BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-09
Company: MCU Holdings, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Over the course of the last 3 days I have received several unwanted text messages and threatening/escalating voicemails from a XXXX XXXX at MCU in an attempt to collect a debt that I am unaware of and that does not show on my credit report as being held by their company ( possibly attempting to collect on older debts? ). They call from a California number ( XXXX ) XXXX. The first voicemail was left on XX/XX/2021 at XXXX and stated " Yes, good afternoon this message is intended solely for Miss XXXX XXXX, good afternoon my name is XXXX XXXX, I'm calling you from the offices of management capitol united to advise you that my office was assigned with documents currently attached to your name, your date of birth, and social security number. This is a time sensitive matter that requires your immediate attention prior to the station or escalation taking place without your knowledge. Please refer to file number XXXXX. My direct number where you can reach me with Capitol United is XXXX. My direct extension here is XXXX. I look forward to speaking with you Miss XXXX and my name is XXXX XXXX. Thank you.. The second voicemail was left on XX/XX/2021 at XXXX and stated Yes, good morning this message is again intended for XXXX XXXX. This is XXXX XXXX calling you once again from the office of management capitol united and XXXX XXXX in regards to the document sent to your XXXX account on XX/XX/XXXX. I left you several messages in regards to pending escalation here in my office contact touched your name, your date of birth and social security number at this point I was expecting a call back from you XXXX XXXX. I was instructed today to verify employment and run an asset and liability report attached to your name and social security number. If you have any questions in regards to this pending escalation please contact me back. The file number is XXXX, My direct number to reach me with capitol united MCU holdings is XXXX extension XXXX. I look forward to speaking with you and I will be in the office again until XXXX eastern standard time. Thank you.. I do not even have a XXXX account or email address so this is either a scam or bottom feeder collection agency trying to collect on an old debt that has past limitations as MCU is not listed on any of my credit reports as a agent handling a collections account under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. US DEPT ED # XXXX, has violated my rights. And it was reported Twice 15 USC 1681. US DEPT ED # XXXX, has violated my rights. And it was reported Twice XX/XX/2014 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
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:
Mortgage was on a hurricane monitoring and was sold to another lender they knew that we were in this hurricane monotheism and we did a modification but they reported that we had late payments when we never did and we were assured by HUD and our previous lender that nothing negative would be reflecting in the credit but they have yet to remove it

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: The CMI Group, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Company has re-aged a debt and placed it back on my credit reports after being removed multiple times. Re-ageing an account to make it look as if the debt was purchased in that year/month is against the law.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: M.A.R.S., Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Account paid in full in XX/XX/XXXX. The collection was removed and the account went to " closed '' status. Account reappears as a collection in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: JPMORGAN CHASE & CO.
State: MI
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:
Ive noticed that its inquiries on my report that I havent applied for and would like them removed immediately from chase bank XXXX and XXXX XXXX  XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My credit score started dropping at rapid speed on my XXXX XXXX account. When I started to try to find out why, I started to look around and explore more on my XXXX XXXX  app off my phone. Eventually I came acrossed a account for Kohl 's department store that said I had gotten a Kohl 's XXXX account, with a {$300.00} limit. After finding this and stressing and questioning the whole situation for a day. I decided to get back on XXXX XXXX and see what els I could possibly find out and/or what my options were to be able to correct the situation. That's when too my surprise, I seen that the {$300.00} credit limit had been spent! Now I am getting a bill in the mail from a collection agency for {$610.00} and my credit score went from a 600-700 's all the way down too the 400 's. And iv only been to Kohl 's one time in my whole life and that was over 13 years ago and I had ended up getting a XXXX XXXX and put on XXXX  for 2 years and I haven't ever shopped there again or stepped foot in their parking lot, I have not so much as ever even went to their website since then! I need help i don't know what to do or how to go about dealing with this legally or correctly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNT DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2022-08-25
Company: CITIBANK, N.A.
State: IL
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there several inaccuracies showing on my report? 

CITI BANK is in violation of U.C.C 1-308.4, HJR 192, 12 U.S.C 411 , U.C.C 3-603 , and U.C.C 3-311. 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure.

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 2017-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I 've had a capital one credit card for over XXXX years and my annual fee just posted this month. I 've been trying to product change or downgrade the card to a card without an annual fee but they keep saying that it is not an option. I do n't want to pay an annual fee for a card that I do n't use often. I do n't want to close the account because it is my oldest line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX contacted Equifax about the following negative accounts XXXX XXXX  ( Date Opened : XXXX. XXXX, XXXX, Balance : {$2900.00} ), XXXX XXXX XXXX  XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$3100.00} ), XXXX XXXX XXXX  XXXX ( Date Opened XX/XX/XXXX, Balance : {$5700.00} ), XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1500.00} ), XXXX - XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$3300.00} ), XXXX XXXX XXXX XXXX, XXXX ( Date Opened : XXXX XXXX, XXXX Balance : {$310.00}, original creditor XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1600.00} ), XXXX  XXXX  XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$610.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-27
Company: Resurgent Capital Services L.P.
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:
Subject : XXXX - XXXX XXXX XXXX - Acct number ending in XXXX CFPB Case XXXX A review of my records shows that the minimum amount due was paid on the billing cycles date. While all payments were received around the same due date, these payments satisfy the minimum amount due. Because the full minimum amount due is accurate, therefore the account should not reflect 30-days past due and report as such to the consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Bull City Financial Solutions, Inc
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
good day I have contacted company last year to provide information about the debt owed which they supposedly sent me but I have never received information requested. 

I filed the dispute with XXXX and XXXX but those steps did not seem to help to solve the problem. I don't understand how Collection agency is providing Credit Bureau with information but not individual involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: Rocket Mortgage, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This is in continuation of complaints XXXX, XXXX and XXXX. By now, I very well know that I wont get a single penny back from you guys but I wont let you guys off the hook easily. Reason being you guys are so manipulative since the start of the loan process and even now after 3 complaints, you guys are still doing what you are best at i.e., to manipulate the numbers. 

I am not XXXX, the first time you explained the tax credits I got it at that time only and never asked any questions regarding that. And now when you told me that {$500.00} was adjusted against the initial deposit, I wont ask a question on that also. But that {$1000.00} amount which you are telling me is the estimated lenders title policy adjustment credit that is nothing but a blatant lie. In the attached initial estimate, there was no such amount mentioned then how did you come up with that number. There is one amount of owners title policy of {$620.00} but the credit of that is already applied in the estimate which is not a part of adjustments and credits. 

I am saying it again that I know it very well that I wont get a single penny back from you guys because you guys are only interested in coming up with a new story everytime and repeating the same things again and again. If you would have read my complaint every time, you would have not explained the tax credit everytime as I never asked that question except the first complaint. This lenders title policy adjustment was never mentioned in the first 2 complaints and now you floated this term in 3rd complaint. So all I want to know now is what was the calculation logic behind that {$1000.00} amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: Experian Information Solutions Inc.
State: TX
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 disputed several incorrect and inaccurately reported items on my credit report by sending this credit repository a letter last XXXX XXXX, XXXXOne of the disputed items is Bankruptcy : XXXX XXXX ref # XXXXwhich according to the court has been dismissed last XXXX XXXX. This proves that no investigation was done by this company and that their records are outdated. The other items I disputed are listed in the attached files. These are copies of the letters I sent them last XXXX XXXX, XXXX and the letter I am sending them today. Inaccurate and incorrect information such as account opened date, payment history, highest balance, status, closed date etc. are still reporting and violation FCRA, FDCPA and the bankruptcy law.

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 2022-06-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX my father passed away. On XX/XX/XXXX, my mother 's niece transferred {$25000.00} to my father 's brother 's bank account. Again, on XX/XX/XXXX another transaction for {$25000.00} was transferred to the same brother 's account. The grand total was {$50000.00}. My mother 's niece setup the online user name and password for my father, but was NOT authorized on this account as a co-owner. The bank failed to reverse the two transactions and required the only one who they would speak to would be an administrator to the estate. Probate court granted myself as administrator on XX/XX/XXXX. In speaking with the bank, I have been told they can do nothing to reverse these unauthorized / illegal transactions and it is a civil 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 non-monetary relief
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
State: MI
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:
This letter is to delete and update some personal information that is on my credit report ; because it is incorrect, neither it does NOT belong to me. The only addresses that should be showing on my credit report are XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. The name XXXX XXXX is incorrect and needs to be REMOVED. The only telephone number that belongs to me is ( XXXX ) XXXX. The only job that should be reporting is XXXX XXXX XXXX XXXX XXXX. PLEASE REMOVE ANYTHING THAT IS INCORRECT OR THAT IS NOT MENTIONED ABOVE IMMEDIATELY.

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 2017-10-27
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have monthly payment arrangement with Navient for the amount of {$120.00}. Yesterday my account was overdrawn due to Navient 's attempt to withdraw {$240.00}. I contacted the Navient 's customer service and they stated my monthly charges have increased. I informed agency that I never authorized these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: FL
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: Other problem getting your report or credit score

Complaint:
Since the year 2017, Experian, has failed to provide a credit score to potential creditors I have applied for credit. I have many times called Experian and explained the issue but it continues to be outstanding and they do not report a credit score with my social security number and credit file and it is negatively impacting my ability in attaining credit. I am formally requesting the assistance in resolving this issue of not having a credit score being reported with my credit report to creditors seeking to confirm my credit score. Thank You. Most Respectfully.

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 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am reaching out to you for a resolution to issues on my Transunion credit report Ive been trying to resolve with the CFPBs help for 8 months now. The previous complaint ID 's are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX.Transunion removed one of the inaccurately reported accounts but left the other four accounts that are inaccurately reported in the exact same manner were left on my consumer report. These adverse accounts are keeping me from purchasing a new home. They are also refusing to update an account that is inaccurately reporting late payments on their report but is accurately reporting on my XXXX report. They have also refused to give me the detailed investigation documents regarding that account. These issues are causing me emotional stress that caused me to see XXXX  due to my financial situation. I am requesting immediate removal of these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2022-01-05
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

Company response to consumer: Closed with explanation