BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-15
Company: National Credit Systems,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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
National Credit Systems reported in XX/XX/XXXX that I owed XXXX XXXX XXXX XXXX {$8200.00}. I contacted them immediately @ XXXX to find out what this was, that I never lived at a XXXXXXXX XXXX XXXXXXXX XXXX. I was then transferred to the collections supervisor XXXX @ ext XXXX. He told me it was an apartment in XXXX NC, I explained that I have never lived in XXXX NC. He provided me with an account # oand told me to go to IdentityTheft.gov and file a report. I did that on XX/XX/XXXX. I sent National Credit Systems twice a copy of my Identity Theft Gov letter, along with my social security card, drivers license, previous divorce paper, new marriage license, and my last three leases to show that I have lived in XXXX since XXXX of XXXX. I called Nation Credit back in XX/XX/XXXX, spoke with XXXX again and asked him the status of this, he told me that they have been in touched with apartment complex and requested a copy of the lease and a copy of my drivers license and was told by XXXX XXXX XXXX XXXX that they did not have this or any file for me. I asked him why then is this on my credit report and he told me that they have 30 days to provide documentation. I explained that me and my husband are trying to purchase a restaurant, he told me he understood. In the beginning of XX/XX/XXXX I called National Credit Systems back, spoke with XXXX again. This time he had an attitude, I told him that my restaurant deal fell through because of this collections on my credit report. I asked him why has it not been removed he told me that they did not receive a police report with my fraud packet. I told him I don't have to file a police report I am and have been in a different state, that the apartment complex can't even provide a lease or a drivers license that this is not right because this debt is not mine. I told him I was going to file a complaint, and he told me OK do that. Please help me this debt is not mine, they know this and will not remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identify 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 2023-02-25
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Report shows incorrect addresses that are not mine

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 2020-09-22
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Company refusing to remove fraudulent information from my credit report I have filed a identity report online

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 2018-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 requested copies of my credit report from transunion & XXXX XX/XX/XXXX that had many inaccurateies. I called them transuinion to dispute 2 visible items XXXX XXXX ( XXXX ) {$320.00} from XXXX. I was told contact debt collectors and agencies linked to origins of account. I did and was treated very terrible and was given no information from them to verify facts. I called transunion back to update the conversations and to exercise my fair credit reporting rights. They opened their own dispute again for the multiple time. As per the same with XXXX. This is a money making business they want us to struggle and force us to higher 3 rd party law/credit building or repair instututions. I'm XXXX! I can't afford this hassle I filed with the ftc fraud alert as suggested by them and now they say send all this other requested documentations. I'm confused where and when do the rights of a United States citizen go into effect? I have been ask series of authentication questions via the web and no pertain to me. When answered correctly access is denied. Credit monitoring done out side of the United States. Does GDPR apply here? How do I know that the generated questions are nothing more than a trap to suggest worse credit monitoring requirements? They set this up in hope anyone willing to pay their 3rd party agencies to fix false information that has been applied to my credit report? They are not being honest however the little proof I have will not be admissible because they are not based inside the United States. They have lied to me over the phone. They have redirected me. They said things to make me feel like they cared and requested me services that i denied. I want this fixed per myself. XXXX- {$320.00} XXXX, XXXX {$2800.00} XXXX, are not my accounts i have done and ask all the appropriate questions. Results are unsatisfied. I'm asking for backup. My word in writing XXXX XX/XX/XXXX they are not my accounts. XXXX I assume opened them and i asked that they be removed because they are hurting me in my desired time to request emergency funding not available due to the inaccuracies. I read by law these companies can be held liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Security Credit Services, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America closed my account all of a sudden and did not update the reason. I opened a business account and funds have been deposited from vendors out of state. 
They closed all my family accounts including my wife and kids accounts and did not update a reason. Have been trying them since 2021 and there is no update.

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 2021-05-25
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
the company is with XXXX XXXX XXXX XXXX who are reporting multiple late payments when I actually was making extra payments and or higher payments towards my loan by choice to pay it down. regular payments were {$320.00} and as shown in my receipts i even payed XXXX XXXX in some months. others were returned because they would hit my account a long time from when i submitted the payments, however I then made the payments from a different account as soon as i was notified by my bank that it was returned. even still there is no way it was 30 to 90 days late from when i payed from another account unless their own processing ( which is long already ) took that long so i could notice. I'm pretty sure this is false reporting and very bad business. would not do buisnessbwith them again. they also reported a credit card balance in which I was not the primary account holder. they should know that and i think they were trying to see of i would just pay it off. one customer service representative told me it was on my credit for ten years but wouldn't effect my credit. i think this is totally unprofessional terrible business on their part for what seems to be their way of doing business in quickly reporting customers to credit bureaus with incorrect reporting. Also, i have contacted EXPERIAN who has this reported and it's nearly impossible to get them on the phone. they also will not correct the dispute. i find the credit bureau to be very difficult compared to transunion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-05-01
Company: U.S. BANCORP
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Us Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2019-08-21
Company: TD BANK US HOLDING COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is new account, purchased a lawn mower and after a month we still had not received anything from the finance company so we called the place we bought the mower from and they connected us with them, at that time the first payment was already late but we paid almost double and the late fee was waived. 
We still have not received anything from them. 
There is no way to contact anyone and emails are ignored. 
I set up my bank account and is was verified, I set up automatic payments and all seemed well, until the next scheduled payment, they didn't take the payment and charged me a late fee. 
I tried several times to get things verified but there is no way to talk with anyone. 
I still have no idea if it set up right and may incur another late fee. 
I don't believe it's my fault, the website is confusing and with no way to talk to anyone or have an email answered it seems like a scam. 
They do it this way to collect late fees. 
It's ridiculous. 
I only want to verify that things are set up right and refund the late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-24
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Two problems. The first is that the funds are being miss managed. There will be money missing with no accountability for where it has gone. I can check my growth, reserve, and spending with no evidence of where the money has gone. I legit took all my money out of this bank and went over to XXXX. It has been about 2 years of this nonsense. 

The second is that I have an important dispute that is going nowhere. I made a purchase and submitted a better business bureau complaint and FDIC complaint and even return the product with no refund in sight from the company. The company is horrible at managing disputes all these months later from prior disputes. I am not sure why I am reaching out over the same issues and concerns. When will the problem be resolved? 

I have removed my money to a safer bank and hope these final issues can be handled so I can close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Was told incorrect financial information about my account several times by customer service on a recorded line. They later admitted ( on another recorded line ) that they gave me incorrect financial information and were rude and unhelpful when I asked for a basic resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Texas Guaranteed
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My complaint revolves around the severe financial, personal, and career consequences I incurred due to false and misleading information provided to me by Texas Guaranteed. For years I was making payment on loans of about $ XXXX with a monthly payment of {$300.00}. Around late XXXX I started falling behind as I received a severe paycut at my job of about 20 % due to loss of bonus at XXXX XXXX.I contacted Texas Guaranteed numerous times and each time they said I had already exhausted all options and there was nothing I could do. I was still paying though even if late. Eventually I could not keep up and tried to find another solution as lates were starting to impact my credit rating. No one ever returned my call. A few months went by and I finally gathered a few hundred dollars by selling off personal belongings. I called to try and make payments and I was denied. They wanted ALL payments that were past due. This was not possible as I had just a few hundred not thousands of dollars available. 
As a consequence I was advised to wait a few months because they had another solution for me. Their " solution '' come to find out in late XX/XX/XXXX was that they had filed for a WAGE Garnishment! They immediately started taking {$650.00} per month which was over DOUBLE my regular payment of {$300.00}. I called again pleading for help. They said this was the only route to reinstate a good standing and then conned me for MORE money. They said I had to pay another {$120.00} per month penalty as well. So all in for almost a year they took $ XXXX per MONTH. 
As previously advised I was already lacking enough funds prior to any of this. This lead to defaulting on all my credit cards as I simply didnt even have any money after rent and student loans and barely any food to eat. 
After a year they stated congrats you are back on track, we will remove garnishment. However they had ADDED nearly $ XXXX as a " Collection Fee '', So aside from wrecking havoc to my credit forcing me to default, losing 60 lbs due to near starvation, losing apartment and living in my van they ADDED $ XXXX after I had already been garnished/paid nearly $ XXXX! 
This damage continues to this day. My student loan is now being serviced by another but it reflects an LTV of over 130 %. This loan has been negatively amortizing even though Ive been paying for nearly 2 decades!!! 

I need all this investigated, fees/penalties removed, lates corrected and compensation for ancillary impacts such as credit decline, increased cost of borrowing, homelessness ( due to forced garnish ), and overall lying and stealing tens of thousands from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: Eagle Home Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We were in the process of purchasing a home in XXXX, CA. We submitted an offer on XX/XX/XXXX. The listing agent required buyers to obtain cross approval with their designated lender " XXXX XXXX at Eagle Home Loan. Which we did. There was apparently multiple offers on this property. After approximately a week with no response from the listing agent, our agent received a call from the listing agent 's designated lender XXXX XXXX who indicated that if we ( buyers ) would use his company to handle our mortgage financing the listing agent would choose our offer. We told the listing agent we had full approval at our current lender ( XXXX ), however we said OK we would use their lender. Sure enough, we received a response indicating an acceptance of our offer. 

When it came time to remove the loan contingencies, XXXX ( Eagle Home Loan ) still did not have loan approval. He assured us he would get our loan approved. So we removed the contingency which exposed our earnest money deposit. In the meantime he had us jump through a bunch of hoops that cost time and approximately $ XXXX. When it came time to close escrow, he still did not have loan approval. We ended up paying a {$100.00} per diem to the seller to extend the escrow closing date. Two days before were supposed to close escrow on the extended closing date, XXXX said he could not do our loan. At that time we switched back to ( XXXX ) our original mortgage company onXX/XX/XXXX. XXXX was able to get the loan approval and funded in 17 days. 

Our complaint boils down to two issues : 1. Eagle Home mortgage mislead us and it cost us needlessly {$2900.00} ( per diem ). 

2. When we advised XXXX XXXX at Eagle Home mortgage, that we switched lenders, he sent an email to the listing agent stating ( XXXX ) our lender could not approve our mortgage in an apparent attempt to sabotage our escrow. Which could have jeopardized the purchase of our home and cost us our earnest money deposit. 

We would like the lender ( Eagle Home Loan ) to refund the {$2900.00} Per diem we needlessly paid. And we think people should know about the dishonest practice of this lender. 

Post script : Our original lender was indeed able to complete our mortgage approval and we closed escrow.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Westlake Services, LLC
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: Account information incorrect

Complaint:
The vehicle was a total loss on XX/XX/2023 and was reported. The insurance company of the vehicle paid {$12000.00} and now I have been waiting for the gap insurance from us auto to pay the remaining. The problem is us auto went out of business and its reporting that I missed a car payment on XXXXXXXX XXXX Since XX/XX/XXXX, when my car was totaled I am not required to make any more payments. Can you please help me get this resolved on my credit report. Thank you kindly

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: EQUIFAX, 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:
I have attached an FTC report with inquiries I did not authorize and they need to be deleted they are affecting my life

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: Advanced Resolution Services Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
OnXX/XX/XXXX I mailed a letter to Advanced Resolution Services ( ARS ) requesting a Security Freeze and informing them that I could be a victim of identity theft. I attached all required documents in order to allow ARS to verify my identity prior to processing my request. OnXX/XX/XXXX, I received a response by mail stating that my request was denied because a signature was not provided. OnXX/XX/XXXX, I mailed a second letter with the required documents reattached and demanded my request be processed as a signature is not required by any regulatory body as a method of uniquely identifying an individual. OnXX/XX/XXXX, I received a second letter from ARS denying my Security Freeze request. The second letter I received provided no direct response to my challenge regarding the signature and therefore provided no reasonable path to a solution. XXXX had no problem fulfilling my request without a signature. I provided the exact same information to XXXX and they complied quickly and professionally. ARS has compromised compromised my livelihood and violated my rights by denying my right to a Security Freeze. I have attached copies of the correspondence and evidence I provided to ARS with each of the two requests. I simply want my request to processed as ARS is legally required to honor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: EQUIFAX, INC.
State: NE
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 credit bureau is reporting a collection account with XXXX XXXX XXXX on my credit report. This is not my account and I have disputed to account several times with the credit bureau and the creditor.

Company response to consumer: Closed with explanation