BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-04
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: Account status incorrect

Complaint:
For my credit report with XXXX, Transunion & XXXX on XX/XX/2021 my credit score dropped by 83, 85 and 81 points respectively. I have currently 2 open credit accounts ; one with XXXX XXXX XXXX  for an auto loan and one with XXXX XXXX XXXX for a credit card. I am in good standing with both lines of credit and have NEVER missed any payments. I have 10 closed accounts in which none of them have been closed recently. I have 3 credit inquiries with the most recent one being in XX/XX/2021. I additionally have no derogatory marks on my credit. My credit card balance as of XX/XX/2021 was {$1800.00} but I have since paid off that balance in full which is well before the due date of XX/XX/2021. As I mentioned before, I am in good standing with every lender and I have never been late or missed a payment of any kind. I believe this was an error by XXXX, Transunion & XXXX and my credit score should be returned to what it was in the previous 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
Consumer complaint received 2018-12-05
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
4 years ago i had a TD Bank Bank account i keep it in good standing paying all these fees to them. on XX/XX/2014 they overdrafted my account illegality and accept a farude payment made by a merchent that i did not give authorization for to take form my account. in turn they sent me a threating letter of personal harm stating that i am in debt to them. They have broken the law and caused me not to have a bank account with other banks with their Negligence going close to Gross Negligence they did not make me whole and to this day they keep on trying to collect a fraudulent payment that they say i owe them. for 4 years i have been trying to fight these people and they just ignore me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have tried at least 3 times to get these inquiries off my report before making this complaint, there are 9 inquiries on my report that I DID NOT authorize and they need to be deleted. The Following inquiries need to be deleted : 1. XXXX   XXXX  XX/XX/2018 2. XXXX XXXX XXXX XX/XX/2018 3.  XXXX XXXX XXXX XX/XX/2018 4. XXXX/XXXX  XXXX XX/XX/2018 5. XXXX/XXXX XXXX XXXX XX/XX/2018 6. XXXX/XXXX XXXX XXXX XX/XX/2018 7. XXXX/XXXX XXXX XX/XX/2018 8. XXXX XXXX  XX/XX/2018 9. XXXX XXXX XXXX XX/XX/2018 I did NOT authorize these inquiries and I DO NOT want them on my 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 non-monetary relief
Consumer complaint received 2021-11-04
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
For my credit report with XXXX, XXXX & Equifax on XX/XX/2021 my credit score dropped by 83, 85 and 81 points respectively. I have currently 2 open credit accounts ; one with XXXX XXXX Bank for an auto loan and one with XXXX XXXX XXXX for a credit card. I am in good standing with both lines of credit and have NEVER missed any payments. I have 10 closed accounts in which none of them have been closed recently. I have 3 credit inquiries with the most recent one being in XX/XX/2021. I additionally have no derogatory marks on my credit. My credit card balance as of XX/XX/2021 was {$1800.00} but I have since paid off that balance in full which is well before the due date of XX/XX/2021. As I mentioned before, I am in good standing with every lender and I have never been late or missed a payment of any kind. I believe this was an error by XXXX, XXXX & Equifax and my credit score should be returned to what it was in the previous credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: ENCORE CAPITAL GROUP 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 information incorrect

Complaint:
Midland credit for the whole month of XXXX every week have been increasing my debt by {$1.00} then next week decrease it by $ {$1.00}. This is absolutely ridiculous and illegal. My score I has just decrease 39 points because of this tatic they are doing. I dont own that account and they has no right accessing my ctedit file to do this tactic. I will include proof of whats happening and I want them held accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: EQUIFAX, INC.
State: CO
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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: ACIMA CREDIT, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I didn't authorize this company to have my information nor, did I authorize this account. This account was placed on my credit from a fraudulent account that I didn't authorize and I demand that its removed. XXXX BALANCE { {$2400.00} } This is Fraudulent and not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My complaint is in regards to my Citi Diamond Preferred credit card which I applied for and obtained several years ago. At the beginning of the Covid-19 crisis I received an email from Citi simply stating that they closed my account.

I wrote to them stating that I did not want my account closed ; that I guarded that credit card carefully and kept it only for emergencies ( I am XXXX, poor, and a flat tire is actually a " crisis '' ). I had no balance on that card. I a
m a responsible consumer and only wanted to keep that card for when I needed it.

Now I do not have that safety net.

No explanation.

No reply to my email. 
I understand Citi is allowed to do this to me. That is my complaint - that they are allowed to cause real harm to me by vanishing my safety-net - without justification or explanation. My credit score at the time was approximately 800. There was absolutely no justification or cause. They apparently profiled me and somehow learned I was sick, I am thinking is a real possibility of why they did this - which is in violation of some disabilities law. 
They only treat poor and powerless people this way. It is wrong. 
I want my card back. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Card Number : XXXX. Citi Diamond Preferred Mastercard.

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 2021-02-21
Company: Experian Information Solutions Inc.
State: OR
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:
In XXXX I took out a home improvement installment loan with XXXX XXXX XXXX to install solar panels on my home. The next year I sold the home but continued paying the installment loan. In XXXX my business failed and I was near bankruptcy. I decided to pay as much as possible to all existing debt rather than file for bankruptcy. I made an agreement with XXXX XXXX. and they charged off the remaining amount of {$6500.00} in XXXX of XXXX. In XXXX of XXXX I applied for a home loan to purchase a new house. I was denied and told I had credit concerns involving a past Home Mortgage loan. I have never missed a mortgage or rent payment in my life. 
I called and found that XXXX XXXX reported to the credit bureaus the home improvement installment loan, but the XXXX report FALSELY labeled the loan as a Real Estate Loan/Mortgage loan. I asked XXXX XXXX to fix the error. They sent a detailed letter to the credit reporting companies telling them it was a " Home Improvement Installment loan. '' They apparently ignored the letter and nothing was changed. ( see attached response from XXXX ) This error will prevent me from qualifying for a home loan for 4-6 years!

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 2018-02-26
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Seems that Discover Bank is at it again, I received a letter from XXXX XXXX, XXXX claming that I owe XXXX XXXX $ XXXX I have never had a card from them. 
Seems that the money was transferred to a discover bank account!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
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:
I've been damaged due to COVID-19 by loosing my employment and still waiting for Unemployment. I contacted my creditors one being XXXX XXXX  to inform them and request assistance. I was given a letter stating two months payments would be waived due to the Pandemic and my situation. I thought XXXX XXXX was here to help consumers during this pandemic but they have done nothing but hurt my credit. I was informed that two months would be waived along with late fee, although I still made payments and managed to pay off some of my accounts, XXXX XXXX reported to the credit reporting agencies XXXX, XXXX and Transunion that the accounts were 2 to 3months late when they had informed me that I didn't have to make any payments for two months and late fees were waived. This reporting has caused more damaged to my credit by having other cards closed and credit limits decreased due to their reporting. It is my understanding that due to the Pandemic ( Cares Act ) creditor are suppose to work with consumers and prevent from damaging their credit and credit reporting agencies should not report anything negative on consumers credit during the Pandemic. XXXX has damaged ones credit but advertise they are here to help consumers.. 

Negative information has been reported to my XXXX XXXX XXXX XXXX XXXX all have caused damaged to my credit. I have never had any late payment history until now.

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 2021-10-08
Company: EQUIFAX, 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 was shocked when reviewed my credit report and found late payment on the dates below. 
Creditor : XXXX XXXX XXXX  Account # XXXX I was never late 30,60, or 90 days late in the months of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX I am not sure how this happened. I have always made payments in full and on time to you when I received my statements.my only thought is that there was a billing error with my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Someone hacked my account and stole XXXX dollars on XX/XX/2021 ... and b of a said I was liable after a 2 day investigation

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 2020-12-13
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband a refinance a mortgage with New Rez. We never received a copy of the documents we sign. We ask for a copy at closing. We spoken to the company twice and during these conversations asked for the documents as well. I am not on the mortgage but on the title of the house. I can be reached at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXXXXXX {$3100.00} XXXX   XXXX {$450.00} XXXX XXXX {$3800.00} XXXX XXXX {$5600.00} XXXX XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: AMERISAVE MORTGAGE CORPORATION
State: CT
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, I have been uploading the information needed to have my mortgage reviewed for approval to move forward with my application which was granted a year ago for forbearance due to a lack of hours with my employer.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After submitting a request to Equifax on XX/XX/2019 to freeze & add fraud alert on my credit profile. As of today XX/XX/2019. The company has yet to respond to my request. This is a violation. 


In addition, XXXX XXXX XXXX XXXX still reports as verified even though the information being reported is inaccurate and a violation of FCRA. 

XXXX XXXX XXXX  XXXX- currently reports a reaged account. This is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: ENCORE CAPITAL GROUP INC.
State: LA
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 disputing this item with Midland funding for almost five months now. I have retained all my correspondence for evidence if I have to take this matter to court. 
All I want is the error corrected and deleted from my report. 
Midland Funding is claiming to be trying to collect a debt on behalf of a company that claims I dont even owe them which is XXXX XXXX XXXX. I requested written verification of the debt to prove that this charge is indeed valid and not fraudulent as is within my rights under the FCRA and the only responses I keep getting from the company are attempts to delay the deletion of the item. They have never produced anything more than a doctored bill with an address and balance on it that is in correct. I owe both companies nothing. 
They cant even prove the account is mine and I didnt ask for anything out of my rights under the FCRA. I plan on taking this company to court for damages and violations of fair credit reporting act. This is my final attempt at settling outside of court. On XX/XX/XXXX I received the letter I am attaching which is the third correspondence from this company and this is all it says verified which is not telling us a method of verification. No court will just take their word for it and its unfair that they are holding my credit report hostage. 
This company is harassing me via phone and mail and I am officially revoking their right to contact me unless it is to state the previously requested verification or to notify me that this item as been removed. Im sick of playing ring around the Rosie with them! This is against the law and I am filing a lawsuit IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-31
Company: EQUIFAX, INC.
State: PR
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 tried several times to informed them that the XXXX and the XXXX credit reports information of creditor XXXX XXXX XXXX is wrongly showing an account opened on XX/XX/2013 with a balance of {$3400.00}. This credit report information do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
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: Information belongs to someone else

Complaint:
filed ftc accounts names address not mine XXXX XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. {$180.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$420.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. {$190.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$480.00} Date OpenedXXXX Dispute Installment Loansshow tooltip button XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. Deferred, payment date not reported Account TypeAuto Loan Balance {$7000.00} Date OpenedXX/XX/XXXX Detailsunder dispute icon

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