BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-23
Company: EQUIFAX, INC.
State: MD
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 recently disputed this account listed below. 
XXXX XXXX XXXX XXXX  XXXX # XXXX As a result it was verified and updated on XX/XX/20. I'm requesting your verification method used to do so. Also I'm requesting any authorized documents on this account for it is unknown to me. SEE ATTACHMENT OF MY ORIGINAL CREDIT REPORT THAT SHOWS ACCOUNT IN QUESTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information is missing that should be on the report

Complaint:
Dear who may be concern, My name is " XXXX XXXX XXXX '' .I request investigation on those items I list below as they are inaccurate and not belong to me. 
If inaccurate, they must be removed in order to show my true credit history, as these items should not be on my Credit Report. According to the Fair Credit Reporting Act, I expect you to complete this verification within 30 days. 
**Name Reported** _XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
All of these name above are incorrect, The most accurate name would be report is only " XXXX XXXX XXXX ". 
**Employment info** _XXXX XXXX XXXX XXXXXXXX XXXX XXXX These employment information is not mine, please delete it. 
**Addresses Reported** XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX These address is not mine and incorrect. I have listed proofs of my current address in the attachment below. 
**Credit cards** _XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX I never receipt any loans or credit from this company. Please delete it!! 
_ XXXX XXXX XXXX  XXXX XXXX Reported : XX/XX/XXXX This charge off account is not mine, Please delete it or provide me full documentation. 
_XXXX XXXX Reported : XXXX. XXXX, XXXX This account state that I have lated payments on XX/XX/XXXX, XX/XX/XXXX. However, I never late and paid on time. Please update payment agree. 
**Other Loans** _ XXXX Reported : XXXX. XXXX, XXXX I never used XXXX service. I have been using XXXX for years. I have attached my proofs payment with XXXX I don't own XXXX any money. Please delete!!! 
**Account** XXXX Inquiry : XX/XX/XXXX This account isn't mine, delete it!! 
**Account** XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX I never receipted any loans or credit from this company. Delete it!!

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 2019-06-19
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I Went To XXXX XXXX XXXX & put a XXXX down payment on a vehicle my first month Carnote was due XX/XX/2019 my sales person instructed me to pay in cash XXXX to the dealership. On XX/XX/2019 my car was repossessed due to a 72 day behind payment which was the first carnote payment i called my bank and told them that i paid my dealership the first car note of XXXX and i have the receipt the bank stated they havent received anything, when i spoke with the dealership they stated that Santander bank took that out of there check, Santander bank wants me to pay off & also i am a first time buyer, they said it was a 24-48 hour investigation but it appeared on my credit in debt the same day

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hello, I sent a letter disputing for inquiries and accounts that are not mine to be removed from XXXX, Transunion and XXXX XX/XX/2021. I never received any response back from them. The credit company is not complying with their own policies in a timely manner.

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 2020-06-23
Company: CITIBANK, N.A.
State: VA
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:
On XX/XX/XXXX, I started receiving fraudulent charges from XXXX in the amount of {$14.00}. I immediately disputed the charge with Citi. I paid the remainder of my bill in full. On XXXX XXXX, I received a credit in the amount of {$14.00} for the dispute. On XX/XX/XXXX another fraudulent charge was made from XXXX in the amount of {$14.00}. I again disputed the charge and had the credit card number changed. On XXXX Citi reversed the XXXX credit and charged me {$14.00} and interest for balance. I again disputed the charge. On XXXX, Citi charged me a {$15.00} late fee and more interest for the balance. I again called and disputed the charge. On XXXX Citi credited me {$14.00} for one disputed item and {$1.00} for a minimum charge credit and assessed late fee and interest of {$15.00} on XXXX. On XXXX Citi again assessed me late fees and interest in the amount of {$15.00}. 

I have made 15 telephone calls to Citi attempting to resolve this issue. The entire issue stems from fraudulent charges to my account from XXXX. I have been assured numerous times by Citi representatives that I am not responsible for the fraudulent charges, but fees and interest continue to accrue.

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 monetary relief
Consumer complaint received 2020-11-04
Company: Aspen Yo LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My mortgage was transferred from XX/XX/XXXX XXXX XXXX XXXX Gregory Funding in XXXX in 2020. 
My taxes and homeowners insurance were escrowed with them. The lender did not pay the homeowners insurance policy when it was due, and my policy lapsed. In XXXX there was storm damage to the home and when I contacted my insurance agent to make a claim, i was informed the policy was not in force and I was not able to make a claim for the storm damage. In XXXX I sold the home and the lender did not respond with a payoff until the day of closing, after several request to them by the title company an myself. We closed the sale and paid off the mortgage on XX/XX/2020. the next week i received notice from the county that the property taxes were not paid from the escrow account by the lender and i owed the tax and late fees. On XX/XX/2020 I received a late notice from the lender that the XXXX payment was past due and I'm in default. Finally, on XX/XX/2020 the lender contacted the title company stating they will not satisfy the mortgage as the quoted the incorrect payoff amount and asked that I send them an additional {$2400.00}. They said the reason for the error was that they paid the property taxes after they submitted the payoff to the title company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
On XX/XX/XXXX, I received an alert from XXXX stating for me to check my credit because a change had took place. The change was on XX/XX/XXXX Synchrony Financial had closed the credit card account. I haven't been late, I haven't been charging anything on this card just paying monthly as agreed. With this Company closing this account for no reason other than being cruel is going to negatively effect my credit report. And I still owe a balance on this account and I have until XXXX to pay the entire amount I owe .On XX/XX/XXXX I telephoned Customer Service of this company and all I was told that I would be receiving a letter in the mail. My point is why would this company close an account and put this information on my credit report I am not a risk to this company I have been paying properly. But I have read many reviews on many different sites about this company and many people are receiving the same behavior/treatment as I. I need to know why is this company purposely destroying consumers 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 explanation
Consumer complaint received 2020-06-23
Company: PORTFOLIO RECOVERY ASSOCIATES 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 status incorrect

Complaint:
I disputed that Portfolio Recovery was first an inaccurate account. It was collection purchased from XXXX XXXX that was taken off my record then recently put back on questionabley? After realizing it would take to long for me to clear them via dispute I called and made a settlement agreement to close the case and payed the amount via debt card. They now say I owe them another payment that is significantly effecting any chance of building better credit when an agreement was set. They reported to all three and tarnished my record. This is a complete violation of privacy and trust. I have proof that the account was paid in full and money was taken from account. I feel extorted from the phone calls to the lies to the more payments and now i dont know if my credit will ever reflect my honest payments. I have gotten nowhere and need immediate relief! 

On XX/XX/2020 they updated my experian report 2 weeks before I they reported only to a third party app that I payed. They are tarnishing my record once again and insulting me by not taking accountability. This is the finally complaint and I will soon file in a court of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Loan # XXXX We have been working on solutions to avoid foreclosure. The Mortgage company always appears receptive, and then does the following once were close to foreclosure date. 

# 1. Says certain paperwork didn't receive in a timely manner. 
# 2. Paperwork missed a check box or was the wrong document. 
# 3. Says there is no paperwork received. 

This has happened over and over. The most recent situation is my next door neighbor made an offer and the mortgage company said they would open my loan for a short sell. I sent them the paperwork, and then followed up on-line. They closed my access to the on-line area and said just to print off the paperwork I needed, and send it, which I did. 

They then said they didn't get it in time, and have moved forward with foreclosure. I don't believe they want a resolution on this property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-10-15
Company: Experian Information Solutions Inc.
State: OH
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:
I have filed a dispute and info still has not fallen off. I filed a complaint with the CFPB and finally got a response in XXXX. They responded to the complaint by stating that it would be removed in XXXX. Its still on there. Refer back to complaint 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 2019-06-20
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
According to the FCra I have the right to ask midland funding to verify the account ending in XXXX because on XX/XX/XXXX midland funding account ending in XXXX was filed with the I.R.S. dept.under a code C which means the account was to old to be reported for payment due.Its canceled debt and has been for 11 months, please verify your account or close your collection from my credit report. -- -- -- -- -- -my 1099-c/1096 form was sent to the c.f.p.b. XX/XX/XXXX by u.s. mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: EQUIFAX, INC.
State: FL
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:
To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains a late payment/payments reported on XX/XX/2018 for my XXXX XXXX account. 
I want you to know that I understand my financial obligations, and if it werent for an ongoing divorce and a short notice eviction, along with serious medical issues leading up to my hospitalization following surgical complications Id have an excellent repayment record. I made a mistake in falling behind, but I have learned how to manage my finances Since then, Ive had a spotless record of on-time payments. 
Im planning to apply for a mortgage and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment/payments on XX/XX/2018. 
Thank you for your consideration, and I hope youll approve my request. 
Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE THAT I AM NOT LIABLE TO. PLEASE HAVE THE NEGATIVE ITEM 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 2019-06-20
Company: Ray Klein, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2019, I requested a validation of debt to Professional Credit Service ( PCS ) via US Mail. The alleged debt is {$200.00} from XXXX XXXX. I requested documents to be sent to me via mail, and I informed the company to cease all telephone calls and robo calls to me, family member, friends, and associates according to the Fair Debt Collection Practices Act ( FDCPA ). The company sent me a letter XX/XX/XXXX requesting additional information. I sent another letter on XX/XX/XXXX explaining to them that the only information I had was the information reported in my credit file. For the second time, I sent PCS a copy of my credit report which shows their information. I do not owe this debt. 

On Wednesday, XX/XX/2019, a representative ( XXXX XXXX ) from PCS called me from ( XXXX ) XXXX at XXXX on a recorded line. This company, Professional Credit Service, has violated the FDCPA by calling me after I insisted them to cease collection and calls. 

Until this date, the company has not provided validation of debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-23
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
PNC is not allowing it's customers access to link their banking account with online services. In my particular case, I attempted to link my PNC checking account with the well known investment service " XXXX '' only to be met with an error. The error being that PNC is not allowing customers access to their own money via trusted third party applications. As a PNC customer I should have the right to link my account voluntarily with financial services that could stand to benefit me. This is my own money in which I have earned. It is not fair to their customers to prevent them access to their own accounts when larger banks such as XXXX XXXX or XXXX  XXXX XXXX customers do not have these issues. This policy only stands to inconvenience their own customers and I believe I will be looking to bank elsewhere because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 AM A VICTIM OFIDENITY THEFT. I WAS ADVISED BY THE FTC AS TO MY RIGHTS AS AN IDENITY THEFT VICTIM. I SENT AN AFFIDAVIT. I WAS CARFUL TO INCLUDE ALL FRAUDULENT ACCOUNTS AND ADDRESS WHICH NEEDED TO BE REMOVE FROM MY ACCOUNT. I WAS INFORMED THAT THE BUREAU AFTER RECEIVING PROPER IDENITY THEFT AFFIDAVIT. IT HAD BEEN SEVERAL MONTHS AND XXXX XXXX XXXX SRE STILL REPORTING THESE FRAUDULENT ACCOUNTS ON MY PROFILE. THE LAW IS VERY CLEAR AS TO THE CIVIL LIABILITY AND REMEDY AVAILABLE TO ME ( SECTIION 616 AND 617 ) IF XXXX FAILS TO COMPLY WITH THE FEDERAL LAW. XXXX HAS FAILED TO COMPLY WITH THE FCRA LAWS AND THEY HAVE NOT BLOCKED OR REMOVED THESE FRAUDULENT ACCOUNTS WHICH WEREOPEN BY THE THEIF AND NOT ME. PLEASE CONTACT XXXX ABOUT THEIR ILLEGAL BEHAVIOR AND HAVE THEM COMPLY WITH FEDERAL LAW AND RESPECT THE RIGHTS OF IDENTITY THEFT VICTIMS.

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 2018-11-05
Company: FMA Alliance, Ltd.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They refuse to accept the fact that I'm not liable for the medical bills that was supposed to be paid by the insurance company due to an automobile accident Lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: Focused Recovery Solutions, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This is a follow up complaint to XXXX-XXXX, in which 1 ) XXXX, working on behalf of XXXX XXXX Hospital, claims I never revoked TCPA consent and 2 ) Focus Recovery Solutions, collecting on behalf of XXXX XXXX Hospital contacting me illegally with an auto-dialer. I am writing to share additional information and to contradict inaccurate statements in the company responses. 

I have a recording of my conversation with XXXX on XX/XX/18 where I unequivocally revoked TCPA consent. Here is a transcript : Agent - " Do you give us permission to contact you on your cell phone using the automated dialing system or pre-recorded voice for future inquiries? '' Me - " No. '' Agent - " OK. '' This TCPA revocation was reasonable and valid, yet was not documented across my accounts with XXXX which, at the time, were accounts ending in XXXX and XXXX. The representative did not ask if my revocation was subject to one account or the other, yet a future representative notified me on XX/XX/XXXX that I had to call in separately for each account. My inclination, which I fully intend to prove through discovery, is that XXXX was managing and collecting on both accounts, but XXXX XXXX Hospital spelled my name incorrectly on one. That is the reason why they did not notate the account. 

When account XXXX was recalled from their office by XXXX XXXX Hospital and placed with Focus Recovery Solutions, XXXX 's failure to honor my revocation resulted in me being contacted illegally by Focus Recovery Solutions via autodialer on XX/XX/2018.

Company response to consumer: Closed with explanation