BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-27
Company: National Credit Adjusters, LLC
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:
on XXXX I paid off 2 Collections from : National Credit Adjusters po box XXXX - XXXX XXXX XXXX XXXX. 
XXXX, KS XXXX XXXX XXXX : XXXX Fax : XXXX They informed that they would delete this 2 collections from all 3 bureaus on my credit report in 30 days after payment and they still have not deleted this collection. I've done everything I was asked to do and they didn't hold up there part. 

XXXX XXXX : XXXX Account XXXX : XXXX NCAAcct. No : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Account No : XXXX NCAAcct. No : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I tried to use my Home Depot credit card on XXXX XX/XX/2020, but it was declined. The account has an {$8800.00} credit limit, and there is no outstanding balance on it. 

I called XXXX at XXXX XXXX  and used the last four digits of my social security number to access my account. After making the appropriate selection in the phone prompts, my call was answered by someone in Citibank 's probate department. 

I explained to the man on the phone that I was not dead. He transferred me to the internal recovery department. The internal recovery department did not provide me with any information, and would not answer any questions. The woman I spoke with told me I have to call back tomorrow ( XXXX XX/XX/2020 XXXX and speak with the probate department. 

I am not dead. I also do not owe anything to Home Depot or Citibank as I paid my bill in full in XXXX of 2020.

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 2020-12-10
Company: Experian Information Solutions Inc.
State: MO
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:
My identity has been compromised and someone obviously used my name because there's information on my credit file that does not belong to me. Please remove the following accounts and block them from my credit file. 

1. XXXX XXXX  2. 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 2018-03-02
Company: Experian Information Solutions Inc.
State: TX
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
This is regarding Experian Credit reporting. I signed up for their monthly membership plan over two years ago and have had access to my credit report so I can monitor it. I have been trying to cancel my membership for over a year now with no use. There is no way to cancel online. They give you a phone number, once you call the phone wait time is consistently over 2 hrs!!

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 2020-07-07
Company: CONTRACT CALLERS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I found in XX/XX/XXXX on my XXXX Credit Report a collection account from Contract Callers, Inc in the amount of {$11000.00}. This is listed as assigned XX/XX/XXXX. To this day XX/XX/XXXX I have not received any documentation, phone calls, no correspondence at all, I have a right under the FDCPA to validate and dispute this debt. I wrote to the company on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have not received anything from Contract Callers, Inc.

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 2020-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I receive a check from XXXX XXXX University for XXXX a stipend for school. I have always deposited my stipend checks into this account. I have never had a issue. I received a email stating that my deposit will be held 7 days due to the check may not cover withdrawals. This is offensive to me, I work hard and has made multiple deposits with Bank of America and has never falsified a check into my personal account or any account. I have a mortgage and a newborn to feed in order to keep a roof over our head. I will be closing out my account. This check was issued from Bank of America, so I dont understand why my check is being held 7 days. Per banking policy, Next Business Day Deposits Most banks say that they generally make funds available on the business day after you make a deposit, but there are exceptions. Cash deposits made to a bank employee must be made available within one business day ( business days are weekdays that are not holidays ), and those deposits are often available immediately. Certain types of checks must also be available in one business day:2 Official bank checks like cashiers checks Checks issued by the U.S. Treasury ( such as your tax refund or Social Security ) Checks for {$200.00} or less Checks drawn on the same bank that youre depositing to USPS money orders

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 2020-05-20
Company: RateGenius Loan Services Inc
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I went on the Rate Genius website to inquire about refinancing a car loan on XX/XX/2020. I was requesting information on their rates and process. I entered my contact information which did not include my SSN. A couple of days later, I received an email that I had been approved for a loan. I never applied for a loan. I reached out to the company and was told that they had the right to pull my credit based on me reaching out to them for the inquiry. I do not understand how this is proper or fair to the consumer. This seems like the same unscrupulous behavior that caused problems for XXXX XXXX. The inquiry should be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received an alert on my credit report that a card had been opened through Capital One Cabela 's. I had not applied to Cabela 's for an account and it happened twice. i contact Capital one and they said they are taking care of the fraud. suggested I report this issue. I also received a letter in the mail Department of Labor with a fraudulent Unemployment Claim being filed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-09
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
NewREZ LLC NMLS # XXXX mortgage company is purposely procrastinating with paperwork to further the financial harm to its client. filed to refinance using an Irrl loan through the current mortgage company in XXXX XXXX now after 3 months of being told just wait everything is good. now the loan can't qualify for the IRRL program because I had a late payment for XXXX and it was also time to make XXXX payment. I specifically have correspondence where the loan officer wasn't helping me. Quite a few unanswered emails on specifically asking about the process and what about the XXXX payment? I was again told not to worry the new loan was processing then poof! she vanishes. I have a new loan officer telling me that I need to make those payments to proceed with the loan. So I make them then a week later I'm being told since I had a late payment now the loan couldn't qualify. XXXX! My loan has been current with this company since they have managed the loan. I believe that the company is not working refinance loans in a timely manner to accrue the higher rate payment for as long as they possibly can. This in turn has put financial strain on my family. This has hurt me mostly financially but has also now blemished my credit rating. Had I not been smart enough to put my XXXX in XXXX payment in the bank I fear that would have been the beginnings of me losing my home, due to a foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Today it's over 30 days since Ive sent disputes dated XX/XX/2020 but there's still no reply. But I haven't received any reply. I was a victim of XXXX  Data Breach. I demand to delete those inaccurate and unknown accounts or I will file litigation.

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 2018-03-02
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Do not have a contract or document with Rent Recovery Solutions that I am in title to pay XXXX dollars to their company starting on XX/XX/2013.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: EQUIFAX, INC.
State: NJ
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:
not mine : fcra violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX SINGLE FAMILY XXXX XXXX TER XXXX, NJ XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, NJ XXXX SINGLE FAMILY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
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:
These are not my accounts. Please remove 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 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. DPT EDXXXX XXXX {$7500.00} XXXX XXXX {$2600.00} XXXX XXXX  XXXX {$450.00} XXXX XXXX {$630.00} XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX {$390.00} XXXX XXXX {$11000.00}

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 2021-05-21
Company: U.S. BANCORP
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Since XX/XX/XXXX, I have been attempting to dispute the BALANCE with US Bank regarding a credit card debt. They blatantly refuse to investigate the individual charges I have stated are the result of identity theft and fraud since the initial disputes because I verified in XX/XX/XXXX that the ACCOUNT was opened by me and was valid. US Bank then proceeded to block access to the account and statements, and refused for over two years to send me the account statements. Only through a dispute with CFPB in XX/XX/XXXX was US Bank finally forced to send me copies of the statements requested. 

On XX/XX/XXXX, I sent a letter to US Bank detailing the charges I have been attempting to dispute as fraud. The letter was sent via USPS Certified Mail with electronic return receipt. Tracking number XXXX XXXX XXXX XXXX XXXX, received on XX/XX/XXXX and signed receipt by XXXX XXXX. 

As of today, XX/XX/XXXX, US Bank has failed to respond to the dispute. I have received copies of each of the three major credit reports between XX/XX/XXXX and XX/XX/XXXX ; none of the credit reporting agencies have the account listed as " in dispute '' and all three credit reporting agencies state in the dispute results that US Bank verified the debt with them. 

US Bank is in violation of FDCPA and FCRA for the following : 1. Failure to respond within 30 days of receiving of dispute letter ; 2. Failure to report the account in dispute with the three major credit bureaus following the receipt of the dispute letter ; 3. Verification of the debt with the three major credit bureaus following receipt of the dispute letter and prior to validation or resolution of the dispute with me. 

Per federal law, creditors are required to respond within 30 days to a dispute. Per federal law, creditors are not allowed to verify an alleged debt with a third party prior to validation or resolution of the dispute with the consumer/disputing party. Finally, per federal law, if an account is under dispute or investigation, the creditor is required to document such status on the account with each of the major credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
My identity has been compromised and someone obviously used my name because there's information on my credit file that does not belong to me. Please remove the following accounts and block them from my credit file. 

XXXX. XXXX XXXX 2. 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 2022-10-27
Company: EQUIFAX, INC.
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: EQUIFAX, INC.
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: Risecredit, LLC
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
In XXXX of 2017 I applied for a {$2500.00} loan and was approved with Rise. I was aware of the high interest rate of 238.90 %, but at the time I needed some financial assistance and this was my only option. The payments are due approximately every 2 weeks. Since then I have made approximately 32 payments of {$230.00}, which sadly comes out to about {$7500.00}. I called today to pay off the loan and was shocked at the amount they gave me, {$3300.00}. If I paid that amount, the total amount paid is {$10000.00}, which is more than the term of my loan agreement. It appears that all the payments I have made has only been going to interest and I have not been applied towards the principal. 

I was reading up on New Mexico 's laws in reference to loans of {$2500.00} or less and I just do not see how this company is able to make me pay more than what is in my loan agreement. I am not able to retain a lawyer to look into this, so this is the route I am having to take. I would greatly appreciate any and all help/information you could give me. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Phoenix Financial Services LLC
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Phoenix Financial Services is attempting to collect two XXXX Hospital debts that were paid off by workers comp and documentation has been received by creditor. I submitted documentation from my attorney showing that XXXX XXXX XXXX had indeed paid the debts off and Phoenix Financial is still disputing the chargers. It has been in dispute for over 45 days and I have contacted Phoenix Financial over 5 times during the last month and a half. I followed up XX/XX/2020 with XXXX XXXX XXXX to ensure that those two payments had been submitted and was told they were. My attorney told me to file a claim due to unfair reporting practices and I hope this can be resolved quickly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I AM THE VICTIM OF IDENTITY THEFT. I HAVE REPORTED IT TO THE FTC AND TO THE BUREAUS ; I HAVE SENT THE INFORMATION AT LEAST HALF A DOZEN TIMES TO THE CREDIT BUREAU BUT THEY KEEP REPORTING NEGAVTIVE INFORMATION DESPITE IT BEING ON MY LAW ENFORCEMENT RPEORT AND IGNORING THE FACT THAT I WAS AFFECTED BY THE XXXX  BREACH. PLEASE ASSIST ME IN CLEARING MHY GOOD NAME AND MAKING THEM ABIDE BY THE LAW!!! 

The following accounts were opened fraudulently in my name, as reported to the FTC the bureaus and the local police department 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
Consumer complaint received 2022-10-08
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:
This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX IL XXXX XXXX XXXXXXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX {$7100.00} XXXX XXXXXXXX Balance {$10000.00}

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 2020-05-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I AM THE VICTIM OF IDENTITY THEFT. I HAVE REPORTED IT TO THE FTC AND TO THE BUREAUS ; I HAVE SENT THE INFORMATION AT LEAST HALF A DOZEN TIMES TO THE CREDIT BUREAU BUT THEY KEEP REPORTING NEGAVTIVE INFORMATION DESPITE IT BEING ON MY LAW ENFORCEMENT RPEORT AND IGNORING THE FACT THAT I WAS AFFECTED BY THE XXXX  BREACH. PLEASE ASSIST ME IN CLEARING MY GOOD NAME AND MAKING THEM ABIDE BY THE LAW!!! 

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