BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XX/XX/2021, Transunion credit bureau failed to update my score accordingly although I notified them in XX/XX/2021 that I no longer had an auto loan balance at XXXX XXXX XXXX due to the vehicle being paid off. In addition, Transunion failed to update my score in which a debt with XXXX XXXX in the amount of {$750.00} was removed from credit report but did not increase my credit score.

There is an ongoing issue in which Transunion quickly decrease my credit score but fails to increase my credit score when accounts are improved or paid off.

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 2020-01-28
Company: Experian Information Solutions Inc.
State: IL
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:
In XX/XX/XXXX, I bought my house through a company called XXXX XXXX XXXX, they sold the loan to a company called XXXX XXXX XXXX  they report me on the credit report at XX/XX/XXXX. in XXXX another company report me to the credit report that called XXXX XXXX XXXX XXXX. now the situation I have on my credit report two mortgage loans two companies claim my loan. 
- what I did? 
1- I called XXXX XXXX XXXX  they inform me that they will sold the loan to XXXX XXXX XXXX   XXXX. on XX/XX/XXXX not in XX/XX/XXXX and they collect my payment until XX/XX/XXXX. 
2- I called XXXX XXXX XXXX XXXX. they claim that they own the loan from that date and they able to report me to the credit bureau since XX/XX/XXXX. 
- current situation : 1- two company claim my mortgage 2- because of the big amount reported to the credit report my credit score went down 36 point. 
3- I can't take any loan because of the big decrease in my credit score.

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 2020-01-28
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I took a mortgage in XX/XX/XXXX, I bought my house through a company called XXXX XXXX XXXX, they sold the loan to a company called XXXX XXXX XXXX  they report me on the credit report at XX/XX/XXXX. in XXXX another company report me to the credit report that called XXXX XXXX XXXX XXXX. now the situation I have on my credit report two mortgage loans two companies claim my loan. - what I did? 1- I called XXXX XXXX XXXX  they inform me that they will sold the loan to XXXX XXXX XXXX XXXX. on XX/XX/XXXX not in XX/XX/XXXX and they collect my payment until XX/XX/XXXX. 2- I called XXXX XXXX XXXX XXXX. they claim that they own the loan from that date and they able to report me to the credit bureau since XX/XX/XXXX. - current situation : 1- two company claim my mortgage 2- because of the big amount reported to the credit report my credit score went down XXXX point. 3- I can't take any loan because of the big decrease in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: BARCLAYS BANK DELAWARE
State: TN
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 a trip to XXXX on XX/XX/2019, I had an eight hour layover in XXXX. I used my credit card in a few places, however they were 12 ATM withdrawals that I did not do. 4 at one bank in 4 minutes on XX/XX/XXXX, and the other 8 at another location bank in 8 mins on XX/XX/XXXX. A transaction every 60 seconds. I actually left XXXX early evening in the XX/XX/XXXX. Initially the credit card company credited my account and told me it was a computer glitch, then they reversed it and put the charges back on my card. I have called them numerous times and tried to explain I was in XXXX when the withdrawals were done in the XX/XX/XXXX. I even used my card in XXXX. I was told by a supervisor that I could have given someone my card to use and then they brought it over to XXXX. Its absurd what I have gone through with Barclay. I have even called one of the Barclay banks in the XXXX where one of the ATM transaction was done but they told me Id have to go through my bank in in the US. I know the banks in the XXXX would have cameras so if someone did use the atm with a cloned card they could be identified. I just cant get a sensible person at Barclays to talk to. Our many conversations go round in circles with them telling me I probably gave my card to someone to use. I have been with Barclays for several years and Ive never missed a payment or had an issue, but they are just refusing to help me with this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-29
Company: National Check Resolution Inc.
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX from National Check Resolution Inc. ( XXXX XXXX XXXX XXXX Georgia XXXX Phone : XXXX Fax : XXXX www.nationalcheckre.com ) left a voicemail on a third party ( a relative 's ) phone saying I have an unpaid balance with XXXX and stating that if I did not call them within 48 hours, that they will start a liability investigation on me and my company, leaving the case number and phone number. 

This is the SAME DAY as when they had contacted me via email with the boilerplate notification of said debt with the 30 day notice to dispute said debt. 

These practices of communicating private information run afoul of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
Disputed credit card original purchase in a timely manor. Original purchase date on or about XX/XX/XXXX, in the amount of {$62.00}, merchant XXXX XXXX. Capital One did a transaction re billing of the {$62.00} on or about XX/XX/XXXX without any prior knowledge on my part. I am providing substantial proof of an attached tracking page from XXXX, the pages show two different tracking numbers of items returned to the merchant. The merchandise was returned to the Dock and signed by XXXX on XX/XX/XXXX at XXXX XXXX. ( corporate office location of this merchant/warehouse is XXXX, IA-as the attached tracking information shows ). As in any normal business practice, credit was supposed to be issued to the : Original Payment Method. No mention or instructions were made by the customer to issue any other types of merchandise credits.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I have never been late sine the opening of this loan in 2017. The XXXX  was stolen and while learning the process of dealing with insurance and gap, the loan company, Fifth 3rd Bank took a long time to submit the requested documentation to the insurance company, after several attempts from XXXX XXXX, the paper work was submitted and their portion was paid. Gap kicks in after this and while awaiting, a payment was missed and Fifth 3rd Bank reports me to the credit report. Not a phone call, not a letter requesting payment. I feel unjustly reported and an unappreciated customer after paying over the minimum due and on time for 3 years

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: EQUIFAX, INC.
State: DE
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:
There was a collection placed back on my credit report after being disputed last year and REMOVED. The collection was placed back on my report XXXX XXXX. Now from I understand if a collection is removed and is being placed back on my reports I have to be notified by the credit bureaus. I was not notified of anything. Equifax removed the account in XXXX and XXXX  and XXXX  was removed in the summer of 2020. I have taken a nose dive in my scores because this account is inaccurately reporting. I called XXXX  and was told they never removed the account, its always been on my report. I sent the bureau all the report numbers that i received last year without that account in there. At this point I want everyone to follow the rules. The law is in placed for a reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
After paying my balance in full, my XXXX XXXX Account showed a {$2.00} fee for minimum interest! I couldn't believe it so I called the company to complain and close my account. The telephone customer service line asked why I was calling, then asked for the last four digits of my SSN, which I provided, and then asked me to hold. After 5 minutes of no response I hung up and went through the same process a second time. 

This account was reactivated when I was on vacation in Colorado several months ago. The XXXX 's clerk who " reactivated '' my account rather than have me use XXXX XXXX or XXXX, never explained these fees. While I enjoy my purchases, I feel tricked, and this isn't even 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 monetary relief
Consumer complaint received 2021-02-09
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 I learned that my property taxes were not paid. I called US Bank to see why it had not been paid they stated they received a bill for XXXX dollars. I informed them that it had to be a mistake and they should have contact the county. As of today US bank has not informed me that there was an issue with the taxes. Even after I spoken to numerous representatives from that company. I am highly disappointed with this company Im a service member just returning home from an XXXX  XXXX and I come home to this mess.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
THIS IS NOT A DUPLICATE COMPLAINT. 

Capital One is NEED to be held accountable for their actions. I need to know why as the customer, that I need to ask another company for a THIRD PARTY LETTER HEAD to prove an item that I thought I was purchasing. I WANT MY MONEY BACK!!!!! I will sue them if I have to, it's the principal of this. I paid for an item, it wasn't what I ordered, the website was bogus. I thought Capital One would have my back, they instead threw me way underneath the bus. I've attached my purchasing receipt, a picture of the original item and the picture of the item that I received. All I wanted was a refund for an item that I did not order ... NOTHING MORE!!! I'm livid that everyone is siding with Capital One on this and this bogus XXXX company that DOES NOT EXIST. I contacted the Ombudsman and I actually thought that this would give them a swift kick in the rear but it didn't. They're not giving you'll the full story and if I have to go a New Station and tell my story I will, someone will here from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NC
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a student loan with XXXX that is currently past-due. When I called to bring my loan current, the reps at XXXX connected me with a collection agency ( named Heartland ), and told me I had to deal with them. I have attempted several times to make a payment with this collection agency, and they refuse to accept a payment from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 5 ) ( A ) ( i ) state that if you are unable to provide Verifiable Proof then you must DELETE the incorrectly reported public record items listed below immediately. 

THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Bankruptcy : Discharged CHXXXX. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2019. 
2. Bankruptcy Chapter 7-Discharged. THIS ITEM DOES NOT BELONG TO ME!

Reference # XXXX. 
Inaccurately posted on XX/XX/2019. 
3. Chapter XXXX Bankruptcy-Discharged.. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX Inaccurately posted on XX/XX/2019. 

I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ).

Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful. 

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/2019 ( Reported Identity Theft )

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 2021-02-09
Company: National Credit Adjusters, LLC
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I paid a XXXX XXXX loan back in XX/XX/XXXX off. I was told when I contacted the parent company I had to debts. I was unaware of it. I made plans to pay off the XXXX XXXX. The lady informed me of the other one. I explained to her I did not remember that debt from 6 years ago. She told me it was XXXX XXXX. I told her to let me pay for this one. She threatens me with we are just going to report you. I have been receiving the calls of hang-ups from a XXXX area code number three times a day on my cellular phone. On today I got a call from XXXX who attempts to refuse whom and where she was calling from or for. I told her this is apart of the parent company that has the XXXX XXXX loan I paid. XXXX claims they just got the debt. I did not receive a letter or anything for this debt. XXXX claims I open this loan on my Birthday XX/XX/XXXX. I would have remembered a birthday loan. They have my phone number from the threatening company over XXXX XXXX. The call came in from National Credit Bill collector XXXX at XXXX. This is aggressive along with those consistent phone calls on cellular. the FDCPA was been broken.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2021-02-09
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
I checked my XXXX  and XXXX reports. There is a hard inquiry from a company called XXXX XXXX. ' This company has no contact info for me to investigate the inquiry. I have not applied for any credit card or loans recently or within the last two years. I believe this inquiry is fraudulent. The only application I submitted to any company was a wells Fargo mortgage application, however, I did not request to have any credit checks, yet. I never spoke to anyone from the company. I only ask to speak to a mortgage loan officer to discuss possible 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 2018-07-05
Company: Rocket Mortgage, LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I contacted customer service for my mortgage co. on about XX/XX/2018. I had received an escrow analysis, which showed my account in the black ''. I asked the agent if I could pay extra escrow in order to maintain my same monthly payment. I had done this same transaction on my escrow account two years before ( to keep my payment at the same amount as previous year ). However, the agent said I could not contribute to my escrow and my payment would be going up XX/XX/2018. So, I told the agent that if over this year I contribute extra to my escrow in order for next years ' escrow analysis to show I have enough to cover any increase in tax or insurance. The agent said that no matter what I did to my escrow account, if tax or insurance increase each year, your payment will increase each year. I asked the agent if I had {$400.00} surplus in my escrow and my payment was to increase {$20.00} per month, my escrow would more than cover the increase even by keeping my monthly payment the same. to me this does not make sense. I want to keep my payment the same, as I am retired and on a fixed income. If I have some extra money during the year and what to put it in to extra escrow, so that my payment will remain the same ... .what is wrong with that?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: CITIBANK, N.A.
State: PR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The company closes my account without my consent. I will not pay them. I want you the company stop calling me.

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 2021-02-09
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX is saying that I owe {$4800.00} when I already settled the debt with them for {$1600.00} back in XXXX. My credit score is starting to fall and debt has increased on all three of my credit bureaus. This is false information. The company they used to collect the debt was XXXX XXXX. The charge shows on my bank account on XX/XX/XXXX through XXXX XXXX. Somehow this debt has returned. Please help. 

Here is the company in question : XXXX XXXX XXXX  Here is the company they used to collect the debt : 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 2020-05-24
Company: Avadyne Health Holdings, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX to XXXX I have had H & R appear in my credit report I have disputed these charges. It is constantly being put on to my credit as new after its disputed and deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 accounts listed are not my accounts, and maybe someone elses. Please remove them. XXXX Claims true identity fraud/account fraudulently opened.

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