BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-05
Company: TrueAccord Corp.
State: AE
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:
This creditor is in clear violation of my rights. I have not signed any contract with this creditor yet I receive correspondence about a debt owed. The creditor needs to show proof that I own the debt. The creditor needs to show proof that I have signed into contract to pay them. Furthermore, In accordance with the fair credit reporting act, this creditor has violated my rights. Account ending in XXXX, Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 
Account XXXX, connected to account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
TransUnion is reporting an incorrect filing date. I filed a Chapter XXXX bankruptcy XX/XX/XXXX. The case was converted to a Chapter XXXX XX/XX/XXXX. XXXX. TransUnion is reporting the filing date of the Chapter XXXX as XX/XX/XXXX. This is in violation of 11U.S. C. 348 ( a ). The section 348 ( a ) concerns the effects from one chapter to another. 348 ( a ) states in part. Conversion of a case from one case under one chapter of this title constitutes an order for relief under the chapter to which the case is converted. This does not change the date of filing date of the case or petition the commencement of the case and the order of relief. 
XXXX v. XXXX XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ), in which held that a conversion from chapter XXXX to chapter XXXX, the debtors are deem to have filed the converted case at the same time the original case was filed. The filing date of a converted case relates back to the initial filing date. 
Under 348 ( a ) a converted case is deem to be filed at the time the case was initially before the converted case.

1. TransUnion reports that Chapter XXXX original filing date is XX/XX/XXXX and case number XXXX. 
2. I have enclosed the court order conversion of Chapter XXXX to Chapter XXXX. 
3. I have enclose the Discharge of Debtor order dated XX/XX/XXXX. 
4. Resolution : According to 11 U.S.C 348 ( a ) The original file date for the Chapter XXXX must be the original date of the Chapter XXXX petition date XX/XX/XXXX. I am requesting that TransUnion correct the file 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 explanation
Consumer complaint received 2020-12-02
Company: CL Holdings LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ABOUT 2 1/2 YEARS AGO MY FICO SCORE PLUMMETED OVER 100 POINTS. I CHECKED MY CREDIT REPORT AND FOUND OUT A XXXX ACCT. WAS OPENED FRAUDULENTLY IN MY NAME. I CONTACTED THE 3 CREDIT BUREAUS AND THEY DID THEIR INVESTIGATION AND REMOVED IT FROM MY REPORT. 2 1/2 YEARS LATER THIS SAME FRAUDULENT ACCT. APPEARS ON MY CREDIT REPORT, ONLY THIS TIME A COLLECTION AGENCY HAS IT. THE SAME {$180.00} BALANCE FROM XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: EVERBANK, NATIONAL ASSOCIATION
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: Personal information incorrect

Complaint:
I received my credit report from XXXX this morning and found some things into the report that I had no knowledge of. Yes last XXXX I received a letter form XXXX XXXX XXXX that I maybe one of 14 million that was in the problem of the credit bureau being breached then.

From the looks of it they were right I have addresses that I never lived at and the misspelling of my last name as well as some one tried to get credit in my name as well. 

Now I am seeing addresses that I never lived before. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Single family house XXXX XXXX XXXX Address identification number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Single Family XXXX XXXX XXXX Address ID Number XXXX These places I have never lived before. And I never used my son 's name o co apply with me on anything now that is a fraud because his name has been used for different things as well.So that is wrong too, now the spelling of my name is wrong as well over Name identification number XXXX XXXX this is not my name at all. If your going to fraud by using some one else name spell it right. 
XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX ( XXXX ) XXXX So what XXXX XXXX XXXX told me was true. I have companies calling and telling me that I have to renew the house and car warranty when I do not even own one. I have checked my own back ground check and find that thee are a million XXXX XXXX XXXX 's because it is a common name. I just happen to be one of them. I do feel that I was a victim of ID Theft because to find these tings on my credit report is hindering me from advancing to do better for myself and family. I am trying to get a small business loan now and can not get it because of all of these things on my credit report. It makes me look bad hen I am trying to clean things up and not owe anyone at all. 
these things I did not know about until today

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
Company: REGIONS FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX there is a hard inquiry on my credit report, I have not applied for any type of credit card from them. I don't know who keeps trying to get credit under my name but it needs to stop. XX/XX/2016 when the pull occurred.

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 2018-10-01
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/18 I filed a dispute in regards to several incorrect items that were on my credit report. Most of the items have already been corrected. However, the erroneous collection from XXXX XXXX XXXX for {$9600.00} has yet to be removed from my XXXX report. I have had no business dealings with this company, nor have I signed a lease or any type of rental agreement with this company. I have already contacted XXXX   and XXXX about this matter and after their investigations they both found that the record was invalid and removed the collection from my record. On XX/XX/18 I received a letter from them stating that they can't sue me because the account in question is too old. I have called XXXX on multiple occasions disputing the collection. I also sent them a certified letter stating the same. I am in the process of purchasing a house and this is the only thing holding it up. It would be greatly appreciated if you could look into this matter and get this closed, so I can get it removed from my report. Thanks so much for your help and I hope you have a great day

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had my mortgage sold to Loancare and have been with them for a few months now. I submitted for and was granted a Forbearance Plan dated XX/XX/2020. I was granted a 90 day forbearance for the payments for XXXX, XXXX, and XXXX. Since the beginning of XXXX the company has been calling me nearly every day and now I have received a packet dated XX/XX/2020 referring to a missed payment and trying to give information on how to avoid a foreclosure. If I'm not mistaken, Federal law stated that they have to offer a forbearance or other assistance and that they can not foreclose on any property during the COVID-19 emergency.

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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my NUMEROUS 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 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 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 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 2019-10-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
Capital One Bank # XXXX is reporting a late in XX/XX/19 that I should not owe. I paid this online and was never informed that the payment did not go through, and I did not realize it was marked as late until I had my credit pulled later. This is not my fault and I would like this late removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: MONEY SOURCE, INC., THE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Refinanced home along with escrow balance with XXXX XXXX  ( Closing date XX/XX/2020. Signed closing papers on XX/XX/2020 ). XXXX XXXX  transferred mortgage with escrow account to XXXX who assigned TMS ( The Money Source ) to service loan on XX/XX/2020. Made payment including escrow to TMS on XXXXReceived XXXXcounty notification to pay taxes due since XX/XX/2020. Contacted TMS over the phone to notify them to pay property taxes as they are holding the fund in escrow at least 6-7 times including a supervisor on recorded line who mentions ' Honey! Your loan is transferred to XXXX XXXX we have nothing to do with it anymore ..etc '' Contacted XXXX XXXX XXXX several times who could not find the transfer anywhere in their system even with the transfer account number provided to me by TMS. Called TMS again several times to make them aware of it and need for paying property Taxes ( Since they mentioned it may take 60 days to complete transfer and I am already delinquent to pay taxes ) with no clear directives or solution but mostly beating around the bushes so to speak. Contacted XXXX  XXXX  3 times who gave me a case number and escalated the case but no result so far. Contacted original lender via e-mail with no response so far. Please advise! Please help! It can not be a NORM in the process, Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
Company: Navient Solutions, LLC.
State: CA
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 logged into my navient account in XX/XX/2018 to make my normal monthly payment as I always do. I was not past due or anything abnormal. I went to make my payment and my total due said {$0.00}. I was very confused as to why it said my monthly payment of {$270.00} was showing nothing due at this time. I decided to call navient to see what was going on. The customer service rep said oh we are giving you a disaster relief forbearance. I was totally confused. I said what was the disaster? She said due to the fires that were currently happening in california they decided to turn off my account and give me 3 months of no payments to help me out. I told her that I did not request this and did not receive any email or letter in the mail about it. I made sure to ask her if I would be penalized for it i chose not to pay within those 3 months or if i would be charged any crazy interest or anything like that. She assured me that my account was completely turned off and it would not be accruing any interest and to resume payments in XXXX as normal. XXXX came around and i logged in and made my normal payment. I made another payment in XXXX as well as XXXX. I go log in this month to make my XXXX payment and I happen to notice that my account balance has not gone down whatsoever. I look at my payment history. For XXXX i paid a remaining balance of {$120.00}. ( i chose to pay {$150.00} in XXXX when my account was turned off ) The entire amount went to interest. For XXXX i made a payment of {$270.00} and the entire amount went to interest. For XXXX i made a payment of {$270.00} and only {$30.00} went to principle. I called navient and asked them why i had made payments totaling {$670.00} and only {$30.00} went to principle. they had responded saying its because my account was turned off and i owe back interest. I told them i spoke to a representative that did not give me the option whether or not to turn off my account and that it was their decision without even informing me and now im being penalized for capital interest. I told them to reverse the charges and they refused. they also told me my loan was extended for 3 months due to the account being turned off. i was furious and they basically told me there was nothing they could do. i feel completely scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: EQUIFAX, INC.
State: OK
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 continues to report information on my credit report that they have sent me in writing confirmation that the items would be deleted ( see attached documents ). I have requested that the following addresses be deleted ( Equifax stated on the report dated XXXX.2018, confirmation # XXXX, that all of the addresses had been deleted ; yet when I pulled my credit report on XX/XX/2018, almost 120 days later, the addresses are still reflected as are accounts that companies instructed Equifax to remove : DELETE ( See attached report where Equifax stated these addresses were deleted : XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX Delete : XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) The above mentioned companies instructed all 3 bureaus to DELETE the entries ; however, Equifax has blatantly refused.

In summary, DELETE ALL AFOREMENTIONED INFORMATION FROM MY EQUIFAX CREDIT REPORT AND PROVIDE A NEW, FULL, CREDIT REPORT THAT REFLECTS THE OUTCOMES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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 purchased an E-Book from XXXX XXXX on XX/XX/2020 in the amount of {$120.00}. We were unable to access the assignments because the code was either recycled or not valid. We emailed XXXX XXXX for assistance and got two emails stating they will take care of it, and did not. I called Capital One to dispute the charge, and they credited my card for the amount. They later recharged me the amount and said they needed me to send in evidence. I sent the emails of my correspondence with XXXX XXXX showing the codes were giving me technical difficulties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
New Inquiry below that I do not recognize. Thanks, XXXX XX/XX/2022 XXXX 's Name : BANK OF AMERICA Phone : ( XXXX ) XXXX Type Of Industry : XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CT XXXX City : XXXX Zip : XXXX State 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 2018-09-02
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Over the summer, my Gold card was enrolled in Spend $ XXXX/earn XXXX points with American Express . I met the criteria spending a total of {$12000.00} but have not received my points. I escalated my concern to Ms. XXXX XXXX, Executive Assistant for American Express, who informed me that I had already received those points in XX/XX/2018. 

The situation in XX/XX/2018 involved me relocating from XXXX to XXXX and, after speaking with an AMEX representative on the phone and updating my mailing address, the Blue AMEX credit card was incorrectly mailed to my old address American Express had not updated my address. Ms. XXXX stated that because of the inconvenience, I would be eligible for XXXX if I spent {$4000.00} on my other AMEX credit card the Gold card. I met the spending requirement and received the XXXX points in XX/XX/2018. 

The two situations are completely different : the XXXX points I received in XX/XX/XXXX were a customer service initiate for sending my Blue AMEX card to the wrong address ; the overnighted a new card to me, since I had not received in my credit card in 2 weeks. 
This situation involves promotional points that I rightfully earned by spending {$12000.00} over the course of three months and am eligible for XXXX points. I have a screen shot of the conversation I had with an AMEX customer service representative in addition to the confirmation codes for the three separate times I met the criteria for XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Paypal Holdings, Inc
State: ME
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I was looking at my bank account and I noticed that {$1000.00} was taken out so I looked at my Venmo account and I noticed there was two payments of {$500.00} each that I did not auhtorize. One was too a XXXX XXXX and the other was to an XXXX. I contacted venmo to see if they could get my money back and today, XX/XX/XXXX I heard back from them saying that it was denied and I was not getting my {$1000.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
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:
I sent a letter to the XXXX Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX  XXXX Balance Owed : {$63000.00} ; XXXX XXXX Balance Owed : {$9000.00} ; XXXX XXXX XXXX Owed : {$2900.00}.

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