BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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, a responsible consumer, XXXX, reasonably believe that I have been a victim of ID Theft. 

I detailed my story in my ID THEFT AFFIDAVIT ( attached ). I reached out to the XXXX Police department and filed a report. And I also filed a report with FTC and USPS. 

I HAVE FOLLOWED ALL THE ADVICE. I did everything XXXX saidvIbhad to do. 

It seemed like a lot of work! But I went down my to do list -step by step -ensuring I do the best I can as I attempt to navigate name clearing process, its frustrating that Ive come to a stop. 

An INFORMATION FURNISHER AND DEBT BUYER NAMED XXXX XXXXXXXX XXXX XXXX LOCATED AT : XXXX XXXX XXXX XXXX VA XXXX has very openly decided to ignore the rules of how to assist a victim of id theft. 


Can you please help me remind XXXX XXXX XXXX of the laws and protections for American citizens like myself. Im not going to pay two debts that ARE NOT MINE. 

Maybe XXXX XXXX XXXX dont understand rules? 


ACCOUNTS IN QUESTION ARE 2 COLLECTION accounts Owned by XXXX bought from XXXX one is for XXXX and the other is {$350.00}. 

BOTH ARE NOT MINE. 

Thank you for your help, 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 2019-05-14
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX doesn't accurately report to the credit bureaus and will not fix their issues when a consumer contacts them to resolve the issue. I leased a new vehicle through XXXX XXXX   I returned my original XXXX XXXX XXXX and a payoff check from the dealer was mailed out to them for the amount of {$1300.00} to cover this. The check was received by XXXX XXXX on XX/XX/XXXX but was not credited to my account until XX/XX/XXXX. My original due date for my payments remaining on the lease was XX/XX/XXXX. Because I purchased this new lease I contacted XXXX XXXX to validate if anything was going to occur to my credit report since I was 2 days late. This was even prior to the due date lapsing. I was told they only report at 30 days past due. Once they received the check and credited to my account, they still left my account in a past due status. This was after my inspection for no damage on my return vehicle and when they waived the early termination fee or disposition fee since I leased again through them. I was told that the account would show past due even though they were paid since it is a " retail account '' and wouldn't be removed from the online portal until the car sold at auction. I took them at their word and left it at that. They neglected to ever update my credit report with the credit bureaus and left the {$1300.00} balance out there for over 2 months since they were paid off. I filed a dispute with XXXX   and XXXX hoping that they would address this issue. XXXX XXXX then reported back to XXXX that I was 30 days past due for the {$330.00} dollar amount that would have been a normal payment. This is not accurate information. When I attempted to contact XXXX XXXX via phone, after I had discussed all the logistics of my current lease with them over 10 separate calls, I was told that my account is not showing past due and that they didn't report that information to the credit bureau ( XXXX ). They said I would have to follow the normal dispute process to get this fixed and would not forward me to anyone that could properly address the issue. As a consumer that re-leased through them, always paid on time and made every attempt to prevent this, an issue still occurred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-22
Company: Experian Information Solutions 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:
I believe that i was victim of Identity Theft, somebody used my personal information and applied for all this cards. I am not responsible for this accounts.

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 2019-05-14
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 have a credit card with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX only reporting me 120 days late payments. There was an error on their part. I was never 120 days late.

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 2019-05-14
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 have a credit card with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX with no successful resolution. XXXX, TransUnion, and XXXX only reporting me 120 days late payments. There was an error on their part. I was never 120 days late.

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 2019-05-14
Company: I.C. System, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a call from IC Systems regarding a account last week. Was told they just received a account opened in my maiden name in which I havent used in over 22 years. Also the rep couldnt provide any information. I requested validation ( a  wet signature ) of the contract. Told him it wasnt mine & I need more information. Was told they just received the account 7 days ago. However I received no letter, 3 calls in the same day after I requested No calls. And the account should still be in the validation period collector requesting payment. Huge FDCPA violation. I recorded the calls as well. This is Not my account and was not opened by 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 2019-05-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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 have a credit card with CAPITAL ONE. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CAPITAL ONE and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and CAPITAL ONE with no successful resolution. XXXX, XXXX, and XXXX only reporting me 120 days late payments. There was an error on their part. I was never 120 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
On XX/XX/XXXX I made an on-line purchase using my credit card at Kohls. I never received the items. I reported this to Kohls on XX/XX/XXXX. I also found out that that the shipper Kohls contracted sent the package back to Kohls and I have proof of this. I asked that the order be canceled and my account credited. On XX/XX/XXXX I received a phone call from Kohls about my late payment. I spoke to XXXX ID # XXXX who told me it did not matter whether I received the product, I still had to pay for it! On XX/XX/XXXX I called and spoke to XXXX ID # XXXX and she assured me that this would be taken care of and gave me a reference # XXXX for this. 
On XX/XX/XXXX I received an alert from XXXX XXXX that my credit score had dropped more than 60 points because Kohls reported my account as non-paid. I immediately called Kohls and spoke to XXXX ID # XXXX. She said that my account had been credited for the items I did not received on XX/XX/XXXX. However, I was being charged late fees and interest. Huh? Late fees on a balance I did not owe??? I would like to add that I reported that I did not receive the items ordered before the end of the billing cycle. I do have documents from the shippers that I can provide by mail. I tried to include them here but I was not able to scan and send them successfully.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My wife and I have been seeking a loan modification with Select Portfolio Servicing ( SPS ) for over a year now and we recently filed CFPB complaints highlighting what we believe to be discriminatory and fraudulent business practices. Although we recently received a letter from SPS stating that the scheduled foreclosure date of our home ( XX/XX/2019 ) has been cancelled, as of XX/XX/2019, SPS 's attorney XXXX XXXX XXXX, XXXX still has our home listed on their website to be foreclosed upon on XX/XX/2019. Please reference SPS Foreclosure Cancellation Notice dated XX/XX/2019, attached. 

Thank you. 


XXXX XXXX XXXX XXXX. 

Customer Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX File Numbers : XXXX XXXX XXXX XXXX Property Address : XXXX XXXX XXXX XXXX. XXXX, VA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have hired XXXX XXXX to dispute inaccurate information, however XXXX, Equifax and XXXX are still disclosing information that are closed on my report and inaccurate and have been paid over 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: SIERRA PACIFIC MORTGAGE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A payment was made by the property management company handling my account on my behalf. The payment was made on XX/XX/XXXX. I was notified by my mortgage company that may payment had not been made and that I was going to have a negative mark on my credit if it was not resolved. 

I immediately reached out to my property manager who confirmed that the payment was made, and that the check was cashed by the mortgage company. In good faith they made a payment immediately and reached out to the mortgage company XX/XX/XXXX. Since then we have received the run around from the mortgage company, and have spent countless hours on hold, being told it is being looked into. They do acknowledge the check being received but at this time unable to locate where the funds are. We have talked to several supervisors, and each of them promise to get this resolved within 24-48 hours, and then they no longer return our calls. 

As of today XX/XX/XXXX, this issue has yet to be resolved, and we are no closer to this issue being taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Bank Of America closed my Credit Card ( which i know is within there rights ) even thought i have perfect payment history for over 7 years never missed payment, with no explanation. Issue is i spoke to BOA today XX/XX/2020 about my Credit Card, asking for about my account, and i was transferred to the collections dept ( XXXX spoke to me as noted on my account ) she informed me i was in collections on a account i am NOT late on, with perfect payment history. i requested a reduction on the payments or interest from BOA as indicated to me they closed my credit card account based on my BAD financial situation as they see it. What BOA is offering is Nothing to help me with my account or terms ( interest/payments ) only to refer my account to a DEBT Consolidation company, and to further RUIN my perfect credit standing, as they did by closing my account with NO Reason. Due to there ( BOA ) actions i have suffered a drop in credit standing and loss of credit rating ( a very severe act and an attack on myself by BOA against a past excellent customer ), speaks volumes about the real BOA and how they DONOT value customers and have worst customer service and attitudes with they customer ( which i am now proud i am NOT one of these and never will be again )

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 2020-02-22
Company: Kashia Services
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
To borrow {$320.00} I have to pay back {$2400.00} with {$97.00} dollars deducted from my bank account every two weeks. This is a predatory loan. The interest is 780 %. Thats XXXX a month I pay back when I only borrowed {$320.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: Experian Information Solutions Inc.
State: NY
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:
Requestor ( myself ) : XXXX XXXX Contact : XXXXXXXXXXXX Phone : XXXX Account # : XXXX Business : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX On XXXX '2016, XXXX XXXX XXXX reported to the credit bureaus that I was 30 days late on car note payment. All car note payments were made on or before the due date. 

After investigating this matter with XXXX XXXX XXXX, they stated that the late reporting was due to fact that they were unable to verify my car insurance coverage and expected me to pay an extra {$1500.00} per month while they obtain validation. XXXX XXXX XXXX eventually received events that that my car insurance had never lapse but they refuse to remove the 30 days late payment and fees from my credit report. I paid the fees to avoid anymore negative reporting on my credit report. I 've tried to working with several levels authority within XXXX XXXX XXXX and they refused to update my credit report. I 've also contacted the credit bureaus for assistance with getting this negative mark ( 30 days late ) removed but no success. 

If you can kindly assist with this matter, it would be greatly appreciated. 

Best regards, 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 2020-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My information was affect in the date breach. A lot suppious activity is happening on 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 explanation
Consumer complaint received 2019-10-14
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that DEPT OF ED/NAVIENT   has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: EQUIFAX, INC.
State: VA
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 have never applied for this companies, I'm not responsible for this inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Ditech Financial LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Have a mortgage on a mobile home with Ditech. Never received a bill in XXXX XXXXand by XX/XX/XXXX still had not received a bill. Called the customer service to ask about account status, was told my bill had been mailed out on the XX/XX/XXXX, payment on this account is due on the XX/XX/XXXXof each month. Finally received the bill and sent payment for both XX/XX/XXXX and XX/XX/XXXX. Got a notice yesterday that I was in risk for foreclosure and that they want me to talk to Loss Mitigation. I got online and looked at my statements. There was no record of a statement having been sent in XX/XX/XXXX, and no record of one being sent in XX/XX/XXXX, until the statement sent on XX/XX/XXXX. 

I tried to contact customer service yesterday. Chat was " unavailable ''. I called their customer service number 5 times, got disconnected every time when the automated system claimed to be sending me to a representative. An attempt to send a message through the website also failed with a message that an error prevented it from being sent successfully. 

I immediately made an online payment for the amount they said was " past due '' - {$830.00}. to be processed immediately. Payment has not credited to account. I did call my bank, and the payments I sent through the mail have not been paid yet by them, but I will continue to monitor. 

I believe no billing statement was sent either due to sheer incompetence or in attempt to deliberately put me in default. I took a screen shot of the list of statements available on their site ( showing no statement had been generated in XX/XX/XXXX, and the late statement issuing on XX/XX/XXXX ). I also downloaded all statements from them since XX/XX/XXXX, in case I end up in court with them. I have had this loan and paid it faithfully since XX/XX/XXXX. 

I also received a notice from them that they are in Chapter XXXX bankruptcy, so filing a suit against them now seems like a pointless gesture. 

This company needs oversight, now. Looking online I see numerous complaints from others having the same or similar problems with payments not credited and being unable to reach customer service to attempt to resolve problems.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a credit card with Citibank that I have had since XX/XX/XXXX. Recently the minimum payment increased significantly. I inquired with Citibank. The representative explained that there were two balance categories on which interest was being charged.

In reviewing several periods worth of statements, it became clear that Citibank was applying my payments to the lower interest rate segment first, maintaining a balance on which over 20 % interest was being charged. This appears to be a violation of the CARD Act of 2009 As can be seen in the attached statements, the balance has not decreased. {$240.00} of payments were made during the period and no new purchases.

{$20.00} in XX/XX/XXXX {$20.00} in XX/XX/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