BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-14
Company: SYNCHRONY FINANCIAL
State: VA
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:
In XXXX XXXX, my ex-husband XXXX XXXX XXXX XXXX used several personal credit cards and made several purchases without my consent. At the time, the accounts were open and the cards were removed from my purse without my permission. When I was notified by XXXX XXXX XXXX, I took immediate action to secure the accounts effected and at the advice of the Fraud XXXX, I pressed charges against my husband in order to have the account accurately updated and the fraudulent account activity removed from my account. 

Due to the fact that we were married and living on a military installation, the local police instructed me to file a report through the military police. I filed the report and forwarded the copy to both XXXX XXXX and Dick 's Sporting Goods. Since then, the accounts have been closed but there are late payments that are still being reported which are adversely affecting 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 2022-01-03
Company: CITIBANK, N.A.
State: WV
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:
I have two accounts with CITI bank for XXXX one for XXXX right after I applied my XXXX benefits both my account were closed for no explanation. 
after calling multiple times talking to multiple people they reopened my accounts saying they were not showing I was under XXXX. My accout s were reopened. Than within 60 days my accounts were reclosed leaving me with bills. amounting {$10.00}. this time stating there was a credit change to my credit report and a missed/returned payment with last 60 days. And no XXXX  could stop them form closing my 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 2017-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
TransUnion continues to violate the FCRA by submitting unverified information to my credit file without my knowledge. I have recently had an unverified item deleted from my Equifax credit file and it was reinserted without my knowledge. The information still has not been validated or verified by Equifax, yet they have allowed a third party collection agency that is operating Illegally to submit this information to my file. The XXXX XXXX company XXXX XXXX XXXX is operating illegally because they are not licensed in the State of Texas as a Collection Agency. Despite all of these things Equifax, still reinserts the information to my file without my knowledge, and knowing that it has already been previously deleted for not being valid.

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 2019-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Can you please unlock my credit file and remove my security freez permanently, I have been trying to unlock my credit to apply for an auto loan, but I haven't been able to. 
Thank you.

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 2023-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
This is in regards to a complaint I filed on XX/XX/XXXX ID # XXXX. 

On XX/XX/XXXX, I discovered I had been a victim of identity theft. A fraudulent loan was taken out in my name and a fraudulent checking XXXX  t was opened at Capital One to deposit said monies. After extensive back and forth with Capital One, including providing copies of the police report, I received notification that the matter was handled and the account was closed. 

Today ( XX/XX/XXXX ) I received a statement in the mail informing me that 'my account ' had a balance of {$4.00}. 

I received written notification from Capital One that this matter had been investigated and that the account was closed. However, considering the statement I received in the mail, that is not the case. 

I do not understand why this account, which was opened fraudulently, and has been reported to all XXXX credit bureaus, the police, to Capital One ( via XXXX phone calls, CFPB, XXXX  and the capital one complaints line ) remains open. 

I want this account closed immediately, in writing and a phone call. And I never want another statement sent to me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
The account in Collections from XXXX XXXX has some inaccuracies through out all three bureaus. The status shows as Open and Past Due, Dates of last activity is not matching ( all 3 are different ), And all 3 reports have different payment history. 

The account with XXXX XXXX is for the same account as XXXX and again, none of the three reports match. Dates are different, the balance and payment history does not match. Lots of inaccuracies.

Can both companies report the same 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 non-monetary relief
Consumer complaint received 2021-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Im writing this letter because I sent letters to XXXX Transunion, XXXX, XXXX XXXX, and XXXX XXXX about this Bankruptcy on XXXX XXXX, 2021. I have yet to receive any correspondence about the letters I sent about the validity of them reporting this alleged Bankruptcy on my Consumer Report. Pacer and The US Bankruptcy Court does dont report or verify this information to any 3rd Party Credit Bureaus or Agencies. I have requested the documentation of the information that they have personally verified themselves for this alleged Bankruptcy and I have yet to receive any documents about the verification of this alleged Bankruptcy. 
It has been over 60 days and its still reporting on my Consumer Report and because you have not responded in a timely manner or provided any documents to support the alleged Bankruptcy. The Bankruptcy must be removed from my Consumer Report Immediately. I received a letter from Transunion on XXXX/XXXX/2021 saying that they verified this Bankruptcy but failed to provide the proof the validity and of any documents and source of the bankruptcy. Pacer and The US Bankruptcy Court does dont report or verify this information to any 3rd Party Credit Bureaus or Agencies.

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 2022-12-15
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
THE LISTED ACCOUNTS WERE OPENED FRAUDULENTLY. THE ACCOUNTS ARE UNDER LITIGATION. THE ACCOUNTS WERE OPENED USING MY IDENTITY INFORMATION BUT WERE NEVER AUTHORIZED OR DID I HAVE KNOWLEDGE OF THE ACCOUNTS BEING OPENED. I AM A VICTIM OF IDENTITY THEFT. THE ITEMS IN WHICH I NEED TO BE REMOVED IMMEDIATELY ARE THE FOLLOWING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I recently started to monitor my credit with extra time on my hands this year with me not being employed and I notice someone has stolen my identity I have several fraud accounts in my name I have tried getting this resolved credit agencies and they are not helping ..

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 2019-11-10
Company: TRANSWORLD SYSTEMS INC
State: ME
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 had an XXXX XXXX card through XXXX XXXX a couple years ago. I thought I paid the balance on the card but it still showed unpaid. I called XXXX XXXX ( XXXX - XXXX XXXX ) on Thurday XX/XX/19, I spoke with XXXX who stated that the unpaid balance was sent to NCI , a collection agency. I called NCI ( XXXX - XXXX - XXXX ). I spoke with XXXX. I told XXXX that I am willing to pay the amount I owe, {$370.00}. XXXX and the agency needs to email me a letter showing that I paid my debt. XXXX told me that there is no guarantee that the agency will email me a letter saying that I don't owe the money. XXXX put me hold so he can speak to his supervisor XXXX. XXXX returned and said, the agency will PROBABLY email me and if I don't receive a letter, I need to call back, but there is no guarantee. 
I am willing to pay the {$370.00} But I need a letter that proves that I paid the money which will increase my credit score. My question is : when One pays for something, should the person receive a RECEIPT automatically?

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 2023-01-13
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I've tried to get the fraudulent progressive and the general in company accounts removed from my report. Please help me and get these accounts blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind last year and got into a payment arrangement where I was in a program. I had to make multiple payments at a reduced amount for 3 months. They advised me that I would not have to pay for two months and then would be back on my normal schedule. The months I was advised that I should have skipped were XXXX and XXXX. I made the XXXX payment instead of skipping. One person I talked to said I should not have made the XXXX payment and the next lady said it went to the XXXX payment for some reason. I want the payment that I made for XXXX to go for the XXXX payment since I was supposed to have been able to skip the XXXX payment but paid it anyway. The guidelines were unclear and I get different answers when I talk to the company. If I can have the payment that I was supposed to skip in XXXX, applied to the XXXX payment, I will be back on track completely and able to make payments on time from here on out. My next payment will be made on Friday, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There is an inquiry on my Equifax credit report that I am stating I did not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a late payment for XXXX of 2020 reporting on my account with Capital One that I would like to have removed. I have contacted Capital one directed on numerous occasions to resolve this matter with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On Sunday XX/XX/XXXX I attempted multiple times to add a merchant to my bill payments on the mobile app as well as the website using my computer Citibank mobile app and website continue to have multiple issues after the system locked me out due to Citibank error I called into customer service and was provoked into a very hostile arguments regarding my account in which the customer service agent acted like he can not understand the card number I gave him or the phone number then I called back and got the same agent who act like he could not understand any English when he answered the phone he didn't know if he wants to ask my name phone number or card number the conversation went on tours 10 minutes when I said you know what let me talk to a supervisor because he wanted to continue playing games and then when he came back to the phone then he wanted to try to whisper that the car was being monitored or recorded so either way they have at this point purposefully I feel locked me out of my account and refuse me access to talk to a supervisor so that I can gain access to my own account privileges due to one rude and competent agent and Citibank having some system-wide error with their Mobile Banking and online banking system unacceptable

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 2019-11-10
Company: Williams & Fudge, Inc
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A letter dated XX/XX/2019 was received from debt collector Williams & Fudge on an account receivable by XXXX  XXXX XXXX University. A payment plan negotiated with XXXX has been faithfully paid to on the account. XXXX never reached out to alert that there was any sort of problem, or that the debt was going out for collections. 

This is not a student loan, but is instead funds owed directly to XXXX for tuition after a scholarship had been retracted for insufficient GPA. No signed agreement was made outlying or accepting terms on a debt. 

Williams & Fudge has tacked on a 33 % fee on the account, the origin and acceptance of that specific fee as a penalty can not be determined. Neither notification of rights under state law nor a statement of their terms was provided, including a clause for time-barred debt and the significance on paying a time-barred debt. A statement of enforcability in a lawsuit was also not provided as is required by law per the NM Attorney General. 

I request that CFBP investigate the situation, the source, amount and legality of the debt collector fee, and compliance with federal and state law including FDCPA, NMCARA, New Mexico Unfair Practices Act, and NMSA 1978 Section 37-1-1 et seq.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX and her husband originated a mortgage for their home in 2003. Over the last fifteen years the mortgage has been bought and sold by various lenders. Based on information and belief the last time it was purchased by Nationstar, doing business as Mr. Cooper. It appears that the loan was not credited with at least one payment when the loan was purchased. Mr. Cooper has had a history of reporting delinquent payments to the credit reporting agencies, when no payments were late, or in the alternative claiming payments where 60, 90, or 120 days late when they were 30 days late. Defendant has repeatedly threatened foreclosure, refused to accept and apply payments, demanded payments that were not due, misrepresented the balance due, threatened foreclosure when Plaintiff refused to enter into a 40 year loan

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10
Company: Experian Information Solutions Inc.
State: DE
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:
I would like my address and my social number on file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: Sarma
State: CA
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:
This company named Sarma made 2 unauthorized inquiries on my credit report without my permission and demand that these be removed immediately!! I never gave nobody theyre associated with nor them to pull 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 2019-06-12
Company: Southwest Credit Systems, L.P.
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:
I spoke with South west Credit systems on the phone. XXXX XXXX the representative asked if I lived on XXXX XXXX in the past or now and I said I have never lived on XXXX XXXX. Then she asked for my date of birth, ( which I was hesitant to give to her as this is what is wrong with this entire system ) Then she called me XXXX which is not even my name and then she indicated that they would look in to the issue and she would not tell me if it would be resolved or when It would be resolved. 

They do not have the correct name They do not have the correct date of birth They do not have the correct address and yet they still applied bad debt to my credit report. How does this happen???? 

Then they tell me that they will not tell me anything about the debt, or give me any other information?????

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
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:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2019-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Would like my fraud alerts removed

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 2019-11-10
Company: Resurgent Capital Services L.P.
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: Information belongs to someone else

Complaint:
To Whom It May Concern : Can you looked into this matter, I wrote this company a letter LVNV a FUNDING LLC. XXXX XXXX XXXX  XXXX. File No. # XXXX. This company are not on my credit reports, I dont know were this amount {$1900.00} is coming from. Please look into this matter. Thank you for your time and consideration.

Company response to consumer: Closed with explanation