BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 3 requests to Transunion disputing dismissed bankruptcies reporting on my credit report. I have sent an affidavit requesting that answer my affidavit point by point, line by line to verify they accuracy of the information they are reporting and claiming to be verified. I have only received deficient responses with no proof to their claim. 

I refer to the attached Transunion Credit report file CHAPTER XXXX BANKRUPTCY DISMISSED as clouded. 
As mandated by Title 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION, Subchapter III, Section 1681c, Paragraph a.1 Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. The Law is clear Dismissed Case is not included within the parameters of the above mandated reporting guideline, furthermore ; the referenced Chapter XXXX Bankruptcies did not have Entry of the Order for Relief nor ever been Adjudicated. Under Federal and State Law, FCRA Title 15 U.S. Code 1681i, Paragraph 5.A, immediately upon receipt of this notification you are obligated and directed to remove the referenced Chapter XXXX Bankruptcies on my credit report. It is not in your jurisdiction, responsibility, right or business to report this crucial and extremely damaging personal information. Also per the Law you are obligated to furnish me updated copy of my corrected credit report per Title 15 U.S. Code 1681i, Paragraph 5.A.ii of FCRA. All required information and supporting documents are included on this letter package, therefore ; an investigation is deemed absolutely unnecessary. Your response within 14 calendar days upon receipt of this letter is greatly appreciated.

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 2022-08-14
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Midland XXXX is reporting is reporting a debt that is Ive rXXXX years old. I have tried to dispute it several times but the credit bureau keeps telling me that the account is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Since XX/XX/2021 I filed several certified mailed in disputes and have called multiple times but received no response from XXXX, Equifax, and XXXX. I have sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored. Section 611 ( a ), it is plainly stated that a failure and negligence to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted punctually. I urge these accounts be deleted immediately or I will file for litigation due to the financial burden you caused me. My information was also impacted by the multiple data breaches and may have got into the hands of the wrong person. They are in violation of Fair Debt Collection Practices Act because they did not prove validity of the accounts, they failed to provide evidence to support ownership of the accounts, they did not furnish the paperwork required to show 100 % proof that I own the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Equifax continues to report a closed account issued by XXXX in which the last " late payment '' was received over 7 years ago. Not only was the account fraudulently open without my knowledge or authorization and therefore must be removed, the delinquency legally can not be included in my credit history on my credit report due to its age and must be removed. 

Equifax previously removed the following accounts from my credit report due to fraud, and has not re-listed the accounts and the negative reporting history, including XXXX ( opened XX/XX/XXXX balance {$9100.00} ) ; XXXX XXXX XXXX ( opened XX/XX/XXXX, balance {$490.00} ) ; XXXX XXXX XXXX ( opened XX/XX/XXXX balance {$550.00} ) ; XXXX XXXX ( opened XX/XX/XXXX balance {$1600.00} ) ; XXXX ( opened XX/XX/XXXX ) ; and XXXX ( opened XX/XX/XXXX balance {$4900.00} ) I have no access to the account information in order to dispute with the creditor because they were opened fraudulently without my knowledge or consent. Despite this finding, Equifax has since relisted the accounts as belonging to be with has negatively affected my credit and finances.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-16
Company: American Credit Acceptance, LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
On XX/XX/XXXX ; my wife and I purchased a new XXXX XXXX XXXX that was a loaner car from XXXX XXXX in XXXX. We signed all the loan documents and were told we were pre-approved for the car loan through American Credit Acceptance, we gave our {$1000.00} down payment and left with the car. A few days later, we go the hard approval but we needed to give our proof of residency, and do our welcome call. We provided the requested documents and did our welcome call. We then waited for our license plates and registration but they never came. 

We were contacted on or about XX/XX/XXXX and was told our approval was rescinded because my income did n't add up because the dealership failed to get my self employment documents which I then sent over and the approval was reinstated. 

On or about XX/XX/XXXX ; we went in to sign updated paperwork and were told everything was done and that everything was fine. 

On XX/XX/XXXX ; I was contacted by the finance manager that American Credit Acceptance wanted copies of bank statements for an account I no longer have access to. I was told that this would n't be an issue a week ago when I spoke with the regional manager from American Credit Acceptance. 

I am suspecting that I am being asking to provide all this additional invasive information because I am XXXX American and being discriminated against. This has been a nightmare and I have been more than accommodating to both but this is ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Pay Pal credit sent me a letter in the mail with the charges and amounts owed stating that I still owe the debt and it was already paid according to the letter they sent me. There are class action lawsuits being filed against them for tricking customers stating that they owe charges when it 's Pay Pal that is extorting fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: Bread Financial 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:
I recently received my XXXX XXXX credit card statement issued by Comenity. On there was an interest charge of {$2.00}, My previous statement was paid in full on or before the due date, as has every statement I have ever had from XXXX XXXX. I contacted XXXX XXXX by phone and was first advised there was a television purchase on my account, and I told them there was not. Then I was advised I had purchased tires within the last six months, which I had indeed done, but I reminded them that I had paid that amount in full on the next statement. They then told be there was a promotional plan that recently ended in XX/XX/XXXX, but I told her that did not apply to me. She then told me it was a system issue that should be updated, and that programming was aware of the problem. I AM INFORMING YOU OF THIS PROBLEM SO THAT THE MILLIONS OF XXXX XXXX  CREDIT CARD HOLDERS ARE NOT INCORRECTLY CHARGED FEES THAT THEY SHOULD NOT BE PAYING. Comenity Capital Bank needs to be held accountable for this mistake. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-29
Company: AmeriHome Mortgage Company, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The loan was trasferred to Amerihome from XXXX XXXX. The loan balance should be around XXXX but Amerihome has is at XXXX. Ive called XXXX and they say Amerihome has all the documents. their was a recast for XXXX done with XXXX. this has been going on for well over a month. Amerihome sayss the documents will be reviewed but every time i call they push the date back. I.ve asked them to call XXXX but they refuse to call. If they would communicate with each it would solve the problem but Amerihome won't.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Equifax continues to report a closed account issued by XXXX/XXXX in which the last " late payment '' was received over 7 years ago. Not only was the account fraudulently open without my knowledge or authorization and therefore must be removed, the delinquency legally can not be included in my credit history on my credit report due to its age and must be removed. 

Equifax previously removed the following accounts from my credit report due to fraud, and has not re-listed the accounts and the negative reporting history, including XXXX/XXXX ( opened XX/XX/XXXX balance {$9100.00} ) ; XXXX XXXX XXXX ( opened XX/XX/XXXX, balance {$490.00} ) ; XXXX XXXX XXXX ( opened XX/XX/XXXX balance {$550.00} ) ; XXXX/XXXX  XXXX ( opened XX/XX/XXXX balance {$1600.00} ) ; XXXX/XXXX ( opened XX/XX/XXXX ) ; and XXXX/XXXX ( opened XX/XX/XXXX balance {$4900.00} ) I have no access to the account information in order to dispute with the creditor because they were opened fraudulently without my knowledge or consent. Despite this finding, Equifax has since relisted the accounts as belonging to be with has negatively affected my credit and finances.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-11
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My XXXX XXXX XXXX was declared a total loss. The incident occurred only 2 weeks of getting it. I called my lean holder, TD Auto, to inform them of the situation. After informing them of what was going on they told me to hold of on making the payments, that i only had to worry about making the interest payments. The whole loan was payed of by the insurance and gap insurance. I was then hit with a late payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Capital One has been made aware that their has been fraudulent activity using my Social Security Number and name. Someone added an authorized user on my account with a separate card sent to them at a different address. Requested that the accounts be closed. Two months  later I receive a request for copies of my drivers license and social security card in order to open a new account. Someone had placed a hold on my mail around this time, contacted them and said that I had not applied for a card and to close any accounts. They said it would be taken care of, a couple days later I received a notice stating my new card was sent and I should have received it by now. Called again and the first person said there was an account open and connected me to their supervisor who stated that all accounts were closed. Called again today because I saw that a letter from them was supposed to have arrived today and had not. Apparently another account was opened in my name, what am I supposed to do? My credit reports are locked at two of the  reporting agencies yet they keep opening accounts?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am an ITIN recipient. I am in the process of buying house with a HUD certified housing agency called XXXX XXXX XXXX in XXXX, IL. 

Through a bank called XXXX XXXX, a credit report was pulled to pre-approve me for a mortgage. Through an XXXX credit report, I discovered an error. My neighbors credit cards from Citi Bank are present on my credit report. 

I've gone to Citi personally with my neighbor to get assistance with the error. Citi refused to write me a letter stating the error that I can give to XXXX XXXX so they don't count the large debts against me. 
Citi bank refused to write me a letter or help me in any way. I then contacted Transunion over the phone, I spoke to someone named XXXX, who said she can not help me because I have an ITIN number. 
At this point, I don't know where to turn for help. I am getting assistance from The XXXX XXXX who has mentioned the help you give consumers like me. I really want to buy a home and I am almost there. This error is in the way of that. 
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 2019-04-02
Company: Commonwealth Financial Systems, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
2 Years ago Commonwealth Finance tried to put a debt of {$730.00} that was not owed by me into collections and I received a derogatory mark on all 3 of my credit bureaus. I called them and explained that they had the made a mistake and my last name is different than the person who had the collections account with them. They removed the account from all 3 credit bureaus and now 2 years later they randomly popped back up into my credit report. They are trying to intimidate me to pay a debt I do not owe. I get calls every day and it is driving me insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
MY MOM HAD PUT A CHECK INTO MY ACCOUNT AND I DIDNT KNOW UNTIL THE BANK CALLED ME AND TOLD ME THAT THE CHECK WAS NOT REAL SO I ASKED THE BANK WHAT SHOULD I TEY TOLD ME TO FILE A POLICE REPORT AND I SHOULD BE FINE AND THATS WHAT I DID AND THAT WAS NOT TRUE THE CLOSED MY ACCOUNT AND THEY REPORTED IT TO EARLY WARNINGS SYSTEMS I GOT LIED TOT HE WHOLE WAY AROUND

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-18
Company: AmeriHome Mortgage Company, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
New home constructed XXXX, purchased in XX/XX/XXXX. Lender calculated property taxes into PITI. Loan then bought from lender by AmeriHome. XX/XX/XXXX, AmeriHome sent ltr increasing Escrow tax  deduction w/o explanation to be eff XX/XX/XXXX. My research disclosed XXXX County, AZ documents that property was to be assessed for tax years XXXX & XXXX as 'Vacant Land '. I sent 3 email msgs to AmeriHome w/county document. AmeriHome did not accept county document or my challenge. XX/XX/XXXX, ltr to AmeriHome asking for answer to email msgs & decision. XX/XX/XXXX, lady called from AmeriHome tax dept saying they had document from XXXX County that taxes due XX/XX/XXXX exceeded {$2200.00}. She declined to provide copy of document & said she'd call back in 2-3 days - no call or ltr to date. Called County Treasurer & told no ltr was sent to AmeriHome & allegation of {$2200.00} taxes due in XX/XX/XXXX is false! He told me taxes are NOT assessed by Assessor until late XX/XX/XXXX of current taxable yr. The assessed value is then sent to Treasurer for review & evaluation. Treasurer ofc then applies County formula for taxing B/4 being sent to pty responsible for payment - ( 1st half in XXXX, 2nd half in upcoming XXXX ). Reaffirmed that my property was to be assessed as Vacant Land until XXXX tax year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: Park View Credit
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
credit was to be repaired for myself. the contract included for me making payment, my debts will be paid and my credit score will increase. I received a call from a collector, I tried calling PARK VIEW CREDIT and the line has been disconnected. unable to reach them, I am reaching out to you for assistance

Company response to consumer: Untimely response
Consumer complaint received 2018-01-16
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I have a VA mortgage through Wells Fargo, they did a loan modification in XXXX XXXX 2014. I had been every ill and fallen behind in my mortgage. When I was finally placed on XXXX, I was able to make payments again and I made several large payments that all in total was right at {$28000.00}, which was just a couple of payments short of the total amount I owed. None of this money was ever applied to my principle, it was held in a non-interest-bearing account for several months, roughly a year. I had been working with their home preservation department for several months, wanting to simply bring my loan current. I had the funds to do that. They refused to accept my payments and told me I would have to apply for a loan modification. I was not allowed to attend the event they hosted in XXXX, but was instructed to be at the XXXX event a few weeks after they were in XXXX. XXXX is about 70 miles south of me and I still had health issues, so it was not easy for me to make the trip. I did arrive as instructed, with all of my required documentation. I went from station to station providing them with whatever they asked for. These Wells Fargo staffers were from all over the country, some were from North Carolina and others from XXXX, Im sure there were other locations I did not meet. I was told repeatedly that I would know by the end of the day if my modification had been approved and if I would be able to keep my home. At one station I was told I would be locked in at 3.0 % interest on the revised mortgage. I was there until after close of business at XXXX. I was finally released around XXXX XXXX and told someone would be in touch within 24 hours. I drove 70 miles home. 
I called them several times over the next 30 days or so and again I was told they were working hard to save my home. Somewhere around the 30-day mark, I received a XXXX package with my loan modification paperwork. I was given one option, sign and mail it back in the enclosed envelope immediately, or lose my home. I signed it and XXXX it back. 
After reviewing the modification, {$31000.00} was added to the principle of my loan and my interest rate was 3.75 %, not the 3.0 % I was given at the event in XXXX. This means with the {$28000.00} I had already paid in, I was only three payments behind, the third coming because of the time it took to process my loan modification., it was under duress and my {$28000.00} has disappeared. I assume it was consumed by excessive fees and closing cost for this modification that was totally unnecessary. I have attached the cover page of the loan modification to show the cost.

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 2022-01-11
Company: Albert Corporation
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Albert checking/savings account opened ( estimated ) XX/XX/XXXX and signed up for genius XX/XX/XXXXXXXX XXXX XXXX  a monitoring service that monitors spending at {$4.00} a month. After multiple months of requesting to cancel my account per their instructions starting XX/XX/XXXX Albert refuses to answer my texts or emails and continues to charge me for genius. 

I have sent multiple texts and emails requesting to close my account, to no avail. I have written a letter notifying them I am pursuing legal action. No response other than an automatic response. I sent a withdrawal of consent to contractual terms. No response. 
It is XX/XX/XXXX still no response when they profess to return messages within hours. My account with XXXX XXXX was charged again last night. I want my money back and to close this account forever. 

XXXX XXXX

Company response to consumer: Closed with explanation