BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-20
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 information incorrect

Complaint:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX  2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX  9. XXXX XXXX 10.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 2023-06-12
Company: Experian Information Solutions Inc.
State: GA
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:
This complaint is in reference to Fraudulent information contain in my credit file. I have reached out to the credit reporting agencies via phone and mailing address. I was told the FTC report I filed did not contain account numbers for each item listed. This is my second attempt to have XXXX clear up this matter. Every time I contact the credit reporting agencies via phone they pull up a file that does not relate to me. I have to be transferred to special handling department. Please I need help with getting this matter resolved. I understand filing a FTC report will block, delete, remove etc the items I have listed.

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 2021-03-31
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:
There is one account on my credit report that is not mine it is Identity theft I have been writing disputes to all the bureaus regarding this they are not even working or looking at this. It is getting frustrating I opened an ftc for this it causes me great stress everyday looking at this on my credit. 

XXXX XXXX BANK - Acct # XXXX XXXX {$75000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
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:
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX CARD XXXX, XXXX  XXXX XXXX  XXXX XXXX Please eradicate the accounts mentioned..I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft

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 2019-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 need to change my address and phone number and everyone I try they give me the round around and it really makes me feel so sad that i want to sue guy for it the emotional distress Its my name my identity and I want to take care of it not have a lot of pinguess give me the round around and why not have some one who speak English the  ladys or man I talk to I did not understand her I dont understand s them! sincerely XXXX XXXX XXXX XXXX XXXX XXXX Wa 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 explanation
Consumer complaint received 2017-06-18
Company: U.S. BANCORP
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
US Bank closed my us bank altitude reserve card on XXXX XXXX, 2017 without notifying me. I did not found out till a couple days later when I tried to use this card for online purchase. I received an mail on XXXX XXXX, 2017, saying my card has been cancelled because I purchased gift card using altitude reserve card, and my points have also been forfeited.
US Bank is ridiculous to do this. I called them but they were not willing to help. This is really the worse experience ever, and US bank is indeed the worst bank ever.

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 2018-07-20
Company: Phoenix Financial Services LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
PHOENIX FINANCIAL SERVICE says that I owe them {$440.00}. I do not know what this is and I have never had a contract with such company. I request some explination of such charges in detail because I do not believe this is mine. 
Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i am a victim of identity fraud. There are several accounts in my name that I have no knowledge of whatsoever. The accounts reported as 33 different accounts and are as listed : XXXX XXXX XXXX {$9900.00} open XX/XX/XXXX ; XXXX XXXX  {$6600.00} XX/XX/XXXX ; XXXX XXXX XXXX {$3500.00} XX/XX/XXXX ... there are several accounts reporting from XXXX XXXX XXXX/XXXX from the year of XX/XX/XXXX-XX/XX/XXXX. By law and statue of limitations, these accounts should not be reporting to my credit after 7 years. There are also several accounts reporting to my credit from XXXX XXXX XXXX/XXXX in amounts of {$2500.00}, {$3500.00}, and more. All accounts from this company are reporting from the years of XX/XX/XXXX-XX/XX/XXXX which  also defied the statue of limitations for debt collection reporting. There are accounts reporting from XXXX XXXX  from XX/XX/XXXX which should not be reporting. State of MI Office XXXX in the amount of {$6300.00}, this is a fraudulent account open XX/XX/XXXX. Theres a fraudulent Auto Loan opened from XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$31000.00}. There are multiple accounts reporting from XXXX XXXX XXXX XXXX /XXXX/XXXX opened in XX/XX/XXXX that also break the SOL.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: The Outsource Group, Inc
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX @ XXXX I XXXX XXXX called XXXX, XXXX in response of my dispute, the letter read we received your dispute and need additional information and to respond in a timely manner. I spoke with a woman who told me that some accounts were not in dispute and I told her that all of the accounts in the office because I never received validation within the time allowed. I told the rep what I wanted and asked her name she refused and put me on hold for a long time then hung up..

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 2018-07-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX 9. XXXX XXXX 10.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: Louisiana Recovery Services Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
LOUISIANA RECOVERY SERVIce,XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , LA XXXX says that I owe them {$56.00}. I believe I do not owe such debt because at the time of my service I had insurance in which they did collect some of the money from the dental claim. However my insurance covered everything. I do not understand. I want some details on such claim. 
Thanks in advance

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 2018-07-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Since XX/XX/2018 every week I have deposited my payroll checks in my checking account at USAA Bank and the Bank has not given me full value for my deposits. Each payroll check that I have deposited, USAA Bank has put on hold about one third of my payroll check for 7 calendar days without a valid reason. I believe that USAA Bank has put my checking account on a so-called blacklist ever since I made a complaint to the CFPB a few months ago. USAA Bank has no valid reason to put a hold on my deposits that comes from a US company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: Experian Information Solutions 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:
On XX/XX/2020 over 30 Days now when I submitted the letter and documents for an unknown and inaccurate account. I was a victim of an XXXX  data breach. Immediately delete those accounts or I will file litigation.

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 2018-07-20
Company: KEYCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a letter from Key Bank saying that my account will be closed because my account relationship poses excessive risk to the bank. I called them and asked what this letter means by my relationship posing excessive risk to the bank. The customer rep read off the exact same letter I received and said that's why. I was calling to get more explanation in regard to excessive risk of my relationship to the bank and they did not tell me more than what the letter says. I requested to speak to his supervisor to get more information because he was not being helpful for reading off the letter. The rep told me that he was the highest level I could speak to and get information about this letter. I strongly believe that Key Bank needs to tell me why my account will be closed and provide a thorough explanation. They can not treat customers however they want and they need to abide by certain rules and regulations. I don't know if they discriminate me or under what ground they decide to close my account. However, I deserve an explanation than just accepting the fact they arbitrarily closes my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18
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:
XXXX  have reached the statue of limitations on this alleged debt. It has been more than 7 years since this account has been opened. The loan was allegedly originated on  XXXX / XXXX / 2006 . 7 years has transpired since, therefore according to FCRA, this needs to be removed from my file from All credit reporting agencies ;  XXXX , TransUnion, and  XXXX . This is  Zombie Debt ; and is illegal to report according the the FCRA. I want this item deleted from my file 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 2020-12-07
Company: Absolute Resolutions Corp.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company by the name of Absolute Resolutions INV is stating that I owe a collections " debt '' that is unjustly being attributed to me which is extremely disturbing. I believe this is affiliated with a XXXX  office that I went to back in 2016 called XXXX XXXX + XXXX in ( XXXX, Arizona ). The lead XXXX  of this office stated verbally to me that my insurance during my time of employment with a company called XXXX was 100 % in network and accepted meaning there was no out of pocket cost from myself required. When I switched employers I started to receive phone calls saying that I owed a debt which was baffling to me being that my insurance was 100 % accepted which was impossible. At this point evidently I was lied to by the head XXXX  running the office which is very unjust and disturbing to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: EQUIFAX, INC.
State: LA
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:
XXXX Bank XXXX XXXX my debt to XXXX XXXX. This debt was paid in full on XXXX/XXXX/XXXX. Both XXXX and XXXX show on my credit report as negative. XXXX agreed to remove the debt from reports once paid in full. I have called them multiple times since my XXXX payoff and they are telling me that they have done what they need to do to remove and it 's out of their hands. I have filed disputes with all 3 credit reporting agencies and they say the information is correct. 
XXXX tells me that when they sold the debt to XXXX their negative reporting should have been removed. Again, I have filed disputes with all 3 agencies and am told that the information is correct. Meanwhile XXXX and XXXX say that they have done all the were supposed to do to have removed. 
No one is taking responsibility. 
I would like both debts removed from all 3 agencies report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Specialized Loan Servicing, XXXX ( XXXX ) has a XXXX XXXXe on my home XXXX XXXX XXXX XXXX CA XXXX and was XXXX in XXXX XXXX  XXXX on XX/XX/XXXX. XXXX, XXXX was included in the XXXX and the debt was XXXX with the XXXX. XXXX, XXXX. I have made XXXX aware of this and they have ignored the information I have tried to share with them and have proceeded to move forward with the foreclosure process. I need assistance to have this process stopped. XXXX will not listen to me when I try to talk them. I am XXXX XXXX XXXX and can not afford to lose my home. I made every payment on time on my first mortgage since XXXX. I have reached out to XXXX XXXX with my first mortgage in XX/XX/XXXX to try to refi my XXXX mortgage into the XXXX loan to stop the foreclosure process and buy myself more time to get a lawyer to get SLS to listen to me and look at the documents I have showing that the debt was charged off and discharge in XX/XX/XXXX. My XXXX XXXX XXXX XXXX XXXX started my refi in XXXX and strung me along telling me that the loan is almost finished and just need XXXX more step in underwriting to go and will be signing docs soon. On XX/XX/XXXX XXXX XXXX loan XXXX informed me that he could not complete my loan as promised. The loan agent with XXXX XXXX informed me that I do not need to make mortgage payments for XXXX and XXXX because those payments will be wrapped up in the new loan. Luckily at the XXXX hour on XX/XX/XXXX I had a terrible feeling that i needed to make a payment so I did. Kept my flawless payment record with my mortgage company although I had been given the wrong advise. PLEASE HELP ME KEEP MY HOME

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 2018-07-20
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I took out a synchrony bank credit card to pay for a medical service, in the amount of {$5000.00}. in XX/XX/2017. The agreement was that if it was paid off within a year you wouldn't be charged any interest. Unbeknownst to me I must have inadvertently signed up for a card security program. Since I have other credit cards I've always relied on my credit cards to be secure. Thru XXXX XXXX they charged me {$400.00}. in 7 months to keep my credit card secure!. When I realized what they had done they did refund me the $ XXXX.but I'm very concerned for all the other consumers that are unaware of this predatory practise of charging one an enourmous amount of money to keep your credit card secure. I did pay my credit card off early so had no other charges and have closed my account. I will never do business with XXXX XXXX again.

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 2018-03-29
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had run into financial hardship which in turn I settled the PenFed XXXX  and PenFed XXXX XXXX credit card. The amount of the settlement amount was to be a confidential amount.

PenFed is not reporting the information correctly to the credit bureaus and as of XX/XX/2018 show conflicting information across XXXX XXXX   XXXX, and XXXX. This is negatively impacting my credit score.

In addition, they are reporting how much the settlement amount was for paying the accounts for less. I realize they can report that the accounts were paid for less but they are reporting that I owe the full amount and am still late and they have in the last two months incorrectly reported the information and changed the information slightly each time damaging my credit.

I do not have a XXXX XXXX  or XXXX account with them after paying them in full via a settlement agreement.

PenFed has been contacted and at this time this has not been corrected. I would have suffered and paid a settlement agreement for my mistakes but that doesn't allow them to report bad data and continue to harm 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 2018-07-20
Company: VALLEY NATIONAL BANCORP
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Valley National Bank is charging me a late fee of {$65.00} because I made the remaining balance of {$33.00} two days late, which was the balance for the annual escrow adjustment. Bank employee left a voice message on the XX/XX/XXXX without any details and never called back when I left a voice message trying to find out what the initial message was for. When I called back again he informed me that the {$33.00} balance was received but I now have a late fee to pay. I requested that the fee be waived or lowered since the fee is almost twice the amount of the {$33.00} balance. He was unwilling to help. 
I believe it is unfair for a bank to charge such a large late fee when the vast majority of the monthly balance was paid ( {$1900.00} old payment compared to {$2000.00} new payment with escrow adjustment ). The mortgage payment statement only stated that the " if payment is received after XX/XX/18, {$65.00} late fee will be charged ''. My payment of {$1900.00} was made on XX/XX/2018 and the {$33.00} was made sent from my bank on XX/XX/2018. It does not indicate that if the payment was not received in full that the late fee would apply. 
Overall, this is poor customer service. If I did not follow-up with the employee. I would be incurring additional late fees for not knowing the first one was incurred. I hope they review their banking practices and treat their customers more fairly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-18
Company: TRANSWORLD SYSTEMS INC
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notification from the credit bureau that there was a delinquency on my report from Transworld Systems Inc in the amount of {$51.00} with no associated date. I received NO communication from this company about any alleged debt. After investigation, I discovered that the alleged debt was to be collected for XXXX. I spent about an hour on the phone with XXXX and was assured that my account was in good standing and they had no knowledge of any debt or debt collectors associated with my name or my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: LJ Ross Associates
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 belongs to someone else

Complaint:
There are 2 fraudulent collection accounts on my credit. LJ ROSS AND XXXX. I didnt open these accounts nor did I authorize anyone to open these accounts on my behalf. Please remove these 2 fraudulent accounts from my credit

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation