BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
On XX/XX/2018 I called TransUnion Credit Bureau [ My Credit Score with them is XXXX ] to ask them why XXXX  and XXXX credit scores were 45 points higher [ ranging between 720-730 ] for the last 4 months. 

They told me that there was nothing they can do, but they could send me a free report within 10 business days. I waited 4 weeks and still did not receive a report so I called them today and they still said that there was nothing they could do again, but they would resend me me another report.

The issue is simple - how can two of the 3 bureaus have a 45 point difference and why does the burden fail on me the consumer to check into why there is such a hugh score difference?

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 2020-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020 I checked in to the XXXX XXXX XXXX in XXXX XXXX California. around XXXX. I made the reservation about a week in advance using my Capital One Credit Card ending in XXXX. About an hour later my family and I left the hotel to get something to eat on the beach. We left the TV on, turned on the Air Conditioning and locked the patio door. We returned about XXXX minutes later and noticed the TV and XXXX were both turned off and we were saying that we were sure that we left them on. So we turn them both on again and leave room again. We return an hour later and they're both turned off again and patio door is cracked open this time. I call down to the office and ask is Tv and Ac on a timer because I left them on twice only to return to my room and they are off and the sliding door was opened by someone. He told me not to worry about it as long as everything worked I should be happy. We immediately packed our bags gathered our kids and went down to desk to return key and left out of fear for our safety and fear of catching CORONA VRUS.  he no explanation or options. I called Capital one around XXXX the same day 3 hours after I checked in and voiced my concerns and to open a dispute because I was only there XXXX hours and feared for the safety of my family and they told me they understood and would take care of it. A month later capital one sends me an email agreeing with the Hotel that I should pay XXXX for the 2 day stay. I thinks that it is wrong for Capital One would've rather me put my family in harms way especially at a time like this amid the Pandemic and so much XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2020 Collection company ( M & M Credit ) is saying I owe {$590.00}. I have disputed and explained this is debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
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:
Such as I viewed my credit report and noticed an account that i have never applied for nor had communication with

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 2018-07-08
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have 4 credit cards with Citibank, ( bestbuy, XXXX, and 2 at their instituition ) after filing a valid dispute that was resolved, citibank decided to close all my cards because I've had to many recent credit card applications. The company did not provide any options and closed my first ever card with XXXX   that I've had for 14 years. I never had problems with XXXX, bestbuy credit cards ever. They completed discriminated me against a valid dispute against a company that was scamming consumers and was even being sued by the FTC XX/XX/2018. Citibank is unfair and unreasonable. They decided to close -4 cards, and my credit affected heavily.

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 2018-04-16
Company: LEXISNEXIS
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: Investigation took more than 30 days

Complaint:
I contacted LexisNexis on XX/XX/XXXX asking them to send me proof of information they are reporting on my credit report. I sent them a copy of the letter I received from the Clerk of Superior Court stating they do not provide information to any Credit reporting Agencies and also proof that the debt was paid in full. I have not heard back from them as of yet and today isXX/XX/XXXX which is longer than 30 days allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 status incorrect

Complaint:
I used to have a joint account with my former husband XXXX XXXX at Bank of America.

I divorced him because he was involved in XXXX XXXX and fraud to the IRS.

After my divorce, Bank of America has been reporting false information bout my payment records.

I must mention that it was I, who took in the responsibility to made the payments when I was married.

I tried to talk to a bank manager ( they are located inside of XXXX XXXX  ) the manager was very rude and offensive.

My records still have the wrong information that Bank of America reports.

I need to clear my records.

Thank you.

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 2021-02-10
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I contacted Equifax on XX/XX/XXXX after reviewing my credit report in depth. I was impacted by the XXXX data breach ( Equifax ) and have had identity theft issues as a result. I do not recognize and did not authorize the following inquiries and am requesting their removal immediately. 

XXXX : XX/XX/XXXX -XXXX XXXX : XX/XX/XXXX -XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX -XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX -XXXX : XX/XX/XXXX, XX/XX/XXXX -XXXX XXXX XXXX : XX/XX/XXXX -XXXX  : XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX : XXXX XXXX XXXX Balance : {$10000.00} CB/XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$470.00} XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX  XXXX XXXX : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$4400.00} XXXX XXXXXXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX : {$460.00} EQUIFAX : XXXX XXXX Balance : {$4400.00} XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX : {$460.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$470.00} XXXX XXXX Balance : {$580.00} XXXX : XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$970.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$110.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$10000.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$460.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX XXXX days after the date of receipt. 

Fair Solution Due negligence of Credit Bureaus. block this data from my credit report, pursuant to section 605B of Fair Credit Reporting Act and send the necessary warning to all furnishers of this data.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I already filled a complaint for my wife line of credit ( XXXX ). Now I have the same or worse problem. We moved to XXXX from XXXX, 4 years ago. Our lines of credits were closed 5 years ago but the bank was charging us XXXX dollars every year. I tried to pay the bank in different ways but none worked. I used bill pay, transfer and wire transfer from XXXX XXXX XXXXXXXX ( my bank ). Nothing worked. I sent XXXX dollar by bill pay, it took 10 days and XXXX had to sent a check because they refused the money. I transfer a XXXX dollars and 10 days after I received a call from Santander asking me what to do with the money ( another check ) Finally, by my bank suggestion, I did a wire transfer for the amount owed XXXX on XX/XX/21 and 2 weeks after the money was back to my XXXX account without any explanation why. I spoke with few CS, few supervisors and finally with a Manager who said that I was receiving a refund for the fees charged. I received the refund but after few days I was charged again making the checking account becomes negative. I asked everybody to close the checking account because was not use for us, Santander DOES NOT HAVE A BRANCH IN SC. They want us to go to RI to close it ( travel expenses are more than a XXXX dollars ). Because they refused the money and reported us to the credit bureau, we decided to use the money to pay other loans that we have, like credit cards and bank loans.

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 2018-10-15
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have know idea where this came from. Some one must've stolen my identity. At the time I was living with my sister I don't know who is impersonating me. I think maybe she knows something about this. I will press full. Charges. This is not my debt. It for XXXX $ at an XXXX XXXX. Original. Creditor is 12 XXXX XXXX. On XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Citizen One Mortgage & Franklin American Mortgage company continued to draw funds through autopay on a loan that had been closed a few days prior. I have no ability to change this autopay now that the loan is paid off. I have no way of knowing if they will withdraw again. The Mortgage company is completely unreachable. There is no way to speak directly to a person, they have a call back feature which never actually calls you back. I've had two separate call backs scheduled that never happened. 

The mortgage was closed on XX/XX/XXXX. 

The company took {$1000.00} from my account on XX/XX/XXXX. 

There is no record from the loan information on their website of this draft. 

I have been trying for 2 weeks to reach the company. I had a call back scheduled for XX/XX/XXXX and one for XX/XX/XXXX. Neither time did the company call me back. 

I'm at their mercy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: Experian Information Solutions Inc.
State: WA
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:
On XXXX I received my dispute results from experian report number XXXX. { see attached X-1 } I had disputed the account from XXXX XXXX XXXX account number XXXX for a major violation of the fair credit reporting act for re-aging the debt. XXXX XXXX XXXX  has validated the on record date of XX/XX/XXXX. Experian also allowed this to remain on the record without properly investigating it. On XXXX I received my dispute results from experian report number XXXX { see attached X-2 } I had disputed the account from XXXX XXXX XXXX account number XXXX for inaccurate info but the on record date Until XX/XX/XXXX. XXXX XXXX XXXX has willfully made false statements to experian about the age of the debt. Experian has failed to investigate properly on my behalf and is in violation of the Fair credit reporting act. the debt has been re-aged and must be removed from all credit reports.

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 2021-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 have tried unsuccessfully to have a re-aged collection removed from my report. I spoke to the original creditor ( XXXX XXXX ) who told me they sold it to a collection agency and then 9 months ago pulled it back and then just recently sold it to another company and it showed up again as a new collection, even though it is over 2 years delinquent. XXXX was not able to give me a copy of my last statement because my account has been closed for 2 years. I was recently denied a mortgage because of it being a new collection, plus it pulled down my score. I have disputed twice asking them to report it accurately. This is not a new collection and the dates should reflect that. In fact I dont understand why they are allowed to pull it back ( their words ) and then put it back on 9 months later as a new collection with new dates. Please help me because I can not even pay off this debt with the reporting info not resolved.

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 2019-02-02
Company: WELLS FARGO & COMPANY
State: GA
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  has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2017-08-05
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I made a payment for the XXXX payment of my mortgage to Carrington MS and onXX/XX/XXXX I made another payment for the XXXX Payment to Carrington MS . Both payments were in the amount of {$1300.00} which leaves XXXX and XXXX  now due.
The supervisor was hostile on the phone when I called to make my payment the second time and told me that I I was past due since XXXX. I disputed that and I submitted a letter to the fax numbers that XXXX, the supervisor gave me for both to receive my statements to be mailed to me and to dispute the amount they are stating over the phone that I owe. I have proof of every payment I have made with XXXX XXXX XXXX and Carrington MS . The supervisor stated that if I did n't make two payments by the end of the month I would be prevented from making any payments at all. Since Carrintgon MS took over my loan for XXXX XXXX XXXX, in one month I am now being threatened with foreclosure. I received only one letter letting me know of the transfer then the letter to foreclose. On Saturday, XX/XX/XXXXI received a letter for the intent to foreclose. Carrington MS was willing to foreclose on my home for two payments behind is unacceptable when I have fought for years to keep my home. I have ever intention of paying my mortgage and find it unacceptable that they can use intimidation and rather than work with me take my home away from my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
Transunion is knowingly reporting a fraudulent items masquerading as accounts on my credit file. I have provided police reports identity theft affidavits. No real investigation was done. Cushman vs transunion. The credit reporting agencies can not merely parrot information they have to conduct a reasonable investigation to insure the honesty and integrity of that investigation. They would have found out this item was fraudulent and there are no contracts

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 2019-02-02
Company: Simon's Agency, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
just recently checked my credit report and found out that this collection agency reported me to the credit agency. I have spoken with this agency representative on the phone and they threaten me with legal action for the bills I do not own.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: IQOR US INC
State: MT
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Allied Interstate has contacted me via mail and telephone to collect on what I can only assume is my student loan. This is a problem as my loan is on a Federal government calculated payment plan of {$0.00} per month. I was called on XX/XX/XXXX, from XXXX ( XXXX ) XXXX, and I spent 11 minutes on the phone with the individual. I had to ask them repeatedly, taking about ten minutes to get an answer, for the name of the company they were calling on the behalf of. I was called on XX/XX/XXXX, from XXXX ( XXXX ) XXXX, and I spent almost a minute trying to get the name of the company from the caller. I wasn't told the name of the company that the individual was calling for. They are spoofing their location, to appear close to my location. One of the many calls not cited above, I answered by saying, " You do realize that spoofing your location to look like you're close to me makes you look quite XXXX, right? '' The man responded by asking me something like, " Wait, you're not in XXXX, CA? '' That's quite indicative of them thinking that I'm in California, and that they want me to think that they are too. The paperwork they have sent me has a request for {$11000.00}. I have repeatedly asked for proof that they own this debt, and they have repeatedly ignored my request. I refuse to hand over my payment information to a company that can not prove that I am in debt to them. I have also received calls from XXXX, CA ; XXXX, CA ; XXXX, UT ; and XXXX, CA. I refuse to answer these calls, as Allied Interstate refuses to prove that I am legally owe them money.

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 2018-07-17
Company: Experian Information Solutions Inc.
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:
XXXX Made A XXXX Dollar Loan In Me And My Husbands Name With Out Ever Speaking To Us With Out Us Signing For A Loan With Out Us Knowing Any Thing About This Loan .Now They Have Slammed Our Good Credit Rating And They Are Calling Us All The Time For Us To Pay For A Loan We Never Asked For Or Never Agreed To! This Is Criminal To Loan Money In Our Name Which We Never Filled Out Any Loan Documents Never Asked For And Never Even Spoke To Us

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