BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-09
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: Account status incorrect

Complaint:
This mortgage was transferred from XXXX XXXX XXXX to XXXX XXXX  XXXX. I owed some fees of $ 700+. XXXX said I could pay it at any time so they did not report it with the regular payment but separate. XXXX has been reporting both together and and it shows on my credit report that I am past due when I am NOT. Thus hurting by credit score. 

I have paid the fees in full {$810.00} cancelled check attached. Also attached is cancelled check for XX/XX/2018 payment proving that I am fully current.

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 2017-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Verbal agreement with a third party debt collector ( XXXX XXXX XXXX ) to pay an account in full and they would remove it from my credit reports. I paid them in full ( {$190.00} ) on XX/XX/XXXX and after over a year the tradeline is still reporting on my TransUnion & XXXX  Reports. They have continually fought against removing the tradeline even though they originally agreed to do so. Disputes with all three credit bureaus led to only XXXX deleting the tradeline. I filed a complaint here with the CFPB and their response was " CFPB referred complaint to the Federal Trade Commission on XX/XX/XXXX. '' I have also informed XXXX XXXX XXXX, Tranunion, and XXXX that they are all in violation of Texas Finance Code Section 392 which states : ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state. 
( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter.
( c ) The bond must be in the amount of {$10000.00}. 

The TDCA applies not only to professional debt collectors, but also to any person who directly or indirectly engages in debt collection and includes a person who sells or offers to sell forms represented to be a collection system, device, or scheme intended to be used to collect consumer debts. TEX. FIN. CODE 392.001 ( 6 ), MEANING TRANSUNION & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed this debt XXXX 2016 and it was taken off my XXXX  credit report and now they put it back on my credit report without sending me a letter stating I owed the debt giving me the opportunity to reply. This is not a loan it is a pell grant that does n't have to be paid back.

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 2021-09-20
Company: PNC Bank N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
So I received a text message saying that it was from my back and they gave a number to call ( XXXX ) XXXX it said that it was the security company from my bank ( PNC ). The robot said that my card was locked so it asked for my 16 digit card number, the expiration date, the CVV number, it asked for my pin and my social security number as well. I gave all that out because it seemed like it was my bank in the text message but I ended the call once it asked for my birth date. I called my bank but they were unavailable to answer so I would have to wait for a working day to speak with someone. The number that texted was XXXX. 
This happened on XX/XX/2021 at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: Executive Credit Management, Inc
State: PA
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:
Spoken with XXXX from Executive Credit Management. Requested physical signature verification for a hard inquiry on credit report. XXXX replied, " information is shredded once denied ''. Informed XXXX, " resided at another resident ''. XXXX became hostile and stated information was shredded. Requesting a physical signature for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: CITIBANK, N.A.
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2017-11-17
Company: AmeriCollect
State: WI
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:
I am writing in regards to a notification I received today XXXX/XXXX/2017 on my credit reports. A collection was added to my reports and I want it removed immediately! The company is Americollect and the amount is for {$170.00}. I have never heard of this company and I do not owe them any money! I never received a dunning letter in the mail to dispute this matter. I want this inaccurate information removed from my credit reports immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: DISCOVER BANK
State: AL
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:
I have disputed an account on my credit report, Discover Financial with the credit bureaus. XXXX is reporting the account with a {$0.00} High balance, date of last activity XX/XX/2021, and no closing date. XXXX is showing {$1100.00} High balance, date of last activity XX/XX/2021, and no closing date. This is a true fact on inaccurate information and reaging of the account because there is not a true date the delinquency occurred. I have ask the credit bureaus to delete the account. 


Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Florida Department of Revenue is reporting two closed accounts on my Transunion credit report, one closed account on my XXXX  credit report and two closed accounts on my XXXX  credit file. These accounts are inaccurate, reporting inaccurate balances and inaccurate case statuses. I have made contact with Florida Department of Revenue on many occasions to request that this information is corrected. I have also disputed this information through the credit reporting agencies with no resolution only a return of information verified, but with no documentation provided to confirm the accuracy of the information provided.

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 2017-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
My Union Plus credit Card ( now under XXXX XXXX umbrella ) representatives have told me twice that I can not pay down my high interest ( Cash Adv 14.99 % ) until I pay down my low interest first ( 11.9 % ). They stated this with no unclear terms stating that this was the allocation method of my credit card. I recorded the second call in full to prove that they are misleading me and therefore other consumers. I have been paying other credit cards with lower interest rates first because of their misleading feedback. In this recorded call, the supervisor claims that this must be an " educational error '' and will address the managers. However, for 2 representatives to claim definitively that Iower rates must be paid first leads me to believe they are prompted by the company to mislead consumers so they continue to make maximum profits. The supervisor assured me that they were wrong and that any payment WILL AUTOMATICALLY be applied to my highest interest balances. I am going to make a payment above the minimum to verify that it does. If not, I will make a second complaint and escalate the problem as best I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: KeyBridge Medical Revenue Management
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2019 I called to make a good faith offer to bring the account current, but the agent refused and asked for a higher amount. I stated I could not afford the amount requested, but made another offer. Agent then began laughing at me and stated that they'd take me to court instead.

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 2018-03-16
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: Account status incorrect

Complaint:
Unfortunately, I had a financial crisis in 2016 which led to a vehicle repossession. Since that time, the finance company has continued to report that my loan is active and past due, despite the fact that they repossessed the vehicle nearly two years ago. Despite the fact that the account is closed, and no payments have been made since 2016, this finance company continues to report the account as active and past due.

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 2018-03-16
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Unfortunately, I had a financial crisis in XX/XX/2016 which led to a vehicle repossession. Since that time, the finance company has continued to report that my loan is active and past due, despite the fact that they repossessed the vehicle nearly two years ago. Despite the fact that the account is closed, and no payments have been made since XX/XX/2016, this finance company continues to report the account as active and past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Unfortunately, I had a financial crisis in 2016 which led to a vehicle repossession. Since that time, the finance company has continued to report that my loan is active and past due, despite the fact that they repossessed the vehicle nearly two years ago. Despite the fact that the account is closed, and no payments have been made since 2016, this finance company continues to report the account as active and past due.

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 2019-05-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
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:
Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States back on XXXX, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX  reports also i have already made report at XXXX 1. Hsbc Bank XXXX XXXX XX/XX/XXXX 2. Hsbc Bank Usa Na XX/XX/XXXX 1. Hsbc Bank Usa Na XX/XX/XXXX 2. Hsbc Bank Usa Na XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX. My wife is XXXX XXXX. We have a HELOC with Bank of America. They raised the amount to be paid on the loan by {$1000.00} a month to {$2400.00} a month. We 're trying to sell the home now. We submitted a qualified written request to Bank of America asking for load documents and appraisal documents on XX/XX/XXXX. We also breached the idea of a short sale, having them modify the amount due. 
They have not responded as of this day XX/XX/XXXX. Our understanding is that they have 60 days to reply. 

We have the house on the market but there is no way we 're going to be able to cover the amount of the HELOC and the first mortgage with the price it will sell at. Also we believe that Bank of America did not do a proper appraisal when they gave us the HELOC.
The HELOC amount is approximately {$160000.00}. The 1st mortgage is with XXXX and it is for {$140000.00}. My wife and I believe the house will sell quickly for between {$280000.00} and {$300000.00}

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 explanation
Consumer complaint received 2017-11-17
Company: EQUIFAX, INC.
State: CA
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:
My 12 months promotional monitoring service with Equifax expired on XX/XX/XXXX and I did not receive an email notification informing me of the change and new charges. When I signed up for the promotional service, I requested to be notified before switching to the regular service ; being doubled charged. When my credit card displayed the charge of {$16.00}, I immediately called Equifax and informed them that I did not authorize the charge and did not receive a notification of the change. The first Representative told me they no longer send out email communication. I then requested a Supervisor who informed that the email was sent on XX/XX/XXXX. I told him I checked both SPAM and my emails, the notification did not come into my box. I even offered to send him details ; a search query showing all my received emails from Equifax in my inbox and SPAM. Although, I am currently disputing the unauthorized charge with my credit card company, I would also like to file an official complaint against Equifax for their lack of customer service - submitting an unauthorized charge and unwillingness to correct the problem by reversing the {$16.00} fee. I was told by the Supervisor ( XXXX # XXXX ), I could speak with the email department and file a complaint, but he could not reverse the fee. The charge is a monthly service fee for service I will not be using. Although, I closed the account on XX/XX/XXXX and have no interest in continuing the monitoring service, they are forced to keep it open until next month to justify not refunding the monthly fee - account shows it expires on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I got a personal loan from OneMain FInancial. I made a payment and then I had a personal family crisis arise which created financial hardship and inability to make the payments. OneMain calls me twice a day every day at work. I requested at least three times via email to stop the harassing calls at work but they keep calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States back on XXXX, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX reports also i have already made report at XXXX.XXXX 1. Capital One Bank Usa XX/XX/XXXX 1. CAP ONE NA XX/XX/XXXXXX/XX/XXXX, XX/XX/2017XX/XX/2017

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-30
Company: EQUIFAX, 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:
I have called XXXX numerous times in reference to unauthorized inquiries I dont recognize. I recognize 2 out of the 17 I have. They have told me numerous time they will place a dispute and investigation when In fact one agent told me they is no investigation actually done. They come back and say its a factual record. Ive called a few of the creditors and they have no records of any application. However they told me Equifax must remove it. I am getting beyond frustrated because of lack of negligence Equifax has shown and no help in getting this resolved. 
Below are the inquiries I did NOT authorize. 

XXXX XXXX ( 4 ) 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 ( 3 ) XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: JPMORGAN CHASE & CO.
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I filled a complaint a week ago, about chase credit cards, they called me the very next day, but. But I had my hands literally full and couldn't hold my phone at the time, I asked if they could give me five minutes, call me back, they said yes, then asked if this was XXXX XXXX, I said it is. They have not called back, I tried calling the number they called me from, it doesn't work. And they haven't called back. So I would like fill another complaint against them. I would also like to mention that I've went into a branch, Iand tried to show proof, also tried calling to get an email to show proof. Neither have worked so far

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I am a federally protected consumer and the original creditor. I was not obligated to Wells Fargo alleged debt. The Federal law states that any person sending you a " bill '' is in violation to your consumer rights. and so Wells Fargo is in violation to FCRA, FDCPA, and TRUTH AND LENDING ACT. Dispite the federal laws Wells Fargo collected on this alleged debt. Negatively reported on my consumer credit report. I did not give Wells Fargo DIRECT consent to report on my consumer credit report pursuant to 15 usc 1692c ( a ) ..Wells Fargo did not tell me about my right of rescission pursuant to 15 usc 1635- right of rescission. l hold Wells Fargo criminally liable for all of these violations pursuant to 15 usc 1611 and 15 usc 1640.

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 2018-03-16
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX and XXXX have started investigations based on the exact same request, I sent required ID information. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. Please investigate this pattern of gross violations of my rights. I plan to take legal action but I want to create a paper trail. 

The items in question are as follows : Experian XXXX ACCOUNTS XXXX  XXXX unverified debt XXXX XXXX unverified debt XXXX XXXX unverified debt XXXX XXXX unverified debt XXXX XXXX unverified debt XXXX XXXX unverified debt XXXX XXXX unverified debt XXXX XXXX unverified debt XXXX XXXX unverified debt XXXX XXXX unverified debt COLLECTIONS XXXX XXXX XXXX XXXX XXXX {$410.00} unverified debt XXXX XXXX XXXX XXXX {$1100.00} unverified debt XXXX XXXX XXXX XXXX {$2600.00} unverified debt

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