BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 found out recently that someone, clearly someone pulling something fraudulent, had XXXX pull a HARD credit against my name and SSN. I was and am furious that someone did this as this caused my credit score to decrease. It is appalling that XXXX did not contact me at my mailing address or landline phone to see if this request for services from them in MY NAME with MY SSSN was legit. 

The date of the HARD credit inquiry was XXXX/XXXX/XXXX. 

Per TransUnion I rang XXXX and it was a total fiasco. They told me to go ONLY in person to XXXX. XXXX in person said that they could do NOTHING and that the credit bureau has to dispute/remove the hard credit search. 

I DO NOT HAVE time to deal with this so I need this HARD credit inquiry to be scrubbed from ALL of the credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: DISCOVER BANK
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have transferred money from my XXXX account to my Discover checking account on three different occasions. None of the transfers have shown up in my Discover checking account. The dates and amounts are as follows : XX/XX/XXXX {$240.00}, XX/XX/XXXX XXXX, and XX/XX/XXXX XXXX. I have talked to XXXX and they tell me the transfers are successful on their end. XXXX has provided tracer numbers on two of the transactions which I will attach in the complaint. Discover says they have not received the deposits from XXXX and are having trouble verifying the tracer numbers provided by XXXX. XXXX has verified my Discover checking account number and routing number. I don't know what else to do. XXXX says the transfers are successful and they show them deposited to my Discover checking account. Discover says they do not see the deposits. Please help me locate my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
XXXX XXXX XXXX was sent a cashier check for XXXX for an escrowee account the contract was cancelled so the check was supposed to be returned and it was cashed at the Chase branch and voided and then sent back to me. So {$5000.00} was stolen by XXXX XXXX XXXX in which who has committed fraud against me and my account has been compromised

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Asset Recovery Solutions, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX has placed a collection debt on my credit report for what seems to be a home security system for an address I've never lived at nor been to. It is completely fraudulent. I have sent certified letters disputing the collection, as the address is completely foreign to me. Upon recent of my letter, a XXXX representative spoke with me regarding my concerns. The representative stated that the address listed for the home security system was not known or associated with me, ever, nor was it on my credit report. The representative further deceitfully asked me for my address to verify that the account and address on file was not mine. Upon giving the representative my address, she then, unbeknownst to me, updated the account information to reflect MY address and mailed the collection papers to my house. Now the bill has my name and address on it to further their illegal and deceitful attempts to collect a debt for a home system I have never been to, owned, or been associated with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
An Opt-Out Request sent to Lexis Nexis effective XX/XX/2020 @ XXXX The only response was : Thank you for your interest in LexisNexis ' information suppression program. Your request to have information suppressed from LexisNexis publicly facing public records products has been received and is in process. Please note that it may take up to 30 days to suppress your information from LexisNexis products and services.

It has been over 60 days. Is this a violation of FCRA when a secondary bureau just simply provide a genric automated response and never followed thru with what is promised. To Date, I still have not received the Freeze Request PIN in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: VA
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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
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: Account information incorrect

Complaint:
I sent a letter to you disputing this INACCURATE accounts on XX/XX/2022 and mailed them certified with return receipt requested. You are reporting this COLLECTION with a PAST DUE AMOUNT this is inaccurate reporting. You are also reporting inaccurate DATE OF LAST PAYMENT which is also inaccurate reporting. 
Per the Fair Credit Reporting Act section 611 ( a ) ( 5 ), you have 30 days time period to investigate disputes. If you can not verify the information within 30 days time period, you must delete all of the disputed accounts from my report. You must now delete the disputed items and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. 
Enclosed find a copy of my original letter showing all accounts I have disputed. 
Thank in advance to your timely response to this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX XXXX XXXX XXXX -Local XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXXXXXX 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 In Accordance To The Fair Credit Reporter Act The Account Listed Has Violated My Rights..15 usc 1681 Sections 8 States I Have The Right To Privacy 15 usc 1681 section 604 A Section 2.I also state a consumer agency can not furnish your account without my written instructions.

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 2021-06-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hi, I signed up for a promotional credit card with a zero percent promotional interest rate for a fixed period of months with no interest on purchases and balance transfers. As I reviewed my statements Citibank has been illegally charging me interest on the zero-interest card.

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 2022-04-26
Company: Experian Information Solutions Inc.
State: VA
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 non-monetary relief
Consumer complaint received 2020-04-24
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Complaint regarding PHH Mortgage Services/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX. Regarding payments not properly applied to account/payments put in suspense account not used for mortgage and continue to receive Notice of Default which is stressing me out. I requested several times request for payment history. XX/XX/2018 PHH Mortgage lost {$1000.00} payment money order/I sending payments certified with money orders from USPS so i was able to report for replacement-in XXXX i received the replacement and sent to PHH Mortgage {$2000.00} which was never applied to mortgage but put in a suspense account my payments should be on track/there should have been {$2600.00} in suspense account but XXXX continue to report payments behind and Notice of Default continue to be received/unapplied balance {$2000.00}. 
( I do have all the return receipts and USPS money order ( s ) receipts. I will upload at a later time due to i do not have the ability to upload at this time ) PHH mortgage/XXXX XXXX company not only lose payments but also misapply payments and default consumer for their incompetent handling of funds PHH Mortgage/XXXX is not honoring " Modification '' for life of the loan/GMAC Mortgage changed to Ocwen then to PHH Mortgage now XXXX XXXX. I have done complaint regarding this and it has not been resolved. 

This is affecting my family and I unnecessarily during this CoronaVirus pandemic PHH Mortgage/XXXX XXXX do NOT apply payments received correctly and is NOT keeping accurate records

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I KEEP GETTING UNWANTED CALLS FROM THIS XXXX XXXX DESPITE THE FACT I'VE SENT THEM A C AND D LETTER BUT THEY CONTINUE TO CALL ME THIS IS DISTURBING AND I WANT THE CALLS TO STOP IMMEDIATELY. I WANT NO FURTHER COMMUNICATION FROM THIS XXXX XXXX PERIOD.

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 2022-04-26
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX my insurance company sent me to XXXX to pick up a rental car due to an accident I had. We had the car for almost 3 weeks and returned to XXXX. On XX/XX/2021. I saw a charge from this company for {$37.00} I never received an invoice and the insurance company told me they will be paid for the rental car we didn't know why we had this charge so I told my bank to dispute this charge. On XX/XX/2021, I received a phone call from the bank letting me know what I was charging for, and when they told me they were tolls payments I approved the transaction, which was paid right away. later in XXXX, I received a collection letter from Transworld Systems Inc, letting me know I owe them {$44.00}. I have been calling, and sending letters with the payment proof like the bank statements and the bank letter more than twice times and they continue saying that I have to pay for the service and the late fees. I never received a written response to my letters and I have been dealing with them for more than 8 months and I don't see they solving this situation. Now in the last call I did their response by phone was I'm in the red list. I don't know what else I can give them to proof of payment and when I asked I didn't receive a response

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Back on XX/XX/XXXX I went to purchase appliances on Home Depot using my credit card for the amount of {$1200.00}. A month later I decide to cancelled this order an purchase a better quality appliances for higher amount. I was informed by this company that i will received a credit for the {$1200.00}. Later on XX/XX/XXXX I sow a credit for the amount described. Beginning of this year I sow the same amount reflected on my account and a note saying that this promotion will expire on XX/XX/XXXX. Since XXXX of this year I am trying to fix this used also I maked a disputed with Citi Bank witch determinate I did have the credit for {$1200.00} back on XX/XX/XXXX. Obviously this bank never took the moment to review the problem and simple they answer was what Home Depot informed but never give me the credit. Now is even works because this year City Bank and Home Depot as well never apply my payment on my account and they refuse to fix this problem. I do have all the proofs to support and strong evidence they are overcharge 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 2018-06-04
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
InXX/XX/XXXX it came to my attention that my credit card history with XXXX XXXX ( a credit card I've had since XX/XX/XXXX ), is not showing on my Experian Credit Report ( though it IS showing on XXXX  and XXXX  ).

I called Experian and they informed me that they collect all reported information from XXXX XXXX   and that the problem must be with XXXX XXXX. To look into the issue they filed a research inquiry.

On XX/XX/XXXX, I contacted XXXX XXXX  to confirm that they are indeed reporting this card to XXXX, and they assured me that they are. They also told me that they would file a request to Experian to make sure that this card is showing up.

More recently, in XX/XX/XXXX, I have followed up with both organizations and the situation appears to have not progressed. Seeing that the card in question is still not on my Experian report, I followed up with XXXX XXXX. They once again assured me that they are reporting it, that it must be a problem with Experian, and they once again promised to file a request. I then followed up with Experian, and they too assured me that everything that XXXX XXXX reports they include, and so the problem must be with XXXX XXXX. They too attempted to assuage me by initiating a research request.

That 6 months have passed and that this process is not likely to not get me any further is now fully evident and extremely frustrating. To have almost 6 years of credit history not show up on my Experian credit report ( the only bureau that matters apparently ), is extremely damaging to my attempts to gain other credit.

Please help me resolve this mess between these two giants that seem to be content merely filing requests and reports without actually resolving my issue.

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 2020-02-20
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
About XXXX XXXX, I was contacted by Credit Acceptance to collect a debt from me totaling {$9900.00}. The agent stated to me that he was an employee of the collections department of Credit Acceptance, as they do all of their debt collecting in-house. Then then stated that the company was willing to settle on the debt for {$3900.00}. I told him that if he could give me until the first of the year, I would definitely be willing to pay that amount. He responded that was doable as long as I paid {$100.00} before XX/XX/2019, to lock in the settlement. I asked him specifically, if I paid this, would the company would be willing to delete this discrepancy from my credit report and he responded yes. So, asked if I could have in writing these terms and he said that he would be sending them via postal services. 
No more than 1 week later, I received the letter, however, it didn't reflect the information that the account would be deleted from my credit as promised once payments were satisfied. 

I called back to Credit Acceptance and explained the situation and what I was expecting. This time, I spoke to his alleged supervisor for his department and she informed me that the gentleman didn't give me true Information, as deleting the account was not something that could be accomplished. 
So, at this point, I was told one thing by one employee and then something completely different by another employee of the same company and same department.

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 2020-02-20
Company: TD BANK US HOLDING COMPANY
State: PA
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:
Target credit card was unpaid from XX/XX/XXXX until XX/XX/XXXX. I thought I had signed up online for automatic pay from my checking account. I didn't realize the payments weren't coming out of my account. I was a XXXX XXXX and had changed addresses so I didn't receive notices in the mail. I didn't realize I was past due until I started receiving phone calls that I was past due. I immediately paid the balance in full. Target was unwilling to work with me to remove the derogatory information from my credit report. If you look at my entire credit report, I have only had one other issue with a student loan. Everything else has been paid as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-21
Company: MRS BPO, LLC
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:
XXXX XXXX-i have never had it, in 2017 i was and still with XXXX XXXX XXXX. Don t understand how and why I'm being charged for this bill.-my x and his family h as used my ss # in th e pastt, been cleaning up this mess for years.please help m e take it off myh credit. Ty

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In accordance with the fair credit Reporting act, XXXX ; Account number XXXX, has violated my rights. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
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: Information belongs to someone else

Complaint:
There are three accounts on my credit report that do not belong to me I have tried dealing with the bureaus as well as the furnishers but they will not help me out. I have not signed or authorized or own any cards like these I need them off my credit report ASAP!!! 

Account Name : XXXX/XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 2020-04-24
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted XXXX in several occasions to try to rectify this issue and instead they continued to pass the buck around the company and no one would help me and yet this is still negatively reporting in my credit. 

Back in XX/XX/XXXXor XX/XX/XXXX not 100 % sure but i had an account with them i moved and transferred the account. The customer service rep some how created a totally new account for me not informing me of what she did therefore it resulted in a early term fee and some other unpaid fees that i have no clue about. When i contact the creditor EOS as well as XXXX no one can produce the finale bill Nor break down the charges to me. This is why Im bringing it here. I need this off my credit and Im at lost of what to do. My next step i guess is going to small claims court if i can not resolve it here.

Company response to consumer: Closed with explanation