BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
After being struck by another driver that ran a red light on XX/XX/2019, our financed vehicle was deemed undrivable and towed to an impound lot. 
The other party in the accident was at fault, but her insurance company took a long time to accept the claim ( finally accepting responsibility and agreeing to pay off our auto loan, plus additional  compensation on XX/XX/2019 ). 
Meanwhile our car sat in an impound lot and the towing company, seeking to be paid, attempted to file a lien on the vehicle without contacting us. 
XXXX XXXX XXXX, with whom we have a $ XXXX loan on the vehicle and to whom we have continued to make payments timely and in full, received notice of the lien. They then determined that the damaged vehicle was worthless, and declared it abandoned and placed our loan in charge off status again without contacting us. 
Until XX/XX/2019, we had no knowledge of the attempted lien or negative credit reporting. If we had known, we would have simply paid the towing company and/or XXXX XXXX XXXX and sought recovery through insurance once the claim was accepted. 
We spoke with XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2019 and were informed that once they receive payment from the insurance company they will contact the credit reporting agencies to have that charge off removed from our record. Although they acknowledged the credit reporting needed to be corrected and that we have always paid in full on time ( the loan was never delinquent and is not currently in charge-off condition ), they will make no effort to correct this until they have been paid in full. We offered to pay in full to speed up the correction process, but they advised us to allow the insurance company to complete the payoff process that is already underway. 
Unfortunately, we are currently in the process of obtaining a mortgage ( primary residence ) and this negative and erroneous credit reporting could interfere in our ability to obtain that financing. 
We respectfully request your assistance in encouraging ( if not enforcing ) prompt and accurate credit reporting by XXXX XXXX XXXX in this matter. If this is not remedied swiftly, it could have significant implications for our personal financial situation that are unjust and unwarranted.

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 2019-07-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Numerous calls, from different numbers, before and after XXXX XXXX, and on Sundays. They don't leave messages and refuse to give any information without me giving them my name. They are fishing. I don't want my name in somebody's system without knowing who and why! They're calling me. They claim to not have a do not call list. The company is Portfolio Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I have been attempting to work with Citizens Bank on my HELOC which I can no longer afford. The line is now in the repayment phase and I can not afford the payments. I have gone through their modification process for months and provided numerous documents and information on multiple occasions and they are only able to provide me with a rate reduction and are now requiring I escrow my taxes and insurance which will bring the payment to an even greater amount than I can afford AND was initially attempting to pay. I have requested a longer term up to 20 years so I am able to reduce my payments, but they are only able to extent to XXXX payments. I am struggling to keep my first mortgage and taxes current, student loans paid and I have also worked out payments with my credit card companies. I feel as though I am being forced into bankruptcy. I can not sell my home, I have no where to go and currently have a XXXX who is XXXX XXXX  and struggling with medical issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been paying faithfully on my account without any problems. Company chose to close my account anyway.

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 2019-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
On XX/XX/2019 I wrote to various lenders who were mostly authorized ONLY to pull what they had all agreed was a SOFT pull which would not be reflected. Others fell under the XXXX XXXX application which trickled down more lenders who claimed upon my phone contact to them that their pulls were soft. Amongst the lenders was XXXX XXXX XXXX who promised the pull was soft. After communicating with the manager, he said it was a mistake and it was too late. Because he did have a car of interest, he said that he could use his ALREADY EXISTING inquiry to get me pre-approved. He never disclosed that it would create more pulls or that they would be hard pulls. He was very much aware of my not being agreeable with any hard pulls. So this dealer trickled more hard pulls through his sub-lenders. Since they were hard pulls generated, none of it was with my authorization.

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 2021-09-10
Company: Experian Information Solutions Inc.
State: KS
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 showing XXXX XXXX XXXX XXXX in collections and stil la balance

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 2019-04-12
Company: Harris & Harris, Ltd.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This Company, XXXX XXXX at XXXX has literally called my Phone Number hundreds of Times over the past year, 5 times just in past few days. They just recently asked per recorded message if I was a person I have never heard of & asked me to push a Number on my Phone, I did, indicating I am not that Person. This Company continues to leave Robo Calls. I owe no Debt!!!!! They need to Stop Immediately!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX and XXXX had incorrect information in our credit reports. We have been undertaking an extensive, multi-month process to get this information correct ; however, different financial institutions continue to receive wrongful information that is on our credit report. According to the FTC website we are entitled to a free copy of the corrected credit report once the investigation is completed and the wrongful information corrected ( from https : //www.consumer.ftc.gov/articles/0151-disputing-errors-credit-reports ) : " When the investigation is complete, the credit reporting company must give you the results in writing and a free copy of your report if the dispute results in a change. This free report does not count as your annual free report. If an item is changed or deleted, the credit reporting company can not put the disputed information back in your file unless the information provider verifies that it is accurate and complete. The credit reporting company also must send you written notice that includes the name, address, and phone number of the information provider. '' Both XXXX  and Transunion have failed ( thus far ) to provide us with these mandatory corrected reports.

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 2022-10-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
You have been caught in a LIE and using illegal tactics to collect information! As you can see from the attached documents CLEARLY prove that you have been breaking the LAW! All previous letters have been dated, recorded and forwarded to the CFPB. Please save yourself the embarrassment and delete the account disputed. 

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.

Attached Supporting Documentation : [ " The U.S. Bankruptcy Court, XXXX XXXX of Texas does NOT report information to any credit reporting agency. And do not supply credit bureaus/CRA 's with verification of bankruptcies or public records. '' ALSO attached is a response from XXXX XXXX stating that the bankruptcy mentioned has been removed from my consumer profile ( highlighted in attached response ) If XXXX has it removed then why are you still reporting it on my consumer report ]

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: Prosper Marketplace, Inc.
State: AZ
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:
On XXXX/XXXX/XXXX my dispute of a questionable reporting from Prosper Marketplace via certified mail # XXXX XXXX XXXX XXXX XXXX was returned to sender. 

The address on my credit report showed as XXXX XXXX XXXX  in XXXX XXXX, CA as of XXXX/XXXX/XXXX which was the date the letter was drafted. 

More than 30 days has passed without a response. Per federal regulation this item must be immediately and permanently removed from my XXXX XXXX and XXXX credit reports. Please see attached dispute and supporting docs. 
My dispute requested that Prosper provide the substantive information used to verify and authenticate the purported account. I have suffered identity theft breaches in recent years and require this information. The failure to respond within 30 days constitutes an immediate removal of this item from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-24
Company: CITIBANK, N.A.
State: SD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My Home Depot store credit card, managed by Citibank, was paid in full and on time in XXXX. Citibank cashed the check but failed to update my account to show that payment was made. Consequently, they proceeded to add late fees, report my account as delinquent to the credit bureaus, significantly lower my credit balance and engage in a DAILY campaign of harassment. I receive collection calls EVERY 3 HOURS daily and 1 email per day, reminding me to pay an outstanding balance that I do not owe. I have informed Home Depot AND Citibank on multiple occasions that I paid my balance in full and do not owe them any money. Additionally, I have faxed them proof of payment TWICE, yet they REFUSE to update their records.

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 2019-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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 2018-01-12
Company: CITIBANK, N.A.
State: MN
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:
I have a XXXX XXXX credit card. On XXXX, my XXXX XXXX card was charged {$160.00} and {$98.00}. On XXXX, it was charged {$170.00} on four occasions. These charges totaled {$980.00}. I did not make these charges. XXXX XXXX  did not alert me to the fraud. All six charges appear to be at XXXX and for sunglasses. I feel their fraud department should have flagged these purchases. I had auto pay set up on my XXXX XXXX card, so a payment was deducted from my checking account on XXXX/XXXX/XXXX. I called XXXX XXXX immediately to dispute the charges. I also closed the account. They stated they could not refund my money until it was posted to their records on XXXX. I called back on XXXX to request the refund, 2 times, I was told it would take 3-5 days. On XXXX, the credit still had not posted to my checking account. I called again today, XXXX, and was now told it would be another 3-5 days to receive the credit. This person stated they can not even initiated a refund until my payment has been posted to their records for 5 days. That is too long. I asked what if I had not called back, no response. What if I really needed those funds, no response. Just appologies, but no offer to do anything more. My main complains are : 1. These purchases should have been flagged when they initially occurred. 2. When calling in there is no option to go to a fraud department. 3. The XXXX XXXX representatives are not adequately trained on XXXX XXXX credit card fraud policies and procedures. 4. Resolution is not speedy enough. Thank you for any 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 2019-07-25
Company: Mobiloans, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX XXXX has repeatedly contacted my mother and brother about a debt they said I owe. They sent me a text on XX/XX/2019. I replied STOP. They then sent my brother the same text. I called the company at XXXX and tried to explain that I want them to cease and desist contacting me. I asked for the mailing address so I could send the information in writing and they refused to provide it, I was hung up on three times when asked. The agents will not give out anything but a generic name, no agent Id or last name. One woman told me okay I removed all your information and she would send me an email with what I was requesting. She then sent me an email telling me to opt-in and that I am consenting to receiving ongoing private and personal electronic information. I called the number on the email XXXX and spoke to someone named XXXX, he stated that he had removed all my numbers. I am not sure if that was the truth, he at first told me he didnt have an agent iD, then that he couldnt give out his last name, then he gave me an extension XXXX. Which doesnt mean anything, I called back to check.

Company response to consumer: Untimely response
Consumer complaint received 2019-07-25
Company: Experian Information Solutions Inc.
State: FL
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:
This morning I was placing credit freezes on my credit reports at XXXX, Experian, & XXXX. I had no problem putting freezes on my report at XXXX and XXXX. Experian did not allow me to place a freeze on my report. Their webpage is confusing and attempt to direct you to a paid service to place a freeze on one 's report. They should be made to make it easy to locate the area for a free credit freeze per the law. 

After I located the correct area to place the freeze and completed the form it took me to another form which stated they were unable to place the freeze and gave me instructions to send them a certified letter to complete the freeze. This is unacceptable. They seem to be making it intentionally difficult to provide this mandated free service. 

When you attempt to call them their system takes you on a multi-minute phone tree which at the end disconnects the line. Unacceptable.

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 2019-04-12
Company: ONLINE Information Services, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A couple of months ago I noticed a collection on my credit reports that I have no knowledge of by a agency called Online Information Services. I was informed the collection was from some utilities in another state. 

I then in turned called the original creditor like I was advised to do. The original creditor is XXXX XXXX XXXX. I informed them that I never opened any utilities or authorized any utilities to be opened in my name. I was informed the account was opened online. 

I was advised to dispute the account. I received a correspondence in the mail from online information services which is a billing statement with my name and a wrong address. The tactics this company is using is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
The company did not respond to my complaint. I have forwarded the response from the company and my response below. This is under the 180 days and I want it removed. 

seems this " complaint '' was filed prematurely as the consumer probably should have contacted insurance FIRST before filing a complaint. This consumer was sent numerous billing statements prior to being referred to our office for collections. Our office sent the debtor two written correspondences prior to reporting this to a credit reporting agency.Based on the accounts in collections, these debts appear to all be balances after insurance, such as a copayment, coinsurance or deductible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
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:
Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however, Equifax and XXXX have not removed this from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
After requesting validation { not verification } of the item reported and not receiving a response, I contacted XXXX XXXX XXXX XXXX in XXXX XXXX to start the process of credit repair for several erroneous items reporting negatively and incorrectly. One of the collectors is Resurgent Capital Services, and they are attempting to collect a balance owed due to fraud. They sent a letter in the mail DENYING me an investigation stating, they found my dispute to be " frivolous and irrelevant '' because I am using a credit repair service. This is against the FCRA and violates my rights of requesting debt validation and dispute investigation. This company has no license to collect any debts in the state of South Carolina and this debt is false. I have never had a XXXX XXXX account. 
I have attached the letter sent from Resurgent Capital Services to this complaint.

Company response to consumer: Closed with explanation