BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/XXXX my debit card number was stolen and over {$2000.00} was used on my account. I reported it to my bank and they blocked the card and I was issued a new card. On XX/XX/XXXX my new debit card number was stolen again and another {$2000.00} was stolen from 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 monetary relief
Consumer complaint received 2019-02-15
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On or around XX/XX/XXXX, Citi Card ( XXXX  ) lowered my available credit from {$2100.00} to {$1700.00}. My balance was at the limit when they did this. As a result, I am now {$500.00} over the limit and my mmp is {$620.00} this month. To put this in perspective, below are the last 5 MMPs ( prior to the reduction in limit ) {$82.00}, paid {$140.00} {$76.00}, paid {$160.00} {$65.00}, paid {$80.00} {$78.00}, paid {$160.00} {$86.00}, paid {$120.00} I am experiencing financial difficulty with other creditors, and I do not have the money to make a MMP that is 800 % higher this month than prior months, all because Citi lowered my limit. When I called to ask for help, I was told that I had to go delinquent first, and then they would consider offering payment options. How is it acceptable for a Credit Card company to view a consumer as a credit risk, and then take action that actually puts the consumer in a position to where they can't pay and forces them delinquent?

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 2019-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Ive been a victim of identity theft. I have been for the the past two months constantly disputing errors on my credit reports. Now I have a service with TransUnion called true identity. Today Ive just realized I had our purchased this service. So I have been in contact with TransUnion multiple times. They are very unhelpful. They have my account to dispute locked up so I can not submit my initial fraud affidavit online. I spent hours calling and they are completely rude and not wanting you help. Its obvious of that much. I paid for an identity theft resorting service through them. I called today specifically about this to get told a different phone number I need to call each time total of 3-4 times. I have spoken to this company numerous times and am very dissatisfied with the type of treatment / service Ive received. Im the victim here they dont seem to care they just want to get me off the phone ASAP. Should I sue? Im unsure what to do about this. Also XXXX was pretty much the same way while XXXX fraud department was excellent to deal with. I think TransUnion and XXXX should learn to treat the victims as such. I will add my information was compromised to my knowledge in both companys past breaches. I believe that all non account holding inquiries are fraud. As well accounts labeled XXXX XXXX XXXX, XXXX, XXXX, XXXX,. Ive tried contacting the creditors as well asking for debt verification and received one response form a company called total card which I will attach this letter. Delete all inaccurate fraudulent unverifiable information immediately while Under investigations and after as well. Because I have no knowledge of the disputed items.

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 2022-10-27
Company: EQUIFAX, INC.
State: FL
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:
See letters sent, clear violations of the FCRA, personal information is not up to date and there are inquiries that are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: Oracle Financial Group LLC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I have received calls from Oracle Group LLC employee XXXX XXXX on both my work phone # and my work cell phone. I have asked him repeatedly to NOT call me at work on either telephone number. But yesterday and today I have received calls on both lines. In addition he left a voice mail at my work at XXXX PST stating he would like free medical advice and then said But XXXX you like getting things for free. I will be contacting your employer. This is inappropriate and unacceptable.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 was discharged from chapter XXXX bankruptcy on XX/XX/2018 and Transunion still has an account XXXX XXXX as showing charged off bad debt/ purchased by another lender. Account needs to be updated and corrected to reflect included and discharged in bankruptcy.

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 2019-10-31
Company: Experian Information Solutions Inc.
State: FL
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: Problem with personal statement of dispute

Complaint:
This was a medical bill by my daughter 's XXXX  of {$68.00} dollars that was sold to XXXX XXXX XXXX. Neither party would settle the collection with me directly and they made no previous attempts to contact me by phone or any way I recall to settle before it hit my credit in time. I didn't recall the debt. When I attempted to settle the debt with the credit agency they stated that it would remain on my credit for years to come as a debt owed that was adverse and paid off.

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 2019-08-27
Company: Eastpoint Recovery Group, Inc
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calling to collect a debt from a completely unrelated person. Called both my father and I numerous times. No responsibility for this debt calls should have never been made to my place of business or my father. Unprofessional and harrising. Unbelievable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
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:
Transunion credit agency has removed accounts on my credit report related to fraud and I have sent them proof on several occasions to correct and they still refuse to help me. It has been 8 months and they still will not this information from 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 2019-10-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I asked to have investigated two bankruptcies on my current credit report. There is a chapter XXXX XXXX XX/XX/XXXX and a chapter XXXX dated XX/XX/XXXX on my current reports that are inaccurate. The credit bureaus have reviewed the reports as been accurate. I am requesting from all the credit bureaus verification of the accuracy on my credit report. I would like to know exactly how the account was verified and the contact person who verified the account. I tried calling the Bankruptcy court USBK COURT XXXX WISCOXXXX XXXX XXXX XXXX XXXX XXXX, XXXX to ask if they verified this account to the credit bureaus and I was told by the clerk that they do not verify information to any credit bureaus. Please provide me with as many details as possible as to who verified these accounts because I never filed a bankruptcy. I would like original documents showing my signature as well.

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 2019-10-31
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
After reviewing my credit report recently I dated I noticed that an account named XXXX XXXX has repaired on my report. I sent in a complaint on XX/XX/18 in regards to this company and the result was they agreed to remove. My original complaint stills stands I have submitted a request to have an account investigated and removed from my account from XXXX  XXXX. I have never done business with this company or taken out a student loan with this company. When I contacted the company and requested original loan documentation I never heard back from them. I then requested the account to be investigated and removed by the credit bureau and they responded with account verified. This account has never showed on my credit report as a active account by any creditor and now all of a sudden I have a collection account for now {$37000.00} from a company I never heard of. I would like this account removed from my credit immediately before legal action is taken. I pulled all of my financial college records and have verified that is not a loan that I have ever taken out. This is account is Fraud.

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 2019-02-15
Company: EVERBANK, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We took out a loan for a condo in XX/XX/XXXX. In XX/XX/XXXX, our mortgage was sold and we had to send documents ( insurance policies and such ) to the new mortgage company. In XX/XX/XXXX our mortgage was sold again to TIAA. They also requested that we provide documents again relating to the mortgage. We have never had an escrow with this mortgage. We just received our first coupon book which includes an escrow amount from one taxing authority ( county ). It also includes an amount for a shortage in this account ( most likely to provide for a surplus since the account balance is XXXX ). My wife spent 45 minutes on the phone with them being switched to multiple people. I finally got on the phone and told them to correct the statement and send us a written document of what transpired. 

We did not ask for or consent for our mortgage to be resold. I selected our original mortgage company based on review of many options, and I am not happy with having to submit documents each time the mortgage is sold. These companies should make sure that any transition does not affect the consumer, and they should be penalized for errors. I have contacted Congressman XXXX XXXX 's office about the larger issue here - mortgages sold and packaged as derivatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion has not been reporting information sent to them from my credit agencies, XXXX XXXX which on my report is XXXX XXXX XXXX XXXX also known as XXXX XXXX is being reported to.the other two bureaus XXXX and XXXX as of XX/XX/2018, Everytime there is information sent to the bureaus transunion time and time again does not and is not reporting information being sent to them

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 2019-11-12
Company: AMCOL Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I got sick on XX/XX/2015 and went to the hospital for 30 days. I took the ambulance to the hospital so I think thats what the debt is for. Ive tried to contact them numerous times to set up a payment plan of some sort, but they always would say to me that it isnt enough money per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: EQUIFAX, INC.
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:
XXXX credit bureau have about 4 hard inquiries and about 15 soft besides anything from first XXXX XXXX witch is my doing but all others listed that was not through me allowing any of the companies that applyed hard and soft inquiries to my credit reports I'm not familiar and responsible for any of them listed I have lost my wallet while back along with my ssc inside it seems to me they was done by someone claiming to be me are used my info I tried disputing all them and get nowhere with it I would like them all deleted asap please making my score look very bad please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to delete the following information in my file. The items i need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the federal trade commissions identity theft affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-31
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: Information belongs to someone else

Complaint:
After reviewing my credit report recently I dated I noticed that an account named XXXX XXXX has repaired on my report. I sent in a complaint on XX/XX/18 in regards to this company and the result was they agreed to remove. My original complaint stills stands I have submitted a request to have an account investigated and removed from my account from XXXX XXXX. I have never done business with this company or taken out a student loan with this company. When I contacted the company and requested original loan documentation I never heard back from them. I then requested the account to be investigated and removed by the credit bureau and they responded with account verified. This account has never showed on my credit report as a active account by any creditor and now all of a sudden I have a collection account for now {$37000.00} from a company I never heard of. I would like this account removed from my credit immediately before legal action is taken. I pulled all of my financial college records and have verified that is not a loan that I have ever taken out. This is account is Fraud.

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 2023-08-28
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
trying to remove hard inquiries that were not mine, i did not authorize and credit pulls in the past 12 months

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Experian Information Solutions Inc.
State: NC
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 AM A VICTIM OF IDENTITY THEFT. I AM WRITING TO REQUEST THAT YOU DELETE THE FOLLOWING FRAUDULENT INACCURATE INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT. 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 non-monetary relief
Consumer complaint received 2019-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied online for a Capital One credit card on XX/XX/XXXX orXX/XX/XXXX and I was immediately approved. On XX/XX/XXXX, I was notified that my card had shipped. On XX/XX/XXXX, I received an email from Capital One stating that before I could activate the card, they needed to do one final check to make sure this wasnt someone else applying for a card in your name. The email included a link to take pictures of the front and back of my ID to confirm my identity. I tried the process 5 or 6 times, but I got a message saying that the process timed out. I called customer service and after over an hour on the phone, got frustrated and used another link in the email to find a physical address to mail my documents through XXXX. 

My card arrived today along with a separate letter from the Customer Fraud Protection department requesting that I call them. I called the number in the letter and was told that a fraud hold was placed on my account, but they will not give me any further information about what triggered this hold. I am sincerely concerned that something like identity theft is happening and feel that I have the right to know what has happened. They refuse to give me any information. If a consumer is denied credit, the company is legally required to notify the consumer as to the reasons. As far as I am concerned, this may be even more serious, yet they are not required to give me any reason so that I can take measures to resolve it? 

It is suspicious that a company would approve me for credit and then almost immediately place a fraud alert on the account. 

I closed the account today and will never again do business with Capital One, but again, I am left in the dark if there is a problem with my identity. I am concerned that whatever caused this problem may happen to my other accounts with other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, 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:
Hello my name is XXXX XXXX XXXX, I am writing in regards to the information incorrectly listed on my file. I am requesting that these inaccurate items be deleted. The items I am requesting attention on are listed in the report. I am a victim of identity theft and did not make these changes. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
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 received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. I contacted the FTC and the police and Im doing this on my own behalf.

Company response to consumer: Closed with non-monetary relief