BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-30
Company: U.S. BANCORP
State: OH
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:
According to my attached records, on XX/XX/2018, XXXX XXXX  XXXX XXXX placed an inquiry on my XXXX  Credit Report. Then on XX/XX/2018, XXXX XXXX  XXXX, filed a lawsuit on behalf of US Bank, as a debt collector, in violation of the Fair Credit Reporting Act.

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 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Hi, My name is XXXX XXXX and Transunion is accused in my case of multiple violations you can see in the attached documentation below. I would like the issues sent in my previous dispute fixed as they have sent in a false claim about a third party company.

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 2019-09-30
Company: Audit & Adjustment Co. Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went to apply for a mortgage and there was a collection account reporting on my XXXX  credit report. I have never heard of the collection before, I never received any written notification before it reported on my credit, it just reported. This is not legal. 

When I reached out to the collector, they claimed it was for a medical bill that was unpaid, but I have 100 % coverage on my insurance, so it was either already paid or it was a billing error from the original creditor. 

The collector told me if I paid it, they would remove it from my credit, so I paid them. It's been XXXX months and the account is still reporting on my credit and increased my mortgage payment by {$350.00} per month. I've experienced actual damages from this company breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
Victim of inquiry issue..numerous inquiries on my report that I dont recognize or gave permission to pull my report. Please remove all inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am writing to dispute the following information reported by XXXX on my Equifax credit report ; 1. The Condition of the account is Open, not Derogatory. 
2. The Status of the account is OK, not on a Payment Plan. 
3. My Chapter XXXX bankruptcy was Discharged on XX/XX/2016. 
4. The current balance of the account is {$320000.00} Enclosed you will find copies of documents supporting my contention. Please investigate this matter and correct the disputed items to reflect the true standing of my credit. I further request a written response within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
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:
I applied for new XXXX and XXXX service today. Surprisingly, I was denied. I was so confused when the representative told me it was because of bad credit. When I had my credit pulled I saw things on my report that l knew nothing about. I was advised to call the police and I did, also contacted the FTC. Please delete all these items as they are not mine. XXXX XXXX. XXXX/XXXX XXXX. 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 explanation
Consumer complaint received 2017-11-21
Company: DISCOVER BANK
State: NC
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: Card was charged for something you did not purchase with the card

Complaint:
Noticed a charge of XXXX. Called to dispute the charge was told I was bring charge for payment protection plan with discover card. I never signed up for the service but for some reason I was enrolled. Was transferred to have the service cancelled and was told that I had been enrolled since 2010. I asked for a refund for all the fees of the service but they told me I could only be refunded up to 6 months back. I talked to multiple representatives only to be told the same thing. Only going back 6 months was possible. That is n't right considering I was being charged for 8 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
Company: Santander Consumer USA 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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX repeatedly reports inaccurate account information ( date opened : XX/XX/2016 ) and without validation of the debt owe to the credit bureaus in violation of FDCPA and FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Lakeside Receivables LLC
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
This company keeps contacting me over a debt that is at least 10 years old, not even on my credit report. They constantly call and have sent me emails saying there is a warrant for my arrest. Im also pretty sure its not the correct amount I owe. And change amount owed in various emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I mailed a certified debt validation letter to XXXX XXXX XXXX, XXXX on the behalf of their client XXXX XXXX XXXX, XXXX on XX/XX/XXXX. On XX/XX/XXXX, I never received a follow up response addressing the zombie debt with regard to the Pennsylvania Statue of Limitations.

XXXX XXXX XXXX stated in a letter that they were forwarded all concerns back to client and it is now XX/XX/XXXX and I have never heard nothing back from both companies who claim that I owe them money in excess of 43,000 in which a lien continues to be on my property.

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 2023-03-08
Company: EQUIFAX, INC.
State: IN
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:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: EQUIFAX, INC.
State: NV
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 sent a dispute to Equifax, XXXX as well as XXXX about my credit report. I saw a lot of unknown inquiries on my report. Some companies did hard pulls on my credit two or three times without my knowledge. I sent a letter to all three credit bureaus onXX/XX/2019. I still have yet to receive anything from either Equifax nor XXXX. I did receive a letter back from XXXX  and I will continue to dispute with them. 

My Concern is that it has been over 30 days and Equifax and XXXX  has yet to reply. Within the FCRA they have 30 days to respond or else they will have to remove things from my credit report. This is hurting my credit worthiness so I need them to remove these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: Neighborhood Assistance Corporation of America ("NACA")
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been working with NACA/XXXX for almost two years only for underwriting to deny me on the last day of the attorney review. They told it me it was because funds in my account went down, however, if they were monitoring my account, the could have been avoided prior to accepting a contract that I had submitted. Not only did they review and accept the contract, they had me, complete an inspection, secure an attorney, and purchase a condo questionnaire. My realtor sent emails to ensure that we were on track and we never got a no. There have been so many complaints online regarding naca but I still tried to give them the benefit of the doubt. There lack of responsiveness and perceived lack of care frustrated both my realtor and attorney. There has been constant mixed messages and doesnt seem like this program has any empathy for their clients. They seem to be preying on neighborhood clients versus helping them. Even after denying me, they still proceeded to take out fraudulent membership dues and money for a credit report. If you deny me of a loan I get approved for by the alternate lenders in 5 min. I sent a complaint to XXXX  and NACA for a refund of the fees over the last year and they denied me again. They dont think there is anything wrong with there process and the offered no help at all instead went back and forth with me in an email war to try and prove he was right without even picking up the phone to talk to me. This is the second time that naca nearly caused me to lose a home. The first offer I submitted, was denied by the seller because they didnt want to work with naca due to a reputation of the process taking too long. They asked me to switch  lenders and they would consider. Believing in naca, I stayed the course until I realized they werent really trying to help me. They never even offered an alternate solution. This process has been so long and complicated and all I want is for my money tp be refunded so that I can finally be done with naca for good. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
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:
XXXX XXXX checked their database of 4.7 billion publicly breached accounts and my email address ( XXXX ) showed up in 1 data breach. That means my online accounts and personal info may be compromised. XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ), originally incorporated in the state of Wyoming, XXXX no longer in business. In XX/XX/2017 a massive trove of data from XXXX XXXX XXXX was found exposed online. The data was found to contain almost 1.4 billion records including email and IP addresses, names and physical addresses all of which was used as part of an enormous spam operation. Once de-duplicated there were 393 million unique email addresses within the exposed data., also I am part of the data breach that occurred with XXXX XXXX , XXXX and the IRS . I am following the advice from the FEDERAL TRADE COMMISSION on filing a complaint. I have contacted the police department, all 3 credit bureaus and XXXX XXXX to make them aware of the identity theft and disputed. Nothing has changed and this is not right. I am disputing all of the following information due to be incomplete and inaccurate : ( 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 explanation
Consumer complaint received 2018-03-18
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: Public record information inaccurate

Complaint:
Under the new law effective XX/XX/2017 any and all public record data must include name, address, SSN or full DOB for it to appear in your credit report. The credit bureau has not updated the information and per the new law the Bankruptcy listed does not include this information and therefore should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: EQUIFAX, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
As explained in numerous prior CFPB complaints, a settlement check in the amount of {$3700.00} plus estimated taxes totaling {$5100.00} was not received, it was intercepted by a third party, cashed in my name. An affidavit was filled out, sent in to Wells Fargo in re, a second check supposedly reissued in XXXX or XXXX of 2020, after I had moved on XX/XX/2020. This amount, {$3700.00}, was offered to me as result of unauthorized accounts opened in my name which I never needed or wanted, XXXX XXXX offered this via phone conversation and would not put offer in writing which is highly suspicious. Also, a second check representing a mediation settlement in the amount of {$500.00} with estimated taxes totaling XXXX was also sent to old address, not received. Wells Fargo reps replied to prior complaints by merely verify address, disregard the fact I moved prior, claim checks were cashed. If they were in fact cashed, it was by someone living at address at the time after I moved, not myself. Mail has been forwarded to new address at XXXX XXXX XXXX XXXX XXXX, CT XXXX, no checks received to date for either amount. The last Wells Fargo rep replied again by merely verifying old address, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX The rep before that replied by stating the old address was one I had provided, no proof provided as to what address I had given to anyone with Wells Fargo. Even if I mistakenly provided wrong address, that does not change the fact no payments received.. I have checked with Post Office, they show no missing mail or undelivered mail forwarded to new address. In case payments were sent via XXXX or XXXX, neither carrier would know I no longer live there, would have dropped packages, not knowing otherwise..Failing to investigate, reissue payments from Wells Fargo, I will forward on this information to an attorney to look into, file suit if necessary. I prefer to resolve this directly, unfortunately, the reps at corporate office are clueless as to what I'm talking about, attempt to refer me to Wells Fargo Settlement site which is separate from remediation program in which these payments were issued from.

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 2019-05-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call and call no answer and I never sign any contract with this collection agent! By law if I dont sign any contract with this agency this need to be removed from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Thiscomplaintsubmission is in regards to a false credit report by ENHANCED RECOVERY COMPANY ( ERC ) XXXX XXXX XXXX XXXX, FL XXXX. I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with two different representatives who were extremely rude and stated I am responsible for this debt then hung up the phone. I then spoke with another representative who gave me their company email number so I could forward them a Debt Of Validation letter, which was sent on XX/XX/2019. It was confirmed through a response by an ERC representative that they had received the files ; however, after 30 days of notifying them, still no response. ENHANCED RECOVERY COMPANY ( ERC ) then removed themselves from my credit report. After a month went by, ERC then reported again to the 3 Credit Bureaus and also violated our CEASE & DECIST agreement. At this point in time ENHANCED RECOVERY COMPANY ( ERC ) has failed to provide any proof of debt and/or anything in signature or judgment by law stating I was obligated to pay them the total of ( {$390.00} ). I have never made any agreement with them or with the original creditor to pay anything nor was I properly notified of this false reported debt. I am requesting ENHANCED RECOVERY COMPANY ( ERC ) immediately remove me from their systems and update all 3 major Credit Bureaus ( XXXX, XXXX, & XXXX  ) on this action. At this point they have failed to provide any competent evidence or any legal obligation. ENHANCED RECOVERY COMPANY ( ERC ) is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g, and if this report is not updated immediately I will be taking legal actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
Company: Continental Finance Company, LLC
State: TX
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:
I have been a customer of XXXX XXXX card for years I have never missed a payment on my account. A few months ago the account was paid in full, so they informed me that there was a {$5.00} fee to keep the account open even if the balance is 0.  One month I made my payment online like i do every month. However i made the payment twice, my bank flagged the transaction as fraud. I told them it was an accident that I click the submit button twice. There was a stop payment, I was not aware that it was permanent. So i kept making my payments through bill pay. I have never received a call or email from the credit card company. I am in the process of purchasing a home, I am expected to close next month, I have given notice to my apartment complex. On XX/XX/XXXX, I received a credit alert that they reported my account as nonpayment for 30 days. My children and I have literally no family here in Texas, if this affects my closing. I have offered to get it taken care off, and remove the mark on my credit, spoke to a supervisor and literally they hung up on 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 2021-09-16
Company: Experian Information Solutions 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:
Paid off auto loan account on XXXX XXXX. Balance was adjusted XX/XX/2021 to XXXX  paid. Documents were ordered along with an expedited request to the credit department to update status to all credit reporting agencies. The account had not been updated in three months. Since the start of the loan XXXX never reported accurate balance information. 
I had disputed balance information at least twice over the last two years with all bureaus. 
It was never up to date during the whole time my account was open. 
Also I paid as agreed, never late. 
I have received my paid in full contract last month, XX/XX/2021.

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