BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX has stolen my identity they are stating that I have a mortgage loan out with them since XX/XX/XXXX. They have not submitted a collateral accounting as I requested and they have not replied to a QWR that I have submitted to them certified mail XX/XX/XXXX. They are fraudulently trying to debt collect on a purported mortgage loan. They need to remove themselves from my credit report ASAP and they need to STOP sending me fraudulent paperwork. I expect you THE CFPB to handle this as they are still harassing me with fraudulent paperwork. I will be filing a complaint with the SEC .GOV as well! This purported debt was rescinded and closed out by XXXX XXXX XXXX a/k/a XXXX.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 2019-01-02
Company: Diversified Consultants, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is a re-hash of a complaint I made last year but it had been filed with XXXX. 
This is the very same company and same amount {$53.00} with the same originating company XXXX XXXX XXXX. I have NOT had any XXXX  services since the early XXXX when they did not supply the service they promised and then grossly overcharged me when I dropped their services. 
I will not EVER have XXXX  services. 

Collecting companies name is Diversified Consultants Inc. 

I have taken my credit score from the 500s to mid 700s and if I owed these idiots anything I'd pay it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have tried to contact XXXX XXXX for almost 3 months. Someone opened a credit card in my name with this company and now I have a charge off on my credit. XXXX XXXX is not reachable they do not call back. I have sent emails and called no reply.

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 2019-10-22
Company: Lendmark Financial Services
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that LANDMARK FINANCIAL SER has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-02
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
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:
I opened this HSBC/Mastercard credit card account at the end off XXXX, accepting an invitation they sent to me by regular mail with an incentive of {$150.00} after {$1000.00} of purchase with that card. 
I was approved and start using it and scheduled two on line payments with emails confirmations. 
1- {$100.00} on XX/XX/XXXX conf. XXXX 2- {$500.00} on XX/XX/XXXX conf. XXXX By XXXX Holidays my wife told me that her card was rejected at the store. I told her that should be fine due may earlier payments. I checked on line, and the payments were reversed and a {$25.00} fee was added. I called to customer service XXXX on Thursday XX/XX/XXXX twice and waited for 45 minutes first and about 30 min hold, no agent took my call while waiting. Finally an agent answer and told me that my account was blocked and I need to call security to XXXX. Called by XXXX a machine asked for my ID info and again wait for about 20 min nobody took my call and I decided to hang up because I've got to work. Called again next day same thing 30 min  on hold no agent to take my call, so I hung up. So XXXX passed by and I went on line on XX/XX/XXXX, and tried to check my payment info to see any errors, I couldn't pay neither could see my payment information but I created A link to my bank account just in case. I start chating to them to look a new way to pay and make them to waive the fee. After chating for a while they told me that they can't help me that I need to call XXXX which I did but same thing It put me on hold and nobody took my call. Call again, and finally an agent answer but she told me that I need to call the XXXX during office hours, because she can't help me at that time. I'm afraid more fee are coming up and I have no way to pay. That's a ridicule and consuming time situation. that costumer service is horrible it tired me up. I just wanted to pay that in full get rid of those fees and close the account but they don't have a branch in XXXX Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: BANK OF THE WEST
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/20 I filed bank dispute XXXX with representative XXXX XXXX ext XXXX for purchase made on XX/XX/20 to card ending in XXXX for {$230.00} paid to XXXX XXXX. As of XX/XX/20 merchandise was returned to store at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX -phone # XXXX to supervisor XXXX & cashier XXXX XXXX whose name is on return receipt. Both workers knew I closed my XXXX account before refund but assured me refund would not be " in limbo '' .XXXX XXXX today confirmed XXXX blocked refund but refused to issue refund check. 
XXXX falsely accused me of filing multiple past claims which I closed without repayment in a fraudulent attempt to refuse issuance of final refund credit, despite receipt of both faxed & email copies of store return receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: Google Compare Credit Cards Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
My name is XXXX XXXX. I have been hacked with my computer. Someone had been using my info to attach another account to my XXXX  account XXXX and robbed me for my XXXX XXXX which contains my social security number, my business information, contact, bank account information, and personal information. XXXX allowed the activity to go during the month of XXXX. They are making more of my Gmails to illegally purchases

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
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 {$0.00}.

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.

-- AUTO ACCOUNT 1. XXXX XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a XXXX XXXX credit card {$300.00} dollars i paid on it then i had a few money issues then i received calls after calls finally someone offered me a settlement. Then it got handed to XXXX XXXX i took it they never gave me paperwork that this is resolved plus they had 2 different account numbers on my credit report one said satisfied XXXX and another XXXX not settled debt owed so they need to fix it i called but talk to different people over and over again

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is an incorrect previous address listed for me in Indiana that was reported on XX/XX/XXXX. I have never lived at that address. The address belongs to an exhusband who was unable to be located for divorce proceedings and who unlawfully used a credit card of mine in California in XX/XX/XXXX that was reported and funds were received back into my acct. Please remove this address from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently checked my credit report and noticed two fraudulent medical accounts XXXX XXXX XXXX  in the amount of {$1500.00} and XXXX XXXX XXXX {$65.00}. Along with 3 inquires. I have reached out by phone on XXXX XXXX to XXXX, EXQUIFAX and XXXX. I was informed to complete a FTC Identity theft report. I mailed my true identity, supporting documents to validate my identity, and the FTC report on XX/XX/2021. The account came back verified. I called the Companies in question and was informed to call the Credit Bureaus. The Bureaus are not properly validating the accounts. I have not signed or authorized to request for these companies to have financial ties on my behalf. I am disappointed as a consumer the Bureaus are not responsively upholding the credit laws Section 609 AND section 605.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint/NewRez is engaging in deceptive practices around forbearance. 

Shellpoint/NewRez is my mortgage servicer. I inquired about a forbearance program on XX/XX/XXXX however I did not sign up for it, e-sign anything, or send in any paperwork or fill out forms. I read the paperwork and decided it was not for me. 

Shellpoint/NewRez called XX/XX/XXXX, noting that I didn't complete my application and asked if I was still interested in forbearance. I answered " no '' in clear and uncertain terms. The representative thanked me and hung up. 

They signed me up for forbearance anyway. I found out because I checked my payment on XX/XX/XXXX and my account had been flagged and my ( pending ) automatic payment canceled. I was unable to contact them until the XXXX after waiting hours on the phone, and multiple hang ups on their part. 

The customer service rep ( XXXX XXXX XXXX ) said that he removed the forbearance ( he apologized for the mistake ) and my automatic payment would be reinstated. 

When I checked on XXXX ( the date my payment was due ) the automatic payment was not reinstated. I was unable to contact NewRez ( phones busy ) on XXXX and most of XXXX. I finally got ahold of a rep ( XXXX XXXX XXXX ) who claimed the forbearance was removed but would not help with the automatic payment. I made the payment through ACH and was not late. 

I am still receiving correspondence from Shellpoint/NewRez saying that I am in their forbearance program. The latest notice arrived today, XX/XX/2020.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/18 I used the services of MoneyGram in XXXX VA to make a money transfer of XXXX Dollars ( Reference Number XXXX ) to my sister in XXXX XXXX, Its been more than 10 days without having able to receive the money or a response of where the money currently is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
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 {$0.00}. 
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.

-- AUTO ACCOUNT 1. XXXX XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -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 2020-05-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Hello : I am requesting assistance with three credit reporting agencies as well as Capital One Credit Card. 

While requesting my free annual credit report, I observed there to be asking/verifying questions in which is not applicable to me. 

1. I was asked about a car loan, car loan payment amount, pet insurance and student loan information. I do not have these information on my credit report. why is it showing up there. I dont have any of these about mentioned accounts. 

On an ongoing basis, I have noticed my account balances to be incorrect as well as the account limits. 

Capital One also reported me late in XX/XX/XXXX and XX/XX/XXXX, when I paid from a bank account on time. 

My discover card balance is incorrect. They are reporting me late, when I pay my accounts on time every month. 

I requested to receive SCRA benefits from capital One, in which I was denied SCRA benefits on my Capital One account. I was advised this is a law. They also reported late, when I explained to them I was in training and the bills went to the incorrect address. 

The account was also on reoccurring monthly payments. which they took out payment but still reported as late. I am asking assistance with this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-10
Company: GREAT LAKES
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I did not receive the email about my loan being recapitalized, and my income based repayment plan effective end date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: First Advantage LNS Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2018 I received an email from XXXX XXXX XXXX XXXX claiming I owed them {$1400.00}. 

They have placed a collection on my credit report for that debt 5 years after I allegedly lived at this location. 

The company has sent me several emails that attempt to make me settle or continue to have my credit score impacted. 

I informed them I am disputing this debt and make no claim that this debt belongs to me. They refuse to remove this debt from my credit profile in an attempt to collect this debt that I have made clear that I DO NOT OWE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: Io, Inc.
State: DE
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 showing on my credit a collection in which I do not owe. I cancelled my insurance before the renewal when I was told my insurance would double due to an accident. I paid the account in full at the end of term.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I have had my Best Buy card for about 7 years. I did not sign up for debt protection and I have been charged for this service since around XX/XX/XXXX until XX/XX/XXXX. I have asked for a refund at the end of XX/XX/XXXX for all of these fees I never agreed to and I keep getting the run around. The dept protection people tell me its Citibanks decision and Citibank tells me its the debt protection. I received 3 generic letters that assure me the service has been canceled but nothing addressing my refund. I have called dozens of times and I get the run around every time. I have asked for signature proof showing my approval for this service and still have not received anything.

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 2020-05-09
Company: EQUIFAX, 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:
I submitted a letter to dispute an account listed on my equifax report. I received a letter stating equifax was unable to locate credit file. Yet I have access to my credit report? So how is it a credit file wasnt located. So, my frustration is as I read the letter further, I noticed in the letter equifax requested a copy of my indentifcation. So I sent for the thousandth time a copy of my social security info and Id. So needless to say Im furious because this indicates to my equifax hasnt taken my dispute serious no investigated my concern. They didnt respond to my validation request. Im therefore requesting assistance with this issue. Along, with removal of accounts that was disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 am an Identity Theft victim, there was a fraudulent XXXX account opened for someone named " XXXX XXXX ''. My name is XXXX XXXX XXXX. I have had a problem with someone stealing mail from my mailbox. I reported this information to the report bureaus and Transunion removed the account and then a 30 days later reinserted it without any explanation or reason. I called XXXX to see had there been a Fraud investigation on this case and I was told no but the representative I talked to claimed one. This account is killing my credit and needs to be removed permanently.

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