BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-14
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:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!

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 2021-05-01
Company: CURO Intermediate Holdings
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a hard inquiry on avio credit which was paid and settled by XXXX XXXX XXXX. They are still trying to collect

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I was alerted to a fraudulent charge on my credit card issued by USAA bank I called them onXX/XX/2018 to alert them that my credit card was being used without my authorization. I have filed a dispute and had this dispute reopened after they failed to send me information through the mail which is my preferred communication method. I submitted the documentation stating that XXXX  XXXX XXXX and suites used my credit card without my authorization according to their policies. XXXX XXXX XXXX refused to reimburse my credit card and I was told that a police report was going to be filed by the manager at XXXX XXXX. This did not happen and where I unaware That a person was using my credit card to stay at the hotel. I have since reached out to USAA or than a dozen times was told someone would call me and no one has. My credit card has not beenreimbursed and the charges reversed and have been told that my dispute is not warranted. I have since submitted to refusal to pay letters which no one seems to see or acknowledge. All of the documentation I have submitted to USAA has been deleted. I want the charges for the hotel stay on XX/XX/06of 2018 he deleted from my account because I will not pay them and I want to know why my privacy and credit has been compromised due to a lack of customer service and integrity Of both USAA and XXXX XXXX XXXX and 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 2018-12-06
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX, I mailed a dispute letter to Equifax to dispute 5 different inaccuracies on my credit report. I did not hear anything. I then called on XX/XX/18 to see if they had received the letter. I was told that my profile could not be accessed and to call later on because maybe its not accessible due to updating. I called again on XX/XX/18 because I had not heard anything about the issue and was told to just fax the letter again. It is XX/XX/18 and I have not received results from my original dispute, can not pull my Equifax report from XXXX, and Equifax is saying they can not access my information due to updating nor can they send me an updated report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: Riverwalk Financial Corporation
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I had already disputed this collection about a month ago because XXXX XXXX  is using a threatening tactic when it comes to collecting. i was contacted several times by different people saying they were lawyers working with XXXX XXXX  and were ready to take me to court.They said to just pay them off and not waste my time hiring a lawyers because i was going to spend more money hiring a lawyer and court fees, i was better off just paying them the money and if not they would start to garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: Colony Brands, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Swiss collebey is way to much for me to afford on my own or the credit cards I didn't know who affenct my crideit score

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: Harvard Collections, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Harvard Collections Department of Human Services This was a debt for over payment of foodstamps which was paid of by subtracting foodstamps benefits from me. I have wrote in disputed this amount with the company I requested for paperwork along with a itemized over payment schedule. If I owe this amount I'm the sole owner. After reviewing reports from the specific location Where I sign up for the Foodstamp program a host of employees were caught for collecting foodstamps at there clients expense. This is why I ask for proof on paper of this so call over payment. All of a sudden this claim has been deleted. I requested for this to be taken off my credit report since Department of Human Services did not respond to my many request. This case was not fraudulent this matter was uncertain.. I love the fact when collection are being drop of my report but I like explanations. Was I right did Department of Human Services make a mistake. If not I will like confirmation in detail of this overpayment so I can rectify this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Personal Information : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, SC XXXX XXXX XXXX ++ This is the CORRECT name, address, SS #, phone #. 
++ Anything other than above is incorrect and should be deleted and updated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
THE WORK NUMBER WILL NOT PUT A SECURITY FREEZE ON MY FILE, OR REMOVE EMPLOYERS OR EMPLOYEE ADDRESSES AND EMPLOYEE NAME. 
THE WORK NUMBER MUST HAVE A MIX FILE.I HAVE TRIED CALLING THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
i filed a complaint with you all and recieved everthing i didnt ask for with PRA they sent me 2 old stements ive never seen with 2 totally different amts owed this isnt the orignal contract to prove i owe thid debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calling me repeadetldy : called my Husband, left a message, called my daughter, left a message, called my son, left a message. I want this to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Im a victim of identity theft. Someone opened a Bank of America checking account online using my name, date of birth, email address and SSN last night. I received three email alerts from the bank about my application for a new checking account getting approved without my authorization which proves that is an identity theft fraud. I have informed the Bank of America fraud department and they were able to close this new checking account but that is all that have been done. Im not sure if this person will continue to abuse my information therefore im raising an alarm to you about my identity being stolen. Please take appropriate action. Thanks.

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 2020-10-29
Company: EQUIFAX, INC.
State: TX
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:
Equifax has restricted access to my credit report online. I have made numerous attempts in the last several weeks to get them to fix this with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I filed disputes with all 3 bureaus and still have not received anything from them. 
I understand it time to received things by mail but more then 30 days is not acceptable. 
They say they will send results within 30 days then that what they should do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: U.S. BANCORP
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have an FHA loan with mortgage insurance. I was told when I contacted US Bank that this premium would automatically be cancelled when my loan had an 80 % debt-to-value ratio. I paid extra principal each month to reach the 80 % faster than scheduled. 

The premium was not automatically removed and, when contacted, the company is now stating that it is a 78 % debt-to-value ratio that must be reached. 

The more concerning problem is that I must submit paperwork to have the premium removed once I hit the debt-to-value ratio. This is not insurance that I purchased on my own ; I was not able to shop around for the best price. Nor am I the benefactor from this insurance policy. 

This extra hurdle to remove the insurance premium from a consumer 's monthly payment is an abuse of power in the customer relationship at best, and fraudulent at worst. US Bank should not be allowed to continue this practice, and if this is industry standard practice, the industry should not be allowed to continue either. Consumer 's need protection from practices like 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 2017-12-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX, I was granted a divorce from my ex. In the decree, it stated that she had 90 days to refinance the home in her name. It has been four years since then and now I have learned that there has n't been a payment made since XXXX of XXXX. This has greatly decreased my credit score in such a manner that I can not qualify for loans for autos or a home. The current mortgage lender handling the loan is XXXX XXXX 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 2023-11-06
Company: CITIBANK, N.A.
State: VT
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received an email dated XX/XX/23 at XXXX XXXX to XXXX from XXXX XXXX XXXX XXXX stating that my current balance was {$100.00}. I called Best Buy XXXX to inquire what this charge was for. Answer was that if I didn't renew membership then this is a bogus email. I haven't renewed membership -- their agent says I'm not a member. the only charges are {$49.00} and {$170.00} and this is neither. I also received an email dated XX/XX/23 at XXXX XXXX from XXXX saying I have {$3800.00} available credit as of XX/XX/23. This is making me uncomfortable as I haven't used this credit card for months.

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 2018-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan 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. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX XXXX with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30-59 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 2018-12-06
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: Information belongs to someone else

Complaint:
I have spent thousands of dollars trying to delete this account from my credit report. I paid the balance and it wasnt mine. Ive sent out 10 dispute packets to each bureau. My identity was stolen and my signature was forged.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: EQUIFAX, 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:
This information is incorrectly reporting on my credit reports. These items were previously deleted as I am no longer responsible for them and they reappeared on my credit reports, which is negatively affecting me UNDER A DIFFERENT COLLECTION AGENCY. THESE ARE MEDICAL BILLS AND THEY ARE IN VIOLATION OF HIPPA. THESE ACCOUNTS PREVIOUSLY WERE REPORTED UNDER GREATER XXXX EMERGENCY. 

XXXX COLLECTIONS {$270.00} XXXX COLLECTIONS {$350.00} XXXX COLLECTIONS {$420.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
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: Account information incorrect

Complaint:
The Credit bureaus stated my accounts was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and last reported date is not accurate, the closed date is not accurate and last payment date is inaccurate, Days late are also inaccurate. This is grounds for removal they also violated my rights under 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. 

Also the Credit bureaus took more than 30 days to complete my investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept 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 2017-09-15
Company: Sequoia Financial Services
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We 've made numerous attempts to have this company validate the debt. They have failed to provide any valid signature which is required by law. We are now filing a lawsuit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This claim has already addressed by CFPB. I want a re-investigation This is about One Main Financial : Company falsely charged me and sent my name to collections for a debt I do n't owe. 

One Main has never responded to any of my letters. This is the first letter that I received from CFPB. I need company to re-investigate this claim. I am asking One Main Financial to provide me with evidence bearing my signature or any copies of documentation they have. They have replied through CFPB with a long letter with no evidence bearing my signature. I am making a final goodwill attempt to have this company clear up this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Capital One XXXX shows my account negative on the report until 2022 and there has not been no late payment in 24 months. there should be no late negative for that long before the account goes positive considering its been paid on time for the past 24 months Will with the FTC on ongoing incorrect information and why its 4 years to go Positive

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: CITIBANK, N.A.
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX, I applied for a Home Depot consumer. I was denied. I contacted Home Depot credit services. I asked why I was denied. The lady told me too many inquiries. Ok? 
Me : Who decides whether or not I receive credit? 
Citibank Representative : The computer system. 
Me : Well, obviously, a human made the computer system/ software. So, there was human involved in making that credit decision ... 
Me : ... asking more questions. 
Citibank Representative : Sir I don't make the decisions, the computer does. 
Me : ( More questions ... ) Citbank Representative : ( Maintaining the same posture ) ... the computer makes the decisions.

Me : ( Frustrated ) Another attempt at obtaining a Citibank credit card from Costco on XXXX??, XXXX : DENIED! 
Why : Account restricted ; Late payments ( over four years ago. No late payments since XXXX ) ; Delinquent account ( even though accounts have been paid off ) ; & et.c

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 2021-05-01
Company: Nelnet, Inc.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
This account is being reported as 90 & 120 days late on my credit report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). I would like for you to investigate the late payment history and prove to me that in fact was delinquent on the date reported. It is the responsibility of the furnisher to report accurate information per Section 623 of the FCRA and it is the responsibility fo the Credit Bureau to hold them to those standards

Company response to consumer: Closed with explanation