BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-28
Company: Alliance Recovery Group
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I began receiving calls for a young lady that I dont know, and has never owned my phone number around XX/XX/2020. Alliance Recovery would send and automated message for this person stating that they had a judgment against that person and they needed to resolve it prior to serving this person with papers. I followed the prompts to speak with someone to be removed from the callin list, as I was NOT this person. The First Lady I spoke to around XX/XX/XXXX stated she would remove me from the list and apologized. But yet, I kept receiving phone calls, several times a day, everyday. Each time I answered, and attempted to reach someone, but would get a weird voicemail stating that I reached they after business hours, although it was the middle of the day. I would leave a message stating that I was not the person they were looking for and to remove my number from their list. No such luck. Yesterday, XX/XX/XXXX, I finally got ahold of someone when they called, yet again and was meet with a ver combative woman, who was not willing to remove my phone number and kept stating that she wasnt going to help me because she didnt have time to deal with me right now. I told her that a I have left several messages to stop calling, advising that I would notify my attorney and CFPB if this persists and she became hostile, saying they ( CFPB and my attorney ) would be able to get the calls to stop.

Company response to consumer: Untimely response
Consumer complaint received 2019-07-08
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My problem is with LoanCare , LLC which operates the website myloancare.com. They purchased my loan two years ago. I've had the same homeowner insurance for 7 years. LoanCare , LLC paid my insurance last year on time. This year they didn't and I lost coverage. They show they sent payment but now sent me a letter stating I have no coverage and threaten to purchase more expensive insurance. They don't answer my calls nor respond to my emails.

They had all my insurance information as it hasn't changed in 7 years and they paid it last year.

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 2021-04-06
Company: KEYCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have asked to close my Key Bank Checking account twice ; once on about XX/XX/2021 and again on XX/XX/2021. Both times the Key bank representative, via online chat, said the account would be closed within 5 business days. The account has a XXXX  balance. The account remains open.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
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: Their investigation did not fix an error on your report

Complaint:
THE ACCOUNTS ARE REPORTING INACCURATELY AND SHOULD BE REMOVED DUE TO VIOLATING THE FCRA ACT!!!! THERE IS NO WAY THESE ACCOUNTS SHOULD CONTINUE TO REPORT INACCURATELY I AM HIGHLY DISPLEASED AND I HAVE NOT GOTTEN ANY INVESTIGATION RESULTS

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 2020-07-19
Company: CITIBANK, N.A.
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: Their investigation did not fix an error on your report

Complaint:
Back in XXXX I bought a dishwasher and hock up from Home Depot I returned it in XXXX they tried charging me {$70.00} for the return I refused and went in store to the XXXX IL location where I bought it sat for XXXX till close and they still didnt return it they said they would call me when the return was complete 3 days later I received the call fromXXXX at Home Depot saying the return was processed and take. Care of. In XXXX I went to use the Home Depot credit card it was declined I called Home Depot right away and citi bank both twice the same day. Home Depot then issued me more and new credits in XXXX to handle the account and make it accurate. I called back citi bank again that day to make sure we received the credits they said it would take 48 hours. Now we went to apply from our loan agent on our 3 home and got denied from homedepot reporting on his credit for a return we did not receive the correct or proper credits since XXXX and I have been told by employees at home depot since XXXX it was taken care of. XXXX my partner had an XXXX credit score we have worked the last 10 years to get the only thing on his credit was homedepot reporting on not refunded credits we were supposed to have tanked my husbands credit and denied us for a home all because a return wasnt properly handled. Then they closed our account without any notice tanking my husbands credit more. We have been card holders w homedepot since XXXX this is the worst situation We have been put in and no one wants to help us. I called citi bank they just wanted their credits didnt even offer to reopen the account so my husbands credit wouldnt be further negatively affected by this mistake. I explained how dire this situation is look at his account its form XXXX we are in XXXX how are we still dealing w this credit on the return?? This is absolutely unexpected we have maintain credit and paid every bill and now we go apply for a home loan and now from someone else negligence and not knowing how to do their job correctly we are denied for our home loan. We need the negative reports 30 60 90 day removed from his credit.

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 2023-04-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX : XXXX, Account name : XXXX # : XXXX, Account name : XXXX XXXX  # XXXX XXXX, Account name : XXXX XXXX # XXXX XXXX XXXX Account name : DEPT OF ED/XXXX  # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}, {$9200.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9200.00} -This is not my 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 2023-07-14
Company: EQUIFAX, INC.
State: IN
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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a notification by mail that that I had an unpaid balance with XXXX ( XXXX XXXX ) and AmSher was the collection company to collect the unpaid debt of {$120.00}. ArSher offered me an opportunity to resolve my account/debt with a one time payment of {$97.00} if paid by XX/XX/2021. I attempted to call to make a payment but was placed on hold which I proceeded to hang up after 23 minutes. I then went online by using the bar code provided by AmSher on the collection letter they sent to make an online payment. On XX/XX/2021 I made an on line payment of {$97.00} per their collection letter and instructions, PAYMENT confirmation Number XXXX. On XX/XX/2021 I found a collections on my credit report from AmSher for the amount of {$32.00}. I would like AmSher to honor their offer and remove the {$32.00} from collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Ive disputed with the original creditor XXXX XXXX  XXXX XXXX XXXX because the accounts have been charged off and they still report a late balance every month. Ive disputed via the bureaus with no change these accounts have been closed since 2017 and need to be removed as they dont comply with FCRA rules. Please verify or remove. Thanks

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 2023-05-25
Company: SYNCHRONY FINANCIAL
State: CT
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:
I purchased an item on XX/XX/2023 in the amount of {$1600.00}. I tried to return the items & couldn't. I disputed the charge with XXXX XXXX and the dispute was not resolved in my favor. I've paid for this. On XX/XX/2023 I was incorrectly rebilled the amount of {$1600.00} for the same company. I contacted XXXX XXXX and XXXX them about this inaccurate duplicate rebilling and was told that they had to open another dispute. I've not been given any conditional or other types of credits. I've not been given any assurance from XXXX XXXX that I won't be responsible for the duplicate rebilled charge and I don't trust them to accurately investigate this situation. This is an error on XXXX XXXX part. 



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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 2020-07-19
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}, {$9200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9200.00} -This is not my 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 2019-07-08
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My address is not correct which might be happened as previous resident who has same last name with me moved out two family house after I moved in my current address. Please help me to correct my current address at all credit report. This incorrect address might be forwarded to many company and they updated my address incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
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:
1 ) My credit Card was stolen, I spent perhaps an hour with HSBC Fraud dept going over illegal and fraudulent charges one by one. They assured me they would be removed and only to pay what I owed. A new card was issued. This was on XX/XX/20 2 ) I did and sent a letter WITH the bill where I circled each fraudulent charge 3 ) I was assured by HSBC 's Customer Service people all charges I didnt not make AND THAT I IDENTIFIED would be removed. 

4 ) You not only did not do that you charged me interest on them. 

5 ) I tried calling your customer service dept again, after a 20 minute wait I explained the situation. I talked to a XXXX ( XXXX XXXX XX/XX/XXXX ). She said you need to verify you pin first, I explained I already did when I called, She kept insisting I go to you automated system to verify a pin I already entered, how could I speak to her otherwise?. She was ZERO help. I asked to speak to a Supervisor and after an epic 60 minutes, obviously she never came onthat is over 1 hour and 20 minutes to speak to someone with perhaps a semblance of intelligence to rectify HSBC 's MISTAKES. XXXX said she tried to get Supervisor but couldnt get one, Excuse my XXXX  XXXX! 

6 ) I wasted hours with their incompetence. All I want are the illegal charges taken off, as they promised, for them to remove a interest charge on monies they said Id did not have to pay. I paid what I owed. They mispresent the truth, did not, as required take disputed charges off and make it impossible to rectify with Customer Service people who can not speak English or know the banks procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Contacted XXXX, Transunion, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Contacted Experian, XXXX, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
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: Account information incorrect

Complaint:
I have tried contacting the credit bureau multiple times in regards to this matter for the accounts XXXX XXXX XXXX as well as congress collections. I did not received a legitimate verification as I requested. I would like this account verified in full and removed immediately. I would like to exercise my rights according to 15 U.S. Code 1681n - Civil liability for willful noncompliance. I would like these accounts removed 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 2023-07-14
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: Information belongs to someone else

Complaint:
This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: EQUIFAX, INC.
State: NH
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:
Please refer to closed complaint XXXX I wrote the three credit bureaus the same date and only one has remedied the error on my credit report - XXXX  - likely because I filed a cfpb complaint against them. I expected the other two to follow suit but they have not. The other two are taking too long and this is adversely affecting my credit/score and ability to obtain credit. I am told by my local bank, with whom I am attempting a mortgage refi, that the scores with XXXX  and Equifax are good, but both still have a delinquency flag notation. I want that fixed!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Bloomingdales needs to delete and remove this fraudulent account immediately from my XXXX credit report. I did not authorize this 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