BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-01
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:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over XXXX days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA XXXX ( a ) b ) by failing to mark this disputed account as disputed XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating XXXX XXXX per the XXXX opinion.

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 2018-03-26
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX, XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The account I will talk about is a joint bank account and both XXXX XXXX and spouse XXXX XXXX are user of such account. In XXXX XXXX XXXX wallet was stolen. The next day we noticed two {$950.00} withdrawals from the account. We immediately went to the bank to inquire about the withdrawal. The bank employee pulled the withdrawal slip and said it was done through the drive thru. They showed me the slip and the signature was obviously different than our signatures. I submitted a claim with the bank and they credited my account. A week ago they reversed the transaction and they charged my account with {$1900.00}. I called the bank and they stated that the investigator determined that two forms of identification were used. The PIN and the ID. This is not possible because we were together and at work when these transactions took place. No one other than us know our PIN numbers. However, even if the PIN was used, the ID could n't have matched the person who collected the funds because we did n't go to the bank that day in the morning. We were both at work and we work together. Furthermore, the signature on the slip and the signature recorded on the account do not match at all. Now my account is negative {$1900.00} and the results of the investigation on my claim are in no way possible.

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 monetary relief
Consumer complaint received 2019-01-21
Company: Law Offices of Robert A. Schuerger Co., LPA
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
After receiving several threatening letters from the Law Offices of Robert A. Schuerger, LPA, in addition to threats of lawsuit from one of their incompetent representatives after I demanded the proof of debt, I demanded to speak with a Supervisor. The Supervisor I spoke with was polite yet stated the debt was from a private loan from XXXX State University and promised to request the proof of debt from the University. 

Upon receipt of the " proof '' dated XX/XX/XXXX, it was clear the debt was not private, it was another government loan that had already been consolidated. 

The Law Offices of Robert A. Schuerger, LPA claim they are working on behalf of the Ohio Attorney General 's Office. Their practice should be penalized accordingly for false representation and for threats of lawsuits when asked for proof of debt as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have a problem with XXXX. I was recently denied a HELOC loan based on my XXXX   score. My score dropped by 54 points on XX/XX/2019, although there was no negative information reported on my file during this time. The XXXX  representative ( XXXX ) could not explain the drop to me, except to say that it was automatically done by their computer. These credit bureaus are a racket. It is difficult to get an agent on the phone who speaks clear English, after their persistent attempts to sell you a monitoring product. Ive worked hard to improve my credit score. In the case of XXXX, they have put a 54 point drop on my score, but cant explain it to me. This should not be allowed to happen. I want an explanation, as well as a restoration of my 54 points, at least.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
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: Account status incorrect

Complaint:
XXXX # XXXX is reporting lates that I should not have. I changed my payment date from the XX/XX/XXXX to the XX/XX/XXXX and this is an error on their part. I have had this account for 15 years and have not had a single delinquency until now, which is not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I went in person to XXXX XXXX in XXXX, Nevada on XX/XX/XXXX to look for a used XXXX XXXX  -- sales people suggested a car for me - said price is right etc it was XXXX XXXX XXXX vin number XXXX - very clean looked new -- i made arrangements - {$4000.00} down payment - car to be delivered 90 miles away to my home. This was done all seemed fine -- i just continued with my life during covid = figured motor vehicle closed and all keep driving my XXXX XXXX XXXX -- but i did not receive anything from AZ MVD -- phoned XXXX - mentioned it -- they said sent papers to AZ MVD but were returned - i asked send again and i will go in person to AZ MVD - i did so AZ MVD refused to process -- seems XXXX XXXX NO OWN CAR - title in name of private party and HAS A LIEN car has been at my address XXXX will not take car back - i have sent numerous e mails AND the CAPITAL ONE BANK involved in a car loan for this vehicle keeps saying i have a car loan with them. I DO NOT - and have told them this -- they know it -- and i made about 3 payments to them before i realized entire car sale and loan false. They refuse to return my money. They are damaging my credit. The car itself is abandoned in my carport - note no official loan number - this is not legal contract

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Back in XXXX of XXXX I found that I was being charged for a " Debt Protection Fee '' on my Best Buy Credit Card that I didn't know that I was enrolled in. I reached out to Best Buy and they told me they were going to look into it and mail me a response of their findings and possibly a refund. I never received anything in the mail. I signed into my Best Buy Credit Card account to see if I can find anything regarding the " Debt Protection Fee ''. I found that they sent me two emails to this account but I never received a notification. In the first email of XX/XX/XXXX, they acknowledged that I inquired about the " Debt Protection Fee '' and that I wanted it cancelled. In the second email of XX/XX/XXXX, they informed me that the " Debt Protection '' was  cancelled and that the fees charged to me are " Valid and Non-Refundable ''. Also in this second Email it says that I " Purchased '' the " Debt Protection '' on XX/XX/XXXX. I didn't have any knowledge of purchasing or enrolling to " Debt Protection ''. No employee ever told me I purchased or enrolled in the " Debt Protection ''.  Unfortunately, I only have visibility to statements from XXXX and the yearly charges are ( XXXX - XXXX and XXXX - XXXX ) and I am unable to view any charges from XXXX and prior.

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 2019-07-11
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:
XXXX # XXXX is reporting lates that I should not have. I changed my payment date from the XX/XX/XXXX to the XX/XX/XXXXand this is an error on their part. I have had this account for 15 years and have not had a single delinquency until now, which is not my fault.

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 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Several months back I submitted a complete XXXX fraud affidavit and Police Report combined to Trans Union to remove accounts and addresses and inquiries related to my identity being used fraudulently. They agreed to remove all the information. What they did not tell me was that they also own a third party consumer reporting agency which provides third party consumer credit risk reporting from Trans Union and that company is called Trans Union XXXX XXXX. 
I recently applied for a credit account through my credit XXXX which is XXXX XXXX XXXX XXXX. This report was used against me and contains collection accounts, addresses etc that had been reported and it is directly related to all my identity theft issues. I spoke to my credit union who received a XXXX score of XXXX through the XXXX XXXX report owned by Trans Union. 
I also called Trans Union and not a single individual can tell me how to order this consumer report used against me to decline me credit. My current XXXX score with Trans Union is XXXX substantially higher than their other version. 
They even have a business website about Trans Union XXXX XXXX but no access for consumers to ask for a copy of their consumer report its only for lending institutions. Ive contacted them as well and they refuse to contact me back since Im only a consumer. 
I need access to this evasive report to identify and fix this report to correct it due to my identity theft.

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 2018-01-24
Company: SLM CORPORATION
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I filed a complaint already back in XXXX saying that Sallie Mae would not work with me about lowering my monthly payment. They called me during work and when I was off work they were gone for the day. And they said they would send me a letter and I never got one. They closed my case saying that it was resolved when it was not. My loan monthly payment is more than I can afford. I have to get health care and dental care and I wont be able to afford it as my payments continue to sky rocket! I now have to choose between food or gas. Because I have to save up money for my loans I have XXXX dollars to my name to last me for two weeks until I get paid and I have to save that pay check to pay for Sallie Mae and other bills

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Atlanticus Services Corporation
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:
I decided to check my XXXX XXXX after not checking for many years to make sure nothing is out of the usual and saw under XXXX  report, 2 hard copies from companies that I dont even know. Nor have I requested for any credit card/loan in the past couple of years. Or was ask by anyone to have credit checked. These 2 companies are below : XXXX XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Inquiry shows : XX/XX/XXXX And Creditor Contact Details XXXX   XXXX XXXX XXXX XXXX, FL XXXX Inquiry shows : XX/XX/XXXX These hard inquiries are hurting my score and I would like to find out how to remove them. I never agreed for those inquiries. 

Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: Experian Information Solutions Inc.
State: GA
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:
These inquiries listed below were not authorized by me. These are unauthorized inquiries and I am requesting these fraudulent inquiries to be removed. I do not have any of these accounts on my file and did not request any credit from any of these lenders. 


XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXXXX/XX/2020

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 2018-01-24
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX TO : Federal Reserve Bank Consumer Financial Protection Bureau FR : XXXX XXXX XXXX RE : COMPLAINT - Citibank Lending Practices Unethical I opened a Home Equity Line of Credit ( HELOC ) with Citibank on approximately XX/XX/XXXX. My first mortgage was also with them. One of their requirements was to open a checking account ( Checking Plus ) and an overdraft line, along with the Home Equity Line. I resisted as there was no need for a separate checking account, but Citi insisted I have it. 

My condominium was refinanced through XXXX XXXX in approximately XX/XX/XXXX. My Citi first mortgage was paid off at that time. 

The HELOC stayed open and I continued to pay it down. 

When the property was sold on approximately XX/XX/XXXX, escrow requested clarity on the HELOC. I agreed to pay off the HELOC myself, outside of escrow. That payoff was completed on or around XX/XX/XXXX. 

I called Citi and requested that ALL accounts associated with the HELOC. That would include the Checking Plus. 

On about XX/XX/XXXX, I received a statement with {$10.00} owing for the Checking Plus account. I was under the impression they closed this in XX/XX/XXXX, and called Citi again. I paid the fee in a Citi branch ( XXXX XXXX XXXX, along with a verbal complaint. I have a receipt showing that the account was closed. 

On XX/XX/XXXX, I received a notice via text that I owed {$170.00} for the Checking Plus service fees. Again I called and understood all accounts had been closed. 

On XX/XX/XXXX, I went into the local Citi branch again to complain and tell the whole story again. I spoke with the Branch Manager, and she told me she would research it. When she got back to me several days later, she stated that I closed the regular checking, but failed to close the checking plus. They also insisted on payment of the {$170.00} to proceed with closure. 

Citi also reported adverse credit information to the credit bureau. They have since refused to fix the adverse credit information. 

As I researched the {$170.00} in fees, I saw that in XX/XX/XXXX nothing was owing. In XX/XX/XXXX, it showed {$65.00} in checking and {$100.00} in overdraft. I NEVER used these accounts and they should have been closed multiple times. 

This has been a maddening experience, causing me hours and hours of time and trouble. I have called multiple times, and made 2-3 branch visits to try and rectify this. I also want all service fees ( minimum {$170.00} ) refunded to me ASAP with a corporate apology. I want all adverse credit info removed ASAP. They are an unethical bank with very poor customer service. 

Very Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently went to a car lot to get a auto loan. Six different companies ran my credit report one company ran it there times in two days. This all happen on XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX ( 2nd inquire ) XXXX XXXX XXXX inquired on XX/XX/XXXX ( 3rd inquire ) XXXX inquired on XX/XX/XXXX all of these are hard inquiries on my XXXX credit report.. I made it very clear I wanted the auto loan to be financed through XXXX XXXX XXXX but I did not give permission for them to run my credit three different times

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: ENCORE CAPITAL GROUP INC.
State: SD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I feel that the debt is not valid, I do have an open account with the credit card agency, this one is a notification that there was a debt for a separate credit card from 2011, I did not have a credit card with that agency in 2011

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-21
Company: HW Holding, 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: Investigation took more than 30 days

Complaint:
Hunter Warfield is attempting to collect on an invalid debt from a prior creditor. The initial creditor XXXX XXXX XXXX breached their contract by not adhering to my request to fix hazardous problems. 
In addition to this XXXX XXXX  XXXX tried to hold me accountable for rent when the contract had already been terminated. XXXX XXXX  XXXX then sold the alleged debt to Hunter Warfield, within months this was being reported on my credit report without an initial attempt to collect on the debt, I was never notified of my rights, nor was I given the opportunity from Hunter Warfield to prove the validity of this debt. I hold both XXXX XXXX XXXX and Hunter Warfield accountable because my rights were violated under both the Fair Credit ReportingAct and the Consumer Financial Protection Bureau. XXXX XXXX XXXX did not follow rules and regulations per the XXXX XXXX XXXX-If you dont receive a response within a reasonable time, re-notify the owner/manager orally and in writing. If you still dont get a response, you may have legal grounds to exercise statutory rights of lease termination, compulsory repairs, damages, penalties, third-party repair and deduct, and attorneys fees. ( Instead of giving two separate written notices, you can give a single notice if it meets certain standards provided under state law. ) Under this rule my lease was legally terminated and other tenants have since then resides in the property.

Company response to consumer: Closed with explanation