BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 SECOND DISPUTE LETTER and the accounts listed below are still reportinginaccurately on my credit report and it is in violation of The Federal Law. You are requiredunder the FCRA to have a copy of the original creditors documentation on file to verify thatthis information is mine and is correct. I have also submitted an FTC and CFPB You haveNOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information whichcannot be verified or reported inaccurately. The law is noticeably clear as to the Civilliability and the remedy available to me for negligent noncompliance ( Section 617 ) if youfail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matterto enforce my rights under the FCRA I demand the following accounts be verified ordeleted immediately : 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 2021-10-13
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
XXXX XXXX XXXX, AMEX Bluebird ELDER FINANCIAL ABUSE- FINANCIAL EXPLOITATION- Grand Theft REF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XX/XX/XXXX Your Account is Locked ELDER FINANCIAL ABUSE : FINANCIAL EXPLOITATION XXXX XXXX XXXX XXXX, XXXX  XXXX American Female, Card ending in XXXX. Amex Delay Dirty Tricks most common delaying tactics is by avoiding service and hold hostage finance over {$1000.00} ( Elderly Grand Theft Abuse ) THAT HAS NOTHING TO DO WITH disputed {$85.00} XXXX XXXX XXXX  FRAUD/SCAM ( XXXX XXXX Files Consumer Fraud Lawsuit Against XXXX XXXX XXXX ) CFPB Complaint filed # XXXX has been file for suspending the account and a legitimate XXXX XXXX XXXX  {$85.00} FRAUD transaction. THIS COMPLAINT IS ELDER FINANCIAL ABUSE- FINANCIAL EXPLOITATION. Since XX/XX/XXXX, I have appeal to XXXX and XXXX, I even call AND MAIL SENT COMPLAINT TO XXXX XXXX NY corporate office- AS OF TODAY ALMOST 10 DAYS LATER-NOTHING! the rude response of " delay '' continues. This is MY MONEY AND I HAVE Medical Bills to take care of as well as prescription. This IS UNDUE HARDSHIP. If the account is suspended and today " LOCK '' - the balance is MORE THAN {$85.00}! So, Bluebird by American Express has garnished the remainder BALANCE amount over {$1000.00} - GRAND THEFT - IN NEVADA THAT'S DOUBLE THE PENALTY FOR CRIMES AGAINST THOSE OVER XXXX OF AGE! I will indeed file a complaint with Nevada Attorney General XXXX XXXX. Nevada values their Older Americans- NOT BLUEBIRD BY AMERICAN EXPRESS aka XXXX aka undercover boss XXXX It DOES NOT TAKE OVER 7 DAYS TO REFUND A PERSON MONEY DUE - if AMEX Bluebird want to keep the {$85.00} until investigation completed -SO BE IT- BUT THE OVER OVER {$1000.00} GRAND THEFT HAS BEEN STOLEN AND NO SIGN OF REFUNDING THE AMOUNT! It just a prepaid debit card - dime a dozen. I had this debit card for at least 8 years plus- RUDE CUSTOMER SERVICE IS NOT A CRIME BUT FALSE ADVERTISEMENT-GRAND THEFT XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS A CRIME! Ask Attorney General XXXX XXXX XXXX. See Attachment of delay investigation and DELAY GIVING ME MONEY THAT BELONGS TO ME emails from XXXX XXXX, American Express Executive Assistant XXXX. NO EXCUSE EXCEPT BLUEBIRD BY AMERICAN EXPRESS THINK THEY ( XXXX XXXX XXXX ) ARE ABOVE THE LAW CFPB, Federal Trade Commission, Attorney Generals ( NV, NY ), XXXX and XXXX Fraud Hotline! True Elderly Hate Crimes!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-19
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I closed a credit card account some years ago and was paying down the total each month. While this was happening, the credit agencies kept my total percentage at 100 % each month no matter what the balance was compared to the total amount that was given to the card. This past XXXX, I paid off the remaining amount owed which was over XXXX dollars in one payment. This should have generated a positive increase in my credit scores, but instead it took a fairly good drop. So in essence I got penalized for having the debt on the card and then penalized again for paying it off. Something really need to be done to clean up these reporting agencies. With so many different companies and each with their own procedures to create a credit score, no one gets an honest report or score.

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 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 never missed a deadline on these accounts. I never miss a payment on a loan. This is a mistaken report, in my opinion. Please amend the report 's error and check the following account.

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 2019-10-17
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:
Earlier this year I found out that I was a victim of identity theft. I notified the authorities, the FTC, XXXX, XXXX, Experian and also filed a claim with the CFPB in reference to the fraudulent accounts that had been applied for and reported to my credit profile. I have recently noticed additonal accounts that have been fraudulently applied for and that are reporting to my credit profile. I have also noticed additional attempts to obtain fraudulent accounts in the form of credit inquiries on my credit profile. I am extremely discouraged by this situation and feel helpless because some criminal has access to my personal information and at any time can use it to commit criminal activity. This activity has caused me anguish and torment, knowing that no matter the efforts I put into remedying this situation it can all be wiped away with another additional fraudulent act by this criminal.

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 2017-07-09
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
For the past 5 years I have had difficulties making payments. Yet the Navient n XXXX XXXX reps I always spoke too basically have been telling me that since I get food stamps n cant afford to pay to just keep putting my loans in deferment and/or foreberance until I get back on my feet. I have BEGGED THEM TO PUT ME ON A PROGRAM BASED OFF THE XXXX/MTH i get bt they have told me SEVERAL times A MINORITY and that forebearance n deferment IS ALL THEY HAVE FOR ME unless I win the LOTTERY and pay them ALL that I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Tona Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My husband and I applied for a refinance of of home and it has been a nightmare with the company called The Lender. Every item they requested we submitted and then they came back saying not right and wanted other documents. We started in XXXX and finally they sent a notary to close on the XXXX of XXXX. Unbelievable, the notary forgot to have us sign about XXXX pages and then the mortgage company said we didn't sign papers back in XXXX. So notary came to house again, to sign his missing pages and then we had to sign about XXXX pages and date the XXXX of XXXX. Plus they had sent the form for payment to be XX/XX/XXXX their error was supposed to be XX/XX/XXXX so had to resign that also. Her it is XX/XX/XXXX and we have not received our money. I did give them info to direct deposit and still no money. 
It has been a nightmare working with The Lender. So since they have not full filled contract and give us the money on the first of XXXX as stated in contact do we have any recourse? supposedly looking into what happened to money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09
Company: CITIBANK, N.A.
State: VA
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:
On XX/XX/XXXX I walked into the only Best Buy that is located in XXXX, VA. I was interested in buying a music deck for my new car, so a tall XXXX male who 's name I do not remember helped me. After he helped me, he suggested that I put my music deck purchase on their Best Buy card, because they offer 0 % interest on the card. I made sure before I took another step forward that I did my due diligence to acquire all information that pertained to the card. I asked the young man did this card require pulling up my credit score, and he replied " yes. '' I then proceeded to ask him if this would be a " soft '' inquiry/pull, or a " hard '' inquiry/pull to my credit. Without hesitation, the young man told me that it would only be a quick soft pull to my credit. Since I take my credit score very seriously, I asked him one more time to be sure, and he still replied " yes, this is only going to be a soft pull to your credit. '' After checking my credit report on XX/XX/XXXX, I noticed that ( Citibank Na., Best B ) placed a hard inquiry on my credit from XX/XX/XXXX, and the purchases I made in best buy that day showed up on XX/XX/XXXX with my XXXX XXXX XXXX credit card. I feel betrayed, because I was given false/wrongful information with the utmost confidence from an employee at Best Buy, and his confidence in what he was doing allowed me to trust him. If he was not sure of what type of pull the company would have done, then he should have gotten someone who could answer that question instead of telling me incorrect information. <P/>Best Buy Address : XXXX VA ( Store XXXX ) XXXX XXXX XXXX XXXX, VA 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 2017-11-14
Company: Convergent Resources, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX XXXX 2014 I was living with my cousin at the time and she got some cable. I didnt know she used my information to get the cable. Now a collection agency is asking for money from me that I dont even owe. They told me to call all these numbers but every number I called sent me to someone else and I got the runaway. I want to know what I need to do to get this taken care of.

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 2017-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
After several attempts of trying to dispute old and inaccurate addresses that are still on my credit report that needs to be removed that is still reporting.

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 2019-08-03
Company: Experian Information Solutions Inc.
State: OH
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:
Spoke with Mr XXXX today from Experian. Contact XXXX XXXX XXXX I stated I would about account. 
After careful investigation Ive discovered XXXX not only refusing to provide a payout certificate they were fraudulent posting payments to reage Credit date from last payment date of XX/XX/XXXX to XX/XX/XXXX. As you can see this blatant disregarding of any working relationship You have with XXXX and a criminal not civil act. 
Im asking for immediate deletion internally because in blatant reage of credit Ive provide copies of claims below thanks Ps should be 3 attachements

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 2020-09-24
Company: CITIBANK, N.A.
State: KS
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I was having issues accessing my account so I reached out to Citi Bank only to be informed that my account was pending closure, I had not received any notice of this and they gave me conflicting reasons every time I contacted them as to why the account was being closed. Citi bank then closed the account on XX/XX/2020, a check in the amount of {$1600.00} was to be mailed and received by XX/XX/2020 at the latest per Citi Bank. Money has not been received as of XX/XX/2020. Multiple calls have been made to Citi Bank on the following dates : XX/XX/2020, XX/XX/2020, XXXX, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020. On numerous occasions Citi Bank stated they would escalate the situation, they would overnight the check, they would transfer the funds to the other Savings account I hold with them. None of this has happened even after speaking with several supervisors.

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 2017-07-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have filed a dispute with all three credit bureaus in regards to Portfolio Recovery Solutions listing a debt on my credit report that has not been validated. I have not received any services from this debtor and there is no signed or verbal contract between them and I. This company has continued to list this debt on my credit report without providing me the requested information to validate this debt or their legal authorization to list a debt on my credit report. I never had an account with this creditor and I do not owe this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-17
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A false collection was listed on my credit report for XXXX XXXX, however I have never had any business with this company. I had made four attempts to contact the collection agency and I was hung up on once, and then told to email my dispute and that they would get back to me, however no one has responded. The collector is Pro Collect and the email address I was given is XXXX. 

In addition, I have never received anything via mail or otherwise saying that this account existed and that there were attempts to collect. This is false.

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 2021-10-13
Company: Experian Information Solutions Inc.
State: VA
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 is no longer my lender for these loans they fraudulently reported my loan was delinquent which it is not. The bank committed fraud by reversing my payments after being told I was refinancing the car loan in an effort to commit fcra fraud for the loan It is under investigation by the ncua The credit bereaus were told of this and that the reporting is inaccurate and they did not correct the 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 2017-07-09
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
As ofXX/XX/XXXX Hyundai Finance is reporting a negative credit reporting to the OPM XXXX-XXXX Credit Report and Monitoring that payment is pass due in the amount of {$890.00}, Ref [ Case number : XXXX ]. I have not received any billing in the U.S. Mail or Email for the pass due amount and not a response to my last submission referring to the Hyundai Car Registration Payment and the Early Termination Fee ; which was not a bill. Hyundai Finance first stated that payment was made in full, no payment was due, not even the early termination fee. [ Case number : XXXX ] reference that XXXX XXXX XXXX did not make the full payment as first reported and now request that I make the payment as disputed, which was confirmed again the payment was made in full. I noted that there was a disputed within the XXXX XXXX XXXX XXXX regarding the Trade-in which I received a letter from XXXX XXXX XXXX asking that I return XXXX XXXX because finance was not approved as of XX/XX/XXXX. I received the certified return receipt notice dated XX/XX/XXXX in my mail box 15 days after the date of the letter along with several Letters regarding denied finance for the XXXX XXXX. When I did bring the XXXX XXXX to turn it in, XXXX had agreed to Finance the Auto.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX marked XXXX XXXX verified during last dispute. 
Requested a copy of the contract to only discover as I already knew thats not my signature as Ive reported to XXXX multiple times Ive never signed a loan document with your company. Ive attached my New Cdl and my Social Security card as proof thats not my signature. Requesting immediate deletion of account do to not legally owning this debt Ive provided 3 attachments 1. XXXX Truth in lending 2. Cdl 3. Social Security Ive block out my vital information to protect me from scams and further identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
In XX/XX/XXXX Transunion had deleted several inquiries from my credit report. I have now come to find out upon reviewing my Transunion credit report that the same inquiries that had been deleted have all been reinserted without any notification. Upon further looking into this matter it us my understanding that they did not legally add those inquiries back on. Section 611 under the fair credit reporting act states that anything deleted from my credit report and then reinserted must be notified within 5 days after such action is taken. I never received anything. I have called them and have been told that they can not help me and was told that it was a system error on their part but that it is now fixed. It is my understanding that Transunion did not go about this the legal way which is why I am now submitting this complaint. Please the list below of the inquiries that had been deleted and then added back on. XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2017-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
1 ) Notice of foreclosure from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX states the Creditor to whom the debt is owed as Bank of America, N.A. s/b/m/ to BAC Home Loans Servicing. ( enclosed ) 2 ) The true secured creditor was revealed by BAC as being XXXX XXXX XXXX XXXX XXXX, based on a qualified written request. ( enclosed ) 3 ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) became the secured creditor and owner on XX/XX/XXXX. This fact was confirmed by both XXXX XXXX and by a Declaration and Affidavit of an expert witness. ( enclosed ) 4 ) We recently received Notice of sale for XX/XX/XXXX from XXXX XXXX XXXX on behalf of Bank of America. ( enclosed ) The action against us was initiated in XX/XX/XXXX on behalf of BAC Home Loans Servicing as Owner of Note as shown in the letter from XXXX XXXX XXXX XXXX, XXXX. Clearly XXXX XXXX XXXX XXXX XXXX has been the owner of the Note since XX/XX/XXXX. This home was erroneously foreclosed by the improper party.

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