BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-21
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: Account status incorrect

Complaint:
I had a joint credit card with another person thru XXXX XXXX XXXX, this other person had a problem with this band and closed all his accounts and they closed the credit card, they didn't consult me or inform me of them closing this credit card, I placed a call and they told me there was nothing that could be done. even though all the charges on this credit were not mine, I continue paying on the credit on time, there was never a late on this account for the past year or so. 

On XXXX the XXXX of XXXX, I tried logging on to my online banking at XXXX XXXX to make my usual payment towards this credit card and discovered that the account had been removed form my online banking, without any notice whatsoever. I call and was send over to the bankruptcy department. they refuse to give any information. I kept calling to get information on the account until finally on XX/XX/XXXX I was able to get information form the credit card department. they told me that the account was in charged off and she couldn't access the account. I responded that I needed to make a payment on the account and I didn't wanted to be late. she gave me an address and told me to send the payment there. at that point didn't want any more problems with this credit card and I manage to put enough money together to pay it off, and I did I send them the whole amount and paid it off completely on XX/XX/XXXX. 

Until today the account still shows delinquent and charge off on my account. every time I contact XXXX XXXX they tell me there is nothing they can do. I want as far as requesting a credit report from experion on this account and it shows all payment where made on time. 

My credit score before this problem was in the mid 700 and know is in the mid 600. this problem is affecting me greatly and I want all this removed from my credit report, because all the information that XXXX XXXX reported is totally incorrect. 

I was in the middle of purchasing a home and know I had to put everything on hold because of XXXX XXXX  not reporting information correctly.

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 2020-09-01
Company: TRUIST FINANCIAL CORPORATION
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
This car was an expensive monthly payment & because of this, it was voluntary surrendered to the the loan company which still resulted in a repossession on my credit unfortunately. This has impacted me in many negative ways.

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 2019-08-09
Company: DISCOVER BANK
State: NY
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:
To whom it may concern : I got an alert on my XXXX XXXX in where there was an application for credit for a DISCOVER CARD. This application was submitted on XX/XX/2019. I did not submit or apply for a DISCOVER CARD at that time. Once I realized this was a fraudulent use of my social security information I notified DISCOVER on XX/XX/2019. The customer service agent I spoke to stated he would notate it and that it was declined as the information from the application didnt match that what was on my credit report. I asked him to please remove the inquiry from my credit report when he stated I would have to write each credit bureau first so they could send an investigation request. I stated why couldnt he have it removed since the information was shown not to match what was on my file and that I called DISCOVER notifying that this inquiry was not authorized by me. I would like to have this inquiry removed immediately and each credit bureau notified this was a fraudulent application and unauthorized credit inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-28
Company: CORELOGIC INC
State: GA
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 exercising my right as a consumer to request a copy of my credit report. I have reached out to the company credco  consumer relations department. I sent my personal information along with documents to prove my identity thr company has not responded and sent my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX account is reporting a late payment for XXXX of 2020 on my credit reports that is violating the law. The Cares Act Section 4021 of the CARES Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) states that account affected by Covid-19 should not be reported late while Covid-19 is going on, and the law is retroactive to XX/XX/2020. The reported late payments should be updated to payed as agreed and the late payment removed from the credit reports based on the law.

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 2017-12-21
Company: Commonwealth Financial Systems, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was covered under the Arizona XXXX program XXXX health care at the time of this hospital bill. The insurance information was provided to the company at the time of service. I was not notified that this account was in arrears or that it would be sent to collections. The bottom line is that XXXX should have been billed for this service, and companies are not allowed to balance bill a patient with XXXX. I checked my credit report today and noticed that I was sent to collections twice by Commonwealth Financial on XXXX/XXXX/17 for {$570.00} and for {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: Experian Information Solutions 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:
I am no longer disputing 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 non-monetary relief
Consumer complaint received 2023-03-10
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:
see the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My checking account at M & T Bank showed an unauthorized international ATM charge for {$290.00} and an International Fee of {$8.00} dated XX/XX/XXXX. I did not authorize or make this ATM transaction. I did not give out my pin. I had my ATM card with me at all times. There is only 1 ATM card for this account. I submitted a Claim ( M & T claim # XXXX ), by phone, to M & T on XX/XX/XXXX stating all this. On XX/XX/XXXX M & T sent me a letter saying they denied my claim. Further, they stated : " The information and any documents we relied upon in connection with our investigation are available upon request. '' I have requested this information 5 times - 2 separate letters ( XX/XX/XXXX and XX/XX/XXXX ), 2 phone calls ( XX/XX/XXXX and XX/XX/XXXX ) and one interaction ( XX/XX/XXXX ) with Mr. XXXX XXXX, Senior Relationship Manager - XXXX, NY branch of M & T Bank. None of these 5 requests have resulted in any action by M & T. They have completely ignored my 5 requests. I can prove, with receipts during my travels on XX/XX/XXXX where I was. I need the bank to do one of two things : Either send me the evidence ( country,  city, address, local currency, time of ATM transaction ) OR admit they have no evidence and send me a check for {$290.00}. Please note that this fraudulent charge on XXXX/XXXX/XXXX is part of a continued hacking attack on my checking account. In total I have had 19 fraudulent attacks. M & T has honored all my claims of fraud with this one exception. Clearly my account was hacked. Clearly M & T knows this. I need the evidence from the XXXX/XXXX/XXXX ATM transaction. And, I have now pulled all the money out of this account and I have closed the account. End of statement.

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 2020-11-17
Company: Mobiloans, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Originally the loan was for Mobiloans.com, but it was removed due to a class action lawsuit. 

The fraudulent loans were reportedly issued by one bank, the XXXX XXXX  XXXX XXXX, and three companies owned by XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and MobiLoans LLC. XXXX XXXX XXXX and XXXX XXXX XXXX allegedly provided services to the XXXX XXXX  XXXX XXXX  and the tribal companies. Several other companies, referred to as XXXX, acted as investors for the loan scheme. 

All of the involved companies have denied wrongdoing and maintain that their installment loans and cash advances on lines of credit were all legal under tribal laws. However, the defendants have agreed to establish a settlement that will resolve the claims against them. 

Consumers are eligible for the settlement if they obtained any of the following : Loan ( s ) from XXXX XXXX before XX/XX/XXXX ; Loan ( s ) from XXXX XXXX XXXX ; Cash advance ( s ) on a line of credit from MobiLoans before XX/XX/XXXX ; or XXXX XXXX  ( s ) from XXXX XXXX  XXXX XXXX  in Pennsylvania. 
The settlement will provide loan forgiveness for all covered loans. Class Members may also be eligible for a cash payment under the settlement. 

My loan was in year XXXX and qualified as one of the loans to be forgiven. The creditors removed the loan from my file, and I thought that was the end of it. But a collection company called. XXXX XXXX XXXX ph : XXXX, XXXX has been calling both my phone numbers many time 's, saying I owe {$1200.00} which is false. I told them this loan was removed due to the information above and I requested XXXX from XXXX XXXX XXXX to stop all contact with me. They still continue to call multiple times a day and night. Recieved call on XX/XX/XXXX at XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX at XXXX, XXXX. 
I also have a recorded conversation from XXXX, and informed them I was recording. I told them about the lawsuit, and my loan was forgiven under the lawsuit, and removed from my credit report since XXXX, they now are trying to force me to pay a loan I don't owe, and refuse to stop contacting me even after I told them multiple times. 

Their website is XXXX  : XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-11-27
Company: Awar Holding Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
It was taken off one credit bureau but not the others. I was not responsible for it due to the fact I had Medicaid. It is {$2900.00} through gem recovery

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-09
Company: The Best Service Co.,Inc
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
on XX/XX/2021 i ran my credit report and notice a company name THE BEST SERVICE COMPANY XXXX XXXX had reported a collection account on my credit. 
Upon investigating it states this is from XXXX XXXX XXXX XXXX. 

My XXXX XXXX XXXX XXXX account was hacked and XXXX XXXX XXXX XXXX refused to investigate. After encountering NSF fees i called the branch to figure my options. The branch credited the account the negative amount and closed it due to the fraudulent activities. 
Now i am being billed for someone else fraudulent activities and the bank has refused to investigate

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 2019-08-09
Company: Experian Information Solutions Inc.
State: NY
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: Other problem getting your report or credit score

Complaint:
Hello! I changed my name legally in 2016, and I provided the credit bureaus ( XXXX, XXXX and Exoerian ) with my court ordered name change via certified mail. I have been trying to apply for apartments with people asking why isn't not pulling up. I have even been declined a prepaid Visa credit card due to this and it's ruining my life. I went to the Social Security office in XXXX and they told me that I should report the credit bureaus. I am credit invisible. Please help!

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 2018-04-04
Company: Experian Information Solutions Inc.
State: WA
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:
Hello, I have hard inquires that are reflected on my credit report that I do not recognize. As a result of the numerous unauthorized inquiries, I will be locking my credit report and enabling life lock to protect me moving forward. Please see the following inquires below : XXXX Credit/Infinity XX/XX/XXXX - company unresponsive XXXX Credit/Northwest XX/XX/XXXX - company unresponsive XXXX XXXX XX/XX/XXXX - did not authorize as I am a renter XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX - Inquiry unauthorized - contacted company XXXX/XXXX XXXX XX/XX/XXXX - did not apply for home loan XXXX XXXX XX/XX/XXXX - did not authorize no account linked to my credit Factual XXXX XX/XX/XXXX - did not apply for a home loan XXXX XXXX XXXX XX/XX/XXXX - Did not authorize, did not apply for an installment loan - company very unresponsive XXXX XXXX XX/XX/XXXX - Did not authorize - contacted XXXX explained it's over the 2 year mark please remove. 
XXXX  - Contact information does not reflect on my credit report to dispute with the company, but have attempted to contact them via the internet. 
XXXX XXXX XX/XX/XXXX - did not authorize have reached out to the company failed attempt will contact once more XXXX XXXX   XX/XX/XXXX - did not authorize XXXX/XXXX XX/XX/XXXX - never heard of the company - did not authorize

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 2018-04-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08
Company: CCS Financial Services, Inc.
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a debt on my credit report that I do not recognize from XXXX originally and now from a debt collection company. I don't have an account open with XXXX or any vehicles listed under their insurance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
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: Account status incorrect

Complaint:
I had a joint credit card with another person thru XXXX XXXX XXXX, this other person had a problem with this band and closed all his accounts and they closed the credit card, they didn't consult me or inform me of them closing this credit card, I placed a call and they told me there was nothing that could be done. even though all the charges on this credit were not mine, I continue paying on the credit on time, there was never a late on this account for the past year or so. 

On XXXX the XXXX of XXXX, I tried logging on to my online banking at XXXX XXXX to make my usual payment towards this credit card and discovered that the account had been removed form my online banking, without any notice whatsoever. I call and was send over to the bankruptcy department. they refuse to give any information. I kept calling to get information on the account until finally on XX/XX/XXXX I was able to get information form the credit card department. they told me that the account was in charged off and she couldn't access the account. I responded that I needed to make a payment on the account and I didn't wanted to be late. she gave me an address and told me to send the payment there. at that point didn't want any more problems with this credit card and I manage to put enough money together to pay it off, and I did I send them the whole amount and paid it off completely on XX/XX/XXXX. 

Until today the account still shows delinquent and charge off on my account. every time I contact XXXX XXXX  they tell me there is nothing they can do. I want as far as requesting a credit report from XXXX on this account and it shows all payment where made on time. 

My credit score before this problem was in the mid 700 and know is in the mid 600. this problem is affecting me greatly and I want all this removed from my credit report, because all the information that wells fargo reported is totally incorrect. 

I was in the middle of purchasing a home and know I had to put everything on hold because of XXXX XXXX not reporting information correctly.

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 2021-11-01
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
My Name is XXXX XXXX - address is XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX. email address is XXXX. 

My mom recently died on XX/XX/XXXX, XXXXand we are in the process of trying to sell her home. My mom lived with my sister at her home for the last 3 years which is XXXX XXXX XXXX- XXXX, Michigan XXXX. 

My parents had taken an equity line out back in XX/XX/2010 and since that time the XXXX XXXX sold to Chemical Bank and then sold to TCF Bank and Huntington Bank just brought TCF Bank. 

Huntington Bank is giving us a payoff of {$14000.00} but refuses to state to the title company XXXX XXXX XXXX in XXXX, Michigan that this will take the lien off for the property located at XXXX XXXX XXXX XXXX, Michigan. This is causing a problem with the closing on the property. We need help with trying to get this bank release the lien. I have attached the documents pertaining to this Equity Line. 

Thank you in advance for trying to help us.

Company response to consumer: Closed with explanation