BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-01
Company: Glass Mountain Capital, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I kelp receiving phone calls from a company saying they were collecting a debt, however the company that they trying to collect has fraudulent information. I have proof from one of the statements with a different account information were listed must be same companies with different cards that were issued. It looks like they amount were from XXXX and the company says bills were from XX/XX/XXXX-XX/XX/XXXX and the debt look much older and the company wants to make as it look charges were recent. I have called the company to resolve this issue no one wants to talk they only talk in threatening language and wants to add me to that's over 7 years ago on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: TRANSUNION INTERMEDIATE 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 belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., permission. 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-10
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I resided in the apartment complex. At the end of my lease. I departed from my apartment on XX/XX/2019. My lease ended XX/XX/2019. I paid XXXX for the full month rate. As I departed in the middle of the month, 18 days early, that left me with a credit of {$870.00} on my lease in which should have been applied to any final balance imposed. I was assisted by XXXX XXXX XXXX  Emergency Financial Assistance to Veterans to pay my last month rent as I was unable too. I was charged {$600.00} for cleaning fee that should have been applied to the prorated credit owed. The Apartment company withheld my credit and did not return it to me or back to the XXXX XXXX XXXX Emergency Financial Institute that assisted me with my payment and tried to charge me with an outstanding balance. The company sent me a cleaning bill in which they claimed they paid their staff the {$600.00} to remove a bed and dresser from my apartment. Because my credit for the month was not returned they should have applied the balance that is claimed, otherwise this would be considered as theft from the XXXX Emergency Assistance program as the credit/funds was not returned. I am not obligated or held to this charge. And I request this collection be removed completely from all credit bureaus report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: ACIMA CREDIT, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone used my identity to purchase vehicle rims. I only found out about the occurrence after it hit my credit report. I called the company and they informed me that a black male was the one who did the transaction. I did not even own a vehicle at the time of the transaction. Please help me get this removed from my report because it WAS NOT me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
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:
I Check My Credit And I was so amazed That I'm a victim of identity Theft someone has been Using My credit for there benefits, they went shopping for a car and tried applying For Credit. This is crazy, I'm Highly Upset about This Situation I did not give anyone Consent to open Any Accounts using my personal Information this is Fraud on all Accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was informed on XX/XX/20 that my mobile deposit of {$4200.00} will be placed on a hold. I called to see why and was eventually told that it may not be placed on hold. In addition I have an email stating check available balance before using funds to ensure money has been released. The next day my account showed {$0.00} hold and my full check was available to use. As of XX/XX/20 I get an alert that not only has my rent been returned, Im overdrawn by {$920.00}. I called and have spoken to reps and no one can explain why after XXXXyrs as a customer I have a check on hold for the first time ever, why it showed my money was ( is ) deposited and available but not really available, and why no one can fix this. Not one person who works for Suntrust can correct this error or tell me anything. I dont understand why a paycheck thats normally a direct deposit drawn on XXXX XXXX deposited into Suntrust should be put on hold. Its not a personal check, over {$5000.00}, or from a foreign company. Its the same company that directly deposits the same funds. But no one can help me. I need somebody to help me. Suntrust showed my money was available to use. The rep said if it says the money is available then the money is available to use and yet no one can tell me it isnt available and why they wont release what shows is available. Its confusing and makes no sense. I need an advocate. Suntrust is being fraudulently and untruthful with my money from my paycheck.

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 2020-10-15
Company: Experian Information Solutions Inc.
State: VA
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:
Erroneous, damaging information was not removed from my credit file. Experian, XXXX, XXXX  did not verify information within the prescribed 30 days. Have not removed erroneous accounts from credit file.

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 2018-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Over 45 days ago, I sent a request to XXXX  and Trans Union asking them to investigate errors on my credit report. They were supposed to respond in 30 days, but they have 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 2021-01-22
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I originally started disputing negative information on my credit report in XXXX of XXXX. I was receiving responses and notifications for a while. The disputes I sent out on XX/XX/XXXX I have YET to receive a response on! 6 months has passed, I have also submitted another dispute during that time on XX/XX/XXXX, so 2 rounds in 6 months with nothing from any of the bureaus. I just sent out a 3rd round on XX/XX/XXXX and am trying to patiently wait for responses, but why would the bureaus just stop responding to me out of nowhere? This is not good ethics or customer service at all!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: EQUIFAX, INC.
State: KY
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 the creditor XXXX XXXX XXXX XXXX and creditor XXXX XXXX XXXX has violated my rights. Under 15 USC 1681 section 602 states that i have the right to privacy. Under 15 USC 1681 section 604 A section 2 also states that a consumer reporting agency connot furnish an account without my written instructions. Under 15 USC 1666B states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Please remove all inaccuracies and update my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: AXOS FINANCIAL, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
AXOS Bank refuses to provide me a statement of my account and has stolen my bank account funds. I have requested to report fraudulent activity and they hung up on me. They are refusing to provide account statement. They are refusing to allow me access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had contacted all the collections on my credit score. None of them could provide any proof that they had saying it was my debt. I asked them to remove the debts and they stated they couldnt do so. I called them about 2 months ago and I had been told to reach out to you guys and get the items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Erroneous, damaging information was not removed from my credit file. XXXX, Transunion, XXXX  did not verify information within the prescribed 30 days. Have not removed erroneous accounts from credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: EQUIFAX, 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:
These are not my accounts, nor did I authorize these companies to pull my credit. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: I.C. System, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
IC System Inc XXXX repeatedly collecting the same amount that I HAVE DISPUTED WITH XXXX CREDIT BUREAU back on May 27the 2020 this bills with the original creditor belongs to XXXX. I disputed this account because I never have anything open with XXXX lI never have any Phone etc with XXXX Never Never had anything to do with XXXXl no past account or No previous account. 

XXXX I.C system INC XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone XXXX Report number XXXX Im disputed this again with XXXX the same thing it shows Potentally Negative by XXXX even XXXXhough I disputed it XXXX reported my credit is a Potentially Negative ... how they report this uncorrected information while Im disputing this is not 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 explanation
Consumer complaint received 2019-05-29
Company: Conn's, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Conns Appliances and furnishings, have called me REPEATEDLY since XX/XX/19, over 20 times all day everyday, while at work and when I'm off from about XXXX to XXXX or XXXX ... My payments are due ea. Month on the  XXXX ... I have paid on time for almost 2yrs. Straight ... wasn't able to pay on time this month ... and they have really been unprofessional and HOUND DOGS. TOTALLY HARRASSMENT AT ITS BEST ... I advices the conns rep on XX/XX/19.. I will make payment the last week in XX/XX/XXXX ... She demanded I set up a payment arrangement and {$25.00} late fee will added ... I will continue to pay my XXXX off.. But will Never GIVE CONNS MY BUSINESS AGAIN ... There is absolutely no reason To Harass a good paying customer this way ... When they are not accomplishing anything ... and TOO incompetent to leave a message ... Conns continues to call XXXX XXXX. Please Assist with POOR BUSINESS PRACTICE and incompetent personal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage company doesn't want to issue me refund of overpayment of approx {$1100.00} for property taxes collected during tax year XXXX. I called bank four times & spoke with 4 representaives on XX/XX/XXXX & they all gave me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: CAINE & WEINER COMPANY, INC.
State: WI
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:
Contacted company XX/XX/2021 and paid balance company stated the item will be removed from my credit report within 2 weeks. I also disputed with XXXX XXXX and XXXX  and the item has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: NCB Management Services Inc.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Everyday I receive a call with a caller ID indicating it is coming from NCB Management Services. The calls are using spoofed numbers other than numbers on their web site. Numbers include XXXX, XXXX, XXXX, XXXX. These numbers are obvious spoofed. No messages are ever left. The company has failed to provide a written notification of alleged debt. There is absolutely no reason for repeated calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed a collection account with the debt collector and they verified the debt as accurate with the credit bureau. I have tried to contact them directly using the contact information provided on their website and as reported in XXXX XXXX and I can not get a hold of a live representative. The phone numbers listed seem to be valid but they always lead to a voicemail box, even during the displayed operating hours on their website. I have not received a phone call back after leaving several voicemails. The collection agency is called XXXX XXXX XXXX and their website is : XXXX : XXXX Their advertised phone numbers are as follows : XXXX - Toll Free XXXX - Local It should be unlawful to report information to a credit bureau and not offer live assistance to a consumer wanting to verify a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: EQUIFAX, INC.
State: LA
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:
RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX XXXX XXXX, Whoconducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: Experian Information Solutions Inc.
State: MA
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:
XXXX XXXX XXXX shows the credit limit was {$550.00}, I show that the credit limit was {$400.00}. This is incorrect on the company 's part

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 2020-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
The last time I sent out my dispute letters was on XX/XX/XXXX. I have yet to receive a response from either of the bureaus. The following account/s have errors that need to be corrected immediately by this XX/XX/XXXX. It has been 30 days since Ive sent out my last round of dispute letters, if I dont receive a response by XXXX, then by law according to the FCRA you must remove the account/s from my report within the next 15 days.

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 2021-03-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage servicer has not been applying my payments to my principal. My mortgage principal amount has barely moved in ten years despite me paying extra every month to my mortgage company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: SYNCHRONY FINANCIAL
State: MA
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:
XXXX XXXX XXXX shows the credit limit was {$550.00}, I show that the credit limit was {$400.00}. This is incorrect on the company 's part

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 2019-05-31
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX had a collection account being reported on my credit report. I disputed it and it was removed, after months passed another company is reporting the same account in my report. This information is false and it should be removed from my credit report. I am trying to purchase a home and this situation keeps affecting my chances.

Company response to consumer: Closed with explanation