BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
THE FOLLOWING ACCOUNT IS BEING DISPLAYED NEGATIVELY ON MY CURRENT CREDIT REPORT : XXXX XXXX. 

IT IS REALLY AFFECTING THE OVERALL HEALTH OF MY CREDIT REPORT. THIS ACCOUNT IF FROM XXXX OF 2014 AND STILL AFFECTING ME, I HAVE DISPUTED THIS ACCOUNT PREVIOUSLY SEVERAL OTHER TIME AND NOTHING HAS BEEN DONE. ARE THEY EVEN LOOKING AT WHAT'S GOING ON??? I AM VERY FRUSTRATED BY THIS MATTER AND I NEED THIS ACCOUNT REMOVED AS SOON AS POSSIBLE AND LET IT BECOME EFFECTIVE!

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 2019-09-05
Company: Omega RMS, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I told them do not call me anymore and stop your collection action because I do own anything you do not have a contract with my name on it I never both anything from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
This account was deleted in XX/XX/2017 due to failure to prove it was my debt. Now it's reinserted on 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 non-monetary relief
Consumer complaint received 2021-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was advised that I can reached out to you all for help. I went to trade my car in and the man at the dealership said my credit would not allow it. I immediately signed up for one of those credit thingy and saw some things on my credit that is not mine. One thing that really stuck out was a bankruptcy. I called the Northern District of GA Bankruptcy and they lady at the clerk office told me that my social security number was not in their system and there is not bankruptcy for me. They told me to contact some company that has public records or something and the said the exact same thing so how is this possible smh. The other ones were XXXX XXXX, XXXX XXXX XXXX, XXXX? XXXX and XXXX GEM. I reached out to the FTC to let them know and the police here. I need help with this im doing this on my own and really need some help.

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 2021-07-12
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
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: Information is missing that should be on the report

Complaint:
Rushmore Loan Management Services LLC on behalf of XXXX XXXX ( Recent ) has not reported my Mortgage to the credit companies in 6-7 years since I was sold to them from XXXX. Making it look like I do not own property and am not getting the credit I deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
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: Their investigation did not fix an error on your report

Complaint:
THE FOLLOWING ACCOUNT IS BEING DISPLAYED NEGATIVELY ON MY CURRENT CREDIT REPORT : XXXX XXXX. 

IT IS REALLY AFFECTING THE OVERALL HEALTH OF MY CREDIT REPORT. THIS ACCOUNT IF FROM XXXX OF 2014 AND STILL AFFECTING ME, I HAVE DISPUTED THIS ACCOUNT PREVIOUSLY SEVERAL OTHER TIME AND NOTHING HAS BEEN DONE. ARE THEY EVEN LOOKING AT WHAT'S GOING ON??? I AM VERY FRUSTRATED BY THIS MATTER AND I NEED THIS ACCOUNT REMOVED AS SOON AS POSSIBLE AND LET IT BECOME EFFECTIVE!

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 2021-02-25
Company: DISCOVER BANK
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
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: Account information incorrect

Complaint:
on XXXX XXXX I opened disputes of debt validation with all 3 credit reporting agencies. XXXX, Experian, and XXXXn. XXXX  and Experian have not provided me with any proof of validation for the student loans reporting from XXXX, XXXX, XXXX etc. These loans showed {$0.00} paid, closed, and paying on time. After the inquiry of dispute, XXXX  and XXXX tripled the summary balance of amount owed and have yet to provide me with any documentation of validation for doing so. I have been on an IBR payment plan where all loans were consolidated and all payments were made on time.

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 2020-04-27
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax Credit score decreased today XX/XX/20. No negative information reported. No negative information added. Only change was credit card payment made, which decreased credit card overall credit usage balance. Called representative today at around XXXX Eastern was told system was down and to call back. Called again at XXXX Eastern spoke with a representative who could not or would not provide any assistance with my specific issue. The Equifax representative stated he was only able to advise me of what on my credit report could have a negative impact not why my credit score decreased. He is unable to see recent changes or the scores, but could refer me to a credit counselor. I advised I am not seeking credit counseling, but need to know why my score decreased 22 points for no reason. It was implied that there is no way an error could be made with the credit score reported, and no way to get it corrected. I asked to speak with a supervisor and was advised they will not be able to assist me either. I was placed on hold, a supervisor never came to the line. I feel there is no reason other than a discriminatory act my race or gender for my credit score to decrease. I feel Equifax 's practices allows for this act to continue, and allows me as a consumer with no other option, but to seek assistance elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7500.00}, {$8300.00}, {$14000.00}, {$27000.00}, {$2200.00}, {$0.00}, {$15000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7500.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- AUTO ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$27000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 


-- PERSONAL ACCOUNTS 6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7500.00}, {$8300.00}, {$14000.00}, {$27000.00}, {$2200.00}, {$0.00}, {$15000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7500.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- AUTO ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$27000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 


-- PERSONAL ACCOUNTS 6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not 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 explanation
Consumer complaint received 2020-04-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery is harassing again to try to collect a debt. I do not think this time it is Portfolio Recovery it is a former employer XXXX XXXX that is using this credit card debt to harass. Attached is a similar complaint I filed to the CFPB last XXXX. XXXX XXXX has harassed me for 20 years with this credit card debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-27
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The amount due for my Macy 's bill, payment due date XX/XX/2020 was {$170.00}. However, there were charges for {$100.00} and {$64.00}, respectively, a total of {$160.00} for merchandise that was ordered but not received. Therefore, I sent in a payment in the amount of {$9.00}, which was received on the payment due date. 

However, on my next bill, bill payment due XX/XX/2020, I was not credited in the amount of {$160.00} for merchandise ordered but not received, as indicated above. As a result, in addition to not crediting me in the amount of {$160.00}, Macy 's assessed an interest charge of {$3.00}. In addition, Macy 's also assessed me a late charge of {$28.00}, even though the payment I submitted was submitted and received on the due date.

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 2020-11-08
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The company has yet to provide me with documentation that they never sold the vehicle or if they did sell it, they never sent papers about how much. They have different amounts on each one of my credit reports. They keeping it from high to low to high.

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: 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:
XXXX XXXX XXXX. We leased a XXXX XXXX. When the lease was ending we got the pay-off and it was for XX/XX/XXXX. We paid it off ( which XXXX states we received your payment of {$11000.00} on XX/XX/XXXX ) and figured that was that. However, in XXXX we found out they were marking our account delinquent which made no sense as they had our {$11000.00} since XX/XX/XXXX. Even charged us some kind of tax we paid in full AFTER we paid off the car. XXXX - XXXX Account Manager XXXX reached out to me from XXXX and said there was some paperwork we had to sign to get the title. I asked if our credit would be cleared up once completed and we were told yes. However, they never cleared it up and are refusing to still clean it up. We were NEVER late, in fact, they owed us a refund after it was all said and done. They owed XXXX money. 

Experian has not reviewed the verifiable information that XXXX had our money in hand. If there was an issue... XXXX should have sent us back OUR money and that would have alerted us there was an issue. They did not give us back OUR money NOR did they inform us of any issues. As soon as we were aware there was an issue XX/XX/XXXX ( Friday ) we returned the paperwork XX/XX/XXXX ( Monday ). There were no late payments. XXXX- when I spoke with her - assured me once they paperwork was filled out - our credit would be corrected. We asked multiple times ( through their " Secure Messages that are no longer " accessible '' nor can you see any YOU send ) about them fixing our credit and that XXXX assured us they would fix this. On top of that they had to pay us monies BACK ( over {$300.00} ) and probably actually owe us more. I wonder if it was legal for them to charge us additional amounts AFTER they took our {$11000.00} that we *also* paid for some kind of tax on the car.

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 2019-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2018, I closed my checking account with Capital One Bank. At the time I signed the papers to close the account I was told I had to close all auto pay accounts. I called the next day to close an autopay I had through this Capital One account for a XXXX Credit Card. They said it was too late, and that they were already processing the payment. I acknowledged, and I am prepared to pay for, the overdraft fee and amount of this original payment - even though I then paid XXXX directly over the phone through my new bank account ( with XXXX XXXX. ) However, a month later I went to charge a 4 payments for XXXX through XXXX XXXX, via XXXX, each roughly {$13.00}, {$17.00}, {$3.00} and {$3.00}. Although I had closed my Capital One bank account, Capital One did NOT mark the account as closed. A debt collection representative called me on the phone and said I owed over {$600.00} in overdraft fees as they re-opened the account when XXXX XXXX went to charge the account - instead of just reporting the account as closed. This was not an automatic, recurring payment. I had other payment methods available to XXXX  ; however, Capital One allowed XXXX   to charge the account multiple times resulting in multiple overdraft fees. I have tried to resolve this issue with Capital One and XXXX  ; XXXX  refunded their charges but is unable to assist with Capital One overdraft fees - fees that would have been avoided if the account would have remained closed from the XX/XX/XXXX date as I signed off on. I closed this account. No further charges should have been able to post to this closed account. I have paperwork I signed noting that the account was closed. I want Capital One to charge me only for the {$42.00} and the resulting overdraft fee from XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-24
Company: McCalla Raymer Leibert Pierce, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I opened a complaint against XXXX XXXX XXXX XXXX. Last month on XX/XX/2018 complaint number XXXX.Still I haven't got an answer from this Debt Collector about my DEBT VALIDATION LETTER, *** The CFPB closed this complaint based on their answer they Provided as it follows : " XXXX XXXX XXXX, Mc Calla Raymer Leibert Pierce and XXXX XXXX XXXX are not mortgage servicers -they are still vendors hired by mortgage servicers for the purpose of pursuing foreclosure and would NOT BE DEBT COLLECTORS under settled California Law.Morever XXXX XXXX  filled chapter XXXX bankruptcy on XX/XX/2018 is currently represented by bankruptcy Counsel.Any communication back to XXXX XXXX are complicated and possible prohibited by the Bankruptcy automatic stay allows for a legal respite from certain collections activities***.

I have to stay this debt collector lie and misrepresented to this Federal Agency, I'm attaching a media publication in which XXXX XXXX XXXX Admitted be a Debt Collector the 5TH page attached to the previous complaint in the third column top in the right it says : '' THIS COMMUNICATION IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED WITH THAT PURPOSE '' Basically this debt collector is lie and misrepresented to the federal agency, and the reason I opened an new inquire is because they still send me this dunning letters the latest I received is from XX/XX/2018.

If the CFPB doesn't take action to stop this Outlaw Company I may file a class Action against them, with another XXXX people who had problems with this Company under the same circumstances, and I already started looking for information on the owners of this company to including in a separate legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
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 disputed a few accounts with ChexSystems on my letter dated XX/XX/2020, and which they received certified mail on XX/XX/2020. I have NOT heard any response from ChexSystems, yet they continue to report the disputed items. 

In addition, I requested pursuant to FCRA 611 ( a ) ( 6 ) ( B ( iii ) and FCRA 611 ( a ) ( 7 ), that you provided to me, which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

I have NOT received any description of procedure. ChexSystems is now in violation of the FCRA under these two counts I have mentioned above. 

I demand all disputed accounts be immediately deleted from my consumer 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 explanation