BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-07
Company: Aldous & Associates, PLLC
State: CO
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 didn't pay a XXXX ( gym membership ) bill years ago. I recieved a notice from a lawer in the mail. I called the gym first, and was advised to pay the amount they needed and it would all be over with. I paid at that point. I still got the calls so i answered one and expalined that the gym told me it was over, I was paid in full. The person on the other end told me that i still owed their law offices. I asked why, and they couldn't say. I then hung up. I have received up to fifty calls from law offices regaurding this XXXX account that I have already paid off. I called back the same manager at XXXX and he told me he would take care of it and unless i heard back from him that I shouldn't worry. I kept getting calls but ignored them because they were just calls ... Then i got an email from XXXX XXXX that said Aldous and Associates is placing this into collection. The XXXX managers have no idea who this law office is, nor do they know why i am still being hasselled about this as I don't owe them anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
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:
I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department XXXX XXXX XXXX XXXX sheriffs XXXX of these fraudulent accounts and have made a police report. 

Under the FCRA 2009 ( a ) the Credit reporting agencies must cease and desist from reporting these accounts that have been brought to their attention are fraudulent, and were open without the consumers consent. 

I am in talks with my local attorney generals office to assist with this theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Company is attempting to collect a debt of {$9500.00} that is not owed. I was sent a letter on XX/XX/2019 stating that I owed it with absolutely no proof of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Tried to deposit checks with cash back. Paychecks were to my roommate. He endorsed them over to me. Manager XXXX would not allow us to deposit, even though we were both present with ids. Been depositing these check for two years and he claims the bank doesnt allow checks to be endorsed to others. Extremely rude.

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 2019-05-24
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it may concern, I have sent Ditech Financial LLC ( " Ditech '' ) five different letters on XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) to the designated following address ( given by Ditech ) where mortgage loan customers are requested to send any Qualified Written Request, Notice of Error or Request for Information : XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX per resolution letter submitted to me. 

Ditech finally sent a letter on XX/XX/XXXX to work out an option for a reinstatement and repayment plan along with a contact representatives name and number. I attempted several times to reach the person, left messages including e-mails to Ditech and have not received a response. 

I have not heard back and as of today, XX/XX/XXXX, and, the only correspondence I have from Ditech in regards to the request is dated XX/XX/XXXX in a letter stating that they would get back to my request as their research has not concluded. 
Again, I am trying to obtain a repayment plan for a nine ( 9 ) month period with an additional borrower to the account and with the understanding of moving forward with past-due amounts being spread over a set time frame onto the existing mortgage payments as inclusive of the monthly mortgage payment increase with future mortgage payments. The total due as of today is {$17000.00}. 

Moreover, I am trying to obtain information from Ditech so that this matter may be expeditiously resolved. I have made Ditech aware and reiterated information that they already have where they can send information inclusive of XXXX XXXX , phone numbers ( secondary contact person, etc. ) along with e-mail. Thank you for all your assistance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
FICO score modeling done by TransUnion and provided by XXXX  XXXX XXXX and others is flawed because it penalizes someone -- and says that it does -- for NOT having non-mortgage loans. My score dropped 11 points last month, from XXXX to XXXX. Here is a copy and paste of their bizarre explanation/justification, which makes absolutely no sense to anyone with 1/2 a brain : " Congratulations! You have an exceptional FICO Score, with minimal impacts from the information below. Keep up your good financial habits! 

Lack of recent installment loan information FICO Scores consider recent non-mortgage installment loans ( such as auto or student loans ) information on a person 's credit report. Your score was impacted because your credit report shows no recent non-mortgage installment loans or insufficient recent information about your loans. 
Keep in mind : In general, people who purchase with an installment loan, and pay back the loan on time tend to demonstrate the ability to manage a variety of credit types. However, a new account opening, and to a lesser extent the credit inquiry associated with applying for a new account, may demonstrate higher risk in the short term. 

I don't even have a mortgage loan -- and haven't in 3 years since my mortgage was paid in full -- and my credit cards are paid in full automatically every month ; my 12 year old car was paid in full 7 years ago ; and if I wanted a new car now, I would pay cash for it because I don't have a need and don't want any bank to make money by lending me money. So why -- because I don't have an " an auto or student loan '' should I be penalized for this? Their modeling and the assumptions they make simply do not make any sense and are unfair to me and probably a whole lot of other people who don't take the time to complain to you. There is no justification for them to simply throw the entire population into the same box and form their reports for everyone using the same, very generalized criteria.

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 2019-10-07
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for an Exxon Mobile Credit Card because I had the rewards card. When I completed the simple application, I immediately was sent a request to call the 800 number. when I called the number the CS rep requests my phone number. I gave it and she asked if I had any Citibank cc. I said no but being that it is a cellphone the number could have been recycled. She told me we can not use your phone number, I asked why and she said I can not reveal that information. I told her that didn't make sense because I answered your questions. She then stated I was declined. 

I told her that was totally biased and credit should not be on the premise of a phone number. Now my credit has gone down and I want them to remove the request as a hard inquiry for being nondescriptive and dismissive about a phone number.

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 2020-05-11
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, I requested Citibank close my checking account. They confirmed they would do so ( see attached image of chat transcript ). They DID NOT follow through with the request and then charged me a FEE on XX/XX/XXXX. Now they are REFUSING to close my account due to the overdrawn fee that was charged AFTER they said they'd close 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 2017-11-17
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
We are awaiting response to claim # XXXX this information is readily available in your files why the delay? 

Please provide the person, persons, and/or department for a direct contact and agent/representative for XXXX XXXX XXXX XXXX XXXX the alleged creditor of the subject " note '' being " the Equity Line Agreement and Disclosure Statement ".

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 2021-09-20
Company: HYUNDAI CAPITAL AMERICA
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: Account information incorrect

Complaint:
On XX/XX/XXXX. I finished paying off my car loan loan to Kia Motors Finance. After I received the paid in full letter and the title for the vehicle. Kia Motors Finance continued to call me demanding additional money. After I paid my car loan off in full. The amount representative from Kia Motors Finance demanded was {$1400.00}. When I refused Kia Motors Finance started to put false information on my credit report. They stated that the {$1400.00} was a " charge off ''. On or about XX/XX/XXXX. I notified the State Of New York Office Of The Attorney General, file # XXXX to step in. An help resolve the matter. After a brief investigation Kia Motors Finance admitted that I showed proof of payment. However they refused to stop falsely reporting too all three credit reporting agencies. Kia motors Finance has severally damaged my credit for the past three years and still continues too do so. They attempted to extort me of funds and have damaged my reputation. They have caused me great lose and the ability to purchase a new home, etc.

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 2018-08-11
Company: BARCLAYS BANK DELAWARE
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I submitted a dispute to Barclays Bank Delaware due to a fraudulent account being opened by a prior employee which gained access to all business and personal financial information. Included was a report I filed with Identitytheft.gov, Credit reporting companies that currently had the information on file and a dispute letter written explaining the details of the identity theft. On XX/XX/2018 XXXX responded in a letter stating " We believe the information is accurate '' and are reporting the account as " charged-off-sold with a {$0.00} current balance. I would guess the information would be correct beings I was a victim of identity theft. Please help resolve this issue. This is illegal, not fair and is currently affecting my financial stability.

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 2018-02-01
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: Old information reappears or never goes away

Complaint:
Equifax had my credit scores up to XXXX and above as of XX/XX/XXXX and that score was consistent with my scores at XXXX. XX/XX/XXXX, my score went down by almost 200 with Equifax while my scores with XXXX still at XXXX. My credit profile if nothing else improved in XX/XX/XXXX and nothing derogatory happened. All this while Equifax continue to publish wrong opening dates of accounts in my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: Receivables Performance Management, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XX/XX/2019 RECEIVABLES PERFORMANCE had placed a collection account on my credit report for {$12000.00}, as original creditors are XXXX, which I never made any business with XXXX at all, I have called them on the same day to figure out what's this about, they gave me the wrong social security number does not even belong to me, and I have asked about any paperwork from XXXX to be sent to me but they refused to even discuss that and she hung up the phone soon I start to ask about my right to get any paperwork from them or from the original creditors, I have called them a few times after asking for the same thing and they still refuse even to talk to me, that's illegal act and it's destroying my financial life I made contact with the original creditor ( XXXX ) they gave me wrong personal information about who has the account such as social security number, address when I called the collection company again to tell them about what happened with XXXX, that's they reported to the wrong person they hung up 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 2020-12-16
Company: Experian Information Solutions Inc.
State: CA
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 am writing to dispute the inquiries referenced below and demanded verifiable proof bearing my electronic signature. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. This action was initiated without any proof from any of the companies reporting. These inquiries are not accurate since I never authorized them. The FCRA requires Credit bureaus to follow up and investigate those inquiries in question and remove. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act sec 604 as well as a violation of my rights to privacy. Please contact the listed inquiries and investigate such occurrence and remove immediately for non-compliance. Under the laws of the FCRA, Experian is required by the FCRA to follow up with the creditor.

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 2021-09-20
Company: EQUIFAX, INC.
State: DE
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 submitted disputes and an FTC report for fraudulent accounts on my credit report. These accounts have not been deleted. 

XXXX & Equifax : XXXX XXXX {$120.00} XXXX XXXX {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I recently contacted Equifax and also filed a previous complaint with Equifax back in the beginning of XX/XX/XXXX the company told you that they were working on getting back in my account and also having it to where I could access my credit file online with my confirmation number. I was required to fax the disputes department my personal identifying information to remove wrong and inaccurate name and address from my credit file. I did that and they removed it but on XX/XX/2018 I received an alert where the information has been reinserted. I tried to go online and here again Equifax has blocked me from seeing my credit report online. I am unable to dispute anything online or even see my credit file for that matter. After trying for the 10th time in two months to access my file online I get the same error message that says the information you provided does not match our records. When I clearly gave them everything they asked for which was my social date of birth and address. Yet and still I am unable to get on my report. There are several address that I have told them and sent proof that I have never lived at those places and one of the addresses are actually not even a real address and yet it keeps reappearing back on my credit file. Every time I call them they tell me that only one address is showing but on my XXXX XXXX all of the unknown addresses are continuously listed on my credit report. I can't understand why they have me fax in proof of identity when they are still going to let these companies report erroneous information on my credit file. I have told them several times that my file was merged years ago and they still yet let this stuff be placed back on my file. I can not really understand how you all continue to let these companies get away with this. There are so many bad complaints and reviews on this company but yet there is nothing we can do about this and these are the companies that have access to our files.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 contacted the bureau and the companies concerning inquiries on my report that doesn't belong to me. Here are the inquiries : XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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 2018-09-20
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:
The following companies checked my credit on those dates and I do not recognize them or can acknowledge. 

On XX/XX/2018 XXXX On XX/XX/2018 XXXX XXXX On XX/XX/2018 XXXX XXXX XXXX XXXX   On XX/XX/2018 XXXX XXXX XXXX On XX/XX/2018 XXXX XXXX XXXX On XX/XX/2018 XXXX XXXX On XX/XX/2018 XXXX On XX/XX/2018 XXXX XXXXXXXX XXXX On XX/XX/2018 XXXX  XXXX On XX/XX/2018 XXXX XXXX XXXX On XX/XX/2018 XXXX XXXX On XX/XX/2018 XXXX XXXX On XX/XX/2018 XXXX   On XX/XX/2018 XXXX On XX/XX/2018 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 2018-03-17
Company: EQUIFAX, INC.
State: MS
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 just ordered copies of my credit report with XXXX due to identity theft against my credit, and late payments for XXXX XXXX XXXX XXXXXXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX, never late XXXXXXXX XXXX ( not clearly stating the late payments ) and never late XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX XXXX Credit bureaus dont consider a payment late until it is 30 days past due, however these are showing late on my credit report past 30 days which is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my debt, this is my father 's. I disputed this last and it was taken off but this year its was declined. Please stop putting this on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2018, my grandson requested {$350.00} thru cash app. I accepted the request and sent the funds. An unauthorized person hacked my grand son 's account for {$250.00} and then {$100.00}. Cash app kept telling me to refer to his bank to verify where the funds went. My grandson is XXXX y/o and does not have a bank account. After 37 emails, cash app refused to give a refund and could never identify where the money went.

Company response to consumer: Closed with explanation