BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-28
Company: FinCo Services Inc DBA Current
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Yes so Im having a problem with two banking institutions one is XXXXXXXX XXXX and XXXX current bank also known as XXXX XXXX 1.My complaint against XXXX XXXX is that fact that on XX/XX/XXXX I was realsed from XXXX and finally was able to obtain my personal belongings when I notice I had a lot of unauthorized activity on my account so I follow the basic steps and filled a dispute I provided them documents of me being in XXXX  during the time of the activity and all the documents they ask and was denied and was told no errror after providing them documents so I had to go through the merchant that seen and found the person info that stole my information and used my funds and told me I have to go through my bank to get my money back so I try contacting them again and inform them and they said they decision is final wich isnt fair cause there banks that give u the option to re file on top of that I provided documents so how was even denied and then they just closed my account down and gave me no reason behind it and its wrong and I need help retrieving the money owed to me Which is XX/XX/XXXX in the amount of {$2000.00} 2.My complaint with XXXXXXXX XXXXXXXX is that i had an issue where someone stole my personal identity information and gain access to my account and again I did the proper thing file a dispute and provided the information as told wich I did And they promised to give my funds back and they still havent give anyyhing or help out in no way and every time I call someone doesnt know what Im talking about but they owe me 0n XX/XX/XXXX in the amount of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
They removed it and then never contacted me again and now its back when Im trying to correct my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: NVR INC.
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I put a contract on new home at XXXX XXXX in XXXX XXXX Virginia on around XX/XX/2021 I was told that I had a derogatory item on credit by NVR mortgage and that it needed to be removed before closing. It was an erroneous item so I had it removed from my credit report. Now they are refusing to close and refusing to refund my deposit and harass me over the phone ( I have voice mail message from manager saying inaccurate derogatory statement ) and threatening not to give me me deposit back of XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I would like to have a Fraud Alert removed for my legitimate account XXXX XXXX XXXX / XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. I was contacted by the credit bureaus about my account that I never filed a dispute over. My account has been in good standing since

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 2019-06-06
Company: Experian Information Solutions Inc.
State: CA
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:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts are showing as having late payments when its not even true. I was never late on my payments..I 've been denied credit because of this erroneous information ..Please fix XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX XXXX got a copy of my credit report without permission. I contacted them to inform them they had done this on two separate occasions. They stated they would investigate yet when I got their response letter which I have attached all they did was provide me an unauthorized copy of credit report which they purchased through XXXX. They have NEVER investigated this and each time I have contacted the credit bureaus they have failed to investigate this matter.

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: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX 2021 XXXX XXXX sent a debt collections letter claiming there is a balance of {$620.00} cents from a loan they purchased from XXXX XXXX. On XX/XX/XXXX CAPIO PARTNERS reported to the XXXX Credit a bad debt of {$2200.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-19
Company: AmeriCollect
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My idenity was used to get medical care from XXXX XXXX XXXX XXXX XXXX. I have never received medical care from this company. The account was sent to Americollect and it is seeking a payment in the amount of {$220.00}. I request that Americollect terminate this account and stop sending payment request for said account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I attended the vocational school from XXXX - XXXX. I was told that it was an accredited school so I took out a loan to cover the tuition. I believe the estimated cost of the school at the time was {$30000.00}. There were 8 semesters over the course of 2 years. I've only received one refund over the course of two years and it was only because I went down the registrar 's office to inquire. I received my only refund in my 8th semester. I graduated shortly afterward when I had heard the FBI had closed the school down for illegal activity. Some time had passed and I received a letter in the mail regarding a class action lawsuit.  Unfortunately, by the time I discovered the letter I had missed the window to participate in the lawsuit. Not mention, when I tried to pursue another degree, I found out my degree from XXXX XXXX XXXX was not accepted by any college or university I applied to. I had to start completely over meanwhile, years of interest accrued for an education I feel has caused a questionable amount of debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: NRA Group, LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have reached out to this organization several months ago regarding this debt, however they have not responded and this account is being reported on my credit report. I wish to resolve this debt as quickly as possible. I sent a certified letter on XX/XX/2021.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Midwest Recovery Systems
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: Information belongs to someone else

Complaint:
I check my credit report every month and i just saw this company report to XXXX and XXXX that I owe a debt to this company. There was no phone number, info of the date or whatever on my credit report except an amount of XXXX dollars. i called them and they asked me for all my info, Birth date, social, address, ect.. I gave it to them. they said that they were collecting for a payday loan that was requested in my name in XXXX 2013, I told them that this was not me. I asked for more information and they told me that the only info they had was from the payday loan company was " word '' of mouth that this was my debt and that i needed to get a police report and send to them that it 's a fraudulent charge. They do n't have any other information to give me. i asked them to verify with the original company anything that states this was mine and they said they did n't have anything other than " word '', so i 'm supposed to call the police dept and say that someone used my name 4 years ago??? really? I had no phone calls, nothing from this so called payday loan company. The CSR agent was rude to me and accused me of lying about this. I am so blown away that something like this is able to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2021 I received a letter stating my XXXX credit card account was closed due to lack of real estate which makes no sense since i didnt have real estate when i got the card. No other notice or warning - and now my {$5000.00} limit is gone and my credit report shows account closed by guantor which hurts my score overall.

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 2020-11-18
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
This ordeal started back in XX/XX/2020. I was approved for the tax expemtion in FL and I wanted to inform my mortgage company of the changes. Unfortunately, I made so many calls and spoke to so many rude and incompetent people that I got so fed up. Luckily I spoke to the only knowledgeable Supervisor in that company XXXX/ID XXXX he explained that they have to recieve the bill from the tax collector and once they recieve it they will review and do a new escrow analysis which will lower my mortgage payments. He said I should call back in two weeks which will be the middle of XXXX. Well I decided to call back in beginning of XXXX. I called over 15 times and explained that my taxes has decreased and I need a new escrow analysis done. Well it went on deaf ears every representative I spoke with was useless. The all submitted multiple task/ticket that wasn't done or cancelled out. Well on XX/XX/2020 I called and spoke with XXXX/ID XXXX and told her the situation she said that another task will be submitted and I should call back in 24hrs and it will be completed. I called back the next day and spoke with a representative and she explained the break down of the new mortgage payment. At that time I noticed the escrow analysis was not accurate. My PMI/Mortgage insurance was paid in XXXX in the amount {$810.00}, which will be {$67.00}. 61 monthly. However, the mortgage company has been charging me {$840.00}, which will be XXXX I tried asking the rep why is this information incorrect and I didn't recieve a proper answer. Looking back at my escrow analysis back in XXXX it stated my PMI/Mortgage insurance is {$810.00} but the company continues to charge me an extra {$2.00} and I'm not sure where the funds is being disbursed..This is fraud stealing my money monthly and no one can tell me where my {$30.00} went for the past 11 months .. I called another 10 more times and another ticket/ task was submitted and the rep requested a supervisor to call me back and no one called back and the issue was not fixed ..once the escrow analysis was done on XX/XX/2020 it shows my PMI/Mortgage payments is {$840.00} which is wrong ..they quoted my new monthly payments should be {$1500.00} which is wrong .. the correct monthly payment should be {$1500.00} once they adjust the amount of the PMI/ Mortgage insurance payment monthly ..Im tired of calling these people I wait an hour to get a representative and the rep don't even look at the account and say a supervisor will call you. I'm already seeking legal counsel this company is ridiculous. My job is not to make sure my payment is distributed accurately. I want this fix like yesterday.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
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: Public record information inaccurate

Complaint:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are 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 2019-06-06
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove 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 response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Over the years XXXX XXXX  would remove and then replace back on my credit file. This causes my fico score to go down. I am never given my fico points back. They also dont show correct balance. I always dispute with Equifax and company but they just shift the blame leaving me to suffer the damage of a bad credit score. It has happened again today XX/XX/2020. I put another dispute in today.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Requested reports by clicking on XXXX  on Washington State Attorney General 's credit site. Requested report on XXXX. Requested XXXX report. Made possible error. Did not select XXXX XXXX XXXX as my bank because as far as I know my bank is XXXX XXXX XXXX without the " XXXX ''. Then informed I could not get my report online and I had request a hard copy to be mailed to me. Called XXXX to get a copy. Only options are automated. Ca n't get operator by pressing " 0 ''. At the end of slogging through the data entry and/or voice entry ( half of which apparently could not be understood ), I pressed the wrong number when asked if I was the blind. When asked if I needed a report for the blind I pressed the key for " No ''. No confirmation from them so I am not sure what I will get from them. Next I went back to the XXXX website and went to the " Contact Us '' page. No option for a phone call to a human so I requested the " Comment Form ''.
Filled out the form saying I was not blind and want the report for people who can see. When the comment was submitted I got a reply saying " thank you for your comment '' so who knows if any action will be taken.
I know I am not the only lousy typist out there. Others could easily be caught up in the unhelpful loop. It seems to me that this whole process was set up in a very unhelpful way. It is almost as if they set it up for requests to fail easily. I have seen much better process flows and options for error correction.
Thank you.
P.S. This was all online or by telephone so I have no documents.

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 2020-11-18
Company: U.S. BANCORP
State: IN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I received a card in the mail from US Bank ReliaCard. I did not request this card and have not been unemployed. I am a retired senior citizen. This is clearly identity theft and fraud. I tried to call US Bank to shut the card down. Their phone tree does not offer any options for this situation. There are many articles on the internet about this scam. There appears to be no way to shut this fraudulent card down. I need help to get to the right department to stop this 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 2018-10-02
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted this company several different times and have asked for the original contract with my original signature on it, I have yet to receive any of this and it's been well over 30 days.This is an invalid account with inaccurate information in it and I demand this be removed from my credit report.Its ruining my credit score that I've worked hard to build.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: I.C. System, Inc.
State: TX
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:
I submitted a complaint with the CFPB ( XXXX-XXXX  ) on XX/XX/2021. I.C. Systems stated Our records indicate the account has been disputed but its still reporting on my accounts. 

I know my rights and I know I have to give permission for someone to obtain my credit report. I did not give I.C. Systems permission to obtain my credit report file. I do not have a transaction with I.C. Systems or an account. I have to provide I.C. Systems with legal power of attorney or a notarized consent letter giving authorization for them to act on someone behalf and I NEVER gave I.C. Systems permission. 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports, states In accordance with the written instructions of the consumer to whom it relates.

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 2020-10-23
Company: CITIBANK, N.A.
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 have been a Victim of ID Theft and multiple Inquiries are reporting on my XXXX credit report from CitiCard, Exxon CitiCard, THD CBNA, and Best Buy CBNA. I have enclosed a letter with the dates of each occasion. I have contacted XXXX  explaining the situation and they have referred me to CitiCard to have the fraudulent inquiries removed. I contacted CBNA and they are not helping me to resolve this issue. The multiple fraudulent inquiries are hurting 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 non-monetary relief