BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-25
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:
I have been making on-time payments to XXXX since XX/XX/XXXX through auto pay from checking account. 
When COVID-19 affected me in XX/XX/XXXX, I requested XXXX   to stop auto-pay since I was severely affected but XXXX still tried to process and take money form my bank account which did not have any money in it. I again contacted XXXX and requested for a relief that was granted but XXXX still reported late payment to credit reporting agencies. I contacted XXXX and asked why they reported late payment to agencies, the rep said it was not reported late which was a lie. My credit score dropped by 72 points and my Department of Educations ' Parent Plus Loan was denied.

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 2020-05-24
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
on XX/XX/2020 XXXX XXXX was bought out by XXXX XXXX. Tihs caused my mortgage account to be now listed as closed and has made my credit score drop into the fair range was it was good before this. It now has caused me to not be able to get a good finance rate on a care and also has disallowed me to get a vacation rental due to credit check. My high balance on mortgage was {$130000.00}. I have called peoples bank numerous times with no avail. Please help to get my mortgage reported so I can get my credit back to whee it should be. I have no derogatory marks or late payments on any of my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XXXX there was XXXX dollars spent using my card ( it was taken from my wallet ) in the state I used to live, XXXX XXXX. I live in XXXX  8 hours away. I am a single mom with XXXX boys and a full time job at a XXXX. Home Depot has denied my fraud claim and my appeal. The items were purchased in store as well as online and deli were to an address that I have never heard. I have always paid my card in full and hadnt used it in 7 months before it was stolen.

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 2020-05-24
Company: CITIBANK, N.A.
State: CT
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:
After activating a replacement citi mastercard that was about to expire, several attempts to use the card were declined. I called customer service but there is no personnel available to discuss the reason. I tried logging in online and saw my account was closed. 

This is the THIRD time in as many years that this account was closed in error ... due to some procedural dysfunction.

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 2021-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
i have sent in my disputes but still no response

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 2022-08-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In light of recent investigations brought upon Equifax, I find that my consumer file is being irresponsibly tampered with. Over the past few years, I have made several attempts to remind you of your duty Pursuant 15 USC 1681. It appears you're intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I am making another attempt to have these errors remedied on my consumer report. Credit file received on XX/XX/2022 contained 9 deletions which in essence is an admission of guilt using my credit file negligently, illegally and improperly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
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:
I have been a victim of identity fraud and I have been working to get the negative fraudulent accounts removed from my credit report but it has proven to be a challenge. My information was also compromised in a data breach with XXXX. I have submitted a complaint to the Attorney General office as well.

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 2021-02-23
Company: WATERMARK CAPITAL, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home mortgage with Watermark Home Loans in XXXX, CA in XX/XX/XXXX. About a month after the refinance was completed, I got a letter in the mail from the XXXX XXXX County Tax Collector 's Office. This letter contained a tax bill consisting of two payments, the first of which was due by XX/XX/XXXX for {$1500.00} Because I had recently set up an escrow account with the mortgage company, I phoned Watermark Home Loans at their XXXX, CA office. I directly asked the woman with whom I spoke on the phone if I needed to make this first property tax payment or if this would be paid from my escrow account. The representative told me that the property taxes would be paid from the escrow account by the due date and that I had nothing to worry about. 

After the due date had passed, in XXXX XXXX XXXX, I got another letter in the mail from the XXXX XXXX XXXX Tax Collector 's Office. This letter contained a similar tax bill as the previous letter, except that there was now an additional penalty due for late payment, totaling {$150.00} I contacted Watermark Home LoansXXXX XXXX regarding this penalty by sending a message through their website. The response that I got, a week later, was some " form letter '' stating that the escrow payment of {$1500.00} was paid after the due date. There was no mention of the late payment penalty. 

So, I sent another message through the XXXX  secure message system requesting that they address the penalty that I was charged. After a few more weeks had passed, I sent another message requesting an update. I got a response a few days later suggesting that I call their XXXX number. 

I called the XXXX number and spoke to a representative their at length about this situation. This woman told me that I would soon be contacted by the company regarding the penalty. This was over a month ago, in XX/XX/XXXX, and I never got any response. 

Today, XX/XX/XXXX I called the XXXX number again. I told the representative what had happened to this point and she suggested that I talk to a supervisor. I was placed on hold for ten minutes, when the original representative came back on the phone, apologized for the delay, and said that she would immediately connect me with a supervisor. I was on hold for another 15 minutes and finally hung up. 

Terrible customer service is a regular occurrence these days, but this company 's lack of response by its " employees '' is substantially more egregious than run-of-the-mill poor customer service. I have made several attempts to correct the situation, using different contact methodologies over a period of months. 

Most importantly, I should not be charged {$150.00} for an error that this company made after I specifically phoned them to be sure that it was dealt with appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had a biz CC ( AMEX ) debt that I believe was written off by AMEX after we went to court in 2018. Lately the collection company XXXX XXXX XXXX XXXX has been calling me on my cell phone at various times of the day, usually before XXXX. I advised them that as this was a business debt they should call me at my store after XXXX PST. The call calls continued. 

I don't mind them calling as long as the hour is not too early according to my schedule ( not theirs ) and to my business phone number, not my cell number. 

I finally called them back, told them I thought the debt had been written off by AMEX and figured XXXX XXXX XXXX was fishing. AMEX has never tried to contact me by mail or phoe during the 2 years.I was turned over to XXXX XXXX. She (? ) was pleasant and cooperative and promised to resolve the phone number issue, etc. 

However, I still believe the debt was written off by AMEX, I paid taxes on the paid off amount, and believed the matter was settled, especially after 2 years. I'm not sure I should start paying this collector. 

Thanks for any assistance you can offer in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted Portfolio Recovery Associates, LLC more than once now, I have sent them requests by certified mail regarding 2 collection accounts on my credit reports. One for {$670.00} and one for {$410.00} I have requested validation many times. I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. All I receive back is copies of bills from the original creditor I assume. Again these are not my accounts. I also told them that I am giving them a 30-day notice before filing suit. On XX/XX/2021 was my final attempt to Portfolio Recovery Associates, LLC to have these removed from reports. Again they keep on sending me a photocopy of the statement. I keep on asking them to please show me that I have ( or ever had ) some contractual obligation to pay you. 

Best XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Experian Information Solutions Inc.
State: PA
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:
Two companies ( XXXX and XXXX XXXX XXXX are reporting inaccurate information on my credit report that is ruining my credit rating. They agreed to remove but still being reported to one or more bureau with the same information. 

XXXX XXXX has multiple accounts listed on my XXXX  report with the same account number. All of which are paid off but also showing that I owe {$270.00} which isn't accurate. 

There is inconsistent details showing in my personal information that needs to be addressed. Inaccurate information enhances the possibility of identity theft for an example. I have several inquiries that were not authorized and may have been affiliated with addresses I don't reside! XXXX XXXX XXXXwas an unauthorized inquiry at all bureaus. XXXX/XXXX  is an unrecognized/unauthorized inquiry from XX/XX/2018 on XXXX and XXXX is an uncrecognized/ unauthorized inquiry on XX/XX/2018. 

I have disputed on numerous occasions but the information is still inconsistent.

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 2020-09-08
Company: Collection Bureau of the Hudson Valley, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/20 I received an alert through XXXX XXXX that there was a change to my XXXX  credit report. I pulled my XXXX  credit report on XX/XX/20. There was a collection from Collection Bureau of Hudson Valley Inc, XXXX XXXX XXXX, XXXX, NY XXXX, stating the original creditor is XXXX. 

Prior to the credit alert from XXXX XXXX and prior to the discovery of this fraudulent account with Collection Bureau Hudson Valley ( CBHV ), I did not receive any correspondence from CBHV advising me of my statutory rights prescribed by the FDCPA. Specifically, CBHV deprived me of any and all rights under 809 of the FDCPA. As prescribed by the FDCPA, I am entitled to, at minimum, 3 basic & separate components : ( 1 ) Right to notice of the alleged debt, ( 2 ) Right to contest the alleged debt, ( 3 ) Right to verify the alleged debt. 

CBHV 's act of furnishing ( derogatory ) information to Equifax, without the required notifications and in compliance prescribed by 809 of the FDCPA, not only violates the FDCPA but violates various sections of the FCRA. 

Prior to reporting this fraudulent debt to my XXXX  credit file, CBHV had ample time to notify me under the requirements of the FDCPA. CBHV acquired my location information through XXXX  on XX/XX/20 via the inquiry listed on my XXXX Credit Report. The derogatory, fraudulent, and inaccurate information that was provided to XXXX  on XX/XX/20 states that CBHV was assigned this file on XX/XX/20. 

In addition, the derogatory information from CBHV that was placed on my credit report was a result of identity theft. Therefore, as an identity theft victim, and all the rights afforded to me, I sent Equifax a XXXX letter requiring them to block this fraudulent information within 4 days of receipt. Furthermore, on XX/XX/20 CBHV was in receipt of correspondence from me dated XX/XX/20, that the derogatory information they supplied to my XXXX  credit report is the result of identity theft. 

On XX/XX/20 I received a letter from CBHV that was addressed to my current address. CBHV addressed the letter to me in response to my ID theft letter, but they addressed the letter to me as " XXXX XXXX '' Please note, the name " XXXX XXXX '' is NOT a name variation that I use. 

I feel that CBHV knowingly, willfully, and intentially engaged in prohibited conduct by attempting to collect an alleged and fraudulent debt by reporting a derogatory account to Equifax, without first sending any required statutory notices or correspondence, required by 809 of the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-24
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I switched cell phone companies from XXXX to XXXX and they told me that if I switch they would pay off what ever I owe to XXXX. I'm not sure if this agreement was fulfilled by XXXX. I have not received any notifications from XXXX stating that this wasn't paid and they didn't tell me that this was going against my credit. Now I have a derogatory mark on my credit XXXX   {$640.00} profile because of this problem. My XXXX report is showing no Derogatory Marks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called Equifax, & let them know that when I check my XXXX APP, my Fico score, it has negative or derogatory information when I check my Fico score, about bankruptcies and public record and collections that doesnt apply to me, is not mind, I them to remove from my credit report or file, Equifax said it is not on my file, I will try up load this information, please help me this issue, Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: EQUIFAX, INC.
State: CO
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 WAS A VICTIM OF IDENTITY THEFT AND EQUIFAX DATA BREACH. FOR THE PAST SEVERAL YEARS IVE BEEN HAVING ISSUES BEING AUTHENTICATED OFF AND ON. ANYWAYS I HAD SOME FRAUD ACCOUNTS BLOCKED FROM MY CREDIT REPORT AND IT SOME HOW IS STILL SHOWING UP ON THE LENDERS SIDE BUT NOT ON MY SIDE. I'VE HAD MULTILPLE FILES ISSUES ETC. IVE CALLED OVER 2 9 TIMES THE FRAUD GUY TOLD ME LAUGHING IN DISGUST AND SINCERELY APOLOGIZED. HE ADMITED IT WAS VERY COMPLICATED. BUT THATS NOT MY FAULT. I JUST WANT THIS FIXED ONCE AND FOR ALL IF POSSIBLE AND THESE ARE THE CONFIRMATION NUMBERS AND I HAVE A CASE NUMBER WHICH NO ONE CONTACTED ME BACK WITHIN 72 HRS. NEVER CALLED ME BACK. CASE NUMBER XXXX, XXXX CONFIRMATION BLOCK. I HAVE SENT A COPY OF MY ID AND SOCIAL SECURITY CARD THROUGH THE POSTAL MAIL BY NEXT DAY DELIVERY WHICH YOU SHOULD RECEIVE TODAY BY XXXX P : M today. PLEASE SEE ATTACHED LETTER FROM XXXX XXXX XXXX WHEREQUIFAX CREDIT PULL IS DIFFERENT FROM MY CREDIT PULL. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
XXXX XXXX ( # XXXX Manager is name XXXX ) phone # XXXX email : XXXX I am writing to formally complain about XXXX XXXX XXXX the third party outsourcing company. I have tried since XX/XX/2017 to cancel my monthly membership service to which I have not been able to log into since XXXX. I have tried for months to speak with a representative to cancel the services and each time a customer service rep blatantly hangs up the phone. I have been charged for months for a service that I can not use and/or log into. And have called to ask on several occasions to have it canceled only to no avail. The customer service representative have the competency of a first grader. They are taking my money each month for a service they have not rendered. I have spoken with an attorney about my legitmate concern to sue with regards to my complaint. In a era with so many security breaches that Experian and XXXX have had recently I am appalled that they continue to use a third part company with a deplorable reputation. 

I do plan to take legal action.

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 2023-11-03
Company: Carvana Group, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/XXXX  my car was to be delivered by Carvana. I received an email stating the deadline timed out. This is the second time within a two week period Carvan has misled me. Carvana has violated as well as wasted time energy and my Money. I also purchased insurance for one vehicle and did not get the vehicle. 
Violations by Carvana 15 U.S. Code 1692e - False or misleading representations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX has me in collections for an open balance of {$980.00}. which i never opened i actually have my phone line still open so i dont know why they have me in collections. 
same thing with capital one balance in collections of {$530.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I did a dispute with TransUnion about a month ago, and, today, I received an investigation report with the updates. For some unknown reason TransUnion has placed part of my name with a past dentist 's name and can not explain how this happened. TransUnion states that the creditors ' verify information. That is not true in this situation. I demanded this name be taken off my credit report, immediately. He hesitated for a moment until I yelled at him. Then, on a item that has been disputed since 2014 and deleted by the two other credit bureaus, the TransUnion rep refused to delete stating that the creditor has stated that the information is accurate -- kept repeating this until I hung up. Attached is a copy of the erroneously updated credit 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