BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-29
Company: Experian Information Solutions Inc.
State: MO
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's a whole other name " XXXX XXXX, XXXX " and unauthorized accounts attached to my credit data / file, and I'm demanding that this other name inwhom is not mines and these accounts are removed immediately. As a consumer I'm entitled to consumer rights and protection against the 3 major credit bureaus as stated within the FCRA. I'm also demanding that all the addresses on my credit report be removed, all except the one that's on my id see the attached. Again please block the unauthorized name and these accounts on my report. 

1 ) XXXX XXXX XXXX ... XXXXname 2 ) XXXX XXXX XXXX {$3200.00} 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX 5 )  XXXX XXXX XXXX {$4200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-22
Company: BANK OF THE WEST
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have an RV loan with Bank of the West, and for 10 years I've been trying to get them to send a monthly statement to me, but each time I call they say " they are working on getting monthly statements set-up ''. I do not receive any statements from them at all. I have to put a reminder each month on my calendar to remember to pay - - I never know if they receive it, if I've incurred any credits/ late charges/ or how much I still owe. They encourage me to call them each month 10 days after I've sent my payment to make sure it has been credited, and then they can give me any information I need. This is not an easy task each month as the average call waiting time is 45 mins.. They do have on-line banking, but they blocked my account from accessing my own statements because of a bankruptcy that I had 11 years ago. I feel Bank of the West denying me my own account information ( expect by calling in ) and not providing me monthly statements unlawful. I'm unable to provide any documentation due to never receiving any????

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 2018-01-08
Company: SYNCHRONY FINANCIAL
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:
requested XXXX close XXXX XXXX XXXX, great effort required due to telephone conversations and language challenges, XXXX XXXX XXXX did not follow through closing the account because it was attached to an XXXX XXXX account or something like this, the reason they did not follow through is unclear, an additional charge was placed on the account afterward. The account was still open and we had to call again to close the account, again with great effort and insistence.

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 2022-01-15
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 am Demanding a re-investigation with XXXX account # XXXX that is listed wrong on my credit profile this account has the wrong balance and has been paid in full. This account is not accurate error please delete. FCRA 611 ( 15 U.S.C. 1681I ) The account is settled in full and need to be removed the information is incorrect 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 2018-01-08
Company: CORELOGIC INC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. NJ XXXX Phone # XXXX paid the taxes on the wrong property i have been dealing with them for almost 3 months i have showed them the correct tax documents from XXXX county tax office. Every time i call i get a different answer and they tell me they are trying to get it all straight. But the tax office told me that they still have not received a request for a refund and no attempt has been made to pay the correct tax. They paid taxes on XXXX county tax account Number : XXXX, in the amount of {$1100.00} when they should have paid the taxes on Account Number : XXXX in the amount of {$24.00}. as you can see that is a big difference. They paid the taxes correct on my house but not on the lot beside it. And now the county is telling me that if they do not request a refund by XX/XX/XXXX the first they that the county will not refund the money. Can someone please help me. I just want them to get my money back and correct there mistake. and fix my account they raised my house payment because they paid the wrong taxes and think that that 's what my yearly taxes are.

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 2022-01-15
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT
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:
We have had this XXXX for a couple years and recently ( XX/XX/2021 ) were switching our XXXX from our XXXX account ( personal ) to our XXXX account ( business ) - we knew it would potentially interrupt our existing XXXX process with XXXX so when they called to let us know our payment had been returned we immediately paid both that month and the next month payments to make sure we did not have any issues moving forward. When they called we asked them repeatedly if the account was past due and would be reported as past due - they said that the account was current and that no derogatory information had been or would be reported to the credit bureaus. So you can imagine our surprise when we got an alert through XXXX that our score had been dramatically impacted by a 30 day late reporting. We knew the information was inaccurate and reached out to XXXX who said to contact their dispute department- which we did and left a message - no response - so after a month we finally had a friend suggest we submit a dispute through XXXX to XXXX, which we did. After 20 days they processed it and made NO CHANGES to their reporting even though we provided all the information we could. This incorrect information is drastically impacting our finances, ability to refinance, purchase a car that will fit our XXXX ( now XXXX people ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have received a forbearance and XXXX has still reported that I have lates on my credit report from XX/XX/XXXX through XX/XX/XXXX My loan was in forbearance at the time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: Reverse Mortgage Solutions, Inc.
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2017 my home had a water damage loss. Reverse Mortgage Solutions received the first insurance company payment in XX/XX/XXXX and a second in XX/XX/XXXX. They did not send payment for repairs until mid XX/XX/XXXX. They sent 30 % and told me the balance would be sent after repairs are completed. How can they expect 100 % completion with 30 %? Also the water damage invoice from XXXX has n't been paid. They completed their work in XX/XX/XXXX and now are threatening a lien on the house. RMS has asked for and received multiple copies of documents requested but keep saying that they do n't have them and then saying they need more documents and signatures they did n't ask for initially. Their delays have resulted in additional damages ( mold ) and additional living expenses. I have spoken with multiple people multiple times and never get the same answer twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: AmeriCollect
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX americollect keeps calling from different numbers. However, this is a medical debt I thought you could not put on credit report for derogatory remark. Ive tried opening tickets to resolve but keep closing tickets

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2017-07-29
Company: CCB Credit Serivces, Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
ON XXXX AND XXXX 2016 SOMEONE TRIED TO TAKE OUT CREDIT CARDS USING MY NAME BUT WAS UNSUCESSFUL SINCE THEN I HAVE NUMEROUS AMOUNT OF HARD INQUIRIES ONLY IN XXXX AND XXXX 2016. I HAVE SINCE THEN FILED A POLICE REPORT ABOUT THE SITUATION. I HAVE CONTACT THESE COMPANIES BUT HAVE GOTTEN NO RESPONSE FROM THEM EVEN THOUGH I HAVE A IDENTY AFFIDAVIT AND A POLICE REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: EQUIFAX, INC.
State: MD
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I couldn't find the specific indicators to move forward with my complaint, so I choose those as close as possible. 
I had a mistrust of Cooling and Winter prior to settling my XXXX XXXX XXXX credit card lawsuit with them, due to the information I read about them and how they handled their business/treated their customers. During the time prior to the agreement, I was able to get in contact with someone from Cooling & Winter,  after the agreement, that has not been the case. I have been sending my payments by money order, but have not been able to get an email/proof that the payments have been received, because I can't get in touch with anyone to return my numerous calls that I have left on their answering machine. I also want a balance remaining update to insure that our information is the same. The last two calls for example were XXXX XXXX on XX/XX/19. I left a message at ext. XXXX which was supposed to be XXXX XXXX ( I don't even know if he's still employed there ), but I have not received a call back. Another call was made XX/XX/19 @ XXXX XXXX I spoke with a representative named XXXX XXXX. She asked for my name and didn't seem to be able to find my account. I the gave her the case # /number I put on all money orders with my identifying info when the payments are sent, and she still didn't seem to be able to pull up an account. She finally said 'Hummmmm. hold on for a second ', then before I knew it I was listening to another phone ring. The answering machine was for someone whose last name I made out to be XXXX. I left a message for him, but he never called me back either. I have an answering machine so that if they were to have called back and left a message, I would know. This company has some of the worst customer service and non responsiveness that I don't see how they have not been sued again by the CFPB. I know I can't be the only person the be having issues with this company. I just need simple verification, so that when I finish with this claim, I have proof in the form of a letter from them hat it has been paid so that I won't have any issues in the future. If their bookkeeping is anything like what I have been confronted with, I can't imagine trying to get any proof of anything in the near or extended future.

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 2022-10-04
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$840.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$920.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2019-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 have disputed inaccurate information on my credit report. I submitted letters to each of the credit bureaus and I only heard back from XXXX. However, XXXX didnt send me my results. It has been longer than 30 days.

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 2018-01-08
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX. It was not signed by anyone, but stated that it was to collect a debt and that if I needed additional information, I should contact them. ( I did have a charged off account from XXXX XXXX XXXX in XX/XX/XXXX, which I tried to make arrangements to pay, but due to not having a job, they stated that I could not make payment arrangements because I could not show a source of income,,, even after I told them that most of the payments that had been made for the last 10 years of good payments were made while I did not have an employer. It was very frustrating to try to work out an arrangement and eventually failed, because I would not lie about income. ) The letter from C and W indicates a balance due of more than {$4000.00}, but the limit on that card was {$4000.00}. They state I should contact their office to make arrangements to pay the unpaid balance. ch The letter was dated XXXX XXXX, 2017 and they gave me 30 days to dispute the validity of the debt or any portion of the debt. It states that no attorney has evaluated or reviewed the circumstances of " my '' account, but that it is from a debt collector and an attempt to collect a debt. It is not signed by anyone, only Sincerely, Cooling and Winter. I not feel comfortable replying to or calling them. Is this a legitimate way to practice?

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 2022-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
related to XXXX They totally deleted me. supposdely because I did not tell them using my card in XXXX, a lie, when we set up account to was because we were oving to XXXX Spent XXXX hours on phone trying to get mr back to world of living., tried to sign in, NO GO, spent XXXX minutes on phone trying to get into account, finally goy back in. BUT... I know have XXXX WT unauthorized fro my account. Supposedly XXXX was a test to get me back to being alive, but now XXXX WT to a XXXX, that I never asked for, spent XXXX minutes on hold and then disconected cause they were too busy to be concerned about my little XXXX out of my account. Not fair, I am a person, I count, my little $ $ count to me. This is FRAUD!!!!!! I need help and I need somwone that is willing to stand up for me. I know you will always take their side, but who stands up for me, the little person who does not count??? Can't someone help me? Please, all I want is MY MONEY that I worked so hard for!!

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 2019-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My name is XXXX XXXX XXXX My complaint is in regard to XXXX XXXX and Trans Union. Dating back to XX/XX/XXXX I appointed A credit repair company known as XXXX XXXX XXXX to repair my credit, XXXX   automatically sent dispute letters. to me My job was to sign my name and then sent these dispute letters to Transunion, XXXX and XXXX.after I have been corresponding these dispute letters to all 3 agencies, However all 3 agencies have not been abiding by the law. In XX/XX/XXXX all 3 agencies responded and exclaimed that they could not identify who I was. This was not true because I enclosed copies of my drivers license, social security number, and a credit card bill. I hope you can contact all 3 companies and make them abide by the rules. if they need more info they should contact me at XXXX XXXX or XXXX instead of disposing of my letters with a redundant excuse. Your sincerely 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 2017-07-27
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Seems that Discovery believes that because I live in Michigan they do not have to follow the XX/XX/XXXX and XX/XX/XXXX federal court orders! I was told by them if I did not pay their illegal charges and their Illegal transfers of funds from one of their cards to the other and back that they would take my home and put me in prison<
Also When I ask about why I was not paid accordant to the XX/XX/XXXX court order that I was not a card holder! BUT now that they are taking me to court for not paying what I do not owe them I am!

Company response to consumer: Closed with explanation