BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-26
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: Personal information incorrect

Complaint:
I have had my credit pulled this month and I recently found out I am a victim of fraud. I have a few issues going on concerning the accuracy of my name and addresses. 
My name is spelled XXXX XXXX XXXX my DOB XXXX my SS # XXXX please remove any other spelling of my name. 
The following addresses are not mine please delete/remove : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX, OH XXXX Please delete the following numbers they are not mine:XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I have some unverified accounts that do not belong to me please delete : XXXX XXXX # XXXX, XXXX XXXX # XXXX, Please delete this account account it is fraudulent I do not owe 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 2020-05-26
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern : I went onto XXXX  the other day, : & found a collection account with XXXX XXXX XXXX XXXX XXXX. 

I have had no business with this vendor in all my years ; and I shared this fact with the gentleman at Enhanced Recovery Collection : I have had no correspondence from XXXX  XXXX XXXX XXXX, nor have I heard of this collection agency According to ERC/ collection agency this is an account dating back to XXXX Again, if this account is owed by someone. It is not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
After paying off the loan with Credit Acceptance I was given the title to the vehicle. Later on CAC claimed there was a pending balance of XXXX and got a judgment against me in state court. I have filed a federal lawsuit in this matter and until it is disposed, I am asking credit acceptance to remove any negative reporting on my credit XXXX v. Credit Acceptance XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2020 I submitted CFPB Complaint ID XXXX regarding the hold placed on my Paypal funds. On XX/XX/2020 XXXX XXXX from Executive Escalations at Paypal responded saying " We will make any remaining funds, less reversals, available to you for withdrawal on or before XX/XX/2020 ; and we will notify you of this via email. '' That date has now passed and I am unable to withdraw my funds, and no email has been sent to me indicating they are available for withdrawal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-24
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
American Express reported fraudulently account no. XXXX in XXXX, XXXX, and XXXX XXXX Bureaus as Consumer acct opened on XX/XX/XXXX as charged off bad debt of {$4900.00} & balance updated XXXX XXXX, XXXX. This is not my acct and correct acct no not reported in Credit Report ending in XXXX, amount paid as agreed per mo. has never been reported. American Express refused to remove this fraud acct from my Consumer Credit Report. XXXX, XXXX & XXXX is not accepting my disputes and reduced my FICO from XXXX to XXXX destroyed my credit for seven years. Also AMEX is reporting this same acct # XXXX acct as charged off {$1500.00} as bad debt with balance due {$880.00}. I pay AMEX {$49.00} on the XXXX of each mo. Auto pay from my XXXX XXXX XXXX XXXX under the correct AMEX acct # ending in XXXX that is not reported in Consumer Credit Report. This is not a collection account no. XXXX. 
On XX/XX/XXXX, I received an Email from XXXX XXXX XXXX, XXXX, Attorney at Law, XXXX XXXX XXXX, XXXX, MA, XXXX. The letter stated that This communication is from a debt collector. This is an attempt to collect a debt & information obtained will be used for that purpose, file no XXXX creditor American Express # XXXX. '' I did not opened an acct with AMEX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
in XX/XX/XXXX due to my retirement i moved from XXXX, texas to XXXX, tx. in XXXX i had XXXX XXXX.upon moving to my present address XXXX XXXX XXXX XXXX XXXX, tx., my land lord would NOT allow me to place an antenna on rooftop.I returned ALL equipment and cable boxes and now i am in collections with XXXX for {$320.00} for monies due???!!! i have been trying to get trans union to investigate since XX/XX/XXXX and still nothing!!!

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 2020-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage that was held with Bank of America and closed on XX/XX/2020. Bank of America received the funds to close my mortgage on XX/XX/2020. Per 12CFR1024.34 ( b ) ( 1 ) Bank of America must issue a payment to refund my escrow account balance within 20 business days excluding holidays. As on XX/XX/2020 I have not received payment for my remaining escrow balance and Bank of America is in violation of 12CFR1024.34 ( b ) ( 1 ). 

I have tried to contact Bank of America about the issue but the customer service line places me on hold for multiple hours and when I have been able to get in contact with a representative they were unable to resolve my 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 2021-04-27
Company: Solomon and Solomon, P.C.
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: Account information incorrect

Complaint:
Payments have been made on time monthly, but the balance never decreases on the credit report. I contacted the company requesting information on when they update with credit bureaus, unfortunately the information provided is inaccurate. 

The balance they provided is inaccurate and they do not update the information monthly as they said in the email.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I recently sent a letter to Experian disputing incorrect names on my 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 2021-08-12
Company: Lending Club Corp
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:
So Ive disputed these late payment 3 or more times and still no success. Even though what they are doing is against the law. They even sent me an email saying they would be removed and added another.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
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: Information belongs to someone else

Complaint:
Re : Removal of Fraudulent addresses To Whom It May Concern : On XX/XX/2020I received a copy of my credit history report from Transunion.That Report contained incorrect information reported by you. 

I have addresses listed on my credit report ( s ) that resulted from crimes of identity-theft. Having the following addresses listed on my credit report ( s ) has made it difficult to verify my true identity with creditors. It is a violation of the FCRA to have inaccurate information or reporting information deemed as fraudulent. I also provided a copy of an FTC Report to help substantiate the legitimacy of this dispute. I request that all addresses listed below be remove within 15 days. Failure to comply shall lead to complaint 's being filed with XX/XX/XXXX, Consumer Financial Protection Bureau, Federal Reserve, and other advocacy groups. 1. XXXX XXXX XXXX XXXX XXXX, Fl XXXX 2. XXXX XXXX XXXX XXXX XXXX, Fl 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 2023-05-08
Company: Experian Information Solutions 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:
This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. 
I'm attaching my credit report with the account circled.

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 2017-09-14
Company: Movement Mortgage LLC
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I 'm having major problems with XXXX XXXX. We have been trying to purchase a house since XXXX XXXX and now it 's XXXX XXXX. We have had 3 different closing dates and the company keeps jerking us around, lying to us, loosing personal info with our social security and bank account numbers, and passing us around from one agent to another. We have good credit and this company has been very unprofessional and takes no responsibility for these problems. They never fix the problem, they just keep loosing info and prolonging the loan process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: CMM Finance, Inc.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I had a XXXX XXXX financed through CMM in XXXX XXXX I was 30 days past due I talked with XXXX in there collections on XX/XX/XXXX and informed her that I would be caught up by Friday the XX/XX/XXXX woke up on XX/XX/XXXX and the car was gone. XXXX new that it was going to be repossessed and did not say anything. It was only 30 days. I explained to her that I had been evicted and I was going to get caught up by Friday. This is totally fraud or just a right out money hustling company not to mention the people who got the vehicle tore up my moms driveway.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: CITIBANK, N.A.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX Citi Card alerted me of illegal transitions on my credit card. I contacted them back on XX/XX/XXXX and realized that I had 4 charges from the same merchant in the amount of XXXX, XXXX, XXXX, and XXXX. The credit card was canceled and the Bestbuy Citi bank representative assured me I would not have to pay back said amount. On XX/XX/XXXX I was told that I would now be responsible for the charges. They investigated and said it was legit charges and sent me a letter stating this. I have sent in a police report and a certified letter to Bestbuy citi card disputing the fraudulent charges on my card. The letter that I got, I cant read, because the words are so small. I called bestbuy, and they cant tell me neither, because so small.On XX/XX/XXXX was told by bestbuy representative that my case is being reopened. Can you help me. Thanks

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 2019-02-22
Company: Santander Consumer USA Holdings Inc.
State: LA
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:
I had contacted Santander Consumer USA XXXX XX/XX/XXXX to let them know that due to the Federal Government shutdown I would not be able to make make XX/XX/XXXX payment until XX/XX/XXXX and that I would make my XXXX and XXXX payment together. I was told that would be fine and that it would not be reported as late on my credit report due to the situation. However, on XX/XX/XXXX, it was reported 30 days late on my credit reports even though I paid both months as promised. I called customer service and they told me to send a dispute to their XXXX address and I did. I also reached out to them on XXXX XXXX. I was very pleased with the quick response I recieved from XXXX. I talked to a representative on XX/XX/XXXX and she stated that she could not find any conversation I had with them. That since my XX/XX/XXXX payment was 2 days late it was reported accurate and they would not fix the late payment. I explained to her that my mortgage company and credit card company worked with me due to the Federal Government shutdown and she said they were not participating in not reporting to the credit bureaus like other companies were. So, today I pulled my report and it shows that they closed my account on my credit file and the close date says XXXX, when I opened this in XXXX. This is very upsetting because I commuicated and I have never been one day late in paying them, except this one time and it has destroyed my credit score due to this. Any help would be greatly appreciated. I would like to add that all of the people have been very nice, they just can't help me. 

Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Experian Information Solutions Inc.
State: NV
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:
My wife and I personal information was both stolen and has been being used as if they are us to the point that they got so many accounts in my name they filed bankruptcy to start over and get MORE accounts in my name. I filed a police report over 8 years ago and an identity theft report. This still keeps happening and no one is helping me fix it. I disputed with the credit bureaus and they still have left some of it there like I should be liable which it TOTALLY WRONG. They actually DELETED an account on my wife 's report that DID belong to us but still leave the fraudulent accounts there.

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 2019-02-22
Company: Commercial Recovery Systems
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a voicemail on Monday XX/XX/XXXX from an " XXXX '' claiming that I had 2 civil complaints against me and that I would be served papers that week. I called the number she left in the voicemail and reached CRS and XXXX. XXXX XXXX took the call. He stated the call was being recorded and to let him finish before speaking or asking questions. He said that I owed a debt from XX/XX/2005 from XXXX XXXX  and that I would be receiving a court summons regarding a theft and fraud investigation. He claimed that I had 3 options : 1 ) To go to court and be responsible for the judgment and court costs 2 ) make payments or 3 ) pay off at a discount and avoid the court. The call occurred during my work shift and created unnecessary panic and anxiety. I gave my debit card number to avoid a court record and was sent and email to sign papers to authorize payment. After the call ended and I calmed down, I performed research on CRS and associated and found many reports of scamming and predatory tactics to collect old debt. I called the court system in my local county as  well as XXXX XXXX and had enough information that this was not legitimate. On XX/XX/XXXX, CRS withdrew {$490.00} without my signed authorization. I called Mr. XXXX to confront him with the situation and call him out with the information I had obtained. He continued to dispute the information XXXX XXXX ( the institution where the debt is owed ) gave me before cutting me off and asking what I wanted. I stated that I want the funds returned to my bank account since I did not sign the papers authorizing them to withdraw. He was going to hang up on me before I could ask when the money would be deposited. He stated today ( XX/XX/XXXX ). I called XXXX XXXX  to confirm the original information I received. I called Mr. XXXX back and stated once again the facts and called him out on the lies. He said " the money had already been refunded and to stop calling. '' He hung up on me. The funds were not returned.

Company response to consumer: Untimely response
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 called transunion and spoke to agent XXXX to get fraudulent inquiries removed from my account and he refused on XX/XX/2023 2023

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 2022-10-15
Company: Genesis FS Card Services, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Are starting in XXXX I received a Robo calls from Genesis FS card services every day multiple calls a day Im attaching screenshots below of the year phone calls that Ive been left almost every day from different numbers via a Robo dialer that left voicemails I told them I would call them when I was not at work I told him I can not talk when Im at work because I work in XXXX yet they continued to allow their auto dialer call me multiple times a day upwards of 50 times a week at one point

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Experian Information Solutions Inc.
State: PA
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:
I've paid my XXXX  XXXX car loan on time for the months of XXXX XX/XX/2020 but im my credit report it shows up as a late payment I have Documentation that it was paid on time.

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 2019-02-22
Company: Gatestone & Co. International Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2019, XXXX, agent of Gatestone Company, International, contacted my tenant via telephone and discussed a debt I allegedly owe XXXX XXXX, sharing non-public person information about this matter with the third party, including balance they assert I owe. I have since communicated with Gatestone Company to discuss the matter and requested that they cease calling about this matter and rectify the breach of privacy. 

I filed a separate complaint earlier today against XXXX XXXX, but subsequently learned that the company that actually made the calls and breached my right of privacy is Gatestone Company. As such, the complaint against XXXX  may be withdrawn.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

FAIR COLLECTIONS AND OUT Other Collection Agencies 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief