BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-08
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9300.00}, {$3200.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 

2.  XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account.

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 2023-01-31
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
I tried calling the lexisnexis company and I can not get a direct answer to file dispute and correct address

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: EQUIFAX, 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: Account status incorrect

Complaint:
The XXXX XXXX XXXX XXXX company has been reporting incorrect late payments for years since XXXX. I have reached out to them and also the credit bureaus namely XXXX, Equifax and XXXX. Nevertheless, none of them did anything to correct the problem. I am attaching proofs of my payments to XXXX XXXX XXXX for the last 4 months. Yet they still report a 30-day late payment on my XX/XX/XXXX reports across the bureaus. The credit bureaus mentioned above also did nothing. Every time I send in a request for investigation on the late payments, they also come back to me with a statement declaring that all late payments are verified. It is obvious and evidently that those late payments are wrongly noted. I even send in document from XXXX XXXX themselves to prove that I was not late. This is clearly a violation of FCRA and other consumer laws. I plan to take this company and the bureaus to court if they do not want to correct this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28
Company: Experian Information Solutions Inc.
State: MN
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:
I wrote all 3 Credit Burrows 100 times sent 3 forms of ID and the Credit Burrow Never Responded All The Credit Burrow are making Humane morgue hearts in Nuclear Reactors 100 % Only thing people can do is ask the computer two Send some Nuclear Missle is the only way two Stop the Federal Government Putting are humane morgue hearts in Nuclear Reactors The federal Government hunt me 45 years fore XXXX Hamburgers

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 2020-02-26
Company: Experian Information Solutions Inc.
State: CT
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 and XXXX XXXX hold inquires for XXXX  XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX on my credit report and record

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-04
Company: EMCC Holdings, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Equiant Financial SVCS has placed an inaccurate collection action on my credit report. They alleged that I owe {$3700.00} and am past due for this balance. However, they have provided no verification of this nor proof that owe these funds to their company. 

The balance is presumably based on a timeshare I previously owned. Two collection agencies ( XXXX and Equiant ) both placed erroneous collection actions on my credit report alleging HUGE outstanding ( past due ) balances owed for my prior timeshare ownership.. 

The balance alleged by Equiant is more than both the original loan amount ( {$2000.00} ) and the annual maintenance fees ( {$500.00} ) combined. Moreover, each month, they place a new action on my credit report alleging that the balance has increased and the payment is late by increasing intervals of time. This is a lie as I do not owe Equiant anything and am therefore CAN NOT be late in paying them. 

At no point did I agree to enter into negotiations with Equiant or concede that I owe any debts to their company. The actions they are now placing on my credit report are erroneous and causing significant damage to my professional and personal livelihood. 

I request that they remove the actions in totality and/or provide verifiable proof that the amounts alleged are owed to them and that they have a right by statute, status, or proxy to communicate and negotiate with me in this regard.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Auto loan was purchased from Santander Car was in accident deemed total load, insurance paid car off, account showing as charge off, Santander currently in litigation also when I dispute came back as no record of loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: PNC Bank N.A.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our Mortgage is currently with PNC Bank. The escrow analysis was done incorrectly. They estimated our city tax to be the exact same as our county tax. County Tax is approximately {$1600.00} more than city tax. I have called to have them do another analysis and sent them the current city tax bill. They conducted another analysis with no change. They also paid the correct, lower amount, city tax bill out of the escrow account. We have contacted them several times trying to get this fixed. They always reply it will only take a day or two to complete then it will be fixed. We have been trying to correct this XX/XX/2020. This is impacts our monthly payment making it higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Experian Information Solutions Inc.
State: IL
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 have sent multiple letters advising of the issues and requesting their method of verification. The last letter sent was certified and was delivered to this credit bureau on XX/XX/XXXX. I have placed multiple calls ( all of which had extremely long wait times ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I placed these calls because I have been transferred to voicemail, the calls have somehow become disconnected after finally reaching someone, or they advised they will enter a dispute only for me to receive the same message advising the creditor advised them the information is accurate. '' This statement means nothing to me when I know the information is not accurate. 

I have spoken with some of their agents who have advised me that the creditor or credit agency just has to advise them the information is correct without furnishing anything. When I further inquire about this, then I am told the credit bureau does not have to tell me how they verified the information at all, as long as the creditor or agency says it is true, it can stay on my report. This is not only untrue, but it is also illegal and unethical. I have invested a lot of time trying to peacefully and expeditiously resolve these issues, however they remain determined to report inaccurate information and refuse to verify or furnish any information justifying their continuous reporting of inaccurate information. It has been almost 2 months since they received the certified letter and I am still fighting to have my information corrected.

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 2017-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
A computer glitch occured through TransUnion where all inquries were removed, but after awhile they all reappeared, this is TransUnion 's problem which my inquiries to be deleted not mine. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. The rep explained she could do 2, but it affected everyone. These inquiries add a hardship and my rights were violated by TransUnion. Please help me make TransUnion stop victimizing 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 2020-11-10
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened a business checking account with Key Bank branch at XXXX XXXX XXXX in XXXX New York. The rep told me that the monthly fee was waived if the account holder opens a credit card which I did. 6 months later, I discover that I have been charged fees every month. I contacted the online rep and they said that there was nothing they could do about it and I had to talk to the branch. This is classic false advertising and bait and switch. I will follow up with the branch but want to lodge a complaint to stop such practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I opened I claim against my Landlord for violating my lease agreement and unlawful put me and my child out of my apartment. I submitted a claim to Wells Fargo to get back my deposit. Wells Fargo failed to process my claim for llock of documents, but at no time Wells Fargo contacted me for Documents to support my claim. I filled this claim on XX/XX/2023 by XX/XX/XXXX according to the Wells Fargo banker they closed my claim without contacting me. I were sending emails saying that the claim was still being processed. I called on XX/XX/2023 around XXXX XXXX on a recorded line, and the banker told I lost the claim for not sending documents, documents that they didn't request.

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 2020-05-20
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On or around XX/XX/2020 I applied for a car loan refinance with PenFed Credit Union online. The application was under review and when the term and rate was given to me I declined the loan as they were not better that what I currently have. Additionally I called back to their customer service department and requested that the application would be cancelled. To my surprise the representative said that it was approved and that paper work was sent to my address for signature to which I reply that I didn't accepted the terms and conditions of the loan. The rep told me not to worry that she would cancel the application and that if I don't use the check nothing would happened ( which I haven't used the check ). On XX/XX/2020 I received an email notification that a payment to a car loan was due on XX/XX/XXXX, this came to a surprise to me and called back. The new rep said that I accepted the loan ( which I haven't since the beginning ). I told to cancel the loan and make the corrections on reporting to the credit agencies and to send me notification of cancellation of loan.

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 2021-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This account has been resolved as of XXXX XXXX. I want it off of my credit report NOW. 
My Transunion score went up after reducing overall debt on XX/XX/XXXX. XXXX did not reflect this.

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 2018-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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 had a credit fraud with my first card Nd the company captial one said they tske care of it they sent me a new card yes i took the XXXX out the card im paying for it and then i get bill it went to XXXX that i took 2 cash adavances wich is not true this is fraud they report this it messed up my credit by 50 points will like to know how to resolve this

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-04
Company: TCF NATIONAL BANK
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I'm requesting payoff of my mortgage. This payoff needs to be good through the end of the month ( XX/XX/2020 ). tfcBank request attempts below : Three loan processor requests faxed to XXXX since XX/XX/2020. 
Request made by me via TCFLoanServicing@tcfbank.com on XX/XX/2020 which resulted in automated email reply from tcfBank requesting I fax request to this number, XXXX. 
Two phone call request attempts by me to tcfBank XXXX loan servicing department. The phone was answered and then the call was ended with no one speaking ( I was hung-up on ). 
First request attempted by me at Chemical Bank to tcfBank transition information line XXXX resulted in no one picking up after XXXX minute hold. 
Second request attempted by me at Chemical Bank to tcfBank transition information line XXXX, spoke to XXXX, she transferred me back to the tcfBank loan servicing department despite me conveying my inability to get through to this number. I requested she stay on the line with me, she agreed, I was then put on hold, she came back on the line and said she was unsuccessful at reaching tcfBank and suggested I email them. I told her I had, she then tried tcfBank again and I am presently on hold waiting for them to answer her ( this call has reached 61 minutes and counting ) I am sending this payoff request from fax number XXXX, as this is the only fax number available to me during COVID.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
On XX/XX/2020, I mailed a letter requesting investigation of inaccurate accounts that I saw on my credit report. It's been over 2 months and I still haven't received a response.

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 2020-09-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This is the third time I am sending a complaint about phone calls I have been receiving for almost 2 years. It is from an organization that will not tell me their name, but tell me I have a debt with HSBC dating back to 2008. 

I have received letters from HSBC stating this debt to be false, yet they still are calling. At XXXX XXXX  EST today, someone called me from the number of XXXX XXXX XXXX attempting to collect this debt again. When I told them to take me off their list, the person on the other end said, " I can't ''. When I proceeded to tell them about the documentation I have proving them wrong, they hung up. I called back and they wouldn't pick up. I am tired of these phone calls. I want them to stop. I have been sending these messages to the XXXX and it still does not help. I want them to be over with. Please stop them from calling. I am a man who suffers from XXXX XXXX and the stress these phone calls cause affect me greatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: ENCORE CAPITAL GROUP INC.
State: CA
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:
On XX/XX/2020, I sent a settlement letter and check to Midland Funding to settle a collection account. The letter stated that in exchange for the 50 % settlement, Midland would remove the account FULLY from my credit reports. The letter was delivered on XX/XX/2020. On XX/XX/2020 Midland cashed the check, and it cleared my account. As of XX/XX/2020, Midland has failed to uphold their end of the agreement, as the collection account is still being reported to the three bureaus and appears on my reports with a balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2019-11-05
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX is being reported on my XXXX, XXXX, and Equifax credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.

Company response to consumer: Closed with explanation