BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-19
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: Account status incorrect

Complaint:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I was in forbearance status with XXXX and it has been reported that I had late payments on these dates. This info is incorrect as I have contacted XXXX directly and was told that this info wouldn't be reported as late payments initially. Once I saw that this was reported despite the conversations that had been held I began to reach out to them direct with no changes to my report. I have since cut ties with XXXX due to this issue and consolidated my loans w/ another Student Loan company. My XXXX balance has been paid but the late reporting is still showing on all my credit reports.

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 2018-11-08
Company: Convergent Resources, 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:
This debt is reported in my credit report and I had no knowledge of it. It does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: CL Holdings LLC
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: Account information incorrect

Complaint:
Jefferson Capital Systems , LLC XXXX XXXX XXXX. XXXX XXXX MN XXXX On XXXX XXXX, 2017, Jefferson Capital Systems LLC. added a derogatory mark on my credit profile per XXXX XXXX in the amount of {$2900.00}. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt creditor did not verify collection. Also, there was NO written form of communication for contract or signature for the accused debt at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened my savings account online bc the rate was Heavily advertised as 1.50 %. The day after my account was opened the rate was lowered to 1.30 %. Total bait and switch situation. 

Opened / funds available XX/XX/XXXX Rate lowered XX/XX/XXXX Telephone banking agent was nice. Explained rates can be adjusted. I understand that but not the day after the account was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: CAINE & WEINER COMPANY, INC.
State: WI
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:
XXXX XXXX XXXX was removed from my XXXX XXXX account for fraudulently reporting. This was included in my bankruptcy in 2013. This should be removed from XXXX AND XXXX as well. 

The file attached shows XXXX XXXX removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: EQUIFAX, INC.
State: LA
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 been a victim of fraud. I have sent multiple of letters to Equifax to resolve this problem ; but the problem still not fix after three ( 3 ) months. I have sent a copy a police report with notarize documents to support my claim. I also sent copies of my drivers license, a utility bill in my name and my social security card. Equifax is not working to resolve my problems. I want these fraudulent accounts remove off of my credit reports. By law according to the FCRA I have rights and I will exercise my rights to get a lawyer if this problem is not fix within the next 30 days. I have ask for physical verification from these companies three months ago and still haven't receive anything. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original sign consumer contract- any of the accounts you post on my credit report. I demand to see proof. Also according to the FCRA it's against the law to report inaccurate information on a consumer credit report. I have notified Equifax on numerous occasions. I contacted Equifax on these specific dates XX/XX/2018 - XX/XX/2018 - XX/XX/2018. The fradulent accounts that's still showing up on my credit report is ( 1 ) XXXX-acct # XXXX ( 2 ) XXXX XXXX XXXX acct # XXXX ( 3 )  XXXX   XXXX.-acct # XXXX ( 3 ) XXXX-acct # XXXX ( 4 ) XXXX-account # XXXX ( 5 ) XXXX XXXX-acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
After sending information to verify myself with my disputeson XX/XX/XXXX and XX/XX/XXXX, XXXX, XXXX, & Transunion have not investigated or responded to disputed items on my credit report. They have violated the FCRA 30-day-to-respond regulation.Transunion finally responded XX/XX/XXXX but still in gross violation of FCRA regulations ....

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 2018-08-28
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX XXXX on XX/XX/XXXX is showing 4 times on my Experian credit file for web loan with different PO Boxes and address. I have not applied nor no this company. I have also opt out since XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX opt out of sharing or any promotions and this should not be showing on my credit file. Experian is violating my rights after mailing them an opt out and selling or agreed with XXXX XXXX XXXX I also want to seek damages on Experian for allowing this to happen. I also want damages from XXXX XXXX XXXX there deceptive practices. 
Experian Report # XXXX for XX/XX/XXXX page 14 of 16

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01
Company: Western-Shamrock Corporation
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
XX/XX/XXXX : Received monthly statement and learned the credit card company reduced my limit to be very close to amount owed. Two weeks after the limit reduction I received a letter dated XX/XX/XXXX Advising the action taken with a general reason. This impacted my credit score with a 40+ point reduction. 
XX/XX/XXXX : Once again this credit card company reduced my limit down to the amount I owed with no prior notification of pending adverse action. The letter was dated XX/XX/XXXX and advised the action was taken due to number of inquiries on my credit. 
I have 2 cards issued by this bank. This is the only one they deem to be a risk. The company continues to impact my credit score in a negative way for no reason. I have a 100 % payment history with all of my cards including the ones issued by Barclay Card. After the limit decrease on XX/XX/XXXX I sent payment in full for the account. My cycle date had been the XXXX of the month since opening the card a few years ago. I check all my accounts regularly and I expected this account to cycle on the XXXX of the month to report to the agencies and to give me my final interest. I check the account on XX/XX/XXXX and it had not cycled. I called the company to determine what the issue was and they advised that my cycle date had been changed by a web user to the XXXX. I did not change it. In fact it would have caused ( and did XXXX more issues to change the statement date. When I called to have them correct this they told me they couldn't. 
I am a small business owner and have many cards with substantial limits. My credit will have more than the usual inquiries due to this fact. If this company would have followed standard guidelines and informed me of the upcoming limit decrease I would have had the opportunity to pay the account before it adversely affected my credit. When I called to express my concerns they advised that it was the risk program they had in place and the decision would stand. Not only have they hurt my credit score multiple times for undue cause they are unwilling to correct the issue. This 96 % usage of a single card will remain on my report until XX/XX/XXXX at the earliest causing an undue score drop for an extended period for the second 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 2019-05-23
Company: Southwest Business Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced with SWBC in XXXX. The annual escrow disclosure statement came to us around the same time that our loan was sold to XXXX in XX/XX/XXXX. That is when we learned that our escrow opening balance was a negative {$1200.00}, rather than a positive {$1900.00}. As a result of my investigating as to why the escrow account was in the negative, I found out that a " pre-paid '' check of {$1600.00} that was intended for a 1 year premium of homeowner 's insurance was not sent -- and that SWBC took this premium from our escrow account instead, therefore making the account short. Since then, I have sent 12 emails asking where this check is. I have also called many times and spoken with supervisors, XXXX XXXX being one of them -- to no avail. I have called and spoken with XXXX numerous times explaining that what had happened, and I needed time to resolve this. In the meantime, I have been sending the original {$1400.00} payment each month, including the {$390.00} intended for the escrow account. XXXX has now sent a letter saying that they have alerted the credit bureaus and returned the last mortgage payment, less the escrow account monies, saying that they don't accept partial payments ( because I didn't send the extra monies to bring the escrow account up ) .Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: SUNTRUST BANKS, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2019, opened in XXXX XXXX, VA branch a personal and business checking account. At the time of account opening, I provided the banker with a promotional code for personal account that give {$250.00} for new account and {$200.00} for new business checking account. At this time, I also received an email asking me to create a log in for the ability to check the status of meeting the requirements for the bonuses. Shortly after, in early XXXX, I checked the status of both bonuses and noticed that despite meeting the requirements none of the check marks indicating same were noted. I then sent a secure banking message to SunTrust to inquire about my enrollment and received varied responses, that to some end stated that the accounts were never enrolled in the promotions, despite having provided the promotional codes at account opening. The two codes provided are XXXX ( business promotion code for {$200.00} ) and XXXX ( personal account promotion code for {$250.00} ).

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 explanation
Consumer complaint received 2018-03-07
Company: Capstone Credit & Collection, LLC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Im writing you to dispute an account fraudently opened in my name without sign any document that prove it. I will report this fraud to every single consumer federal agency to escalated this matter if i need it. XXXX XXXX XXXX is violating every single consumer law and they know it. Im also a victim of identity theft of XXXX, XXXX, state ID and my social security has been compromised. According to federal laws they are required to provid undeniable proof that this account is valid with documents such as court judgments, citations from court etc. Supporting my position. Please reinvestigate this matter to correct the disputed item as soon as possible. A fair resolution to this issue would be a complete deletion of this negative trade mark being reported to all major credit agencies. Thank you for your assistance. 

Date reported : XX/XX/2018 collection charge off, last four account number XXXX, amount {$5900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Called multiple times to stop reporting to the credit bureau agencies. Accounts is settled and needs to be updated on credit report. Accounts were settled in XX/XX/2021 and XXXX is still reporting account as no paid. Please remove account from credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Please remove any and all fraud alerts from my name and credit report immediately

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 2019-05-23
Company: John C. Heath, Attorney at Law, PLLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
My husband received a call informing him that he could buy a home with no money down if he signed up for XXXX XXXX credit repair. We were told that if we paid a fee and worked with XXXX XXXX   we would receive a number to view listing s for rent to own homes Once we signed up we never received any additional information.We were ran around from one call to another transferred over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/18 I received a misunderstanding a report of {$92000.00} by a debt collectors of " Transworld Systems Inc for XXXX merchant company which I called denied it.I find out if I contact you, you can help understand that situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: ASG Solutions LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
They called my phone number repeatedly. I did not identify myself as the debtor and they threaten me by saying Im going to be in hot water if I dont deliver a message. And that they will file charges against me being a third-party. I called them back to try and figure out who they are since I am a debt collector by trade. They refused to give me the address when I asked and refused to identify themselves three times I finally called back a fourth time was able to obtain the address. And they call from a fictitious number - that is very similar to mine where I live however they are located in XXXX XXXX New York. They call the company name ASG, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX I received a mailed statement from XXXX XXXX stating my loan was past due. The past due notice was my first notice of any payments even being due on the loan. The past due balance was {$280.00} and the current amount due was {$140.00} suggesting I had missed two payment, again, payments I was never aware were due. I called the company asking about options for pushing back the past due date so I could verify the loan was in fact mine since I have no promissory notes on file for it. I was told no and that I had been notified by email as well about the bill. I, in fact, never received anything by email about the bill. I searched my inbox, junk mail, etc. The email from Heartland was on XX/XX/XXXX, which is copy and pasted at the end of this statement but says nothing about a bill and is rather quite cryptic. 

I have two primary grievances. One, Heartland needs to send a statement just like every other company saying a bill is owed in advance. Two, I was charged late fees, which I would like removed since I had no opportunity to make the payment on time. I also think for a company that can have so much negative influence on a person 's bottom line, credit score, etc, these surprise bills can not be allowed to continue. 

XX/XX/XXXX Email We are notifying you that your contact information has been recently updated for XXXX XXXX XXXX / XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I am filing this complaint because XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. Being that they have gone past 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are required to ... promptly delete all information which can not be verified that i have disputed. Please resolve this manner as soon as possible. Thank 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 explanation
Consumer complaint received 2018-11-08
Company: EQUIFAX, INC.
State: HI
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 disputed the late payments on XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX reported duplicate on my credit report ), XXXX XXXX XXXX  XXXX XXXX, XXXX/XXXX  XXXX, XXXX/XXXX  XXXX, and XXXX XXXX   XXXX accounts with the credit bureau. I requested for investigation procure which they did but did not get a response..Not only that, they refused to reverse the late payments. They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Self Financial Inc.
State: IL
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:
MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). Self Financial, Inc. violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 usc 1692j ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: Experian Information Solutions Inc.
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 had to check that one option because my complaint was not listed. On XX/XX/2019 I applied for a credit card with XXXX XXXX. I agreed to pull my credit report but they pulled it twice on the same day which put 2 inquiries on my XXXX  credit report instead of 1. I tried contacting XXXX and was told I need to contact the credit reporting agencies. I tried to explain to XXXX  and was told I need to contact XXXX. I am submitting this complaint because having an extra inquiry on my credit report affects my credit score.

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