BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-19
Company: TRANSWORLD SYSTEMS INC
State: IL
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:
OPENED XX/XX/2021 {$1200.00} Collection agency ( XXXX ) I've reached out to the companies XXXX, XXXX, and XXXX XXXX XXXX. I've also reached out to XXXX XXXX XXXX regarding the misunderstanding of this account. I've never had XXXX XXXX XXXX. Also I reached out to XXXX, XXXX and XXXX stating that It is illegal to sell an account to a collection agency but they still Went forth what the XXXX selling the account to the agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: U.S. BANCORP
State: OR
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:
I was a with US BANK customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

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 2021-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
As of XX/XX/XXXX, TransUnion is reporting an account that was closed on XX/XX/XXXX with a XXXX balance as a " Current '' account with a balance of " {$150.00}. ''

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2019, I placed an online order with Neiman Marcus ( NM ) ; 1 pair of shoes order no. XXXX, totaling {$220.00}. On XX/XX/2019, I called Neiman Marcus in regards to returning the shoes in return NM provided me with a smart label via email, in which I used to returned that item which resulted with a XXXX balance as everything was returned within the same billing period. 

I requested that NM cease and desist communication with me, the unwanted numerous phone calls, the badgering voice messages, in relation to this and all other alleged debts NM claim I owe. NM company  provided me with a returned shipping label on the day of, XX/XX/2019, I went to the United States Postal Services to returned the item utilizing tracking number XXXX. 

On XX/XX/2019, I called NM and spoke with representative, XXXX. I explained to the XXXX that Ive called the week prior explaining everything I stated during XX/XX/XXXX telephone call ( i.e. all items were returned ). XXXX stated all late fees would be removed and stated he was sending information to the credit bureau. Again, I was asked if I could make a payment, in return I asked why did I need to make a payment when every that I order was returned. Once again, I repeated myself informing XXXX that all items were indeed returned.This item NM is inaccurate because this account should not be listed as 1-3 times late, 60 days or more late as Ive never once was late making a payment on this account. As I do not owe anything for this account since my balance is XXXX. 
Therefore I am requesting that Neiman Marcus negative item be removed to correct the information ; XXXX   Balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
State: ME
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 notified Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that the three accounts were opened by an unknown third party without my knowledge or consent while I was XXXX XXXXXXXX I have been living and working in XXXX since 2012 and I have no idea who opened the accounts. I asked Experian to fully investigate. They did nothing. This is outrageous.

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 2018-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A month or so ago, I contacted XXXX  to let them know that they were reporting my account with XXXX XXXX as " OPEN '' with a high balance, when in essence, the account had been closed in XX/XX/2017. I faxed them a statement, " PROOF '', from XXXX XXXX that proves the account was " CLOSED '', and that XXXX  XXXX had advised me on that statement, that they would alert all 3 credit reporting agencies, that my account was in a " CLOSED '' status. I even faxed proof to XXXX. In the interim, they emailed me that the dispute had been " resolved ''. When I went in to check the dispute disposition, I discovered that XXXX had " DELETED '' my XXXX XXXX account from my credit report file. I did not ask them to " DELETE '' my entire credit history with XXXX XXXX. They can not legally do that as if I never had a 4-year pristeen credit history with the company. I asked them to change the " OPEN '' status, showing I owed XXXX XXXX about {$6000.00}, to " CLOSED ''. XXXX  XXXX is an angry, vindictive corporate entity that wishes to hurt my excellent credit in any way that they can because I terminated my relationship with a horrific company with an exorbitant APR that had been " sucking the life out of me '' for years. My credit report has to be returned to the correct current status.

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 2018-01-27
Company: CITIBANK, N.A.
State: CA
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:
XXXX XXXX XXXX XXXX XXXX stopped sending me statements since XXXX or XX/XX/ for reason unknown to me. I did not change my address or made such report. Sometime in XX/XX/ I tried to contact their customer service on two different occasions and gotten no where. I was concerned because I have been a victim of identity theft and thought maybe someone got a hold of my information. I like to mention that I have another Citi Card account where I receive my statements every month and I don't understand why the XXXX affiliate stopped sending me the statements. 
Now, all of a sudden they started sending me the statement only with a substantially higher amount than what I believe my balance should be and ruined my credit report. When I was receiving the statements, I have been paying consistently with no delayed payments. I stopped paying when they stopped sending me the statements because I do not know what the current bill was and the amount due each month. 
They are now harassing me with collection agency and, to my scare, I do not know how they gotten hold of my children 's phone numbers, they have been calling them and leaving messages chasing for me. 
If I owe something, I honor my debt, I just don't understand why they are doing this. 
They are now telling me that I owe {$6900.00} and to pay the total amount, which I can not afford.They also have placed a negative report on my credit report. I disagree with the amount and their unfair practice.

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 2019-05-16
Company: Professional Recovery Management
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I did not know I owed the debt I have insurance and met my deductible and out of pocket. I never received a bill from the original creditor or from the debt collector never received a bill or notice from the debt collector and they started reporting it on my credit as of XX/XX/2019 in which dropped myscore 56 points!!! How can they report without notifying me first.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information is missing that should be on the report

Complaint:
Had bank of America sell my loan to XXXX XXXX in 2014 after reviving a payment from me that was to be applied to my pay due account. I had late fees with boa but made plans to repay as I stayed correct. They Sikhs the loan to XXXX, with my catch up payment used on ALL late fees which made me a month behind after the sale to XXXX. I contacted them regarding this matter and tho make a long story short, I inquired on things like forbearance or any other way to assist me. They replied they don't did such things and offered no solution but to pay. At the same time, I was reviving a discharge of a chapter XXXX bankruptcy, which was discharged XX/XX/2014. 
Since 2014, even though I'm paying my mortgage monthly, it's not showing on my credit report as not owing a mortgage. This is hampering me on fair credit reporting. 
How can I get this matter taken care of? 

Respectfully submitted, 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 2019-07-01
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
This inquiry is regarding credit card interests as it pertains to citibanks consent order XXXX XXXX. I would like to have my shell credit card account reviewed pursuant to this order. I have called Citibank and Shell,  and my phone call was passed on from representative to representative. 

As a potential affected consumer and pursuant to Consent Order, File No. XXXX, please review this account for the following time period XX/XX/XXXX- XX/XX/XXXX and beyond as appropriate. Shell account ending in 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 2018-12-18
Company: MoneyLion Inc.
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/18 I made several calls to the bank to close my account and all representatives spoke to refused to close my account without me paying the outstanding {$18.00} XXXX XXXX membership fee first. I stated I did not wish to keep the account open, so close the account, which every representative I spoke to on the phone refused too do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Transunion and XXXX  has continued to report an inaccurate and unverified bankruptcy that has no accounts included to support it. I have sent in notarized dispute letter after dispute letter with a document from the court stating that the federal bk court does not furnish any information to credit reporting agencies. XXXX XXXX is suppressed. They will not provide me with any verification of proof that I have requested. One rep from XXXX   told me over the phone while checking on a dispute that they don't have to provide anything to me. I said that's a violation of section 609 and you have up to 15 days to delete this bk but she did not.

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 2019-07-01
Company: Merchants Acceptance Corp
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company ( Merchants Acceptance Corp. ) keeps reporting a collection account on my credit report without sending any type of validation of this particular account. This collection account shows that it was opened XX/XX/2016 with an amount of {$2500.00}. I have sent multiple dispute letters to credit bureaus and collector to verify account and I have not received anything in return. I'm in the process of buying a house and this account is not allowing me to get a approved for a mortgage. Please remove this account from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: CarMax, Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XXXX and for XXXX I sent a Money Order by way of Coupon to cure the auto loan I have with CarMax. The company has failed to acknowledge the Negotiable Instrument on both occasions thereby allowing my account to go into a past due status with the threat of taking the collateral even though I have sent in a payment via electronic transfer in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: The CBE Group, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
the cbe group or XXXX cable is attempting to collect a debt XXXX XXXX from me that I do not owe.I have no notification from either company concerning this matter.I do not have an open account with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Receivables Management Partners, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I asked them verbally and written notice to provide me with signatures and medical information to determine that the debt was mine. It has been more than 30 days and still no response. I would like for them to remove this collection off my credit please.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2019, I received a money transfer ( USD XXXX ) via XXXX from a buyer ( Ref # XXXX ) to my Wellsfargo checking A/C due to a purchase transaction ( I was the seller ) XX/XX/2019, I checked my Wellsfargo online checking A/C and found there's an unauthorized money withdrawal of USD XXXX from my checking A/C by Wellsfargo. I did not receive any prior notification from Wellsfargo about why they withdrew money from my A/C XX/XX/2019XXXX I made a phone call to Wellsfargo customer service hotline XXXX and then the representative transferred my call to the Fraud department. A Fraud department representative picked up my call and I told her what happened and she said she is after-hour representative and she jot down what I told her and asked me to call back the next day. I asked why Wellsfargo withdraw money from thy bank account without my authorization or any prior notification. I also told her I want to file fraud report and complaint. I should have been protected by Fraud protection plan of Wellsfargo. She gave me a case number XXXX. 

XX/XX/XXXXmorning I made a phone call to Wellsfargo customer service hotline XXXX and was transferred to the Fraud department again and a representative names XXXX ( female ) picked up my call. I gave her my case number and asked for any updates regarding my fraud report. She told me there is nothing Wellsfargo can do and I am not protected by Fraud protection plan and my fraud report case was closed I asked her how come Wellsfargo did not ask for any information from me for fraud investigation and closed my case in less than 1 day without any investigation. She told me Wellsfargo withdrew money from my bank account because Wellfargo received correspondence from XXXX XXXX XXXX Bank that the electronic transfer of XXXX into my Wellsfargo bank account was claimed to be fraudulent. 

I told her this is not true because this person purchased an item from me and that's why he paid by transferring USD XXXX into my bank account as a payment after I gave this person the item. 

XXXX from Wellsfargo Fraud department did not provide any support to me and just told me that there's nothing Wellsfargo can do and case is closed.

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 2021-07-20
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:
The following accounts being reported on my consumer report are a result of identity theft. These items being on my report are affecting me tremendously and is holding me up in being able to provide things for my family. I have attached the FTC report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: Ocwen Financial Corporation
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
In XXXX I received a check for a settlement with Ocwen ( a mortage company ) It was made out to myself and my ex-husband. Since I was unable to cash it I called the company and they recommened that I send it back voided, which I did. I waited approx 1 month and then called Ocwen. I spoke to someone in the call center who told me that the check was being reissued and mailed to me in Nevada. I again waited a month, which was their recomendation. I then called again. This time they said the check had been mailed to Utah in error. I told the call center to stop payment and was told why? I said someone will cash it, they told me no one would do that they would get in trouble, I told him someone will try and probably suceed. He told me to continue to wait they would fix it. I waited approx 2 weeks then I recieved a call saying the checks had been cashed. I was told that they would do a fraud investigation. They told me to call back in 2 weeks. I have called and called and they continue to give me the runaround. I left a call back number and received a call back number after about 2 weeks and I was told they were sending the canceled checks which never showed up. I again called and was again told be patient fraud investations take time. I'm still waiting. I think the fraud investation should start with 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 2017-09-13
Company: Nelnet, Inc.
State: MI
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:
I was told that nelnet had my student loan and my loans had gone into collections. I called telnet and they told me that they had no knowledge nor info on my account, and that it was referred to a dept collection agency and l now owe the collection agency and l would like to know how do l owe them anything?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: Alliance One, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company is repeatedly calling me and when i ask why they are calling me I am told they dont know or it is a mistake. I have repeatedly asked to have my number removed from their database and they confirm this has been done however the calls keep coming. I have had the same conversation over and over and yet they do not stop calling me. 

I have asked to speak with the manager at this company here are her details below : Company : Alliance one XXXX XXXX Call Center supervisor XXXX XXXX XXXX XXXX Washington XXXX

Company response to consumer: Closed with explanation