BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have sent disputes to the bureaus and have received no correspondence. I have serious inaccurate items on my file that need to be removed. I have sent letters and received no letters, no calls, and no results. Please fix the 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 2021-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
I, the consumer, have notified as communicated to the company XXXX, with letter in mail XX/XX/2021 to cease and desist the 609 letters to CAPITAL ONE ( account # ending in XXXX ), for unauthorized use of reporting to my consumer report without my written consent to do so, which I also believe it is IDENTITY THEFT on Capital One for sending in the documentation to the XXXX reporting company. I am sending this complaint because the XXXX reporting company continues to update 2or3 times each month, which brings my score lower than the normal 1 reporting time each month. The have already violated my rights as a consumer under 15 usc 1692 ( p ) law. I have a privacy right 15 usc 1681 and at this time I am exercising my right by filing this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16
Company: Turning Point Solutions LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I'm receiving calls before XXXX MST from Advanced Capital Solutions , the call has been received at XXXX MST, also a voicemail has been left, Advanced Capital Solutions has my phone as XXXX and Address as XXXX, CO XXXX , Reference Number : XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have been a victim of identity theft

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 2019-10-01
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
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:
I attempted twice to get a copy of my report from XXXX. First time my request was ignored. Second time they sent me a letter stating that they needed me to put my request in writing along with my PIN number for my security freeze because I requested to change information contained in my report, which I did not. I then followed up with a phone call and they were " unable to access my report '' to assist me with my concern.

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 2018-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have disputed XXXX via XXXX & Transunion, I have requested that XXXX   VALIDATE not just verify this account. 

I have no knowledge of this account. Please send a valid contract between XXXX and XXXX XXXX that was signed stating that I would pay them and giving them the right to report on my credit if I did not pay 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 2018-03-25
Company: AES/PHEAA
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The student loan company XXXX XXXX XXXX has giving me incorrect information about student forgiveness program. In XX/XX/XXXX I was told I would have a grace period and not make payments till XX/XX/XXXX. I missed payments XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX because given the wrong information. I have never missed a payment before that or was I late. I tried to dispute it but they denied it which is unfair. It hurt my credit very much and I would like a second opinion. This was not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: CNG FINANCIAL CORPORATION
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I had a payment due in the beginning of XX/XX/XXXX to XXXX XXXX XXXX   and reached out to employee XXXX at the XXXX XXXX location to explain I was going through a financial hardship due to a death in the family and sick elderly parent and said I needed to make other payment arrangements and would pay at a later date. I also revoked ACH/Debit authorization from my bank account. She told me she notated my account and then they still debited my account on XX/XX/XXXX and caused me an overdraft fee. I then spoke to district manager, Mr. XXXX and he said he would refund the fee from my next payment. I have not been able to pay yet and they again debited my account on XX/XX/XXXX without my authorization. I need this money refunded as they are continuing to debit my account without authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: I.C. System, Inc.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I discovered a negative statement on my XXXX credit report from the following company : IC System Inc. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MN XXXX The statement references a supposed debt of {$350.00}, owed to a company called XXXX XXXX. I have advised both XXXX   and IC System Inc. on multiple occasions that I dispute the referenced account in its entirety. I have never heard of XXXX XXXX, and I have never used their services. 

On XXXX XX/XX/2018, I submitted correspondence to IC System demanding that they provide me with documentation supporting their claim. To date, they have failed to comply with that demand. XXXX 's response to previous disputes has been that, based on their investigation, the information provided by IC System would remain on my report. I can only conclude that their investigation consisted solely of asking IC System if the claim was valid, and accepting their positive response ( with no supporting evidence to prove its validity ) as truth. 

Because of IC System Inc. 's inability to support this claim, or their failure to do so in a timely manner, it is their responsibility to remove their derogatory comment from my XXXX credit report. Im not interested in the posting of a statement that the claim is in dispute. I want the claim completely deleted from my record.

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 2019-05-07
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:
XXXX XXXX is reporting a debt on my credit file that I not owe. I have never heard of this debt and received not one notification, letters, or any phone calls regarding this debt. I found out about this debt when I checked my credit file, and immediately paid it. XXXX XXXX is in clear violation of my 30 day right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Well i want to know why i cant open an account with XXXX  and bank of america anymore? How can i resolve the issue

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 2017-11-20
Company: SYNCHRONY FINANCIAL
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX approx. XXXX XXXX c.s.t I received a call from a woman named " XXXX '' at ext XXXX who said she was with XXXX XXXX and collecting a debt from XXXX about a XXXX computer from back in 2007. I immediately told her this was fraud and explained I was requesting a full validation of debt as per my rights with the FDCPA. On XX/XX/XXXX I received a packet from XXXX XXXX that was what they call a " Fraud/ID Theft Handling Packet '' and in this packet they are requesting I write to them critical personal information including my date of birth, social security #, my home and work phone numbers, current and past addresses and tell them about the fraud. 
Also on the letter it states that the creditor is XXXX XXXX XXXX XXXX and I have no idea who that company is either. I do not feel comfortable giving this information to a 3rd party collections agency that obviously ca n't validate the debt they are claiming to represent that is already over 10 years old, has NEVER been on my credit report, and I have never owned a XXXX computer nor bought ANYTHING on XXXX! I feel this is a complete scam, the XXXX XXXX XXXX has an A rating with the BBB with over 90 complaints so we know that they obviously buy their rating.

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 2019-10-01
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: Information belongs to someone else

Complaint:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. 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
Consumer complaint received 2017-11-20
Company: INTERCONTINENTAL CAPITAL GROUP
State: AZ
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 replied to a letter about lowering my mortgage and the guy asked to run my credit and I told him no. He told me it would be a soft check and I agreed. It was not a soft check and showed up on my report in XXXX 2017. I called numerous times until I was assured that it was being removed. It has still not been removed and I received assurances a second time after filing a complaint with the BBB. It is still not fixed and the person contacting me from the company will not respond to any of my corresponances.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: The CBE Group, Inc.
State: FL
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CBE GROUP XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious CBE GROUP XXXX. 
I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX  District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: PREFERRED CREDIT INC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had contacted Preferred Credit multiple times to resolve the issue of my debt and paid off the amount that they said I owed. The last statement that was given to me was invalid along with repeat phone calls from company stating that I owe them more then what I have already paid to them in full. 

The company continuously kept calling me 4-7 times a day unlimited with no detailed message or a appropriate phone voicemail. I repeatly had asked them to provide me with the correct amount that needed to be paid but all they keep on doing is trying to argue with me and make matters worse. I asked them to cancel the card on file that should of been cancelled 3 years ago but nothing. Everyday I been getting phone calls from different people stating that I owe more then what I was told. When trying to settle the problem the company customer service or representative starts to make assumptions and argue with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been with Ditech as a mortgage service company for many years. Every month i pay my bills on time through my bank 's bill pay service. Beginning in XXXX Ditech stopped applying the payments to my account and began a constant harassment via mail and phone towards me for non payment on the account. I have gotten my banks bill pay department to supply all proof that the money was paid to Ditech for both XXXX and XXXX XXXX payment. I have called and talked to them at least 12 times in the last month and they always reply that they are researching to call back in 3 days. It has been 2 months now. This week i told them to either resolve the payment application to my account this week or i would initiate legal action against them.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-25
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Bayview Loan Servicing repeatedly calls our home phone number for an XXXX XXXX. On at least two occassions I have spoken with a operates who have assured my this number will be removed from their records because there is no one at this number named XXXX XXXX. I was assured our number would be taken out of the calling queue. Dates of my call were Monday XX/XX/XXXXand XX/XX/XXXX. One the most recent call, I even told them unless they quite calling, I will file a complaint with the CFPB. Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
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: Problem with customer service

Complaint:
When I go online to see my recent CITI CARD statement ( at their website ) I get this message : " We couldnt find any recent statements for this account. You wont see statements for periods when there wasnt any account activity. '' This in spite of the fact that I received this email from CITI : " Your statement is available online - make or schedule your payment now. '' Customer service both online & by phone has been no help in resolving issue. I'm still unable to review my statement and yet they expect me to pay my bill without checking the charges first.

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 2019-05-07
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
We were moving across state, and needed to access our savings account. We went over our 6 transfers, and got assessed a XXXX dollar fee, however, we did the 7th in branch and said they would cover the fee, however not only did they not do that, they gave a non sufficient funds fee asseed because we had to withdraw our money to cover unforeseen expenses. So, they gave us a few, and a NSF fee as well. A double threat, and their response was to refund half, instead of refund the NSF fee, and we would've been fine paying the excessive use fee. At this point it's simply principle. Also, wells Fargo is notorious for doing shady things anyways.

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 2018-09-19
Company: Midwest Recovery Systems
State: IN
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 have never received written notification of a collection account which appeared on my XXXX credit report. I disputed the item with XXXX, and the item was deleted from their credit file on XX/XX/2018 as a result of their re-investigation due to inability to verify the debt. The same account has now been reported on my XXXX and XXXX credit files as of XX/XX/2018, and I have initiated disputes with the credit bureaus to have the account removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I sent an initial dispute to Chexsystems to verify the accounts listed on my report. Included in their results was an account from XXXX XXXX XXXX showing that I owe {$880.00}, however, they did not send any documentation the validate this claim. The letter simply states " They have also informed us that additional negative activity took place increasing the balance to {$880.00} at the time of charge off. '' On XX/XX/XXXX, I sent a follow-up letter to Chexsystems asking them for the documentation supporting that statement. On XX/XX/XXXX, I received a response from them. Once again, they failed to provide proof of this alleged {$880.00} debt. Please delete this account from my report, as Chexsystems is in violation of Section 611 of the FCRA which states unverifiable or inaccurate information must be deleted from that file of the consumer. 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 2021-08-06
Company: EQUIFAX, INC.
State: FL
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 have attached 2 accounts that are reporting inaccurately to all three of my credit bureaus, per the FCRA they all have to report the same accurate information. I want these accounts that are reporting inaccurately to be deleted from all three credit bureaus. I have attached pictures highlighting the inaccuracies.

Company response to consumer: Closed with explanation