BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XX/XX/2020 I had a 30 day late payment reported for the amount of {$15.00}. Prior to this payment being 30 days late I spoke with two representatives who I believe failed to provide me with all information or options based on the companies process with my account status. I made an attempt to make a payment for {$100.00} but my banking information that was saved on file was removed without a request by me. No agent was had been able to identify why my banking information was removed because I never had any returned payments. Since my banking information was no longer on file I asked to make a payment with my debit card. The agent advised me at the time she couldn't take a debit card payment and I would have to re provide my banking information. I bank with a small local credit union and at that time the credit union was temporarily closed due to COVID. For me to obtain my bank information I had to wait on the bank to respond to me through a secured messaging portal with that information. On a separate occasion I was contacted by a collections agent and explained the previous issues to her and requested to make a debit card payment with her at the time. That agent also told me she was unable to accept my payment at the time. I've attempted to resolve this issue for this past 6 months with customer service and their managers every time I call but have not been able to get any information in regards to having someone investigate if I was misinformed contributing to the 30 day late being reported. I received one call back that I missed at the time but soon after the missed call I returned the call to the manager but only reached a voicemail. I left at least 3 voicemails and never received a call back. Since I never got a response to my voicemails I started to ask for a manager every time I call to make a payment now but still haven't received one over the past 6 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent 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 2019-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 following accounts are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet you could not substantiate its representation.. You have provided information while knowing or having reasonable cause to believe that the information provided was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this complaint XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX  XXXX XXXX ), XXXX XXXX XXXX   ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ),

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Credit Bureau Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a member of XXXX and XXXX XXXX XXXX XXXX XXXX was advised of this and not to bill me. I provided them both my XXXX and XXXX information on 3 occasions. They have now sent me to a collection agency, CBCS, XXXX XXXX XXXX  XXXX, XXXX, OH XXXX, XXXX, Account # XXXX for {$1100.00}. I spoke to XXXX on XX/XX/2020 at CBCS and advised her I was XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-15
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
Can not login to my account to make payments for two months. I asked them to merely waive payment my payment responsibilities until they get this fixed. They refused and forced me to make a phone payment otherwise I would get a late fee they said. No need to pay late fees for a problem that is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-30
Company: Shellpoint Partners, LLC
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
When applying for a refinance mortgage, I found that I had an adverse account listed as Shellpoint Mortgage. I knew that I had never been late with my mortgage payments and never heard of nor was contacted by Shellpoint. I called on XX/XX/XXXX and was advised that the account was referred to them, but had a XXXX  balance listed when it was received and that it never had an amount due. I was advised that the account was attached to the home I sold in XXXX of XXXX. Ditech, the mortgage company, was paid in full at closing. I was told that Shellpoint would remove the account from credit reporting and that it could take up to 30 days. I also received an email of a printout from their system indicating what I was told. I called to follow up on XX/XX/XXXX and was told that the first person opened the wrong ticket and that I would have to write in to make this request. After some pushing back on my part, I was told that a Team Leader, XXXX XXXX, would put the request in today. I will be writing the letter they say I need to send them asking them to fix their mistake as well, but was told that I should send it certified because they are behind on mail and I can't assume they received it! 
It is beyond me how a XXXX  balance can reported to a collection agency in the first place. However, it happened. The response received from them is just not acceptable. Any assistance you can provide in expediting this would be greatly appreciated. I will also be writing the XXXX  in hopes that others will not go through this with Shellpoint in the future.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter through the mail on XX/XX/XXXX and the company has not replied to my request of verifying the debt. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature, the company has 30 days to validate/verify the debt, if they are unable to verify they must remove the inaccuracies from my credit report, if not I will submit a complaint to the XXXX, FTC and I will contact my state Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Account holder is my mother, age XXXX with XXXX  disorder. She wants to add my name to the account. Multiple delays. one delay was due to me changing an appointment. Another delay from poa problems. Calls were not returned and emails were not answered. Wells Fargo expects my mother to come into the branch for about 45 minutes to sign documents and will not accept a notarized signature. My neighbor is a notary and could easily notarize for her but WF staff says they can not accept that. 
Accommodations for Covid are not being made with this situation.

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 2020-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT 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 2023-05-06
Company: Experian Information Solutions Inc.
State: IN
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:
I am not liable for this debt with XXXX and do not have a contract with XXXX XXXX XXXX. They did not provide me with the orginial application like I asked.

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 2020-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX ; XXXX and Transunion are failing to show the following accounts are in fact In Dispute. XXXX partial account number XXXX ; XXXX XXXX partial account number XXXX ; and XXXX partial account number XXXX. ( I have attached screenshots from my credit report for reference. ) I have also sent multiple requests to the bureaus to investigate these accounts and the bureaus continue to report these accounts as account not disputed. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are in dispute.

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 2021-10-22
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
left apt early for health reasons XXXX trouble lost deposit been contacted by transworld systems who have said on 6 to 8 phone calls and in theirletter that they are collecting for the apts and that they do not own the debt -- turned out this is false and they are holding me XXXX to pay XXXX i have tried to settle and offered XXXX they said they would contact the creditor the apt and see if they would accept the offer they own the debt which they have denied cant get into apts because of this its ransom and they own the debt but they always insist they are collecting for the apt.and do not own the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: Experian Information Solutions 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:
After i noticed this Random account being repoted to my Consumer Report I Contacted Experian via Phone XX/XX/2021 to notify them of the Adverse item. The Representative was unable to assist me even after i notified them of the specefic account that was being reported inaccurately. they were completey ignorant to the law. on XX/XX/XXXX i wrote the company notifying them of the Law Codes they were in violation of & i have not heard anything back from 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 2020-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I have funds on my Nevada unemployment card. However I do not have a prepaid debit card to access my account I have called the online number I also have called the unemployment I have not been able to reach anybody I also have written emails I need a card sent to my new address please

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 2020-07-15
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:
I received denial for student loan because of information Tranunion reported. The student loan servicer stated that Transunion reported that I have student loan delinquency of over 90 days. There are no student loans delinquent at all. Why did Transunion report that is was?

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 2020-07-14
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Applied for a mortgage and found out I have a unauthorized extended fraud alert on my Experian credit file I received no notification of this. I also did not authorize this and I am unable to get thru to a live representative automated system wants me to send several documents thru mail

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 2020-07-14
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I initiated a cash out refinance loan with my existing mortgage company on XX/XX/2020. I have had 38 contacts with them, have submitted 30 items for there review, signed papers, payed for an appraisal, paid my credit card bill which they told me not to pay. They have adjusted the fees ( up ) and amount of cash to be received ( down ) twice, and I am still waiting for an answer as of XX/XX/2020. Throughout the process the basic mode of operation has been for them to request something of me, I respond within a day or 2, then I don't hear anything for a week or 2, and when I do, it is another request for additional documents. I feel that I have been strung along unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
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:
My bank the a predatory practice of ending online account access for consumers if their checking account goes negative, without electronically notifying them with the details. People who have chosen to receive paperless billing are unable to view the 21 day bill notifications required by the Truth in Lending act. This caused me lose access to my accounts During the covid 19 pandemic when the bank was making changes to the bill due date of my line of credit without my approval. This also resulted in me not being able to pay my bill after being notified by phone. 

My bill was due XX/XX/XXXX. I received the first notification of the overdue by phone XX/XX/XXXX. I tried to pay the bill through online access on XX/XX/XXXX ( A Saturday ) but the account was locked out and bank closed until Monday. I paid the bill Monday ( next business day ) at XXXX XXXX through the drive through.

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 2020-07-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am filing this report because today XX/XX/20 I was made aware of an account that is not mine appearing on my credit report. The only reason this account was brought to my attention is because I had my credit ran at a Jewelry store and they told me I had an account in negative standing and after looking at the account myself I quickly realized I never opened this account. The name of the account is XXXX XXXX XXXX XXXX for an amount of {$14000.00}. I did not benefit anything from that account such as money, goods, services nor did I take part in any payments that might or might not have been made towards this accounts. I also do not have any written or verbal contract with that company and I never allowed them to access my credit. I took it upon myself to file a police report in hopes of having this accounts cleared from my name and credit history since I never authorized it to be opened on my behalf.

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 2023-05-30
Company: Experian Information Solutions Inc.
State: DC
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:
In accordance with the fair Credit reporting act XXXX Account # XXXX XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy. 15 U.S.C 1681 Section 604 A Section2 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 2018-11-02
Company: Turning Point Solutions LLC
State: TX
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:
I've been called twice by a company called XXXX XXXX XXXX. They have called me from the number ( XXXX ) XXXX, which is a Texas based number but the organization is in Ohio. 

In both calls, the organization has not identified itself as a debt collector and has threatened " further action '' against me. They've provided no information, written or verbal, regarding whatever claim they are making. 

The caller today ( XX/XX/18 ) was Mrs. XXXX. I did not get the name of the guy yesterday.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: Experian Information Solutions Inc.
State: NY
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 RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2023-04-19
Company: Experian Information Solutions Inc.
State: VA
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:
Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. The following items are listed below : XXXX Date of inquiry : XX/XX/20XXXX 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 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 explanation