negative information on the account ( including late payments ) being reported to the credit bureau 's. I have spoken to many representatives at capital one and have been constantly pushed and pulled in the wrong direction. All the way from supervisors to managers to csr 's. I have been more than patient. i filed a complaint with the XXXX+ and was received a call from one of the principal coordinator 's informing me that she was my advocate to this issue. She told me that she would call me and keep me informed on getting this issue resolved. She never called.I always had to call her for an update, and getting in contact with her and even then that was a hassle. Her line was always busy and i had to get transferred over to her. XXXX is her name. I mean by far, i have been dealing with this issue for almost a year. I will never have an account with Capital one again. The customer service is not the best at all. I held up my end of the bargain, i just wish they would of too.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: Lamont, Hanley & Associates, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Lamont, Hanley, and Associates of XXXX XXXX XXXX, XXXX has repeatedly billed me, XXXX XXXX XXXX, for medical debt I do not owe. This debt was supposed incurred by my wife, XXXX XXXX XXXX, when she was on dialysis and was under the protection of Medicare A and B as well as private insurance. 

The original creditor, XXXX XXXX XXXX XXXX XXXX, has sent me and my wife written notice that they will desist from attempting to collect the alleged owed money, and I have provided a copy of this letter to Lamont, Hanley at least five times. 

Please also note the following : Lamont , Hanley & Associates has repeatedly sent me correspondence with an incorrect zip code in their letterhead -- even after I pointed out the error. They also withhold their unit number from their letterhead. I must assume they are doing this to other clients as a method of dodging disputes. You can see their real address and zip code on XXXX XXXX at this link : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I consider XXXX XXXX XXXX a party to this complaint. Therefore, a copy of the complaint should be forwarded to that party as well. 

XXXX XXXX XXXX XXXX cc : XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: Financial Business and Consumer Solutions.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX is trying to collect on a debt that is time barred and more than twenty years old I have never made payments on this debt and I never will this is stolen credit card I have already been to Civil court with the original creditor XXXX and met with them and a mediation attorney the case was closed back then I believe XXXX   XXXX XXXX was collecting for them and this was in XXXX I do not want XXXX to contact me any more I have disputed this debt again in XXXX and every now and then they find me and send me another letter asking for payment on a debt that isn't mine the last letter was sent to my new address the letter is dated XX/XX/XXXX this is rediculous and they need to stop this once and for all

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: U.S. BANCORP
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I made my mortgage payment for XXXX on XX/XX/XXXX using a cashier check I deposit on XX/XX/XXXX payment is supposed to post on XX/XX/XXXX at midnight payment has not posted yet. I called U.S Bank to notify them over a twenty minute hold time and it is stating that Im missing a payment which is not true when I made my payment using my checking account information using bill pay through U.S Bank App unacceptable. And unable to reach representative over the phone.

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 2020-07-13
Company: Receivable Asset Management
State: AZ
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:
I received a telephone call from a company identifying as the XXXX XXXX. The contact name was XXXX XXXX. He advised that I owed money on an account with XXXX which I did not recognize. He further advised that if I did not pay immediately he would Institute a warrant for my arrest. I advised that I needed further information on this debt in writing which you refused to provide.

Company response to consumer: Untimely response
Consumer complaint received 2018-04-10
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2018 I was informed that our Key Bank credit card was declined. Knowing that there was more than enough money in the account, I called XXXX and spoke to multiple representatives in many different departments of Key Bank. I was eventually informed that our company account was being closed because it was deemed a " risk '' to the bank to keep it open. I asked how that was possible when we have not had any overdrafts, declines, lack of activity or anything, and we maintained a positive balance at all times. I was only told that the bank " calculates these matters and makes a decision '', frustrated with the lack of any detail in the response, I continued to ask what made us a risk. Key Bank continued to tell me that they have no further information and it can not be undone, and that Key Bank has the right to close my account at any time. I asked why I was not notified of this at all. Key Bank then claimed that a certified letter was mailed to an old address of the company, when I asked for proof that anyone signed for that letter ( knowing that it is a vacant building currently for sale ), they said they have no proof that anyone received this letter. I then asked if there is any proof that anyone called the company to inform us this was going to happen? ( knowing that we had not received any such call from Key Bank ). They responded that they do not have proof of that either. So now our company account is frozen, company bills can not be paid ( including rent ), employees can not be paid and feed their families, and the balance of our account will be mailed in a check sometime next week to the abandoned building we used to occupy. I even went as far as calling the local branch we opened the account at XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) -  XXXX for more details. They also would not provide me with any details as to why this is happening, nor would they provide me with any proof that they attempted to notify us of this. I informed them that is the shadiest banking experience I have ever been a part of and I do not understand how they are not violating some consumer protection right by doing this to us. No one along the away showed any remorse, nor were they helpful in any way. Our company will now suffer several late fees and penalties on bills we can not pay since our account was frozen without us being made aware of this. I very strongly feel that Key Bank should be responsible for these fees and should be investigated and forced to provide some proof that they notified us of any issue leading to our account being closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: Bread Financial 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:
I got a alert that a card was opened, the same day of this credit card being opened I contacted Comenity Bank XXXX XXXX  Visa. 
I spoke to the fraud department which assured me that the account was closed as Fraud /Not authorized and that it will not show on my credit report.

1 week later I received a credit card in the mail I called again and spoke to fraud department and they assured me it was already closed, and that they removed any credit inquires, as well as account will be removed from credit report, not just showing closed but removed as I never opened it.

As of today it is showing open

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
At this point I'm filing a separate report for Fifth Third Bank retaliating against me for closing my account please notice the attached letter I am sending the bank must think this is some type of Joker game after they made several errors on my account it is been well aware and in advised that I would be closing this account I had sent all pertaining documents as requested to Fifth Third Bank as they sent me a letter asking for more information I mail that off about two and a half or three weeks ago to the company in regards to an XXXX dispute the company had more than enough supporting evidence that I had tried to resolve the issues with XXXX and that XXXX was having issues on their platform which led to a trip I was on being altered by several miles due to the app freezing I have said all of that documentation to Fifth Third as requested as I've said and now they're telling me that without my permission or authority they have reopen my account and closed it back with a negative balance and I reporting it to a consumer agency so at this point along with this complaint I will be filing a complaint with all regulating agencies over this bank and filing a small claims lawsuit against the bank for defamation of character and for now opening and closing an account once again without my permission or authority and for sending me this oblivious threat I've never seen such a financial institution operate in a bully type of status

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: AUTOMOTIVE CREDIT CORPORATION
State: MI
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 a victim of identity theft. My information was stolen and used from my XXXX address while I was living in XXXX, XXXX. I have repeatedly tried to get this off my credit report. XXXX Statie of Limitation debt credit reporting is 6 years and its been reporting for 5 fraudulently, so i dont understand why they wont comply and take it off my credit report. Automotive credit Corp, auto opened XX/XX/2013, balance {$12000.00}. I filed a police report years ago

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 2018-10-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
In my most recent credit report, only SSN, XXXX account and XXXX account belong to me. Others belong to another person. I have attached an XXXX report, which is correct, hope that can help you correct my credit file. When I got my first credit card, I had no SSN and lived in the previous address, hope that could help you find my missing accounts in your system.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: Collection Associates, Ltd.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
These collections violates the HIPAA act. I didny authorize my personal medical information to be sent to anyone without my consent. I habent received 1 bill as my insurance has paid these amounts and they appear to be duplicate acxounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
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:
I have been back and forth with TransUnion regarding the inquiries on my credit report. I sent a letter on XXXX outlining inquiries on my credit report that were unknown to me and unauthorized. I then followed up with this letter on XXXX as TransUnion ignored my first correspondence. They continued to ignore me, so another letter was sent out to TransUnion on XXXX, again another request for an investigation and removal incomplete and denied. 2 more letters have been sent since on XXXX and on XXXX requesting an investigation and removal of inquiries that I did not authorize. 

When speaking with TransUnion customer service via phone, they really did their best to express to me that the burden of proof is on me. I have reached out to EVERY single one of the companies that are listed on the inquiries section of my credit report ... I have gotten some letters back from these companies just saying that " per the FCRA we can not assist you with your inquiry ''. I have sent this information to transunion and yet still no results.

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 2019-11-17
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:
equifax is reporting US DEPT OF ED acct.no, XXXX The account IS TOO OLD TO BE ON FILE. 
I have not made a payment since XXXX2011.I never paid any money to the {$9100.00} original balance.I never used any of the loan proceeds to pay for school.I never went to school or passed any courses using this money.There is no payment history from me or proper deferment earned.The account is inaccurate and TOO OLD TO BE ON FILE.

Company response to consumer: Closed with explanation