BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$3400.00}

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 2022-06-07
Company: EQUIFAX, 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: Account information incorrect

Complaint:
EQUIFAX INFORMATION SERVICES, LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX ACCT # XXXXXXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX. Fl. XXXX DEAR SIR/MA'AM, I XXXX XXXXConsumer to XXXX am writing to XXXX several incorrect/inaccurate, incomplete items listed in the above-referenced XXXX ACCT. XXXX, EQUIFAX, AND XXXX are each reporting completely different information in several sections within my Consumer Reports. XXXX, EQUIFAX, AND XXXX EACH FAILED TO MARK THIS ACCOUNT AS DISPUTED PREVIOUSLY AND DELETE IT IMMEDIATELY. If each agency is reporting accurate, complete, correct information how is that? PAYMENT HISTORY IS COMPLETELY INCORRECT, INACCURATE, AND INCOMPLETE. XXXX SHOWS NO HISTORY AT ALL, XXXX SHOWS YEARS OF CHARGE-OFF STATUS, AND EQUIFAX SHOWS YEARS OF ALL ON-TIME PAYMENTS. DATES LAST ACTIVE LAY DORMANT AS IF THE ACCOUNT IS JUST PARKED HERE TO CAUSE A NEGATIVE ALGORITHM FEEDBACK. EACH AGENCY HAS A COMPLETELY DIFFERENT DATE HERE AS WELL. ONE OF THE BIGGEST VIOLATIONS OF THEM ALL FROM XXXX, EQUIFAX, AND XXXX COMMENT SECTIONS DOES NOT SHOW WHERE I PREVIOUSLY DISPUTED THIS ACCOUNT SEVERAL TIMES. THE LAST DATE REPORTED IS COMPLETELY DIFFERENT ON XXXX, EQUIFAX, AND XXXX. HOW CAN THIS BE IF EACH AGENCY IS REPORTING ACCURATE, COMPLETE, CORRECT INFORMATION? PAYMENT STATUS IS A CHARGE OFF AS INCOME IS NOT ALLOWED TO BE REPORTED ON ANY CONSUMER REPORT YET EACH AGENCY STILL REPORTS THIS ACCOUNT. THE PAST DUE AMOUNTS ARE INCORRECT, INACCURATE, AND INCOMPLETE OF XXXX, EQUIFAX, AND XXXX. THE HIGH CREDIT SECTION IS INCORRECT, INCOMPLETE, AND INACCURATE ON XXXX, EQUIFAX, AND XXXX. THE BALANCE SECTIONS ON XXXX, EQUIFAX, AND XXXX ARE ALL DIFFERENT, INACCURATE, INCOMPLETE, AND INCORRECT. THE ACCOUNT NUMBER FOR THIS ACCOUNT IS DIFFERENT ON EACH AGENCY 'S REPORT AS WELL.XXXX, EQUIFAX, AND XXXX HAVE TOTALLY AND COMPLETELY NEGLECTED THIS ACCOUNT IN EVERY WAY POSSIBLE. DUE TO SO MANY INACCURACIES AND MORE IMPORTANTLY XXXX, EQUIFAX, AND XXXX ALL FAILED TO MARK THIS ACCOUNT AS BEING DISPUTED PREVIOUSLY. PLEASE PERMANENTLY DELETE/REMOVE THIS ACCOUNT FROM MY CONSUMER REPORTS IMMEDIATELY. 

IF YOUR AGENCY FAILS TO COMPLY WITH THE BEST METHOD TO RESOLVE THIS ISSUE BY DELETING THE ENTIRE ACCOUNT IMMEDIATELY. FOR SEVERAL FCRA VIOLATIONS PLEASE SEND IMMEDIATE CORRESPONDENCE AS I WILL MOVE ON TO FURTHER ACTIONS. CURRENTLY, YOU ARE IN VIOLATION OF THE FCRA AS PER USUAL CEASE ALL CONSUMER REPORTING IMMEDIATELY. 

COMPLAINTS SENT TO EACH COMPANY ARE LISTED BELOW Federal Trade Commission ( FTC ) Consumer Financial Protection Bureau ( CFPB ) State Attorney Generals Office

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Saturday, XX/XX/XXXX, XXXX XXXX XXXX XXXX, my in-law, attempted to deposit three ( 3 ) paycheck stubs to a Citizens Bank ATM XXXX The ATM accepted two ( 2 ) of the three ( 3 ) checks. Subsequently, XXXX XXXX XXXX XXXX, his son, XXXX XXXX XXXX, and I telephoned the Citizens Bank phone number on the back of his checking accounts debit card. The polite and courteous staff advised us that : we would need to wait three ( 3 ) business days to witness the posting of the transactions as the deposited checks were in pending mode. 
At that time report the matter again. 
no supervisors were available to override the Citizens Banks databases unduly restrictive policy of waiting for transactions to post before taking action. 

I corresponded via email to the Citizens Banks CEO and Board Chair, XXXX XXXX XXXX to alert him to the inconvenience. I requested an immediate response for Monday, XX/XX/XXXX, the first workday since the ATM transaction failure. My electronic letter was to avoid our considerable inconvenience to : wait for Wednesday XX/XX/XXXX at an hour available to reassemble XXXX XXXX XXXX XXXX, his son and myself dial and protract time for a telephone agent to present themselves on the line request a translator for XXXX XXXX XXXX XXXX authenticate the account with XXXX XXXX XXXX XXXX proceed with the complaint to : request adjustment to the third ( 3rd ) check fee to deposit as over XXXX dollars not three ( 3 ) cents as the receipt shows. 
Ensure that Citizens Bank fixed the local ATM

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2023-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
Capital One used my son 's SSN to report he has an account opened for 6 years, however, that is the amount of time I had the credit card. I requested a card for my son and at the time ( XX/XX/2022 ) was advised by the Capital One Rep that I did not provide the SSN. I told the rep, it I did then I wouldn't want to move forward with the request because I did not want my credit and my son 's credit comingling. The rep ensured me there were multiple ways people could do that and XXXX for the minor was not needed. 
My son is now XXXX and I ran his credit report and found that Capital One reported the card on my son 's credit report and stated the card was opened for 6 years. That's my info. 
I explained that I did not give permission to Capital One to use his SSN and requested they remove the content from my son 's report. They are refusing to make the situation right. They said I didn't need to provide his SSN because they could do all type of searches to obtain the info. If this act was done by a generic person - this would be called identity theft and scamming. Capital One used deceptive practices to obtain this information and I want them to make this right and not cause derogatory impacts to my credit nor my son 's credit. How am I supposed to teach my son to guard his SSN when you have big businesses like Capital One doing whatever they see fit with a person 's SSN - even when it's not provided. In other words, they stole his number and chose to use it for their benefit and I'm very angry about it. 
I appreciate your help with helping to favorably resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Cawley & Bergmann, LLP
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have attempted to verify claims by XXXX XXXX that I owe XXXX to them. XXXX had a very threatening attorney, Cawley & Bergmann , LLC call me repeatedly over the course of 7 months. I have not entered into contract with XXXX XXXX or Cawley & Bergmann , LLC and do not plan to. I called the attorney office back that threatened me because i was afraid of legal action based on their aggressive calling and leaving voicemails. I was finally able to verify the debt on XX/XX/2022, which is from XXXX XXXX XXXX XXXX. The original documentation clearly shows that the " debt relief '' program was supposed to be at an annual 16.99 % yet my signature was electronically signed to a 19.38 % which I do not have any record of until my request. The first page of the XXXX XXXX XXXX XXXX is the only page that was presented to me which displays the 16.99 % as agreed. This was a deceptive practice and caused the payment to be outside of ability to pay based on our debt to income at the time, and currently is about 46 % today. I have attempted to contact XXXX to resolve the matter, but no response just threats from attorney 's office and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: Mercedes Benz Financial Services
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 recently reviewed my credit report, this account was opened without my authorization. Please send send a copy of the original application and a copy of identification used this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: EAST WEST BANK
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The dispute between East-West bank and I centered around one check # XXXX in the amount of {$2000.00} dated XX/XX/2019, for XXXX XXXX  mortgage payment. My Principal and interest payment at the time was {$1200.00}, I am responsible for my own taxes and insurance. East-West Bank rejected the payment ( see attached ) and claimed that XXXX XXXX  XXXX had committed fraud. East-West Bank had negotiated the check and I was able to provide a tracer to them, however, they still rejected the payment. Every month I make my mortgage payment due with an additional principal payment, I have never missed a month. In a letter from East-West Bank dated XX/XX/2019, they claimed I was in Default for 3 Payments, however, did not specify which months were due. There was also a late charge in the amount of {$2200.00} which seemed excessive considering I had never been late and always paid more than the Principal and Interest due. 
I requested several meetings with East West Bank and as a result of my requiring a XXXX  XXXX, East West Bank stated that it was my responsibility to hire a interpreter to attend the required meetings. Although, I did receive an email in XXXX  from XXXX XXXX an employee of East West Bank. The actions of East-West Bank have caused harm to me and my marriage, and the stress has been unbearable. I am attaching the proof that t all payments have been made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of inquiries which do not belong to me or were opened without my permission. 
XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-09-20
Company: Southern Financial Systems, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Good afternoon, I submitted a letter via the mail to the credit bureaus in regard to a medical debt in the amount of XXXX, Account number XXXX. The debt was paid directly to the creditor, however, Southern Financial XXXX is refusing to remove this debt. This is harming my credit ; I have my receipts and the letter from Southern Financial 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 2022-06-07
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 purchased a credit report with XXXX XXXX on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information on my personal profile, I noticed that someone stole my identity and opened many accounts without my permission or authority, no police report or fraud affidavit is possible and no information or document is in my possession. XXXX XXXX, XXXX XXXX are not my accurate names : XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX These addresses are UNKNOWN to me. I never lived at these addresses : XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block and remove these accounts from my credit report on my credit report which are UNKNOWN to me.One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX and XXXX ). I have never with these accounts, so please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of the Fair Credit Reporting Act, please.

A copy of my Utility Bill, Drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by TransUnion/XXXX  not blocking these accounts is inadvertently resulting in me being extorted.

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 2022-06-27
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  XXXX balance of {$1400.00} I have tried to clear this balance and have it removed from my report XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The original creditor is XXXX XXXX XXXX. I paid a balance of {$820.00} in XXXX of XXXX. Also XXXX of XXXX, I moved back into the apartments and has to pay a deposit of {$630.00} to pay off balance and move back into the apartment complex. I have submitted this and tried to work with XXXX XXXX  several times where they kept giving myself and account manager the run around. They eventually told me since they weren't able to get a response from XXXX management, the management company of XXXX XXXX apartments, that I would have to dispute with the credit bureaus or pay the balance again. I have submitted the documentation to the bureaus several times. However, they only investigate and verify debt the collection agency and have not reviewed my documentation and refuse to remove the collections from my report. I have uploaded a copy of my bank statement, my receipt, an email where the apartment complex actually gave me a refund, and copy of my new lease showing as a current resident/tenant of the apartment complex again.

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 2022-09-20
Company: AXOS FINANCIAL, INC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
On XX/XX/2022 my automatic payment of {$450.00} was scheduled, in addition I authorized an additional payment of {$500.00} for a total of {$950.00}. However, when they pulled the payments from my bank account on XX/XX/2022 they pulled two payments of {$450.00} and one payment of {$500.00} for a total of {$1300.00}. 

After contacting the company they have extensively tried to tell me that I set up 2 separate auto payments for the regular installment amount, which is completely untrue. They also insist that it will take 30 days for them to refund the unauthorized payment. It is completely ridiculous that a bank can hold my money, that they took without my authorization, XXXX for a month. They have repeatedly told me that it is the only thing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: U.S. BANCORP
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:
THESE ARE erroneous inquiries reporting to my file

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 2022-06-27
Company: AMERIS BANCORP
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I received a Covid-19 Forbearance for my mortgage for the year of XXXX. Upon the end of our forbearance ( XXXX XXXX ) we started making on-time payments on our mortgage beginning XXXX XXXX. When we called to cancel our forbearance we told the " Loss Mitigation Department '' that we wanted to do the loan modification with partial claim. At the time we were under the impression that according to the " Cares Act '' this would not affect our credit as well as an employee in the the Loss mitigation department told us it would not. Upon receiving the documents in XXXX of this year we noticed in the documents that it stated it WOULD affect our credit so we decided it would be best not to do the loan modification and only do the partial claim option. I called the loss mitigation department to convey this back in XXXX and they told me they would have to redo the paperwork and would send me documents in the mail. Fast forward to today -- - I still have not received any documents from the bank for the single claim option, I have called every week since XXXX only to get the same answer that " its been escalated and we should receive our documents soon '' They even told me once that they were mailed but we never got them if that is even true. By law our bank statement should reflect the payments we have made since XXXX of this year, which it does not. It shows that we are behind, and shows all the months this year that we have not paid when in fact we have paid AHEAD of time every month and I have bank statements to prove it as well. It should not take almost 5 months to send someone some paper work. We have been in limbo with our mortgage and enough is enough. I am tired of getting the run around by this bank, their employees, and the shady practices they are implementing. It is absolutely pointless to even call them, b/c we get the same answer and no results. We are at a loss of what to do. I am trying to get a home improvement loan and I can't b/c our bank statement is incorrect and shows that we are delinquent and owe XXXX?? This needs to be corrected ASAP

Company response to consumer: Closed with explanation