BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX  and Transunion are reporting incorrectly that I am 60 days past due on the XXXX - partial account number ****XXXX. ( Please see page 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-10-09
Company: EQUIFAX, 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:
I email you before regarding a car loan on XXXX Of XXXX and requesting some help. I had added the company name of XXXX of XXXX besides add the credit card company that is reporting the Hard inquiries. Let me correct that information with this complaint please. 
XXXX of XXXX should run my credit ones and to one company and I have Hard inquiries from 4 different lenders in my credit report on the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I email you before regarding a car loan on XXXX Of XXXX and requesting some help. I had added the company name of XXXX of XXXX besides add the credit card company that is reporting the Hard inquiries. Let me correct that information with this complaint please. 
XXXX of XXXX should run my credit ones and to one company and I have Hard inquiries from 4 different lenders in my credit report on the same day.

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 2018-03-22
Company: Concord Servicing Corporation
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company is named Concord. That is all I know and they are trying to locate a XXXX XXXX at my telephone number of 12 years. I have explained on numerous occasions that this number does not belong to XXXX XXXX and to please stop calling. 
The number they call from is XXXX. 
Concord has called the following dates : XX/XX/XXXX XXXX - inbound XX/XX/XXXX XXXX - inbound XX/XX/XXXX XXXX - returned call advsd not XXXX number XX/XX/XXXX XXXX - inbound XX/XX/XXXX XXXX - inbound XX/XX/XXXX XXXX - returned call advsd not XXXX number again. 
XX/XX/XXXX XXXX - inbound At this time I have filed a complaint with the FTC as well. This company has also told me that they will remove the number from XXXX account. However ; they have not stopped calling.

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 2018-03-15
Company: Immediate Credit Recovery
State: WY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I was incarcerated and unable to pay my student loan and it went into default.I am trying to contact the collection agency that holds the loan.The company is XXXX XXXX XXXX XXXX. I have made numerous attempts to call them. I have sent email. They do not reply to my messages. I am working with XXXX  at XXXX XXXX and my adviser has also tried to contact them. I contacted Federal Student Aid and they can only give me a phone number that sends me to voicemail where I leave a message. Again, no one will call back. 
I started trying to contact them in XX/XX/XXXX and have made numerous calls each week ; too many to count. I need to resolve this and get my student loans out of default. I want to go back to school and this is keeping me from moving forward with my education. I appreciate any help you can give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
Company: CITIBANK, N.A.
State: FL
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:
Had a Citi Simplicity credit card. My HELOC company wrote check to PAYOFF balance. I sent in timely per bill. Checked online. Remaining balance was {$38.00}? Figured it was interest so I immediately paid it to XXXX it out. Online said XXXX. Days later a {$68.00} autopay came out of my bank. I called. Rep said it was a mistake and autopay now OFF because the balance was XXXX. I could wait for a refund or use the card to absorb the credit. Just checked. I was worried citi would continue to deduct XXXX because I had turned it off and it didnt stick. She said because it was XXXX balance no autopay would issue. Citi says I now owe XXXX by XX/XX/. So I called. The 1st rep said I was always 1 mo behind. Nonsensical. I paid the amount due each month. My credit would have suffered. My credit is good. And wasnt I on autopay? They were lying. He had no answer for how to reconcile that with a payoff of the entire balance. How do you pay off the entire balance of over {$2000.00} and then get a 1 mo behind issue? 2nd lady said I owed like $ 100+ more. But that does not explain 1. Why my balance was XXXX with my XXXX payment ( I paid the balance in full option online when I checked after my large payment posted ) and 2. The other rep saying autopay was a mistake and Id get a refund etc. Ive been defrauded out of at least {$76.00} because Im trying to close the account. I paid the {$8.00} today just to get the account closed to sever Citis ability to access MORE funds in my account. But I didnt owe any of it ( XXXX or XXXX ). The 2nd rep today said there were no notes from my discussion with the rep on Monday who said the XXXX autopay was a mistake. The lady today was clearly lying. Ive been a lawyer for 25 years. I didnt imagine my conversation earlier this week nor did I just randomly pay XXXX for no reason.

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 2018-08-19
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I had a XXXX and had a balance of {$2900.00}. They lowered the credit limit to {$2700.00} and charged over-the-limit fees on top of the other fees causing the monthly payment amount to skyrocket to nearly {$300.00} a month, making the monthly payment no long affordable. I am uncercertain who to contact at XXXX for payment. Please help me reach out to XXXX to make payment.

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 2018-06-04
Company: SYNCHRONY FINANCIAL
State: TX
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 did not authorize this creditor to run my credit I have never heard of them nor request credit with them.

Creditor Name : SYNCB/GAP Inquiry Date : XX/XX/XXXX Removed By : XX/XX/XXXXType : National Credit Cards/Airlines

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 2018-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a credit card with Capitol One. I do not use the card. The card has an annual fee. The fee came due but I did not know because I do not use the card. Capitol One reported me 60 days to the three credit repositories, ruining my credit. I called them immediately upon discovery. I immediately on the telephone paid the annual fee. They immediately waived the late fees. I requested that they reverse all negative reporting of the event to the bureaus. They agreed to do so. I spoke with XXXX, employee # XXXX on XX/XX/2018. She agreed to eliminate the negative reporting using a rapid resubmittal in 2 days and send me a letter. It is now XX/XX/2018and they have failed to update my account with the bureaus. I called them today,XX/XX/XXXX After 45 minutes I spoke with supervisor XXXX in XXXX Florida, XXXX. He stated that XXXX had submitted a " dispute '' to the bureaus but it takes 60-90 days for this to be processed. I told him this can not be true, that the creditor can not retract information more swiftly. I asked for his supervisor but he refused to allow me to speak to his supervisor.

Key points : Capitol One should not be able to charge a late fee for an annual renewal fee. If the consumer does not pay the annual fee the bank should close the account. Unless I borrow money from the bank and fail to pay it back according the agreement, there should be no reporting of negative information. Doing so is a consumer scam. 2. ) If Capitol One reports negative information to the credit bureaus they should retract swiftly and the process should not take 60-90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: EQUIFAX, INC.
State: TX
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:
Equifax and XXXX are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see page 6 of the attached credit report. ) I have already called XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Account Control Bureau
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted XXXX XXXX XXXX XXXX in XXXX XXXX, Louisiana, on XX/XX/2018 by phone to validate debts. I spoke with XXXX in the billing department and she did not have any legitimate proof that I have a debt with them. She called Account Control Bureau which is their third party collection agency and told them to remove any debts that I have associated with them because my insurance with XXXX XXXX XXXX XXXX that I've been covered with the last 5years, has covered all medical expenses.

My complaint is with Account Control Bureau collection agency who has 5 medical bills that are being reported incorrectly with XXXX and XXXX for the last 2-4 years. On the other hand XXXX have delete all 5 medical bills due to inaccurate reporting and not being able to prove the debt was mine verified and validated. 
I am allowed under the Health Insurance Portability and Accountability Act ( HIPPA ) to protect my privacy and medical records from third parties. I did not give permission to release any of my medical information to this third party collection agency ( Account Control Bureau ).

Account Control Bureau is reporting 5 different amounts with the same account from different creditors. 
Account number:XXXX 1. $ XXXX XXXX XXXX XXXX, XXXX 2.  $ XXXX XXXX XXXX XXXX 3. $ XXXX XXXX XXXX XXXX, XXXX 4. $ XXXX XXXX XXXX XXXX 5. $ XXXX XXXX XXXX XXXX All creditors and account control bureau have not being able to provide legitimate proof ( verify and validate that the debts is mine ) therefore since these have been reporting incorrectly, i'm requesting immediate removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-05
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: Personal information incorrect

Complaint:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY PREVIOUS ADDRESS INFORMATION WHICH IS TOTALLY WRONG

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 2018-08-19
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/XXXX, my wife and I applied for a mortgage with XXXX XXXX XXXX. Our credit was and is excellent. We had and have sufficient income. We had and still have substantial liquid assets. All documents required were delivered to the XXXX branch. What ever was requested was delivered within two days time. At the end of XX/XX/XXXX, we received an email from TD Bank stating if they don't receive an insurance certificate form our condo association they will deny our mortgage. They already had the certificate. I called the regional manager who said he would look into the matter. He called back saying the certificate they have is on my insurance. I became very irate, explaining I never applied for insurance, and won't until we have a closing date. I believe the regional manager and the mortgage processor entered false, misleading and derogatory information in my file. I also believe they were reluctant to approve the mortgage because of my age. I was XXXX at the time. There was no other reason for their actions. My complaint is that I want a copy of whatever information is in my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
Company: U.S. BANCORP
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates. I believe I made required payments, and there must be way too much substantial amount of unnecessary fees. Again, I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 non-monetary relief
Consumer complaint received 2018-09-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and these accounts on my credit report are fraudulent. I have been living in my house in Pennsylvania since XX/XX/2012. I have never took out a credit card or auto loan ever before. I am a mother of XXXX and this has been causing me a lot of stress. I want these accounts to be immediately removed and blocked from my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-19
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX Reported an amount of XXXX balance owed. 

XX/XX/XXXX I went to care facility XXXX XXXX XXXX fl XXXX I went because XXXX Hospital advised me to go to XXXXXXXX XXXX in XX/XX/XXXX. 

As I did not have an emergency from a vehicle tap incident on XX/XX/XXXX I told XXXX XXXX that I was feeling XXXX from tapping a vehicle at 5 miles an hour at a light, as the passenger was 5 months XXXX. 
I paid XXXX XXXX a XXXX, co payment, gave them my XXXX insur info and county coverage id card for XXXX insurance. 
In XX/XX/XXXX, 2nd comract, XXXX XXXX XXXX calls me to say I owe XXXX. 
I asked her to send me the bill saying what insurance paid or didnt pay to reflect balance. XXXX stated they sent it, and If I don't pay its going to the credit bureau. 
I reminded her to send me an email, that I am not going to give anyone a cc card over the phone without documentation. I asked her why there is even a balance as I have a secondary insur which pays 80 %. XXXX said XXXX XXXX policy is not to Bill 2nd insur. I reminded her that the state of Fl bills all insur and can seek remedy for outstanding monies after all insurance have paid their portion. 
I did not have injuries the date of XXXX. Only after a week did I go to hospital to ask to be seen for follow up. XXXX Hospital south advised to go to XXXX XXXX because I did not have an emergency injury or primary Dr . 
In XX/XX/XXXX XXXX XXXX XXXX collection agency contacts me to pay XXXX I told them same info. Not paying anyone anything without an email with backup on what amounts if any, were not paid by insurance from XXXX submission. I called XXXX and they confirmed they never recvd any claim. 
I told XXXX I will pay any bill I owe, but not without proper protocol. XXXX said they do not have any info on my acct, only whats owed and due, due to hippa law, they couldn't tell me even if they had info, I asked what do invoices with codes have to due with personal health info. XXXX said they will return file to XXXX XXXX for update and close file until XXXX XXXX updates. 
I will pay all my debts if procedures are followed, but not pay with our proper insurance of all insurance on file being billed accordingly. 
So far credit bureaus showing 1 of 3 bureaus as closed, but all gave XXXX amounts owed. This collection account is not accurate as reported, and is damaging my score and profile.

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 2018-09-21
Company: MIDFIRST BANK
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We have property damage claim that was filed with XXXX XXXX XXXX in XX/XX/2018. XXXX XXXX has paid 100 % of the claim. Because XXXX XXXX is a lender on our property the insurance checks from XXXX XXXX were made payable to us and XXXXXXXX XXXX. We have received {$25000.00} from XXXX XXXX and have sent the payments/checks to XXXX XXXX. XXXX XXXX has only released {$11000.00XXXX XXXX XXXX XXXX payments on XX/XX/2018 and XX/XX/2018 to pay a portion of the repairs. Contractors finished that portion on XX/XX/2018. There is still a remaining {$13000.00} that XXXXXXXX XXXX is still holding. Our mortgage is up to date and according to XXXX XXXX XXXX protocol, in order for additional funds to be released, they require an inspection. Contractors are finishing the repairs based on our claim. We have scheduled via XXXXXXXX XXXX two appointments to have this inspection completed so funds can be released to the the contractors for work completed per our contract with them. The inspector has FAILED to show up both times, has not called and will not return our calls. WE have expressed this to XXXXXXXX XXXX both times. They have given us the number to the inspector that THEY have contracted with to resolve. This is not acceptable. We have contacted XXXX XXXX to get this resolved to no avail. WE do not have the personal funds to pay the contractors for the work they will finish in about XXXX day. We have also made XXXX XXXX aware that this issue is going on. However, XXXX XXXX says they have any authority to help resolve. Since XXXXXXXX XXXX has taken longer to pay out disbursements, other damage, MOLD damage has occurred. This will cause an ADDITIONAL claim to be submitted to XXXX XXXX for Mold Remediation.

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 2018-03-15
Company: AmeriHome Mortgage Company, LLC
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Amerihome Mortgage Company has lost three of my payments on dates XX/XX/18, XX/XX/18 and XX/XX/18. 

They told me I haven't paid since XXXX, but what actually happened was they changed my account number without notifying me. They said they were forwarding payments previously to the correct account, but starting in XXXX they no longer did that. I was never notified until I received certified mail saying I was in the process of foreclosure on XX/XX/XXXX. 

I sent them proof of payments well before this on XX/XX/18 from XXXXXXXX XXXX and all of my checks have cleared. I have received no refunds or help from the company. They have all been completely rude and uninformed. I was transferred a dozen times every time I have called. No one shares any notes that I was told to submit, however one customer service rep said she received it..then I got another foreclosure notice. This has been embarrassing and caused much anxiety for my family. Amerihome has made no effort to find the money they took from me or fix the problem. If they wish to foreclose, I have all of my records and have sought legal advice. I can't afford to make additional payments since they've lost mine already and will likely apply my next payment to erroneous late fees and other charges they created even after taking my money. attached are some documents from bank. They have repeatedly hung up on me and made no effort to return calls or emails. Admittedly, by the 15th attempt I was rude. They also dropped my credit score from XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: Ability Recovery Services, LLC
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
This debt is just a screen shot. Please send me signed documentation, otherwise I will sue. And file law suit.

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