BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-30
Company: Receivables Performance Management, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/19 I sent a letter to Receivable Performance ( tracking XXXX XXXX XXXX XXXX XXXX ) requesting validation of the debt they are reporting on my credit profile. As of today, I have not received the documents. and they are still reporting to the credit bureaus. This is a violation of the fdpca.

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 2020-05-13
Company: TD BANK US HOLDING COMPANY
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I viewed my XXXX credit report during the week of XX/XX/XXXX, and found negative derogatory marks that had I had late on payment since XXXX of XXXX. On XX/XX/XXXX, I called TD Bank to inquire about the late payments because I was not informed of the payment. XXXX XXXX XXXX, my ex-partner, communicated to me that he was informed by more than one representative on multiple instances that an account did not exist under his social security number or name nor my social security number or name ( XXXX XXXX ). I found this to be true when I called the same number ( XXXX ) XXXX ) that was given to me and the same instance happened. I gave my social security number several times to 2 representatives before the account could be located. It took over 1 hour to locate the account. When I explained stating, I MUST have an account there because there are several negative remarks on my credit report from TD Bank. After stating my concerns one of the representatives found the account. After going into detailed what happened, the last representative informed me that TD Bank will never remove any negative remarks from any account regardless of the reasoning. I have an issue with this, due to the fact, I was not informed by the financial that a payment had not been received for several months and was easily found after the storyline. I gave my social security number to the representative several times and both representatives stated that could not retrieve my account. When I informed the representative of the what happened, she stated that TD Bank will never remove any negative remarks from someone's account I am in the process of attempting to buy a home and now I have negative remarks reflecting on my account.. 

I have never lived at XXXX XXXX XXXX, XXXX, TN. I was living in XXXX, MN at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
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 {$39000.00}. 
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 ) -- PERSONAL ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$39000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
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 information incorrect

Complaint:
I have XXXX XXXX XXXX credit card. At the beginning of the pandemic I was laid off from my job and became homeless and lost my phone. During this time I fell behind on my credit card payments. I eventually regained my phone and a place to live. I spoke with XXXX XXXX over the phone and explained my situation and what happened due to the pandemic. They explained what they could do with extending payments and forbearance and so forth. The agent advised me that if I could come up with a minimum payment of {$25.00} that XXXX XXXX would remove the late payments from my credit report. I paid the money, however they have reneged on the agreement. I spoke with an agent yesterday and he expressed concern but said he couldn't do anything. He suggested I contact you guys. I wa a victim of circumstance during pandemic, I caught up the payments and haven't fell behind since. This isn't right, they lied to me and are impacting my credit score greatly. I am unable to buy home due to this. Please make them make it right. Ple
ase.

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 2021-02-22
Company: Experian Information Solutions 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:
Experian is still showing student loans that shouldve been removed years ago due too accounts statue of limitations

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 2018-03-29
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
lived in a home paying rent for 21 years. The owner put the home in Foreclosure, I worked with Caliber Home Loans to purchase the home since XX/XX/XXXX of last year. They wanted {$85000.00} I submitted a contract with a Hud statement to purchase.I started my offer for {$70000.00} rejected then {$7500.00} which was reject and told it had to be {$8500.00} firm. Two days later they send me a e mail saying they reject and are taking the home to XXXX sale.In XXXX it went into Sheriff sale, they started the bid at {$200000.00} the amount with all the Attorney and interest fees plus what ever else. no one bought it. XXXX bought the home back. I tried to speak with someone to still purchase they said no, i had to leave the home. On XX/XX/XXXX the Sheriff came to gave me notice to vacate by XX/XX/XXXX, i did get a extension till XX/XX/XXXX. I'm being told i need to vacate the property then i can try to purchase it.They are telling me i have no tenant rites. I have put into this home within the last 21 years many up grades which i will list at the end of this letter. I also have all receipts to prove it. No one will speak with me to try to help me purchase this property. I feel i'm being discriminated against because i'm a tenant and a senior citizen. I now have to leave a home that i put my heart and money into, it's not fare to me that they will not work with me to purchase this home. Here is a list of improvements i put into the home thinking one day the owner would sell to me. New furnace and chimney liner, hot water heater, New chimney built from Basement Floor to first floor.New kitchen cabinets, cornon counter top and sink, Stove, dishwasher, micro wave, flooring., bathroom tub, sink, toilet, tile, new flooring on 2nd fl, large deck, new bath and kitchen windows, New front and back doors, 2 storm doors. repairing of roof. The list goes on. I have all receipts to prove this. This is a heart ship to me, i raised my son in this home, my grandchildren.Something needs to be done so that these Banks can not do to other people what was done to me Why wouldn't they work with some one that is all ready in a home and qualify s to purchase it. There is no protection for homeowners nor tenants its all with the banks. I di n't set the price a REO did for {$8500.00} so why are they not excepting my offer. I went back and offered {$100000.00} and they said no, i need to leave. I offered to pay rent, no i need to leave. If i'm not out by XX/XX/2018 the Sheriff will lock me out. Please help me to stay and buy this isn't fare what the Mortgage Co can get away with. .I will submit all proof of my repairs theirs so many receipts for me to send now but will upon request. I have emails from XXXX plus they have all my phone conversation recorded Thank you time is of the essences

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This account is not being reported on my XXXX & XXXX credit reports and it 's affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: The CMI Group, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is NOT my debt. The original creditor is listed as XXXX for {$250.00}. My comcast account has been paid timely for the past 22 plus years at my current address. Credit Management LP ( CMLP ) filed a collection with all 3 credit reporting bureaus. They submitted one on XXXX on XX/XX/XXXX. I disputed the debt the same day on XXXX and found the collection on all 3 agencies. I disputed the debt on all 3 agencies immediately. I mailed CMLP a certified letter on XX/XX/XXXX requesting that they cease the collection and that they should mail any documentation to me they feel proves the debt is mine to me. I have not received a response to the certified letter as of yet. I have not received the return receipt. CMLP has proceeded to flag my report again on XX/XX/XXXX for collections for the SAME debt. Their action has caused my credit score to drop by 100 points. This has reduced my credit rating from exceptional to good. I have no knowledge of ever speaking with them by phone and they have never contacted me by mail as required when collecting a debt. I will only communicate with them via the US Mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 checking my credit report. I have noticed that there are several items still remaining on my credit report even after sending in supporting documentation that these accounts are a result of identity theft. I have never lived at XXXX XXXX XXXX XXXX XXXX, SC XXXX or XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX these are addresses used by the perpetrator. I have made several attempts to have them listed as fraud and blocked from my credit report, but still get the run around about this issue.

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 2019-11-07
Company: Premier Student Loan Center
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Premier student loan scammed me by lying about the student debt relief they offered. The business has been shut down temporarily due to a lawsuit.

Company response to consumer: Untimely response
Consumer complaint received 2018-05-14
Company: Experian Information Solutions Inc.
State: MS
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:
My name XXXX XXXX someone used my info to purchase a vehicle from XXXX XXXX  n my name this person social is XXXX which is sum little girl its not mine but they said it was mines n stuck this on my credit report I went to apply for a house cause of this on my credit report it didnt happen I have worked hard to get my credit right n now this also this person have turned this vehicle n I guess I will have too start too sue paperwork for this company

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 2021-01-21
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX BALANCE {$0.00} - Please figure out precisely why the date of last reported is different from other bureaus, this is a violation. Also, give documentation to verify all the charges and credits in this claimed account that caused to the maximum credit number you've exhibited in my file. My request to give these records is a standard information request according to my legal rights honored within the fair credit billing act. 

XXXX XXXX XXXX XXXX BALANCE {$0.00} - This account is not familiar to me. Provide me with necessary documents to prove its mine. My petition to request this documentation is a standard information petition based on my rights given from the fair credit billing act. If you can not create this data per my civil rights inquiry, please quickly remove this particular invalid post.

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 2018-02-06
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The billing due date is the XXXX XXXX of every month. I opened this credit card XX/XX/2017. Timely payment is made each month via my auto bill pay service the 2nd business day of each month. The minimum payment due is {$78.00} per month and the payment submitted is {$500.00}. This company has charged me a late fee of {$38.00} per month even though payments are consistently received the first week of every month. This billing cycle system is a scam to charge customers invalid late fees. 
Upon several emails via their secure on-line messaging service on the website, I was able to recover 1 late fee, with an offer to adjust my billing due date to the XXXX of each month. Which, I accepted and was then charged yet another late fee. 
This company is profiting off of unsuspecting customers by fraudulent billing practices.

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 2021-02-22
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:
There are three accounts appearing on my credit report that I have been disputing and have sent multiple letters to the bureaus and they have not been doing anything about it. This is identity theft and these accounts have not been opened by me. 

XXXX  - Acct # XXXX Amt {$13000.00} Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$10000.00} Opened XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX - Acct # XXXX Amt {$13000.00} Opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
I paid off my entire balance owed prior to my XX/XX/XXXX bill being due, and capital one Billed me just over 20 dollars for interest saying it was interest owed from before i paid my balance, however the balance was at XXXX when they added the interest, i paid all the charges that were there on the account i feel they should not have ability t0 add charges to a XXXX balance, my papers when i opened the account stated that no fees would be added to a XXXX balance if i kept it paid, and that was my understanding so if I'm wrong and misunderstood that, well i know now they carry interest per day of the month and my bill may not reflect the totality of what is owed on a given day however this was not my understanding prior to seeing these charges and i feel it ridiculous that i should pay this fee. I never ask for much but i want this charge reversed, i paid this to XXXX and believed it was to remain at XXXX until i used the card again, or until they billed the yearly fees again, in no way did i expect another interest charge to be added and I'm very disappointed that they refused to work with me and remove the charge when i called i was not rude or vulgar or impatient i just don't understand this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-06
Company: VALLEY NATIONAL BANCORP
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
The Valley National Bank gave me {$1000.00} over-draft protection. The two bank officers at its branch in XXXX, New Jersey told me this. One said, " XXXX XXXX, I have good news. The bank has approved your application for {$1000.00} over-draft protection so you do not have to worry about fees for insufficient funds. '' Subsequently, the Valley National Bank charged me {$72.00} for two checks for alleged insufficient funds. 

I do not want to bank at Valley National Bank anymore given this incompetence and inefficiency. But I paid nearly {$100.00} for business size checks. I want to close my checking account and be refunded the said payment for the business size checks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
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:
There are three accounts appearing on my credit report that I have been disputing and have sent multiple letters to the bureaus and they have not been doing anything about it. This is identity theft and these accounts have not been opened by me. 

XXXX  - Acct # XXXX Amt {$13000.00} Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$10000.00} Opened XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$13000.00} Opened XX/XX/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 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Noticed some accounts opened on my report I never was aware of or gave my consent to open. 
I just fully got to see the whole run down on my credit report and I notice the problem and made a FTC report. 

I contacted the creditors multiple times! but they provided me no feedback to this inaccurate information on my report I asked that it be removed off. As it is against my rights to the fcraa. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( Transunion ) ( XXXX  ) XXXX XXXX  XXXX Inquires on my report I didnt give me consent to use my info. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2021-01-27
Company: EQUIFAX, 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:
Good morning, Beginning XX/XX/XXXX, I am been writing XXXX, XXXX, and Equifax to dispute inaccurate information on my credit report and asked them to validate the accounts. I have also asked them to investigate the accuracy of several specific items by providing proof of the debts that I owe. XXXX  responded only with " everything was verified and accurate ''. 

As of today, XX/XX/XXXX I have sent them multiple letters and they have only replied with a " verified '' and no additional information or a description as to how the accounts were verified or included the response from the debt collectors

Company response to consumer: Closed with explanation