BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 accordance with FCRA 605B, I requested a block of information on my XXXX, TransUnion, and XXXX credit reports that are fraud, including proof of identity ( Drivers License and Social Security Card ), Identity Theft Reports and police report XXXX XXXX XXXX and XXXX XXXX XXXX, detailed identification of the fraudulent accounts on my credit report with copies of credit report, and a detailed letter stating the information on my credit report is fraudulent and not related to any transaction authorized by me. 

Accounts included : - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX ( previously determined to be fraud in XXXX XXXX ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

These letters were received by each credit reporting agency by Monday, XXXX 6, XXXX via XXXX XXXX XXXX with Tracking. 

It has exceeded the four ( 4 ) days allowed to block and remove the identified information from my credit report, and it has not been blocked. 

In addition, Citicard account determined to be fraudulent and removed from my credit report in XXXX XXXX are now showing up on my credit report again over the past two weeks. Once an account is determined to be fraudulent, it should be blocked from my credit report unless written notice is provided by the credit reporting agency and creditor that the account has been found valid and accurate accompanied by account verification documentation. This notice and information was not provided.

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 2020-04-26
Company: CITIBANK, N.A.
State: CA
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:
I called the customer service number on my credit card and asked them to cancel my credit card. They said system is unable to do so and they refused to cancel the card. Instead, representative 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 2020-02-19
Company: Ocwen Financial Corporation
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 we received a notice in the mail stating we are behind on our mortgage and at risk of default actions. The letter gave suggestions we contact them regarding work out options including modification or short sale. Problem with this is they pull money out of my bank account automatically every 2 weeks for the mortgage payment, we are always paid a month ahead and they pull {$20.00} more a month then what our actual mortgage payment is. I called and was on the phone with the mortgage company for over an hour and they told me they applied my payment to the principal not the mortgage payment causing us to be 2 months behind on our mortgage and facing default and eventually possible foreclosure action. I never authroized this, I never discussed with them doing this and I never asked them to do this. My arrangement with them was to withdraw {$500.00} every 2 weeks from my account for my mortgage payment. There are even months that there are 3 pay periods not 2 so I pay an additional {$520.00} in those months not just {$20.00}. They informed me they are not sure why or how this happened and they would need to look into it but refused to give me contact information for anyone and told me they did not know how long it would take could be at least 5-10 business days

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am currently in the process of buying a home when I pulled my credit report I was unhappily surprised to see the errors that were listed on my credit report! I submitted a dispute to the credit bureau and in 30 days I got a response back from the credit bureau with an update to the accounts that are listed here these accounts are breaking several rights I have as a consumer and I asked for them to be removed immediately most of these accounts I have never seen before I stated my case when I mailed these letters and I know my rights as a consumer are being violated How are these account reporting such conflicting information and for the credit bureau to update that account with what they say is accurate information where is the proof of that the debt validation how can you just update accounts where are you getting this so-called updated information 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 2019-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Information on my report is inaccurate and was already removed but still showing.

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 2017-11-09
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I checked my XXXX Credit Report and discovered that Credit Collection Services was reporting on my report. I have never heard of them. I have n't received any Validation from them about any debt I supposedly owe. I do n't have a contract with them neither have I ever received any documentation about this company or the original creditor that 's been reported. I want this negative reporting deleted from XXXX credit file.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: DISCOVER BANK
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Being unemployed, I have been doing my best to pay what I can on my credit card bills. I have explained this multiple times to XXXX XXXX. I no longer have a life insurance policy, no 401k, no savings. I have been trying to sell items online to make what money I can. I continue to apply for employment only to face rejection after rejection. And I continue to receive calls from XXXX XXXX, multiple calls. Calls in which the phone will ring. I answer the phone, hello, hello. And then you hear the call disconnect because it has been hung up. Very few calls are received in which an actual person is on the other end. And even those calls are stressful. I continue to explain the situation, and I continue to be told that I have to make payments on line, that my credit union account is not valid. I have told them that I never had an issue previously paying online. But something changed and I have since resorted to purchasing money orders from the post office. Apparently that is being seen as unsatisfactory. I have explained that at least that way I have a record that payment is sent etc. And still the calls. The following is the list from our caller ID of just how many times this is occurring. XXXX / XXXX XXXXXXXX// XXXX/ XXXX XXXX XXXX// XXXX XXXX XXXXXXXX//XX/XX/XXXX0/ XXXX XXXX XXXX// XX/XX/XXXX/ XXXX. XXXXXXXX// XXXX/ XXXX. XXXXXXXX// XXXX XXXX. XXXX XXXX// XXXX XXXX. XXXXXXXX//XX/XX/XXXX / XXXX. XXXXXXXX// XXXX XXXX. XXXX XXXX// XXXX XXXX. XXXXXXXX// XXXX XXXX. XXXX XXXX// XXXX XXXX. XXXX XXXX XXXX. XXXX am// XXXX XXXX. XXXX XXXX XXXX. XXXXXXXX// XXXX XXXX. XXXXXXXX// XXXX XXXX. XXXX XXXX// XXXX XXXX. XXXX// XXXX XXXX. XXXXXXXX// XXXX XXXX. XXXX I am trying to get them paid. But this number of calls is annoying and is causing additional stress to me. Harassment by phone is not helping me. As I stated previously, I continue to apply for employment. I am sending payments to Discover Financial.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My husband and I both received are 3 credit reports on XXXX/XXXX/XXXX. Each one of our credit reports from only Transunion showed Account Review Inquiries from companies unknown to us. We have lived in XXXX XXXX, OH for 26 years at the same home address. The unauthorized inquiry for my husband was from XXXX XXXX XXXX in XXXX, FL on XXXX/XXXX/XXXX. I called the company and they admitted that they were looking for someone else with a similar name when they made the inquiry. My report showed an account review inquiry from XXXX XXXX in XXXX, CA on XXXX/XXXX/XXXX. When I called them, they denied any such company existed at the listed address and phone number. I am concerned the the XXXX XXXX could have been an attempt at identity theft. My husband is concerned that the inquiry by XXXX XXXX could result in future inquiries that he has approved wondering if he had a bad payment record in the past. I reported all of the above via phone to Transunion. They stated that the inquiries would be removed, but why did they even occur without our consent? Is it legal for anyone to review your credit report? Advise. Please respond via e-mail to XXXXXXXXXXXX. Thanks.

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 2017-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
XXXX XXXX client XXXX XXXX is an identity theft victim. His information was used without his consent to apply for several credit cards. The applications were stopped however the activity generated fraudulent inquiries on his credit reports. The creditors have been notified several times of this however the inquiries remain on the credit report. This is a violation of the FCRA and our clients federal consumer rights. A current credit report shows Capital One, XXXX  XXXX and XXXX XXXX XXXX are still listed as inquiries after several formal disputes were provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My credit report shows a collection account with a company that I have never done business with. A collections company has reported this debt which recently hit my credit report and has negatively affected my credit score. Apparently someone used my name and social security number to open a XXXX XXXX account with an address in a different state. The collections company only has my name and social security number but the incorrect address. I have never received any information from the collections company, only found out about the situation from monitoring my credit score and viewing my credit report where the collections information is available. I never opened a XXXX XXXX account nor lived in the state that was used fraudulently in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My account was shown negative om XX/XX/XXXX and i have till XXXX XXXX to add funds, so i am not overcharged overdraft fees. As of XXXX XXXX i added funds on XX/XX/2020 but PNC bank still charged me overdraft fee despite my account showed as positive at XXXX prior day. PNC took a lot of overdraft fees from me in the past which i did not dispute, but after making a valid attempt to make sure my account was positive on the day, PNC still charged me overdraft fees next day. I also contacted the customer service - despite them having failed BUSINESS rules, they denied to fix this problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-20
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am hoping to buy a house for the first time this year, so I want to be able to check my credit reports to make sure that everything is accurate before I apply for a mortgage. I checked my credit scores and noticed that one of my scores, run by Equifax, was almost 100 points lower than the others. This was obviously a red flag and told me I needed to check my credit reports. I found that the way to access your free credit reports is through XXXX, so I went there and filled out all of my information. I was able to access my XXXX and XXXX reports fine by answering identity verification questions about my credit history. However, when it came time to answer those identity verification questions to access my Equifax report, every question asked about loans and credit cards that I do not have and have never heard of ( another red flag ), so I was forced to answer N/A to all of the questions. For this reason, I was unable to access my Equifax report on that website. I tried going on the Equifax website, which told me that other than XXXX, the other way to receive a free Equifax was via mail by mailing the company a copy of my driver 's license, etc. This reminded me that I actually did this last year when I had the same trouble accessing my report and never received any mail back ( a third, huge red flag ). I called Equifax and explained all of the above, the employee verified my identity and then tried to make me pay {$15.00} to access my report. I know they are required by law to give me access to my report for free once per year, so this is illegal. When I complained, he said, " you expected to access your credit report FOR FREE?! '' He then proceeded to tell me that if I wanted a free report to go to XXXX, despite the fact that I had started the phone call explaining that I had already tried that. 

I am afraid this issue could ruin my potential to own a home at no fault of my own. They clearly have inaccurate information on my credit report, which could impair my ability to obtain a loan, so they should be the ones to fix it. I should not have to pay to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Solomon and Solomon, P.C.
State: ME
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:
Solomon & Solomon are attempting to collect a debt for {$160.00} in which I ve asked for documents that I still have not received. I ve asked for them to show me that they are licensed in my state to collect a debt. I ve also asked them to send me documentation that shows that I owe them for the debt they allege that I owe to them even though I have never done business with them. I ve asked for them to send me the assignment of the debt to prove that they are the ones to pay any debt they claim I owe. I want to see payment history on this account to prove that the amount they say I owe is correct. I have not received this to this day even though these are my rights according to the FDCPA. 
Also they have failed to provide me with a SIGNED CONTRACT with my signature on it!

I have sent numerous letters with requests that S & S refuses to acknowledge and respond appropriately to!

S & S has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the account be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: DISCOVER BANK
State: TX
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:
I have requested Discover several times to close my Discover Card but I have been getting a run around. 
After several unsuccessful phone attempts, I chatted with several online representative on XX/XX/2020 and requested to close my account but they transferred me to Customer Service department who referred me to a phone number to call. I called the number provided to me, verified myself for security and requested to close the account but I was transferred to another department. The other department did something and then said I needed to speak to a different department and got transferred. That new department verified me for security and then said she needed to transfer me to another department. She transferred me to another department, they verified my security and said they were going to close the account BUT she transferred me to another department. 
The 5th transfer told me that she couldn't close the account and apologized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-28
Company: DISCOVER BANK
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX2017 phoned Discover to make an additional payment of XXXX to my account. I was transferred 3 different times finally an account specialist, XXXX XXXX in AZ said to me, now that you have made this payment, you will have to be switched from an auto pay enrollment with a fixed amount to a minimum auto pay. She did say my payment would not be drafted until XXXX, I told her no I am trying to pay off my debt, not extend it. She then said my account had 20 months to pay but since I paid the XXXX it would now go to 8 months. I asked her what would have happened if I did n't call in, she replied we sent out letters stating that we had a glitch in the Discover system and some auto drafts were wrong and then it showed up on the customers credit as a " no pay '' I said I did n't get any letters. when she looked, she commented well, I do n't see that they sent you an email or a letter. Basically I had to switch to the new minimum payment I DO N'T KNOW WHAT THAT MEANS. She said my XXXX payment was still in effect.

Company response to consumer: Closed with explanation