BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. This account does not belong to me please remove 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-12
Company: CMRE Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/22 & XX/XX/22 I sent a letters regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days given a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: Collections Acquisition Company, Inc.
State: WI
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 name is XXXX XXXX, I happened to have a person who shares the same name and last name with me in XXXX Wisconsin. I paid off all my debts on my credit but collectors keep putting his activities on my credit report. 
1 ; three account all from woodmans grocery store. the amounts are {$130.00}, {$120.00} and $ XXXXThese are negatively affecting my credit report on XXXX. I know this person and talked to him about it and he admitted the accounts are his. Can you please help me and make sure this doesn't happen again. This not the first time,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports.XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX, XXXX/XXXX  XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX XXXX IL, XXXX My name is XXXX XXXX XXXX My phone number is 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 2018-02-12
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
THIS LOAN OFFICER ILLEGIALLY USED MY IDENTIY WITH FINACIAL INFORMATION I WAS NOT AWARE OF. I WAS AWAITING SOCIAL SECURITY XXXX FROM BATTLING XXXX XXXX XXXX. I WAS REFERRED TO THE AUTO DEALER BY BROTHER PURCHASING HIS VECHILE THERE. IVE NEVER BEEN EMPLOYED BY THE EMPLOYER WITH EARNINGS AT THAT TIME EVER. PRIOR I WAS LEASING VECHILE WITH XXXX   WITH THE UNDERSTANDING SAME KIND OF CONTRACT WITH MY OWN INSURANCE. MY PAYMENTS WERE HANDLED BY CASH WITH XXXX. I HAD NO KNOWLEDGE OF THE INCOME PROVIDED NOR WAS I ASKED. I WAS NEVER AWARE OF PURCHASING THE VECHILE FOR 30,000 PLUS WITH NO PLACE OF EMPLOYMENT. I HAD NO KNOWLEDGE OF THE LENDER ILLEGALLY PROVIDING FALSE PLACE OF EMPLOYMENT WITH EARNINGS HOLDING ME RESPONSIBLE FOR THE COST OF VECHILE THAT WAS GOING TO BE TAKEN FOR UNABLE TO PAY FOR. I FEEL DEALERSHIP AND LOAN OFFICER USED MY IDENTITY FOR THERE FINACIAL GAIN. THIS IS IDENTIFY THEIFT FOR ONES GAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was scammed by online company. 
Tried to buy cat for XXXX . 
Pay in Bank of America and bank does not allow me to Desputing. Its happening XX/XX/2121 2121

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 2020-10-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
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:
After a year of yelling this company my credit card was STOLEN and then sending the account to their atty XXXX XXXX I spoke to supposedly 3 attorneys who stated they never got notice of my 3 affidavits I filled out and sent with police info - I gave up. This account is hurting my score so I was told to pay it off and then my new XXXX company will go after them for not helping when I had everything and evidence that provide my case. Now they are not reporting my payments made or lowered balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
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 has failed to send the legally required validation or response to my request for validation of account number XXXX. I have sent you Debt Validation Letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX, and XX/XX/XXXX, having return receipts signed by you ; suggest that you have received the letters. 

I. XXXX/HSBC/XXXX  XXXX knew or should have known that the actions taken against me and the information collected about me were inappropriate and damaging to me. 

II. XXXX/HSBC/XXXX  XXXX failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 

III. XXXX/HSBC/XXXX  XXXX communicated and is continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX. 

As a result of these blatantly reckless, malicious, and intentional acts, I have suffered and continue to suffer general and specific damages. I am now demanding the immediate and complete removal of this tradeline from my credit reports Please understand that I am extremely concerned about the consequences of the actions XXXX is having on my life and would like a quick resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have or had a Sychrony Home credit card. When the pandemic started I continued to make payments to them as usual. Suddenly in XX/XX/2020 they marked my account closed and written off. I have never missed a payment with them ever. I could hardly believe this. Since then I have contacted them and they said their computer makes those choices. They have continued to send me statements saying I have to pay which I have been doing. This morning I realized they are charging me a high rate of interest on my account that is closed. I FEEL THIS IS UNFAIR PRACTICE AND THAT SOMETHING NEEDS TO BE DONE ABOUT THIS COMPANY. I AM SURE I AM NOT THE ONLY PERSON IN THIS SITUATION. IT IS UNFAIR AND UNWARRANTED. I AM ALSO TRYING TO FIND AN ATTORNEY FOR A CLASS ACTION LAWSUIT. I cant believe they can or are still charging me interest for this account. I pay on it monthly but what they are doing is terribly wrong. I hope you can and will do something about this company. I have seen many other complaints on the internet.

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 2019-11-16
Company: Midwest Recovery Systems
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midwest Recovery Systems reported on XX/XX/XXXX a collection on my XXXX  credit report for {$530.00}. When I contacted the number listed, they say the original creditor was XXXX XXXX and the debt is related to a XXXX payday loan. I was never notified of this debt, and when I requested detail on the specific debt, they were unable to provide it and referred me to a company with a disconnected number. I called the company XXXX XXXX that they say was the original creditor, and the company confirmed I never had any unpaid loans from them. I have disputed this charge with XXXX and am waiting on resolution to get it removed from my credit report. I do not understand how a company can just add a collection on a consumer 's credit report without any support or prior notice to the consumer. The credit bureaus need to address this issue, it has impacting a large number of consumers, judging by the number of complaints about this company and others like it on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
i CAN NOT believe that I have to correct this problem yet again. I already informed HARRIS BANK in XXXX, that I had an agreement with a previous HARRIS BANK employee in XXXX that I was to put down a XXXX down payment and pay them XXXX a month for my debt. 

Instead, of paying my mortgage down, they are INCREASING it every month. They keep transferring the servicer, and now in XXXX they sold servicing to XXXX  and now I receive a statemetn that my equity is CHARGED OFF, even though I have been paying them the required amount of XXXX a month as I was negotiated this with previous representative. 

This is the SECOND TIME, I am going thru this. Furthermore, my balance should be reduced by all these XXXX payments and NOT increasing. This is not a negative amortazation loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: AmNet ESOP Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I signed an initial LE that was correct except for it had me paying 25 % down instead of 20 %. The LE had a rate if 3.625 % with 200 in points. Lender and I discussed this change and he asked me to sign and he would fix later. It was communicated to the lender that the closing date would be XX/XX/XXXX. It is in writing at least 3 times. I followed up with the lender multiple times up until closing and was told everything was OK. Less than 24 hours before closing I was told I would not be closing and they needed more documents. New closing date is XX/XX/XXXX. On XX/XX/XXXX I received the LE in preparation for closing. It was 20 % down, 3.625 % rate and points was now XXXX. I went back to the lender on XX/XX/XXXX to discuss this discrepancy and no response that day. I was never informed of the change. The next day I contacted the lender again. I was told either I needed to pay that or to make the points better pay 25 % down. He was supposed to talk to his leadership and stopped responding to me, so I asked my husband to call him from an XXXX XXXX. During that call he tried to convince my husband to sign the LE. Loan officers actions were DECEPTIVE. I cancelled the loan due to the lenders deceptive practices. Because i did not sign the LE, i was gauranteed to again miss my closing date. I repeatedly and through many channels asked for help from leadership and never received help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian is not updating my credit report in a timely manner. Creditors are reporting me NOT late on the other 2 major bureaus, but Experian is showing I am late for the same exact account. Attached you will find documentation on my XXXX   and XXXX credit report showing I am NOT late payment for the month of XX/XX/2019. I do not have 2 missed payments with creditor XXXX XXXX XXXX. Experian is reporting or showing, that I have 2 missed payments with creditor XXXX XXXX XXXX which is incorrect. Experian credit report is also attached to this compliant to show they are reporting me late, and last update on Experian is XX/XX/2019. Attached are to billing statements from XXXX XXXX XXXX showing I made my payment for XXXX. Please review the highlighted sections. Experian is also currently reporting the wrong balance.

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 2021-02-10
Company: Experian Information Solutions 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:
This account is in error and the credit bureaus are just doing the same old thing over and over again, and it is just tiring. I disputed the information and it came back verified even though the information was incorrect. As showed in the picture below the date opened for for all three bureaus are wrong, the account balance is wrong, and the date last active is just wrong. I wasn't even in XXXX all of XXXX, I have been living in XXXX since the end of XXXX. I'm in talks with a new potential employer and due to their requirements I can't have any collections on my credit 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 2020-02-27
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9600.00}.

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

-- AUTO ACCOUNT -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In XXXX a discover card was opened in my name, in XXXX I discovered this information and called the police and made a report. I also filed a report with the FTC as instructed by the police and sent a letter to the credit bureaus. The results were the account was removed form all reports. In XXXX of XXXX Experian put the account back on my report after calling them I was told I'd have to restart a dispute process. I am in the middle of closing on a home and this is an account that never belonged to me nor did I give anyone permission to open for any reason and was already removed from my credit file. Please help me as this could cause me a great setback. Below is a copy of the letters sent to Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/20, I received my credit report and realized that there is a charge on my Best Buy credit card issued by Citi Bank in the amount of {$870.00}. I immediately called the number on the back of my card and spoke to someone out of the country who couldn't explain anything to me. I advised the agent that there is a fraudulent purchase on my card. The agent stated that he will close my account and send a new card. I kept telling him I don't want a new card, I want these charges disputed and removed. The agent then continued to repeat himself so I had no other choice but to hang up. I am tired of calling oversees to speak with someone about this. I want these charges removed and my card closed. The lack of customer service scares me to ever use this card. I was not provided with a case number, time frame, next steps, or any kind of direction. I cant even log in online to see what was purchased and where so that I may begin to put blocks on all my other accounts. Please help me get this rectified before it ruins my credit 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 2020-11-23
Company: U.S. BANCORP
State: OR
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
XX/XX/2020 Account locked for identity verification Sent in ID Card and XXXX XX/XX/2020 Still locked, asked for social security card. 
faxed social security card XX/XX/2020 Still locked faxed social security card id and XXXX both sides I have verified my identity and I can not get my account unlocked I need my unemployment money to pay rent and am very worried I will be homeless because of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
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: Old information reappears or never goes away

Complaint:
It is impossible for me to fix my credit. I do everything I possibly can and items that are 100 % false and incorrect never come off my report. It will drop XXXX points in a day with no explanation. Ive got barely any debt and it doesnt reflect a correct debt to income ratio nor does it ever seem to get above XXXX when I have paid off student loans, pay CCs on time, have no mortgages or bankruptcies and a bunch of items that are medical bills that didnt bill my insurance when I was fully medically insured ; I dispute them and they deny my claim but dont give me reasons why. Im XXXX and work daily for years to fix my credit and its impossible due to obfuscation, misinformation, wrong information, and inability to properly dispute flagrantly incorrect or fraudulent items. I need to buy a home and move forward with my life and this is making it impossible to do so. Please address Experian, XXXX XXXX XXXX  Accordingly.

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 2017-09-14
Company: EQUIFAX, INC.
State: AR
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:
By not encrypting their data as all credit reporting should know to do to protect my personal data it was and has been improperly secured.

Company response to consumer: Closed with explanation