BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-07
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 belongs to someone else

Complaint:
Please delete information off of my credit report that isnt mine. I have filed the identity report stating that these accounts are not mine and that my identity may have been stolen.I do not recognize these accounts and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.

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 2018-04-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
as of XX/XX/XXXX my XXXX XXXX credit card was reported paid in full and taken off by XX/XX/XXXX on XXXX and XXXX how ever on Equifax the account of XXXX is being reported as late and charge -off it can not be both its either paid in full or its a charge off i believe its paid in full and should be deleted this is the second complaint i have with equifax and are becoming quite tired if their illegal ways..they are not above the law ... the other reporting companies are telling the truth ..so why cant XXXX.. please correct this problem asap thank you for your time.. i have personally disputed this problem many times over but they change one little thing and say its been resolved thats not fixing the problem and i wont go away

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06
Company: DISCOVER BANK
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I am a XXXX veteran and for the past 5 years I have been getting phone calls from Discover, Discover Credit card, discover Credit, Discover personal loans, Discover Home loans. The names that they use go on and on. I have been hassled by them so may time it is hard to remember all of them. About 3 or 4 years ago I received a call from Discover Home Loans stating that they own my mortgage and I need to pay them with in 30 Days or they will foreclose on my home! I call my mortgage company and was told that it was just another scam by Discover to seal people homes and that they still own my mortgage! And a few times I would pay Discover Card on line {$100.00} they would try to get {$10000.00} from my bank! Computer error they claim!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: CAINE & WEINER COMPANY, INC.
State: AL
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:
XX/XX/2022 {$1800.00} the company is claiming i owe a hospital bill and i do not i told them i had a settlement with the attorney and they paid all the bill during a the insurance settlement so mits fraud and i told them to call the attorney office

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: EQUIFAX, 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 received an update from a credit monitoring application stating my file was updated on XX/XX/20. When checked it showed a hard inquiry from XXXX. I do not have any business with or give authorization to XXXX XXXX to obtain my credit report. I filed a dispute with equifax on XX/XX/20. On XX/XX/20 I received an email stating my dispute was closed on XX/XX/20 and Equifax somehow determined the inquiry was factual and would remain on my report. How can it be factual when I am reporting i gave no authorization for this company to obtain my report?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: Synergetic Communication Inc
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has sent several letters stating I owe a debt and they will offset my tax return if I don't pay them. I have not spoken with this company nor acknowledge any validity of this debt. I have been XXXX from the military for nearly 20 years and with my XXXX, the closure of my account at XXXX XXXX XXXX XXXX. These letters are threatening and concerning to my family and myself. Please take action as this is clearly a violation of the Fair Credit reporting act. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Sterling  Hill Financial
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I paid Sterling Credit Group on or about XX/XX/2019 to repair my credit. I told the lady that I have 5 things that needed to be cleared from my credit. The five things are : XXXX XXXX ( 30 day late ), XXXX Mortgage ( 30 day late ), XXXX XXXX ( 5 30 day lates ). I also explained to her what I thought were other issues on my credit reports. I explained that my husband recently died and I had taken care of him when he was XXXX  XXXX and trying to live on one pay check since his illness. Thats why I had the 30 lates. I also told her that I have two 30 day lates for my current mortgage with XXXX XXXX and one 30 day late with XXXX XXXX XXXX XXXX credit card which neither had not showed up on my credit report yet. I pay my bills every month. I also told her that I made the payment to my XXXX XXXX XXXX XXXX credit card but they told me that I didn't pay the right amount. They said that my payment was {$12.00} short and so that meant that I didn't make a payment at all. As of this date, all of those same items that I reported day one is still on all of my credit reports although I was told that the items would be removed from my credit reports. I emailed every credit report I ever received from all bureaus. Recently when I talked to them, they didn't want to discuss the items still being on my credit reports but the NEW items that had be updated or removed. They didn't do anything to get items updated or removed. I also paid to become one of their credit repair sales agent in XX/XX/2019. I have a email confirming my payment for Sterling Credit Group agent from XXXX XXXX on XX/XX/2019. I want to be refunded in full for both the credit repair payments and the credit repair sales agent payments. This company tells you everything you want to hear including getting a personal call from the owner This company is a scam and fraud that takes their customers money but never deliver on what they say they are going to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting this dispute on XXXX XXXX XXXX that is reporting on my experian credit report. This bank is reporting the account was opened in XX/XX/XXXX.This account had fraudulant activity on it and I reported it back in XX/XX/XXXX to XXXX XXXX XXXX that there was fraud. It has been proven and deleted off my other 2 credit reports ( XXXX and XXXX ) however experian is still reporting it. It is also reporting then it stops reporting for 2 years XX/XX/XXXX/XX/XX/XXXXthen they start reporting again then off again. This is completely wrong as having this incorrect information on my experian credit report is affecting my credit score in a negative way. I 've tried to resolve this issue with experian but to no avail I get nowhere. I want this account removed off my experian credit report. I should not be held liable for an account that was fraudulant.

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 2017-08-08
Company: American Coradius International LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX I received a notice dated XX/XX/XXXX, from American Coradius International LLC that a XXXX, XXXX account in my name had been placed with them for collection of {$510.00}. I do not have nor have I ever had a XXXX, XXXX account # XXXX. Per the instructions in the collection letter, I notified ACI in a letter sent by certified mail on XX/XX/XXXX, that I disputed the claim, that the XXXX account number was not mine and that I had no outstanding obligations to XXXX. After the letter disputing the claim was sent, I received at least four phone calls attempting to collect the disputed amount. ACI never sent me the promised verfication of the debt or a copy of any judgment as they said they would if I disputed the debt. On XX/XX/XXXX, I received second debt collection letter dated XX/XX/XXXX, from ACI LLC for this XXXX bill that is not mine. The amount of the account balance has risen to {$1000.00}. I have again written to ACI and disputed the validity of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: TD BANK US HOLDING COMPANY
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:
I opened a checking account at XX/XX/2017. And i opened the checking account cause they offered me {$300.00} bonus, if i complete {$2500.00} direct deposit within 60 days. As their promotion says after meet all requirenments i should get that bonus within 95 days. 

Their terms said " the bonus will be credited into the new personal checking account no later than 95 days from account opening. '' But after 95 days later they didn`t gave me the bonus i called them and they told me to wait 125 days and i waited. they said i met all the requirenment but they will contact with me but they never. Today i called again and they told me to wait till XXXX to get that bonus. Today is 135 days and its counting but they are like playing game with their user. I have all the screenshot of their terms and advertisement. Its just misleading and I need my {$300.00} bonus as they promised since i completed all requirenment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 previously disputed the inaccurate accounts that are in my credit report last XX/XX/2021 but to no avail the credit reporting agencies did not fix my problem nor did they investigated or gave me a response. On top of that, they did not verify if the accounts they are reporting are even right! I know that they should be reporting with maximum accuracy but they are clearly not and it's hurting my credit score big time. Please help me resolve this with them as I am losing my patience and I don't know what else to do.

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 2019-02-28
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: Account status incorrect

Complaint:
I have a credit card with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX only reporting me 30 days late three times. There was definitely an error on their part. I was never three times 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
the credit card was paid and closed. they agreed to delete the account from all 3 credit bureaus but it is now stating charge off/paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: EQUIFAX, INC.
State: FL
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: Problem with personal statement of dispute

Complaint:
I have filed several letters to XXXX and Equifax regarding incorrect information on my credit report, they haven't been able to provide me with supporting evidences that support their reports, I have been sending letters since XX/XX/2017 and nothing is resolve yet, I advise them via mail that if those issues were not resolve in the matter of time of 30 days I was going to contact CFPB and XXXX to see if they can finally resolve the incorrect information 's on my credit report, this has been bad to me because I'm not able to get credit or finishing buying my home due to their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: JPMORGAN CHASE & CO.
State: MI
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 SENT A CERTIFIED TWO CERTIFIED LETTERS TO CHASE FOR A CREDIT CARD DEBT THAT HAS BEEN REPORTING ON ALL THREE THE MAJOR CREDIT BUREAU 'S. THE, IN THE AMOUNT OF {$2200.00}. THE ACCOUNT NUMBER THEY ARE REPORTING SHOWS AS XXXX. 
THE FIRST CERTIFIED LETTER ASKING FOR VERFICATION OF MY SGINATURE WAS SIGNED BY CHASE ON XX/XX/18, THE SECOND CERTIFIED LETTER WAS SIGNED FOR ON XX/XX/18. I RECIEVED NOTHING BACK FROM CHASE EXCEPT FOR STATEMENTS, THERE WAS NO VERFICATION OF MY SIGNATURE. THEY DID NOT PUT A DISPUTE NOTE ON MY ACCOUNT WITHIN THE 30 DAY PERIOD AS WELL. 
ALSO THEY ARE NOT REPORTING THE ENTIRE ACCOUNT NUMBER, ONLY A FEW DIGITS, FOLLOWED BY ASTRICKS/STARS. 
PLEASE SEE THE FOLLOWING VIOLATIONS BELOW : VIOLATION OF SECTION 609 OF FCRA, SECTION 623 ( A ) ( 3 ) AND/OR THE FAIR DEBT COLLECTION PRACTICIES ACT SECTION 807 ( 8 ) BY NOT PLACING THE DISCLOSURE WITHIN THAT REQUIRED 30-DAY PERIOD.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I opened an account with Synchrony financial in XXXX of XXXX. My credit limit was {$2500.00} and I have a {$400.00} balance. Since opening the account I have made every payment on time and more than the minimum amount owed. I have two accounts with this company and went on to make my payment this month XX/XX/XXXX ( Due date XX/XX/XXXX ). I got an alert on my phone today XX/XX/XXXX that I needed to make the payment .... so I logged on and realized that I must have never hit submit! Honest mistake ... and because of it I have no problem paying a late fee, extra interest etc. However, this company chose to also lower my credit limit by about 400 % or {$2000.00}. This will inevitably have a traumatic impact on my credit score, by taking my credit utilization from 20 % to 98 % on this card! 

When contacting the company, they stated that they did a review of the account and decided to decrease the limit due to my credit report. Which I could understand ... except my credit score and account standings are even better today than they were when I originally opened the account! 

This is completely unethical and I'm positive that I'm not the only consumer who's been affected by this change! To knowingly cause damage to consumers credit during a pandemic is absolutely abominable and I sincerely hope you can help!

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 2018-04-05
Company: NCC Business Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 I filled a written dispute with ( NCC ) business services. Although the apartment complex refused to validate the debt, NCC refused to remove the debt after speaking to numerous rude managers and supervisors. I was denied an opportunity to file a complaint over the issue and told to file with FTC or whatever other complaint I needed to when I asserted the fair debt collection practices of the ( 30 ) day investigative period. In fact, the collectors argued their investigative practices included making a certain number of attempts, rather than a specific time frame or the one consistent with the fair debt collection practices. They claimed expertise by title but couldn't provide information regarding the proper dispute process, or my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 a hard inquiry on my XXXX  credit report that I would like to have removed due to fraudulent activity. The date on the inquiry is 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 2019-06-10
Company: CAVALRY INVESTMENTS, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Cavalry Portfolio Services its being reporting a debt I dont own! To the three credit report agencies XXXX, XXXX and XXXX  When asked for contract proof with my signature every time I received nothing just came back verified but not proof that in fact the debt is mine am been disputing this collection since XX/XX/2019 and every time I dispute it the dont send me any proof and keep reporting to the credit bureaus I want the outcome of this to be deleted from all three mayor credit bureaus above as what this company is been doing is affecting my credit that am trying or in the process to buy a house!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: CORELOGIC INC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I as of late recorded a grievance with the Consumer Financial Protection Bureau against CoreLogic we're not putting a security freeze on my CoreLogic credit document for the second better they are revealing to me CoreLogic is an affiliate of the buyer report data gave by three National Consumer detailing organizations however I realize they do play security freezes since I had a security freeze with CoreLogic previously. Presently I'm documenting my second protest against CoreLogic for not setting a security freeze on my credit record.

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 2020-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Trans Union and XXXX  are fraudulent on my following accounts : USDOE/XXXX  is fraudulent on my credit Account # XXXX US DEPT ED is fraudulent on my credit Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
THESE ACCOUNTS LISTED ON THIS REPORT DO NOT BELONG TO ME THEY WERE OPEN FRAUDULENTLY USING MY SOCIAL SECURITY NUMBER AND ID I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-11-19
Company: Accounts Receivable Consultants Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received the letter in the mail, then called too see what the letter was in reference to. I was told it was my portion after my insurance paid their portion. 

I was asked to pay {$500.00} that day, I stated I was unable to pay the full amount, then harassed talked down too. Threatened that I would be reported to the credit bureau. 

I paid {$100.00} at that time, and told the representative I would pay every two weeks. She the told me the only way I could make payments arrangements ; would be to give her my bank information, and I declined too do so. 

I was contacted by Ms. XXXX XX/XX/2020 in refence to paying the account off. That's when I decided to contact this office.

Company response to consumer: Closed with explanation