BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. U.S. Bankruptcy Court Reference # : XXXX Date Filed/Reported : XX/XX/2013 Asset Amount : {$0.00} and US BKPT CT XXXX XXXX XXXX XXXX XXXX : XXXX Date Filed/Reported : XX/XX/2013 Asset Amount : {$0.00}.

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
Consumer complaint received 2018-04-15
Company: CL Holdings LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
i disputed this account over 2 years ago with XXXX ask them to validate this debt they where unable to and removed it from credit reports, Now a collection company name XXXX XXXX XXXX, just placed a collection account on my credit reports, have not received any notice from them and giving me the right to dispute this debt, i dont owe XXXX any money nor have an account with XXXX. 
I AM now asking that XXXX XXXX to provide me a contract with my signature and the amount they have reported to the credit bureaus with out notice to me, an itemized statement from XXXX or XXXX does not represent verification under FTC Opinion letter : ive lived here over to years so my address is known. 
upon the results will determine if i file civil suite against this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I opened a credit card account with HSBC Orchard Bank on XX/XX/XXXX as a secured credit card, I closed the account not long afterwards, HSBC Orchard bank has kept piling on interest and late payment charges until XX/XX/XXXX when Orchard bank was closed and obtained by Capital One. Now a collection agency is now after me to pay this " debt '' which I feel is completely fraudulent. 
The amount of penalties is {$2800.00} which now will affect my credit, so I am being held XXXX buy this collection agency for this amount. Now a woman calls me last week wanting to settle the debt for XXXX dollars. Again another woman calls me today wanting me to settle the debt with a " Covid-19 Special '' for 75 % off to the amount of {$710.00}. I will not pay a dime for this kind of harassment over a card account that I closed years ago. 
Now HSBC Orchard bank is shut down and was sold or card accounts were acquired by Capital One Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Amex and XXXX XXXX XXXX The Account Opened is Amex Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$5200.00}. The Account Opened is Amex Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$100.00}. The Account Opened is XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$5300.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper /Nationstar Mortgage add mortgage insurance in mid 2020 when no insurance was necessary. I called and no one could explain why it was added. A review was initiated and after several months the insurance was removed. I continued paying the mortgage amount minus the mortgage insurance. I was not aware that they were considering the payment as not paid in full. We just finished a Chapter XXXX bankruptcy in XXXX and I started looking into refinancing. This is when we found out the mortgage was considered late/not paid in full. I called and was told the only way to stop it being considered not late was to pay the overdue balance which I did in the amount of {$500.00} plus, which should have been removed since mortgage insurance was not required. Still waiting to hear back from claim we submitted to get that money back. Now Nationstar has added additional fees to the mortgage that my bankruptcy attorney is working on but it is holding up our discharge in addition to my refinance because I can't the document needed stating payments have been on time and never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: Self Lender Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
XXXX XXXX keeps on report to the credit bureau negative information about me. I did contact them twice, they're referring me to another company name : self lender. In wich they have provided me with a phone number XXXX However, when ever I try to reach them, they never picked up the call. I need your help. I don't have much credit, now it getting worse, because of those people who did offer me a service, then you can't declined it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: TCF NATIONAL BANK
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Beginning Balance {$320.00} on XXXX XXXX a online payment to credit card {$78.00} and a Check # XXXX {$240.00} Total {$310.00} Both on XXXX XXXX Funds {$320.00} is Enough to cover. 

On XXXX XXXX in Branch/Lobby personal visit to Deposit with Cash withdrawal of Government Stimulus check receipt enclosed. Bank teller Did not inform me that a cash withdrawal from deposit of stimulus check " could not happen/able only a deposit '' at this time '' Teller responsibility/job duties when " depositing check '' and/or in Customer account/management. 

On XX/XX/XXXX Same day ( deposit and cash withdrawal ) FEE '' S 4x happened : " Force post Debit - {$37.00} times Three ( 3 ) and another FEE for " return check '' {$37.00} TOTAL {$140.00}. 

On XXXX XXXX *Over Draft fee refund " {$74.00} see email dated XXXX XXXX @ XXXX after speaking to Customer service XXXX XXXX she said ( recorded message/phone call that she is only able to credit TWO Fee 's -other TWO fee's- would have to be done by personal visit to Branch Visit assist manager XXXX could only do /access one credit of Two/ '' tools not able computer '' - I asked to have XXXX XXXX phoned XXXX about issue- again only access credit one- I called my XXXX to TCF customer service unable to reach XXXX and phone call hung up upon, Next day called again customer service " chat with XXXX '' with employee says again credit and Nothing happened to credit my account of the Two remaining charges of Fee 's to my account- this/was a Recorded phone calls and TCF/XXXX bank are Denying '' what was said and refuse to correct the remaining fee 's. 

I have XXXX out of " overdraft fee 's and " returning a Check # XXXX and credit card payment ( overdraft charges *Are Not my mistakes nor are they " non sufficient funds available issue- These Fee 's Non allowable/fraudulent and misleading. I want other TWO Fee 's returned to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-31
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I logged into Transunion 's online dispute service to submit a new dispute. However, when I logged in I was taken to a page that only showed my old dispute. On this page, there is a sentence, " To submit a new investigation, click on the New Investigation link above. '' But there is no link above. I attempted to call their tech support number XXXX and was disconnected after approximately four minutes. I then called the general support number XXXX and was likewise disconnected after approximately four minutes. Transunion needs to either fix their website and phone numbers so that consumers can contact them and dispute erroneous information or be shut down by the Federal Government. I never authorized Transunion to hold my personal information in perpetuity. I have no privity of contract with them, and yet they lord this information over my head and do absolutely nothing to resolve discrepancies.

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 2018-04-15
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:
XXXX XXXX XXXX XX/XX/XXXX Letter Credit Bureau On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I mailed off certified letters to the following credit bureaus Experian, XXXX, XXXX. I noticed that it has been past 120 days and nothing has been resolved at this point Im still looking at errors on my report that your company havent removed. I am now sending my final letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that youre breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached photos of the inaccurate information that is listed on my credit file by your company. You have 72 hours to remove the following inaccurate errors. We are set for a hearing in XXXX FL for court located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX at XXXX XXXX on XX/XX/XXXX. Inaccurate address, inaccurate accounts, unauthorized inquiries. 
A : ERRORS INACCURATE ACCOUNTS 1. XXXX XXXX XX/XX/XXXX 2.  XXXX XXXX XX/XX/XXXX 3. XXXX XXXX 4. XXXX XXXX XX/XX/XXXX 5.  XXXX XXXX XXXX XXXX B : UNAUTHORIZED INQUIRIES 1. XXXX 2.  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 2022-12-18
Company: Mr. Cooper Group 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:
Creditor Name NATIONSTAR/MR COOPER Account number : XXXX I recently received a copy of my consumer report, and I noticed some late payments posted on my accounts. By law, pertaining to the CARES ACT, accommodations were made to my account and ive been current since, and late payments should have not been reported and is a clear violation to my rights as a CONSUMER. I have never missed a payment in the month of XX/XX/XXXX or any months AFTER. I have been affected by XXXX XXXX Please update the month of XX/XX/XXXX. PLEASE UPDATE to either ON TIME, NO DATA/DATA UNAVAILABLE, or DELETE ACCOUNT altogether : The following supporting documents are enclosed for your review : 5. CARES ACT 6. 15 USC 1666 ( BILLING ERROR ) 7. 15 USC 1681 C-1 8. 15 USC 1681 C-2

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
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:
I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX XXXX  appears on my report and I have requested this fraudulent account be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX This account is keeping me from buying a home and making it impossible to move forward with my life. 

XXXX XXXX XXXX- balance is showing as {$450.00}, dates open in XXXX closed XX/XX/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 2020-10-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$810.00}, {$0.00}, {$690.00}, {$590.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$810.00} -This is not my account. 

-- REAL ESTATE LOAN 2.  XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$690.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$590.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX I received an alert from XXXX indicating remarks updated on equifax credit report in regard to my XXXX Student account. This information keeps changing and as fast as my credit score increases immediately the information on my XXXX will change and now I've lost 25 points. These changes aren't being done by XXXX XXXX because I've called them and asked and they informed me because these accounts are included in Bankruptcy there is no reason for them to keep changing. They report it as included in bankruptcy and that is it. I've contacted my bankruptcy attorney as well and they said they dont have a reason or authority to add anything to my XXXX information. Lastly, I haven't nor do I have a reason to dispute this information because it is included in bankruptcy. Someone within the credit bureau keeps changing the remarks on these 9 accounts without me being the one initiating the changes. This will be the 3rd time information has changed on these 9 accounts that has caused my credit score to drop. This is wrong and when I call Equifax after speaking with XXXX XXXX and being instructed by the agent at XXXX XXXX to ask who initiated the dispute they could not provide me with that information. I want this to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In or about XX/XX/2019. The VA sent me ( I'm a XXXX veteran ) to XXXX XXXX XXXX in XXXX XXXX to get an X-ray. They sent me there because facilities at the VA Clinic in XXXX XXXX Florida were not available for the test at that particular time. 
I am eligible to have 100 % of my medical bills paid through the XXXX  and they intended to pay the bill for this service. 

Although I do not use Medicare, I have the regular 80 % coverage. I have it only as a back up plan and do not intend to use it as long as there is no problem using the XXXX  ( which is superior coverage ). 

When I did the intake at XXXX XXXX I informed them I was a XXXX Veteran gave them my paperwork from the VA and presented my VA ID. for them to receive payment. 

VERY IMPORTANT : I never told them that I have any Medicare coverage or that they should use medicare to pay this bill. The Hospital knows that my VA ID is the same as my Social Security Number. 
The next thing I found out after a couple of months was that XXXX XXXX XXXX XXXX, from XXXX XXXX XXXX had charged Medicare for the bill and had been paid except for the 20 % of the charge that is either paid by the patient or the patient 's supplemental insurance. 
Since this occurred I have been in contact with XXXXXXXX XXXX XXXX XXXX, the VA and the Collection Agency. Everyone agrees that the VA stood ready and willing to pay this bill but nothing happens and it appears as a {$180.00} collection on my credit report with XXXX, credit reporting agency. 

This is a error from XXXX XXXX XXXX XXXX. Professional Adjustment Corp ( collection agency ) is not presently dunning me but will not remove this item from my report. 

XXXX XXXX XXXX XXXX is either lazy or a little bit evil. I want this item removed from my credit report. It should not be there and I don't owe it. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: AMERICAN EXPRESS COMPANY
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: Information belongs to someone else

Complaint:
These accounts dont belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX  Account NumbeXXXX : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
ALL 3 CRA 's have not updated my balances for my XXXX account in months my balance is {$0.00} 's yet TRANSUNION XXXX AND XXXX  are still showing a balance of {$620.00}. XXXX has advised me to file a lawsuit against the 3 CRA 's because they have been doing the same thing to others with their updates also. AND PLEASE LET XXXX  KNOW MY CORRECT NAME IS XXXX XXXX XXXX not 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 2020-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
XX/XX/XXXX and XX/XX/XXXX inaccurate information reported 30 days late.

Company response to consumer: Closed with explanation