BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/XXXX I called Transunion to lift my security freeze. While doing so the representative who was not that proficient in talking English proceeded to think that I wanted to sign up for some service that they offered. After quizzing me intensely about my identity he asked for my credit card to verify my i.d . Only later did I find out that they had used that credit card to charge me for a monthly service that I did not ask for or need. I have proceeded to contact them to cancel my subscription ( on XX/XX/XXXX ) In the meantime they are charging me for the month that I asked for the unfreeze of my credit ( XXXX ) and the next month ( XXXX ) which hasn't started yet. I would like to get reimbursed for the money that they have collected without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-18
Company: Harpeth Financial Services, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from ADVANCE FINANCIAL saying they were going to take out {$280.00} from my checking account on XXXX/XXXX/XXXX. On Saturday, XXXX/XXXX/XXXX, I called them ( they are open XXXX ) and told them I could not afford that amount coming out. I told them that I could pay {$25.00} the following Monday, XXXX/XXXX/XXXX. The representative ( I did n't get her name XXXX agreed to the arrangement. On Monday the XXXX, I found that {$290.00} had been drafted from my account. I called Advance Financial again to find out if they took it. The representative that I spoke to ( did n't get her name either ) said that they had not yet taken anything out of my account and confirmed the earlier arrangement. I then went to my bank to find out who took it out. They said it was Advance Financial. I then called Advance Financial again and got a male representative. He said that the draft was put in motion on the XXXX, which was why it was n't stopped by the arrangement on the XXXX. I then asked him why I was told by a representative earlier in the day that they had not yet taken anything out. He said he did n't know because my account showed that I called earlier in the day, but not what was discussed. 1 ) The rep I spoke to on Saturday XXXX XXXX ) did n't tell me this transaction was pre-arranged, already in motion and would n't be stopped or changed no matter what I did. 2 ) The rep I spoke to today XXXX XXXX ) LIED to me when she said that they had not taken anything out of my account today. Now I have to borrow money from yet another company to cover outstanding checks and debits in order to prevent them from bouncing, thereby causing overdraft fees, thereby causing even more debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
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 fraud alerts or security freezes

Complaint:
I was trying to refinance my mortgage and found a credit hold not authorized by myself on my credit report. I tried to call Transunion but they will not take a phone call and I could not navigate their website. They need to have a life person to fix a problem that they caused since I never authorized a freeze on 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 2019-03-05
Company: Penn Credit Corporation
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: Account status incorrect

Complaint:
I checked my credit report and saw an account from XXXX XXXX for {$650.00}, original creditor is City of XXXX XXXX. XXXX XXXX reviewed and investigated the complaint. Someone named XXXX XXXX replied and I sent him an email at XXXX. I paid the original creditor and expect this account to be deleted from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
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:
I've been trying to get XXXX and TransUnion to remove this account on my credit report that's not mine. Please assist me, thank you.

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 2018-05-05
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 have submitted a 605b fraud affidavit for these inquires on my credit report Inquirer Name Inquiry Date Removal Date Business Type Contact Information XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Complete Department Stores XXXX XXXX  XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Mortgage Reporters XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Mortgage Reporters XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bulk Purchase Finance XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Complete Department Stores XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Federal Government XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2019-11-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report which also prompted me to contact the police and ftc. These items need to be deleted from my credit report. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX

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 2021-01-23
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A ACCOUNT WAS OPENED IN MY NAME FRAUDLENTLY. I HAVE NEVER OPENED AN ACCOUNT FROM XXXX XXXX XXXX XXXX. I HAVE TRIED TO COMMUNICATE THIS WITH THIS COMPANY SEVERAL TIMES AND HAVE BEEN IGNORED.

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 2023-01-06
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$49000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$47000.00}. 

According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

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 2017-12-20
Company: AFNI INC.
State: CA
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:
It came to attention that AFNI, INC reported in my credit report without authorization and consent that I owed {$600.00} with an account number XXXX on XX/XX/2017. I do not owe this alleged debt and have no knowledge and there is no contract exist between the consumer and AFNI, INC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This problem is with a Citi Rewards card. Since XX/XX/2020 I - like many other people - have been experiencing problems with both receiving & sending mail. My credit card from Citi Rewards has been arriving late. As soon as I receive it, I immediately call Citi Rewards to inform them of the late delivery - write a check & send it in. OK - I've done my part - however Citi Rewards doesn't see it that way & they cut me off saying I hadn't paid. Not true - I sent a check to them over 2 weeks ago & it is delayed in the mail. I have a good credit history & payment history - but this virus has thrown everything out of order. I want Citi Rewards to rescind fees to at least all of us who are good customers & reinstate my account. I see no reason for Citi Rewards to withhold service given the situation we are all in. I am not the only 1 - I've heard from friends & neighbors being in the same situation. This is not the time for credit card companies to be gouging us w/extra fees when the situation is beyond the consumer control.

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 2023-08-04
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Multiple requests for a home modification were submitted to Wells Fargo, XXXX from XX/XX/2023 to XX/XX/2023 to no avail. I was pre-approved for the {$95000.00} assistance at the XXXX XXXX XXXX XXXX Assistance Fund ( XXXX ) to reduce the outstanding balance and approved the modification request. Each loan modification request was submitted via a representative of the XXXX XXXX XXXX and myself. Unfortunately, upon acknowledging receipt of each modification, Wells Fargo, XXXX would request the same documents previously acknowledged as received, which is a stall tactic. 

Wells Fargo, XXXX, is not the loan originator. Several months after closing on the domicile, it was sold to Wells Fargo, XXXX. The property was also purchased while on XXXX XXXX and is protected under the Servicemembers Civil Rights Relief Act ( SCRA ), which Wells Fargo, NA, refuses to acknowledge.

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 2018-05-05
Company: Southwest Credit Systems, L.P.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt collection was opened XX/XX/2016 for the amount of {$140.00}. This account opened without my permission with my personal information. I did dispute on my own and Account is now showing closed. 

I am not responsible for this account and should not have to be effected for the negative impact on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
Company: CCS Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Account was last reported XX/XX/2015 from XXXX XXXX for the amount of {$270.00}. I never received notice to dispute debt. I have lived at the same address for the last 4 years and havent received any notification, I should not be held accountable for debt that I was uninformed on or given a fair opportunity. I have attempted to dispute on my own through the bureaus but have not been given a resolution.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: Real Time Group, Inc.
State: UT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is a follow up complain on an continuing problem ; prior complain into is .... 
Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX I again just received more questionable paperwork from RealTime Resolutions ; they just keep coming up with them but when my Attorney contacted them back in XXXX they didn't respond at all with any paperwork! But, again, as I will swear to again, I have never seen this paperwork nor signed any such authorization. This was a HELOC attached on back of a XXXX XXXX  from XXXX and we all know what happened to them and the mess that created!?! These HELOC 's were stated to have been Illegal and Preditory by the State Department but mine was hidden from the portfolios that XXXX XXXX XXXX provided to the State Department in that it was assigned to ReatTime Resolutions, a Collection Agent for XXXX and so I did not get a required letter from XXXX forgiving mine but it was just like all the other of XXXX and one that I never saw the Loan Documents for and therefore was never provided my Legal Rights of Refusal ; the document in the attachment to this report is dated XX/XX/XXXX and I never saw the first page of these loans until XXXX of XXXX ; as documented in my attached letter to XXXX dated XX/XX/XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
In XX/XX/XXXX, I applied for a Capital One secured MasterCard and because it was secured, I had to deposit {$250.00}. The card was approved and few days after I applied, they took the {$250.00} money out of my account. I waited for the credit card to arrive in the mail and to this day, I have still not received the credit card. I am at my wit 's end and do not know how to get my money refunded. I have tried countless of times to resolve the issue with Capital One. I have called them and addressed them, they have asked me to identify myself and each time, it could not be done because their system is faulty. The last time I talked to them about sending me the credit card or a refund, they promised they would send me the card. I still don't have the Capital One credit card and they seem intent on fraudulently keeping my {$250.00}. That kind of practice seems unethical and I want either a card or a refund. I have proof that they charged me and I also have proof that I never received a card from them or at least never used it. I have put effort on my end to try to resolve the problem and they have done nothing for me every single time I contacted them. We're in XX/XX/XXXX and I applied for this Capital One secured credit card a year and about 7 months ago in XX/XX/XXXX and I hope to see a resolution soon.Thank you! 

Additional Info : While writing this complaint, I went and dug a bit on my credit history that is still fairly inaccessible since my history is fairly new and found out that Capital One closed this card themselves yet I never received a refund for the card I never got to use.Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: United Shore Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to the pandemic i Lost My job and asked the bank that owns the morgatge to help me.the help began around XXXX .they always told me that the amound would be put at the end of the loan .so i accepted because i could not pay and at the same time calm down because i always thought they would add it to the end of the loan.i was without paying My loan for around a year because My situacin was dificultd.as a result of COVID 19 And My Bad economy.it was not possible for me to pay for My house as before... Now they tell me that i owe an amount of almost XXXX dollars.and that i have to pay .i applyed for a partial claim but i had to pay almost XXXX for be accept it and i didnt have that amount. Now i applyed for a modifications but they Say they may not accept it.they lied to me.when they told me they could do it for me in the end.i can pay My loan but the normal monthly payments not that amount.i feel cheated and very worried.i don't want to lose My house.i need advice and help. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Since XX/XX/XXXX, I have had four fraudulent attempts to open a Chase/XXXX XXXX Credit Card in my name. They use all the correct information except for my correct current mailing address. They keep using my parents home address. But as of XX/XX/XXXX, the fraudulent have been able to open a credit card in my name and went through this time ( not denied ). I called on Saturday, XX/XX/XXXX as soon as I found out when I received an email regarding a change in my credit report. I notified XXXX and they closed the account. They have known about these issues but yet it keeps happening every month. I have filed police reports as well as FTC Identity Theft Report with them and this still seems to keep occurring. I also have XXXX on my accounts, and fraud protection through the credit bureaus but nothing is stopping this. I am beyond frustrated and since I already have this card, I do not understand how this was able to go through and this person be able to open this card on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-06
Company: EQUIFAX, INC.
State: CA
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:
Contacted FICO/XXXX/Equifax numerous times without a response. My FICO score dropped 100 points in one month with ZERO changes from prior months. To be clear no new debt no new loans no late payments and no new credit inquiries. 

This is happening across the board with many individuals. This can not continue to happen and will only stop when accountability is put into place. 

BTW ... When did the consumer become so helpless? 

This happened XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: National Credit Adjusters, LLC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX is ssn XXXX XXXX this XXXX XXXX is with national credit adjusters was discharged in chapter XXXX in bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: Experian Information Solutions Inc.
State: GA
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 credit report shows 8 late payments after i checked my most recent report. I contacted the company to ask for verification of the late payments stated on my report but i have not received a response in regards to my disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: FL
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:
Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate information and delete all unauthorized inquiries

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