BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
CONSUMER : XXXX XXXXCOMPLAINT : TRANSUNION AND ALL CREDIT AGENCIES1. I AM TRYING TO BUY A HOUSE2. I TRIED TO GET MY FREE CREDIT REPORT AND WHAT MY FICOSCORE ISA : THEY CHARGED ME $ XXXX : THEY BILLED MY XXXX XXXX CREDIT CARD ANOTHER {$29.00} JUSTTO GET MY INFORMATION FREEITEM1. I THOUGHT ALL CONSUMERS RECEIVED A FREE CREDIT REPORT2. I THOUGHT TRANSUNION COULD NOT STEAL ANY MONEY FROM US. 
THEY STOLE FROM ME AND SAID, XXXX XXXX SO WHAT, YOU HAVE NO CONUMER RIGHTS WITH TRANSUNION. WE CANSTEAL ANY AMOUNT FROM YOU, IS THIS TRUEITRM1. I CANCELLED MYSERVICE TODAYAND SPOKE TO XXXX, EMPLOYEE NUMBER # XXXX AT TRANSUNIONXXXX-XXXXORDER # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My identity was stolen beginning in XXXX XXXX 2015 in which an individual ( s ) attempted to open multiple lines of credit in my name with out my consent. I reported this to the XXXX main credit bureaus some time around XXXX 2015. I still have XXXX credit inquiries on my credit report that are a result of the identity theft issue. I need those removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: KY
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I came to a settlement arrangement with FAMS on XXXX/XXXX/15 and paid this debt in full on that date. I have the settlement letter stating the debt would be settled with payment and the receipt where I paid. Since then they have continued to bill me and have failed to release a judgment lien against my husbands property. They still show my account with a balance of {$9400.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Best Buy credit cards services has been charging me a fee for Debt protection for the last 10 years. I did not sign up for this program and when I found out I was being charged I cancelled the program and asked for proof of enrollment. Citi bank debt protection is consistently telling me to wait 30 days and they will mail me information about the refund or proof of enrollment. I have waited the 30 days and now they are telling me I am having to wait another 30 day waiting period.

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 2016-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I went to XXXX and requested my Transunion report. The process took me to Transunion 's website, where I could not view my credit report. I tried to do the process again, but the site told me it could not give me my credit report because I had already requested it. When I tried to contact their customer service, everything was set up for different inquiries and there was no way to chat with the people except over phone which I did not want to do in my office.

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 2016-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The account from XXXX XXXX XXXX was removed from my report. I just looked at it, and it 's back on there!!!!! I WANT IT OFF LIKE IT WAS AND TO STAY OFF!!!!!! I am NOT paying for a Credit Card that was n't mine!!!!! I 'm an ID Theft Victim!!!!! The account in question was under my maiden name!

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 2016-07-01
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
the company has listed several recent inquiries that I am not familiar with and I would like them removed. my score was just literally over XXXX and now it is back down bc of this. I strive hard to keep my score going up, please do n't let my progress get hindered by fake inquiries

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 2016-09-12
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Green Tree Servicing Mortgage Co. harassed us monthly for mortgage payment. They also collected a XXXX dollar service fee for over the phone pay, for years. They sold our mortgage to Ditech mortgage I received a letter stating they broke the law in many aspects and have been sued. They sent a XXXX dollar check. This is not enough compensation for the money we paid them, and the aggravation and harassment we went threw. I would like to know what I can do about this? I can send bank statements to verify if you need them. Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: MO
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 sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX & XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1100.00} ; XXXX  XXXX XXXX XXXX {$140.00} ; XXXX  XXXX Balance : {$230.00} ; XXXX  XXXX Balance : {$180.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$150.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} ; XXXX  XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX, MO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: CITIBANK, N.A.
State: CO
Product: Credit card
Issue: Payoff process

Complaint:
I am a new Macy 's card holder. I made XXXX purchase for {$92.00}. My husband made XXXX payment. The balance was {$58.00}. I am diligent about our credit, we are saving for a new home and want to keep me credit score strong, so I paid the balance online on XXXX XXXX (? ), early. 

I received a phone call from Macy 's yesterday, saying my account payment did not go through and now the payment is late, late charges, interest and returned check fees adding to over {$200.00}. 

I was devastated! They did refund the late fee and interest fee but would not remove the returned check fee because it was an error on my part. Clearly, I was trying to maintain my account by paying early. Why could n't they call me sooner? 

I paid the balance of {$58.00} and {$130.00} in returned fees over the phone and vow to never shop at Macy 's again! 

This is a disgrace! 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-15
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I filed a dispute online, but received no confirmation number or email confirmation. I subsequently tried to check the status of the dispute, but I was unable due to my not having a report number or dispute number. I tried to call Experian to find out what to do, but there seems to be no way to speak to a person unless XXXX want purchase a product form them. It should not be so difficult to correct information on this report, which has critical impact on my personal credit status.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
On XX/XX/2016 I Submitted a dispute to Experian regarding a collection account placed on my credit report by XXXX XXXX XXXX. I disputed the account information as it was reporting an incorrect date of default from the original creditor, incorrect original balance, and incorrect account history. I requested a full deletion of the account since XXXX had been unable to provide accurate dates and terms, and due to the fact that the account should have aged off based on the true date of default. The original account, owned by XXXX XXXX, is no longer on my report as it has already aged off. 

I received the final results of Experian 's investigation on XX/XX/XXXX. Although. Experian failed to verify the accuracy of the collection account. Instead of promptly deleting an account that is reporting inaccurately and past the age-off date, they updated the information with a new, yet still incorrect account status, account history, and account terms. This update looks as though this is a recently paid collection and it has negatively affected my credit.

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 2016-06-19
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I was pressure to sign up with Citi Credit monitoring service and did so for years paying for something I did n't user or understand.

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 2015-06-06
Company: Veros Credit, LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My complain is for a Finance Co. by the name of Veros Credit, LLC. I am a used car dealership that paid off several accounts to them. These accounts were paid off between XX/XX/XXXX and XX/XX/XXXX, as of this date I have not received the ownership titles belonging to the vehicles of the accounts that were paid off by us. In numerous occasions we have contacted their corporate office regarding the release of titles, they REFUSE to release them due to unresolved issues that we have on other accounts, not related to the accounts paid off. Their answer to me has been, title will not be released until our unresolved issues are resolved. 
Veros Credit, LLC. is causing and putting my business in a financial hardship position because of other financial instutions holding on to my money due to us not being able to turn in titles to them that are held by Veros Credit, LLC. This issue has become a domino effect with other lenders.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: RFNA, LP
State: LA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Republic Finance LLC ( Loan No. XXXX ) says that I owe them more money when I have paid them in full. 

My XXXX/XXXX/16 receipt has a new balance of {$110.00} after making a regular payment of {$160.00} on that date. On XXXX/XXXX/16, I paid {$110.00} and that receipt shows a new balance of $ XXXX. Now, Republic says that i owe about {$280.00}.

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 explanation
Consumer complaint received 2016-08-14
Company: First National Collection Bureau, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After reviewing my credit report ( s ), I was surprised that XXXX was reporting an alleged debt with XXXX, which I had previously disputed with First National Collection Bureau ( " FNCB '' ) in XXXX XXXX. Attached you will find the telephone log that highlights two telephone calls made to FNCB, at XXXX, on XXXX XXXX, XXXX. During those calls, I disputed the alleged debt with XXXX ; however, in the second call, at XXXX, I specifically requested verification of the debt. After the person with whom I spoke became abusive and began to badger me about the reason for my request, it became evident that such information did not exist. I was told that the account would be closed and I would no longer receive further communications. To this date, I have not received any further communications and wrongly assumed that this debt had been removed from my credit report ( s ). I have attached a screenshot of my XXXX XXXX account, which supports my assertions regarding First National Collection Bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
I applied for a BUSINESS card for my CORPORATION only to find out that the Citibank ran a credit check on my individual credit. I did not authorize them to do that. When someone applies for a corporate card with its own tax id number then the bank should utilize the information and run credit on that legal entity applying for the credit. The entity has been in business for over 18 years and if the bank does n't want to provide credit to the entity that is fine but they had no right to run credit under my personal information since I was not applying for credit personally. This has a negative effect on my credit score since it reflects as if I personally applied for credit and reduces my personal credit score which has nothing to do with my corporation. That is the reason they call it a BUSINESS CARD and not a regular credit card. This conduct of bank is not justified and should be stopped.

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 2016-03-29
Company: Credit Technologies, Inc.
State: MT
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am a card carrying XXXX and wanted to see if I prequalify for a special home loan offered under HUD. So I spoke with an agent via email. I did not give my consent or a written or electronic signature to approve a hard credit inquiry. My credit score dropped XXXX points after not XXXX but XXXX pulls in less than 24 hours. And I did n't get an answer weather I prequalified or not. I call this company Monday morning and they kept hanging up on me. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: Metro Republic Commercial Service, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I 'm writing in regards to an amount of {$62.00} under METRO REP COMM SVC INC # XXXX that still continues to show on my XXXX credit reporting agencies reports as unpaid, despite it being satisfied. I would like COMM SVC INC to contact XXXX other reporting agencies noting that this amount ( {$62.00} ) has indeed been satisfied and to remove from my XXXX other credit reporting agencies. Would like a letter of satisfaction mailed to me as well. 

COMPANY : METRO REP COMM XXXX account # XXXX XXXX Address XXXXPhone : ( 951 ) 273-7700

Company response to consumer: Closed
Consumer complaint received 2015-03-27
Company: Grant & Weber
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt is from a medical bill of my ex husband who died in XX/XX/XXXX. The debt occurred in mid XX/XX/XXXX and the XXXX keep updating the date on the debt even though it does n't belong to me and it has been over XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31
Company: CAB Receivables, Inc.
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Credit Adjustment Board contact me in reference to a {$140.00} medical bill that I owe and I told them im unemployed and made arrangements with the dr office directly and was going to pay them directly and was basically cursed out and told she was going to list my file as a refusal to pay and send it to the courts.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had an accident XX/XX/2014. The car was totaled. I contacted Chrysler Capital to find out how to handle the balance left over. I was told that there was n't anything due at the time. I tried several times to take care of this. I kept getting the same response. I moved in XX/XX/XXXX. Months went by and I did n't hear anything. Then I went to buy another car and the Chrysler account is reporting inaccurate information. I sent a letter to see if I could get this straightened out, but have n't received a response. I will pay the money I owe ( minus late fees ), but I would like the reporting to be cleared up. If I was given a total when the claim was completed, I would have paid it then.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I had a car loan with Santander that default back around XXXX 2011 and the car was repossessed. Santander is claiming the the car was damage but the time they saying it was damage it was n't in my possession. The damages that they said I cause to the car cause for the value of the car to be less then what it should have been and they was n't able to profit from it to the point the they break even and I do n't own any money and also its affecting my insurance rating. when the company they hired to repossess the car it was at XXXX and my car was park in the driveway behind my mother car and they move my mom car and had her car turn side ways in the driveway and on the neighbors grass and also my car was half way in the driveway and on our grass and they had the tow truck on our lawn and even destroyed our lawn also

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card
Issue: Balance transfer

Complaint:
Over a year ago I transferred balances to Capitol One hoping to save on finance charges while I paid off the principal. Capitol One still charges finance charges even though I pay on time every month. I contacted them and they are unwilling to help me with this. I can not afford the finance charge. I owe {$2000.00}. The due amount only goes higher. I transferred my balances to Cap One in hopes that I could resolve my debt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-17
Company: First National Collection Bureau, Inc.
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
First National Collection Bureau Inc is the debt collection agency for XXXX XXXX. I am a victim of identity theft and someone stole my personal information and identity and opened up an unauthorized and fraudulent credit card account with XXXX XXXX. The account do not belong to me. First National Collection Bureau debt collectors has repeatedly called me about a debt for {$390.00}. I do not owe the debt to First National Collection Bureau. I have received countless phone calls from First National Collection Bureau in regards to the debt owed and have been harassed, verbally abused, sweared at and threaten with arrest, harm, death and wage garnishment, if I do not pay the {$390.00}.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: FIRST GUARANTY MORTGAGE CORP
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have being in a dead lock process of refinancing my property with First Guaranty Mortgage Corporation for over 90 days. The company is stone walling me, locked me up in a rate that expired in XXXX 2015, then re-lock me with same rate for another 60days that will expire in XXXX 2015 ). All phone call communications and e-mail correspondences were not returned. Currently, I can not go to another financial company for assistance to refinance my property due to First Guaranty Mortgage Corporation holding on to my FHA number and not giving me information that I needed on my mortgage property tax ( XXXX ) in other to re-assign my re-finance loan to another financial mortgage institution.

Company response to consumer: Closed with monetary relief