BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Problem getting your free annual credit report

Complaint:
I contacted the three credit bureau 's on the free government credit reports website, to get my yearly credit reports from all three, back the XX/XX/XXXX. I received one from  XXXX   with no trouble, When I got to trans union after I put in my info and the report came up, I tried to download the report and the system crashed. When I got the system back up it told me I had already got the report which I did not. I called trans union, and  the custom service representative told me the same thing. I continually tried to explain to him what happen with the crashed site, he told me I would have to buy the report so the phone call ended with no report, but I did tell them that I was going to get in touch with the commission that oversees their operation. I have only dealt with them once before and I did not have a issue, back in XXXX and got my report with no problem online, so I don't understand what happen this time. 
I went ahead and attempted to order my XXXX report, the reponse I got while on line was I had to send in information, IE ;  ID, social security card and the reason I wanted the report on a cover page which I did and mailed it on XX/XX/XXXX ; I do beleive i had this problem with XXXX  in the past some years back. When I called today ( XX/XX/XXXX ) they ask me about my loans and who it was with, I told them that the only one I had was a student loan and I didn't remember who it was with because it was over twenty years ago ( now that I writing this I realize I should have remembered, but I was upset that I had already done what they had asked in sending info via mail ) .Then I talked to a supervisor and told her the same thing and she ask me a additional question about a job that I had in the past, and I gave her three that I know was on the last transunion report, then she proceed to tell me I did not answer correctly. So I am at a loss to why these reporting agencies are not cooperating with giving me 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 2018-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates : 30 days late as of XX/XX/XXXX and 30 days late as of XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: Bread Financial Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX has been harassing me with calls. In addition, they have begun calling residences I no longer live at or affiliated with asking for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-11
Company: CMRE Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX, I started trying to clean up my credit due to identity fraud that resulted in XXXX. Ever since, no company ( this company and the others that I will tag in this complaint ) has given me any " REAL '' information proving that I was the source of this debt ... EVEN after I sent several letters, submitted disputes to the Credit Bureaus and the Companies pursuing collections. 

Without growing weary in the process, I put a fraud alert on my credit reports in XXXX or XXXX that only lasted a short while ( they were recently lifted XX/XX/XXXX XXXX, while I was still telling these companies that I am indeed a victim of identity theft. Have been trying to clean it up for years but these companies nor the credit bureaus helped with the proof that these accounts could possibly be because identity theft. 

As of XX/XX/XXXX, an Investigator XXXX XXXX of Economic Crimes Detail with the XXXX XXXX Sheriffs Department contacted me to tell me that they caught a female who had the identities of me and other victims that she obtained off the dark web in order to commit fraud using my, among others ', identity. 

I have attached the letter for review. 

This letter is dated this year, but I have been claiming identity theft since XXXX, and all the companies I included in this complaint did not assist me with clearing the debt from my name when I gave them specifics on what I was dealing with. 

I would like to formally file this complaint that these companies failed to help protect me as a Consumer and now I am looking to start legal actions with all who did not perform their due diligence in proving that I was or was NOT a victim of identity theft nor did they validate any of my debts or their allegations which proves that they did not perform the correct procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2020 my edd debit card with Bank of america was closed due to edd needing identification verification which ive done. In the process claims filed with Bank of america were reversed. Now that my account is unfrozen n active my account was supposed to have been fixed n been brought back out of the negative balance and hasn't and the claims department refuses to clear it up. In the process my card was stolen back in XXXX and unauthorized transactions were being made as i was in the hospital for 2 weeks. Bank of america refuses to put credits back and reimburse me on the unauthorized transactions.

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 2018-06-08
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX placed a negative inquiry on my XXXX   Credit Report which is not my account. XXXX XXXX XXXX disputed the amount XXXX placed on my report. On XX/XX/18 XXXX XXXX sent a copy of a telephone bill with letter stating the bill is validated. Neither my signature or social security number on bill or letter. 

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 2019-01-01
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am furious with XXXX XXXXXXXX XXXX XXXX XXXXXXXX. I'm in the process of purchasing a home so I contacted them XX/XX/XXXX because they reported I did not make a payment for XXXX is which I did totaling {$320.00} for XXXX. The Month ending limit on my credit report shows a {$430.00} owed to XXXX XXXX when in fact I've already made my payment on XX/XX/XXXX. Now I have not only over draft but credit reporting at XXXX and my Limit is XXXX a month. They were supposed to contact me within 10 business days for an update. I have yet to receive any updates as I've called several times getting the run around. Now it's XX/XX/XXXX they are now reporting I only paid {$150.00} showing a balance of {$250.00} for XXXX payment when in fact I've paid {$270.00} for XXXX ( first payment was {$100.00} on the XXXX and second payment for {$170.00} on XX/XX/XXXX ). My ending balance is showing {$250.00} which I had no late payment charges. I am livid with this company lying as if I hadn't paid anything. The mortgage company is hounding me in which I've hounded these people for the last month. Still nothing is correct on my credit report. I need them to make the correct changes showing my limit is {$400.00} and my balance was {$120.00} for XX/XX/XXXX. This information they are stating is completely incorrect. They are holding up my home buying process. I need this fixed today!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Avant Credit Corporation
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Avant credit card company is not applying my payments to my balance in a timely manner. My balance keeps showing up for more than I actually owe. They are charging interest on the wrong amounts. They also keep reversing payments. Last month I overpaid them and had a - {$230.00} because they have not been applying my payments properly. I requested that credit to be applied back to my bank account. My balance should have been XXXX. I have not used the card since the XXXX balance and there are no transactions on the card reflecting that the card has been used, This month Avant applied a {$800.00} charged to my account for no reason and when I called in and spoke with 3 different  representative at Avant, no one at Avant that I spoke knew what this charge is for. I have been dealing with these payment matters for months. The reps give me a run around about speaking with a supervisor and no supervisor has ever called me back even though I requested several times to speak to a supervisor as well as a call back. I have sent several emails and received no responses. It is also showing up on my credit report that I owe a balance that I paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was paying debt directly to the company and they sent it off to a collection agency, but meanwhile I was still paying debt and then started paying to them and collection agency.. It is paid in full but it is still showing Charge off as bad debt Profit loss write off. When I made arrangements to pay the debt and they didn't remove it yet ...

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 2018-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Capital One has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: DISCOVER BANK
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Discover Card erroneously placed a charge on my account in XXXX. 
The Discover account representative acknowledged this error and said that it would be reversed and corrected. It was not. 

The charge was still on the next monthly statement. On XX/XX/2020, I called again and spoke with the head of the accounting department who assured me that the erroneous charge would be removed within two days.

Today, I received another statement, and found that this issue still is not resolved.

I call Discover again, and was told the matter was still under investigation. This is completely different from what was stated on my prior calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my 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 2018-12-10
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent Rash Curtis and Associates 2 verification letters to include that they could legally obtain my medical records from XXXX XXXX. The first one was dated XX/XX/2018. Which I asked for documents showing that they can legally obtain my detailed medical information and verify that I agreed for them to charge 12 % interest on the alleged debt from the original contract. They could not verify that information. I notified XXXX and XXXX  about their lack in properly verifying the debt on XX/XX/XXXX. Sent Rash Curtis and Associates a second letter XX/XX/2018. Again, they were unable to provide the requested documents to show that I released my medical information to them and that they could legally have my information. I have also requested that information from XXXX XXXX. I have yet to hear back. Again, I have sent, today, XX/XX/2018, letters to XXXX and XXXX   about Rash Curtis and Associates and XXXX XXXX  inabilitys to properly provide me with that documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: EQUIFAX, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. As of 60 days later I have not received any response. Im currently being taken advantage of and bullied by these agencies, and my disputes are being ignored by the credit agency. Section 611 ( a ), it clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Currently is has been over 60 days and these incorrect items need to be immediately removed and deleted promptly. I demand these accounts be deleted immediately or I will be forced to file for litigation This situation has caused me a numerous amount of XXXX. I have been a victim of Identity theft and also my personal information was impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
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've disputed an item reported to ChexSystems by XXXX XXXX  several times in an attempt to get account validation done correctly. Each time ChexSystems has written back saying the information is correct, validated, and to contact XXXX XXXX. 

Identifying information and status listed in this item is not mine and incorrect and they are refusing to delete this inaccurately reported item. 

The Status date says : Unpaid whereas XXXX XXXX  says : Charged Off The reported driver 's license number ending in : XXXX is not nor has ever been mine They are reporting 'NSF Activity ' and have yet to provide any documentation showing as such. 

Also, XXXX XXXX  is actively using a 3rd party collection agency reporting to XXXX, XXXX, and XXXX XXXX by the name of XXXX XXXX XXXX XXXX XXXX. How can they both be reporting different information to different bureaus and it still be accurate. Two entities can not actively collect on the same account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
on XXXX XXXX, 2020 -there was a fraudulent inquiry made at XX/XX/XXXX to get credit & it appeared on my transunion credit report. i never made this inquiry & contacted XX/XX/XXXX immediately & then transunion. however, it still appeared on my credit report as an inquiry & lowered my credit score for no apparent reason other than fraud. therefore, i would like this inquiry removed! asap!! 

on XXXX XXXX2020 -another inquiry was made again at XX/XX/XXXX & this appeared on my XX/XX/XXXX credit report. 

both fraudulent inquiries appears as one inquiry on my credit report, regardless, i would like the fraudulent inquiry removed. ASAP!!! 

I DID NOT REQUEST THE INQUIRY & SHOULD NOT SUFFER A LOWER CREDIT SCORE AS A RESULT OF FRAUD! PLEASE REMOVE ASAP!!

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 2019-01-01
Company: Credit Bureau Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This alleged debt with XXXX XXXX Medical Center is being reported to all three collection bureaus in the amount of {$300.00} for a XXXX in 2015. This {$300.00} was paid to XXXX XXXX prior to my XXXX. It was later refunded to me by XXXX XXXX as I had met my yearly out of pocket deductible for 2015. Therefore, I do not owe this debt. Please check with XXXX XXXX for accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-23
Company: PHH Mortgage Services Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I placed a call to XXXX XXXX XXXX in XXXX XXXX, New York on Monday, XX/XX/XXXX to request that they fax my Form XXXX for XX/XX/XXXX. The fax did not arrive in the 24 hour period that they promised as the delivery deadline. I called them a second time on XX/XX/XXXX, and they said that they would fax the form. I let the representative know that the first request to have the from faxed to me went unanswered and this time the representative promised to fax the document within 3 hours. The document was not sent, although I received many faxes throughout the week and on that Friday. Their is a disconnect between their call center and the delivery system. How can they promise to send information out at a time certain, when the people responsible for the fulfillment are probably in a different country, or the call center is in a different country? Alternatively, I tried to retrieve my Form XXXX from their website, XXXX, but the website was not functioning and I could not retrieve the form. This is pitiful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a XXXX XXXX XXXX XXXX and sole proprietor. NFCU denied my request to open a business banking. Due to being denied, I continued to get paid via ACH transactions. I qualified for PAyroll protection program through XXXX and in order to have a separate account to monitor the spending, I had the money to be sent to my checking account XX/XX/2020. A week later, they froze all of my accounts and credit cards and refuse to release my funds. In order to get forgiveness I needed to use the funding in 8 weeks on eligible expenses ... Im in week 4. Im submitted an appeal, called and sent messages and they have yet to unfreeze my account. Apparently, NFCU has done this to many of 1099 XXXX XXXX   who do not have a business account with them. This isnt fair! I havent even been able to pay my monthly bills!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-01
Company: Experian Information Solutions 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 submitted a dispute to Experian to remove an outdated item from my credit report. The reason is the original delinquency occurred in XXXX. The original creditor was XXXX and the item has been successfully removed by the other credit bureaus with no problem. Experian has the capacity to look back at my credit reports from XXXX and XXXX to confirm my claim. However, Experian is allowing XXXX XXXX debt collection agency to report the original delinquency with a more recent date so it can stay on my credit report. The debt is outside the statute of recovery for the state of Georgia, which is four to six years from the last payment. My last payment to XXXX was in 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 2019-03-31
Company: JH Portfolio Debt Equities, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In response to a denial of an extension of credit this consumer checked with the consumer reporting agencies and found the following : 1. Your company has furnished negative information about this consumer to one or more consumer reporting agencies as shown by the accompanying exhibits. 
2. This consumer is unsure of whether or not your company can show that it has complied with the notice requirements found within the consumer protection laws.

Company response to consumer: Closed with explanation