BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-30
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
A few days ago some bills did not go through so I logged into my account to see what was wrong and was greeted by a number to call. The people on the phone claimed it was a periodic review being done for many accounts due to all of the fraud taking place recently. He explained that a form would be sent to my email on file that needed to be filled in order to fix my account which will take approximately 5-7 days after the form is filled. 

I filled the from reluctantly, and seen that it was asking for all my IRS records from XXXX  of all people ( whom was recently breached giving out over 145 million people 's full life information mind you ) in which I took care of it knowing I could legally request the information deleted after verification. My information was verified through the system and early this morning I logged into my account to pay off the balance as usual but seen no available balance, only what was due. I contacted a representative and they informed me that my account had been closed. 

Keep in mind I've had this account since XX/XX/2014 and have NEVER been late, always paid off the balance monthly, etc. You can not find one single issue with my account, but they said they could not verify my information? XXXX? But yet they've been accepting payments from me for 7 years. 

Outside of this they offered me to reapply, so basically they are destroying my credit profile for having a 7 year old account which is about to drop my credit score drastically due to the age average since I never really used many credit cards other than this one, all for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The inquiries below I did not authorize. I have contacted the companies and was told I had to dispute with the credit report agencies. The below inquiries need to me removed. 

Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX Bank   XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XXXX XXXX, XXXX Automotive XXXX/XXXX   Inquiry from XXXX XXXX, XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX  XXXX XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines  XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX Finance XXXX  XXXX Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  XXXX Inquiry from XX/XX/XXXX Bank

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 2020-01-24
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company is attempting to collect a debt without proof of ownership. The company is in violation of the Truth and Lending Act ( TLA ) by reporting the debt as mine to the Credit Agencies XXXX, XXXX, and XXXX. The company is using statements as its course of debt validation. However, the ( TLA ) requires an application either written are orally to provide proof of an alleged debt the ( TLA ) also requires fair and accurate reporting and that interest rates be provided dollar by dollar. I do not owe and acknowledged this alleged debt and neither agree with it. If this company owns this alleged debt it must provide the chain of assignments and the contract between it and the seller and certification of ownership and provide the receipts and proof of how much they purchased the debt for. I have enclosed an enhanced validation request in this complaint to the company. Although the company has stop collection activities they are still reporting to the credit agencies as an attempt to collect the debt and defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: The CMI Group, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The main company XXXX ( XXXX XXXX ) gave my information to credit management to collect money from me on an account that I never had with them. They gave my personal information to credit management without my consent for a balance that I never owed. I have a collection on my credit labeled as due to natural disaster and I called both the collection agency and the original creditor and they both can not find an account under my name and SSN.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-30
Company: ALLY FINANCIAL INC.
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:
I opened a car loan with Ally Financial in 2018. Less than 6 months later the vehicle was totaled in an accident. The accident was immediately reported to the authorities and my insurance company. The next business day, it was also reported by me to the bank. I was told after I was placed in collections that the full balance of the loan would be fulfilled with the GAP insurance coverage. This was not the case. I have attempted for the last 2 years to have this account rectified. It is being reported as a charge of for the full amount of the loan, over {$15000.00} and GAP only covered about 50 % rather than the full 100 % as I was told by Ally. Suddenly Ally has no record of this account either in the service end or the charge off department. Nobody can explain to me why theres no record of this account yet its showing as a charge off with half of the balance having been paid. Its also not reflecting the payments that were made in the few months prior to the accident. I cant get this issue resolved because Ally has no record of the account, so how is it being reported to the bureaus? I was told after GAP pays out, it would be CLOSED with a {$0.00} balance. Ally representatives were very misleading! Unfortunately this is not the only horror story with Ally, they should not be operational.

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 2020-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Transunion is reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I changed banks however XXXX did not update the new information in a timely manner and consequently there was a late reported on this account through no fault of my own. I made all timely monthly payments on this account. The account has since been paid off. I have provided a copy of the payment history ledger. This late payment is reporting in error and is seriously harming my credit score. Please remove and/or update this account to reflect no lates. I have contacted the bureau to remove this late reporting however, I have not been successful.

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 2021-03-28
Company: SN SERVICING CORPORATION
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
My secondary loan is in default, we were struggling to pay due to loss of job and income, now we are back on our feet and the company that bought the loan has ballooned it to double the amount it was XXXX not it is XXXX they have filed a foreclosure complaint against us and we are working to resolve and they will not budge, I have paid a lawyer to help mediate but they are saying we owe the whole amount and are being very persistent. We have XXXX children and I do not want to lose my home, I am looking for a reasonable solution. the last company that bought this account was willing to settle for a much lower amount and now that the new company bought the loan they will not accept the lower amount because my house has equity. Is there help or a program during this time?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I worked for a company called XXXX XXXX , XXXX The company filed bankruptcy in XXXX and the bankruptcy was settled in XXXX. Attached is a copy of the filing. While I was an XXXX of the company, I did not make any personal guarantees on behalf of the company which was a public company with hundreds of shareholders, so I don't know why AMEX or their collection agency can assert that I should be responsible for this debt. It was the company 's debt, not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Asset Management Holdings, LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Hello I am following up on a complaint I submitted last year. 

The complaint number is : XXXX The complaint is filed closed but I am not exactly sure what happened with this case. I never received another call from the company trying to secure payments and I filed a complaint with the Dept of Savings and Mortgage Lending in the State of Texas and the company is not registered to do business in the State of Texas so I am wondering if anything has happened to the company and if charges have been pressed and what the end result of this lien is on my house. 

Thank you, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have noticed incorrect and/or, 3rd party notifications. With, incorrect balance ; leading to charge declines at POS. There is a wire transfer from XXXX XXXX XXXX for {$10000.00} ; from : confirmation XXXX ( XXXX XXXX acct XXXX ). This was not reported on my balance. There are many XXXX refunds totaling $ XXXX. Also, a refund from XXXX, for {$3200.00}. I have confirmation of these refunds but, they were not reported. There were incorrect charges on my recent travels, totaling $ XXXX. Covid rules, caused my trip to be stopped during a layover. I had to cancel unused trip expenses, because my airline would not allow my flight, due to Covid restrictions. 
There have been unauthorized charges of ; fees, after service ; amounting in $ XXXX dollars. This has happened while I have been travelling. Inaccurate balance notifications, during my trip has caused distress.. 

After, I reported these errors and cancellations to Wells Fargo, they advised that they will be closing my account. Please insure my deposits. I had {$50000.00} in my account in XX/XX/2020. I am always aware of my actual bank balance. I do not spend more than I have accounted. 

My Wells Fargo account number is : ( routing XXXX ; account XXXX ) Thank You, 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 2018-02-09
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
OnXX/XX/XXXX Navient started to harass several of my family members by phone in an attempt to get ahold of me. One of my family members stated she got 10 calls from Navient just one XX/XX/. I got reports from 4 additional family members who also repeated got multiple harassing phone calls. I never gave out these family members numbers or gave Navient permission to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have sent numerous disputer letters to XXXX, TransUnion, and XXXX to remove all inaccurate information like wrong name, wrong address, inquiries, accounts and public records. 
My name : XXXX XXXX XXXX XXXX address : XXXX XXXX XXXX. XXXX, TX XXXX My DOB : XX/XX/XXXX Last 4:XXXX XX/XX/XXXX XXXX US BANKRUPTCY COURT-FORT WORTH XX/XX/XXXX XXXX US BANKRUPTCY COURT-FORT WORTH

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 2020-01-24
Company: EQUIFAX, INC.
State: TN
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:
I sent a notarized document and a copy of my social security card and ID both which are federal and state identification to Equifax and received a response stating I didn't provide ID or my address. With the notary itself, I was required to have ID just to get it signed and stamped at my bank. I believe this is a stall to delay them from reviewing my request. I am sure I am not the only one this has happened to before.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: Experian Information Solutions 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:
An account has been re-inserted to my credit file after it was removed. The bureaus are also still reporting a public record which is out of date and inaccurate.These items are to be updated every 90 days with the courts. XXXX XXXX as well as Experian continue to report a bankruptcy in my previous name.

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 2020-05-14
Company: Experian Information Solutions 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:
I have some new inquiries that I did not authorized and would like them removed. 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 2019-10-22
Company: Experian Information Solutions Inc.
State: MD
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:
I received an alert from Experian, which stated that my FICO had dropped 25 points. I have been a victim of ID theft, so am very conscious of any changes. I was able to review the latest report, which shows no changes. I called x4 to talk to someone about what the drop is based on without luck. There seems to be no way to access an individual and the telephone prompts do not cover this problem.

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 2020-01-24
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received information from a recent update on my credit report of I C SYSTEM placing an unknown collection account on my credit file, to collect an alleged debt that I know nothing about or was made attempted about.

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 2020-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
the company reported information that was not accurate or mine and after several time of disputing this information still on credit report also some of these disputes were in review for over 90 months

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 2020-01-24
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
After filling bk BSI took over our loan in XX/XX/2018. They have never sent any statements. I've asked 5 times. They are now saying we are {$7000.00}. Late we gave our lawyer cancelled checks to show we are not. BSI is not threatening to foreclosure on our home, we've been in our house for 20+ years. They violated truth is lending, fair business act. Will not respond to my concern. I'm trying to refinance. I'm XXXX my spouse XXXX XXXX  XXXX  from XXXX XXXX XXXX  XXXX  also XXXX XXXX XXXX. Help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent a letter to XXXX, XXXX  and TransUnion on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 5 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 150 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.

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 2021-01-30
Company: EQUIFAX, INC.
State: VI
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:
I had a loan with XXXX XXXX, XXXX XXXX which was opened on XXXX of XX/XX/XXXX and closed on XXXX. I had written the bank a letter as I was instructed to do by a bank officer, informing them that I was going to be admitted to the hospital in XXXX thru XXXX of XXXX to begin a operation on XXXX XXXX then the second one will be done on may thru XXXX of XXXX. I felt that the bank would had honored their commitment since that they were informed in writing but to my surprise I was sadly mistaken that the missed payments show up on my credit report for the times that I was hospitalized. I have been asking the bank to be responsible and correct the mistake or have it remove from my credit report altogether but instead they removed the account with the perfect payment history and left the derivative one that they should have fixed. I am very sad and heartbroken that a banking institution of this magnitude would not do what is right. I am hereby asking the bank to correct its mistake so that I can move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
i recently pulled my credit report and noticed several accounts that were listed on my report that i did not authorize or give my permission to be opened. I am a victim of identity theft and I need these accounts and information removed from my report immediately

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