BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report 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 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 disputed all the negative information, collections, derogatory accounts, and public records on my account. I have also disputed inquiries that I didnt authorize. 

XXXX, Transunion, and XXXX  are reporting all of my accounts with different account numbers, different open dates, different closed dates, different amounts, and different payment histories. This is affecting my ability to obtain stable housing, as well as obtaining credit for necessities. 

They are providing false information to anyone who tries to pull my credit. I would like a credit sweep of all 3 bureaus, and all negative information, derogatory information, collections, and inquiries be deleted immediately due to the false information that all 3 are providing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: Ray Klein, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
PROFESSIONAL CREDIT SE has put a collection on my account on my XXXX credit report. I do not know who this company is. I have never done business with them. They are causing me ongoing damage by falsely claiming I owe them a debt. They say I have a past due amount of {$640.00} past due. I do not have a contract with them on anything and they claim the original creditor is XXXX XXXX XXXX XXXX. I have paid my balance to XXXX XXXX XXXX XXXX. The account # is blocked, I can only see XXXX. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: AmeriCollect
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
AMERICOLLECT INC. ( ON BEHALF OF XXXX XXXX XXXX XXXX ) IS TRYING TO COLLECT AND CLAIM TWO DIFFERENT AMOUNTS THAT ARE OWED ACROSS TWO DIFFERENT CREDIT REPORTING AGENCIES. 

ON THE LATEST XXXX  CREDIT FILE, AMERICOLLECT INC CLAIMS THAT A TOTAL OF USD XXXX WAS OWED AND POSTED A COLLECTION ON MY ACCOUNT FOR USD XXXX. 

I TOLD THE REPRESENTATIVES I SPOKE WITH THAT I HAVE NEVER RIDDEN IN AN AMBULANCE BEFORE AND MY IDENTITY AND MEDICAL HEALTH INSURANCE CARDS WERE LOST OR STOLEN AND SOMEONE MADE 8 ADDITIONS TO MY POLICY PLANS AND ADDED 8 ADDITIONAL DEPENDENTS BUT THE REPRESENTATIVE WAS JUST INTERESTED IN GETTING HER SHARE OF THE COMMISSION FROM THE COLLECTIONS AMOUNT. 

THE SAME COMPANY AMERICOLLECT INC REPORTED ON XXXX  THE SAME DEBT BUT FOR THE MAXIMUM OF USD XXXX INSTEAD OF USD XXXX FOR THE SAME ACCOUNT COLLECTION ON BEHALF OF XXXX XXXX XXXX XXXX. 

THEM CLAIMING TWO DIFFERENT ARBITRARY AMOUNTS UNJUSTIFIED THAT IS SO FAR APART FROM EACH OTHER ( OVER XXXX USD DIFFERENCE ) INDICATES THAT THIS COMPANY AMERICOLLECT INC IS BEING FISHY AND JUST PULLING FIGURES UP FROM THE AIR WITHOUT ANY CONCRETE BASIS OR JUSTIFICATION AND I WILL BE ATTACHING BOTH XXXX  AND XXXX DOCUMENTATION TO THE CFPB TO SHOW HOW ARBITRARY THESE COMPANIES JUST CHOOSE WHAT AMOUNT THEY WANT TO USE TO HARASS YOU TILL YOU CAVE IN AND PAY UP. 

I HOPE THE CFPB ON THE STATE ATTORNEY 'S OFFICE WILL PROSECUTE THEM CRIMINALLY FOR THEIR MISCONDUCT AND FRAUDULENT PRACTICES OF COLLECTING ARBITRARY AMOUNTS THEY CLAIMED IS OWED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to contact my mortgage company for 3 weeks. I have sent email and tried to contact the on their XXXX phone number. The emails tell me to call the phone number and when you do it goes into an automated system that you can't get to a representative. In my area we have suffered from a major disaster, we had 2 dam failures that has destroyed have of our town, including my home. I'm am attempting to get a loan modification. But I can not get to a person to discuss the problem!! I would like help!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I HAVE NOTIFIED ALL THREE CREDIT BUREAUS ABOUT XXXX XXXX  XXXX XXXX BEING ON MY CREDIT REPORT. I XXXX XXXX XXXX DOES NOT NOR HAVE I EVER HAD A XXXX XXXX ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
TransUnion  File # XXXX Date XX/XX/2018 Personal Information : XXXX XXXX XXXX XXXX I have not ever used to obtain credit. I need for TransUnion to provide documented proof of this such name was or used for any type of 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 2020-10-11
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Equifax, XXXX, and XXXX is not validating accurate information of child support showing up on my credit reports. The information is wrong and not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive multiple calls daily from Portfolio Recovery and at all hours of the day so they are not only harrassing me but they call all day long. They also call from different numbers in different states each time and have threatened me with legal action and foul language saying that if I don't pay that they'll have me arrested and will sue me. The debt they claim I owe was paid after I accepted an offer from the creditor for a lesser amount but they are trying to say that I never paid it. I am getting very frustrated and have tried to work this out with the debt collection agency but they have been very rude and unwilling to listen and continue to harass me several times a day to where I don't even answer anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-28
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
On XX/XX/2017 a letter was sent by myself to CitiBank regarding a credit card that we were having trouble keeping up on the payments. We were working with an advisor who told us to send a letter about the situation and and ask to speak with them. Part of the letter sent is attached. The other portion just stated our hardship and we were looking to work with Citi to get this situation resolved. We did receive a letter back and all it stated was to call them. I began calling on XX/XX/17 when the letter arrived. I have attached my call log but also provided a summary here. I was never allowed to speak with anyone regarding the account. Each phone call I was just told account was under review and given a date as of when to call back. When I called back at each date given, I was told once again account was in review, no one could speak with me. The date to call back just kept getting later in the month. In total, 5 phone calls were made by me and I was never spoken to about anything regarding the situation. The ID numbers provided by the representatives who answered the phone are also provided in the log I have attached to reference each call. On the last call XX/XX/2017 I was told the account was sold. They would no longer speak with me. This was not even to the date of XX/XX/XXXX that they said would be when to call back. I just kept calling even before the dates given to try to get some sort of communication and resolution. The account is now in collections without any communication from Citibank and never once being able to speak with anyone at the company in any manner or form. They did not reach out except the letter in the beginning that said to call. Again I did. Again they never took the calls. The dates given as to call back to speak to someone just kept getting extended until one day, 4 days ahead of the date I was told to call, they said they would no longer speak to me.

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 2018-02-13
Company: Caliber Home Loans, Inc.
State: AZ
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 had a mortgage from XXXX originally. Then was bought by XXXX  XXXX XXXX after getting a modification and then making my payments on time for almost a year in 2012, Then after sending my payments still on time. XXXX XXXX XXXX then the mortgage was then bought by Caliber Home Loans, Again all my payments were made on time. I have documents proofing this. I asked XXXX, XXXX   and XXXX and sent the documents that I have from my XXXX XXXX  account proving the dates of payments. I received a letter back from XXXX that they would not change the lates on my report from both XXXX XXXX XXXX and XXXX XXXX XXXX. I have been working on this for three years to get this straight and my credit report accurate and have no late payments from either XXXX  XXXX XXXX or Caliber Home loans since 2012.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: U.S. BANCORP
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Had an account opened in 2008 with US Bank. Overdraft that same year. Now these people keep calling different " law firms " saying the bank is suing. When I called the bank they had no idea of what I was talking about. One number these people keep calling from is XXXX. I don't have the other number.

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 2021-05-04
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:
To whom it may concern, I am writing this complaint because I have been bullied by the credit bureaus. I have been trying to dispute with the creditors ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX ) and credit bureaus ( XXXX, Transunion, and XXXX ). All three Beurues have been unresponsive and have failed to properly verify my information with the creditors. I just finished getting off the phone with XXXX  and I was told that I had no idea what I was talking about and that their responsibility as a credit reporting agency was not to verify the information by the creditor but to report the information that the creditor had on file. That to me was a slap in the face. I need help with these monster companies. I have specific documentation attached to this complaint that shows that I have tried everything with these companies and have gotten no responses. Please help me. I am frustrated and tired of being taken advantage of by these companies. Like I mentioned before, XXXX, Transunion, and XXXX do not verify my disputes and they refuse to verify my hard inquiries as well. 

Please reach out if you have any questions. 

XXXX XXXX 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 2019-05-28
Company: The Outsource Group, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have a medical debt, and the hospital transfer to collection company which I understand, Now the collection company call me and promise me that if I paid in full they are going to remove the collection from credit report. I paid on XX/XX/XXXX of 2019 and one month late the collection is still in my credit report. 

Is not fair that they promise remove that and they didn't.

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 2019-11-17
Company: Netspend Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem adding money

Complaint:
I bought a prepaid card from paypal at XXXX and put XXXX on the card. they said I could use the card as soon as I got home that it was loaded got home.I tried to use it and it was declined. I called the number to activate card no one answer the phone. I keep calling next day. the number on the card is XXXX it say can not take the call at this time. Two weeks later I get a card in the mail and the same thing again. all I want is my money back. the reason I got the card for is over and I lost what I want to buy.

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 2021-05-04
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Since XX/XX/XXXX I was offered an option to postpone payments due to pandemic. I accepted a six month extension which expired in XXXX. Since XXXX I have been attempting to process this loan modification documents with no success. Every time we submit documents, there is always a discrepancy found. Either a missing signature, we did not sign correctly and so on. They were kind enough to send their notary public and still the documents were declined. Up to this day XX/XX/XXXX we are still waiting for approval of these documents.

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 2018-06-11
Company: Experian Information Solutions Inc.
State: MO
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:
On XX/XX/2018 I called XXXX and Experion. I spoke with rude customer service agents after I was on hold for hours. The customer service agents denied me the right to dispute items on my credit report even though the items are incorrect. XXXX and Experion refused to let me dispute false information on my credit report. They act like they are working with the companies against my best interests. XXXX/Experion 's debt verification process is flawed and outdated.

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: Experian Information Solutions 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: Public record information inaccurate

Complaint:
on XX/XX/2020 I sent letters to XXXX, Experian and XXXX  stating the information that they are reporting is inaccurate and it needs to be removed according to the FRCA section 611 ( a ) ( 1 ) ( A ) and they have yet to remove the public information. on XX/XX/2020, I contacted the United States Bankruptcy XXXX and they have informed me that they did not violate the FEDERAL PRIVACY ACT of 1974-5 U.S. CODE section 552a. they did not disclose my information to an credit agencies. Also these bureaus are in violation of FRCA section 609 by not providing me with verifiable proof of any original signed contracts bearing my signature as required by federal law. which was sent to them on XX/XX/2020. they have also exceeded the time allotted by law to remove these items off my credit file

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 2018-12-28
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX XXXX I applied with Wells Fargo for a loan modification, I was denied each time. I went to a local group, XXXX XXXX XXXX who advocated for me to get a loan modification that was approved in late XXXX or early XXXX. I have consistently made my payments on time. In XXXX I was advised by someone to call Wells Fargo to see if I could lock in at my current interest rate of 2 %. I called and spoke at length with a representative that said that I could and she would be happy to assist me with this. I always had problems tracking my account and payments on the Wells Fargo website and she said it was no problem, that she would be happy to send me my mortgage monthly payment amount for the life of the loan, I wanted to get this in writing because of all the problems I have had both current and in the past with this lender. I was shocked when I received notification in late XXXX that beginning in XXXX of XXXX my locked in interest rate of 2 % would be going up to 3 %. I immediately called Wells Fargo and after extensive time on the phone, it was really exhausting, they would get back to me. I forwarded to them the document that promised a 2 % loan rate for the life of the loan, excluding insurance and tax increases. I received a very pompous telephone message from a XXXX XXXX, who was so unprofessional with his snide remarks over the telephone message that the document was not going to be honored. I will attach them when I can within this complaint.

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 2018-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by your XXXX/XXXX of a fraudulent application submitted with his information without his consent. An inquiry was made into his XXXX credit report XX/XX/XXXX related to that fraudulent inquiry. While no account was established the application left the fraudulent inquiry. An official dispute of this activity was mailed certified return receipt to XXXX  XX/XX/XXXX however as of this date no reply has been received and no update has been given. The same activity happened with XXXX XXXX XXXX ( Ref #  XXXX concerning the fraudulent application ). An official dispute was faxed to the fraud department of XXXX XX/XX/XXXX and to this date no reply or update has been provided. Lastly, Capital One did have an account established ( acct # XXXX ) using my client 's information without his consent. This account has a balance of {$3000.00} dollars associated ; an official dispute was mailed certified with return receipt XX/XX/XXXX however as of this date Cap One has failed to reply or update the status of this dispute. These actions by these bank illustrate the failure of these bank to follow the FCRA and how the rights of consumers are still being violated.

Company response to consumer: Closed with explanation