BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-14
Company: CREDIT BUREAU OF LEWISTON-CLARKSTON, INC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On or about XX/XX/2023 I received a notice for rent increase/failure to pay rent notice on my door, along with every other tenant. XXXX XXXX XXXX was in a transition period with management and staff. Upon receipt of the notice I reached out to XXXX, the interim manager, who explained the letter was incorrect and would be corrected. After two weeks of attempting to contact management or any staff with no call back or return email, I had no choice but to give my thirty day notice. Upon move out I paid rent and returned my keys to XXXX, a fellow resident who also was the interim maintenance person and XXXX XXXX XXXX. Using XXXX 's phone, we reached out to XXXX, whom stated the thirty day notice will be honored and my security deposit will be returned within thirty days of move-out. I woke up Sunday XX/XX/2023 to see that my credit had been hit with a collection, which I had no idea was outstanding or even owed. There has been no communication, breakdown of costs, explanation, invoice or evidence to prove this claim is legitimate. I have reached out to Credit Bureau of Lewiston to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2019-10-24
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: Account information incorrect

Complaint:
This account XXXX is being reported twice on XXXX  and Transunion as negative information. On XXXX specifically these are showing as a chargeoff from XXXX and an open installment account ( not collection account ) from XXXX XXXX XXXX. These accounts are also showing a huge discrepancy in the Date of Major Delinquency in violation of FCRA. I have disputed this information several times in the past and it has either been verified or updated. When requested method of verification it was not responded to. This has been removed from 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 2022-08-09
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: Information belongs to someone else

Complaint:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. TransUnion has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove the inquiry from my credit file. XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2017-09-19
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In the middle of dispute with Chase Auto Loan regarding unethical business practices with CFPB. They did not care to resolve-they disputed that the AUTHORIZED LOAN HOLDERS are not authorized parties so the CFPB closed my dispute. Chase did not like the response in regards to nickle and diming fees from customers so they responded to myself and my husband ( who are both signers on the loan they provided us ) are now unauthorized 3rd party. We are unauthorized, but they take our payments monthly. Do not trust Chase Bank/Auto Loan. Will not happen I am sure, but want it known that this company does not practice business ethically. I have offered to take half the responsibility for not checking that their payments that I am making are coming out of the right account, because I used to trust Chase would have told me by mail or better yet maybe on one of the multiple occassion 's that I have spoken to a representative at their company since. No one told me that my old account number was still saved and that they can not update my new bank information for me. The over seas customer service reps are not trained adequately, so they took my payment, but never told me of returned payments that I made because my bank account was never changed, nor updated on my profile. That is why I called them, I will take half the responsibility for trusting Chase would have done the right thing and let me know, but I should have know they are a corporation and would keep charging me fees instead of doing the right thing and letting me us know. This has been going on since XX/2016!  No one told me that when I gave them the new bank info that it would not save. I expressed the fact that I could not login and had to change my bank info, yet none of the overseas reps could understand that and just took my payment without stating that they could not save this info. I honestly do not care any longer if they remove the negative mark or not. Just want other consumers to know how Chase runs their business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: ERC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so, they didn't follow the proper five validation procedure which makes this an unfair practice. This needs to be looked into immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: NAVY FEDERAL CREDIT UNION
State: NC
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:
Navy Federal Credit Union has charged off the debt and continues to report the debt as past due ; even though they have claimed it as a loss on their taxes and received credit for the past due amount. I have disputed this several times and they refuse to remove the past due amount from reporting. They have even tried to increase the amount owed! I want the past due balance removed. Companies can not simply write off a debt and continue to try and collect it once they have received a credit for it. Therefore, they need to remove the past due amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: Agency of Credit Control
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a satisfaction of judgment that was filedXX/XX/XXXX by Agency of Credit Control XXXX XXXX for a paid medical debt. I checked my updated credit report in XXXX of XXXX and it shows that Agency of Credit Control XXXX XXXX re-listed the accounts satisfied in the judgment as paid closed collection accounts, and stated they were closed in XXXX of XXXX ... over a year after they were closed. This caused a 77-point drop in my credit score. I already received a negative hit to my score when I got the judgment. Essentially, I was unduly penalized twice for the same accounts ... once when I got a judgment against me, and again when they re-listed the accounts in XXXX of XXXX. I reached out to the agency, and they said they do not update these records, despite being the agency making the report to the credit bureaus. The representative also stated, despite the debt being paid in full, that " had the matter been resolved with the original creditor back in XXXX, none of this would be an issue now. '' What this person doesn't know, is that I attempted to resolve the debt with the original creditor. They did not wish to negotiate an affordable payment, would not accept my multiple offers for alternative arrangements, and filed a judgment in court. I was charged more than double what I originally owed in medical debt to satisfy attorney and court filing fees for this agency. I have submitted a copy of the satisfaction of judgment, copy of the original court summons, a breakout of the amounts originally owed according to agency of Credit Control, email quoting the amount of my last payment to them with a receipt showing my final payment made, and my email communications with the XXXX regarding the re-listed accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Experian Information Solutions Inc.
State: DC
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:
2. I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX XXXX XXXX XXXX XXXX 01 XXXX XXXX 01 XXXX XXXX XXXX XXXX 01 XXXX XXXX XXXX 08 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company Inquiries : 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 explanation
Consumer complaint received 2020-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
2. I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX XXXX XXXX XXXX XXXX 01 XXXX XXXX 01 XXXX XXXX XXXX XXXX 01 XXXX XXXX XXXX 08 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company Inquiries : 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 explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2020-11-26
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2014 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I opened an account online and made an initial deposit of {$100.00}. I got confirmation emails and an email that my card was on it's way so I set up my paycheck to go in there as of this morning. However on XXXX when I attempted to log in online and failed I called Cust. Service and was transferred to fraud who explained they just needed to verify my identity in the branch with two forms of ID. I went into the branch and they told me my acct. was closed but I could open a new one. I told them I needed the first one opened because that was where my direct deposit had gone. They called their retail helpline and were told all I could do was open a new account. the retail help agent was rude and inappropriate, telling me I was lying about the {$100.00} deposit ( it posted to my other checking account on XX/XX/XXXX). I started crying at that point so I took my ID and went to the parking lot to try with customer service again. I spent over an hour on the phone explaining I needed that money for groceries and to pay my mortgage and no one could do anything but offer me a new account. No one can tell me why it was closed AFTER I called and was told I was fine ( one agent informed this was the timeframe ) I'm not sure why you guys thought I'd stay with you. with God as my witness I will never do business with your crooked company again and I will do everything in my power to make sure everyone I know doesn't either, everytime in the next two weeks I have to tell my family I can't afford something I'm going to tag you on XXXX and XXXX with the story of how you treated me.

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 2019-03-08
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: Charged too much interest

Complaint:
Good Morning I have XXXX preferred master card Last XX/XX/XXXX They sent me promotional offer of No interest Till XX/XX/XXXX and Then 10.9 % interest So my interest supposed to be charge if i do not pay off before XXXX XXXX XXXX But instead They started charging interest from the day i used the promotion I have spoke to Two different Representative one on XXXX to XXXX  and again XXXX to XXXX On XXXX when i came to know they charging interest I paid off whole balance in one payment immediately Even after paying off whole balance Following month they charging interest and i have Auto pay setup it's already paid Both time they said we will look into it and get back to you in Two Business Days I do not think they have any Interest to resolve This Last time i spoke on XXXX XXXX I have told them if we can not resolve i will have to file Complaint They just ignored i have not heard till XX/XX/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 monetary relief
Consumer complaint received 2022-04-30
Company: N.A.R., Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I do not know who this company is, weve received no correspondence from them. They contacted our neighbors to verify where we live. They obviously know where we live, so calling our neighbors and disclosing financial issues to them is harassing and meant to shame us. Ive tried calling them back multiple times but they do not answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
i got this divorce- and my name is on the title or deed but not the loan- i was awarded the home- and now all i am trying to do is- utilize the successor in interest due to divorce- however they will not let me do anything- they wont talk to me- the house was going into foreclosure- and i had to file a chapter XXXX to stop the foreclosure- now the borrower who is a veteran who has some serious XXXX XXXX XXXX issues- has purposely tried to foreclose on the property by engaging in a number of distributing tactics- he is obviously under some type of undue influence. he abandoned the property 3 years ago- and i maintained the property- until- he started with the help of bankruptcy and divorce attorneys- placing the housing in an unneeded chapter XXXX 3 years ago- when i was paying he note. all i want is to be able to secure a loan modification through my chapter XXXX and move on- and refinance- giving him any moneys that may be due him- however i dont think he is deserving-but i will let the court decide this.

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 2016-11-22
Company: U.S. BANCORP
State: CO
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I refinanced a mortgage through US Bank in XXXX 2015. In order to get a XXXX bps reduction in the rate I was told I needed to open a checking account in a branch. I went into the branch to open my account, and the girl opening the account offered me another credit card ( I already had XXXX from US Bank for several years ). I told her I was n't interested, and a week later I received a new credit card in the mail. After calling the branch manager to find out what happened, he said " she accidentally pushed the wrong button. '' XXXX it takes more than one button to open a credit card -- more like a few dozen. After assuring me that the card would be closed and it would not reflect on my credit bureau, it now shows that I opened a card and closed it the same month on my XXXX report. Fraudulent accounts being opened by bank employees is not just limited to XXXX XXXX -- they were just dumb enough to get caught.

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 2019-08-19
Company: Innovis
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:
I would like to request a security freeze placed on my Consumer Disclosure Report. I chooseto opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personalinformation. This security freeze request not only restricts credit bureaus and creditors, butalso future potential employers until I lift this restriction. Under the Fair Report Act, you arerequired to comply. My name is XXXX XXXX . My current and only address is XXXX XXXX   XXXX, XXXX, OH XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XX/XX/XXXXPlease remove the following telephone numbers 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) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX

Company response to consumer: Closed with explanation