BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
TO WHOM IT MAY CONCERN, I AM SENDING THIS AFFIDAVIT BECAUSE I AM A VICTIM OF IDENTITY THEFT. I SUBMITTED AFFIDAVITS PREVIOUSLY AND WAS ACCUSED OF USING A CREDIT REPAIR COMPANY. I AM HIGHLY OFFENDED BY THIS ACCUSATION BECAUSE I FEEL AS IF I AM BEING VICTIMIZED BY THE BURUEAS AS WELL. I FEEL AS IF I AM BEING ACCUSED OF NOT BEING CAPABLE OF DISPUTING MY OWN CREDIT. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS 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 2020-03-06
Company: Navient Solutions, LLC.
State: WV
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:
Navient is showing on one credit report that I have missed five late payments and I have not. My loans were in deferrent until XX/XX/2020 when I started paying on them. They need to update this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I ordered custom-made-to-order Kitchen Cabinets from XXXX XXXX on XX/XX/XXXX in the amount of {$3800.00}, using my CitiCard credit card. The day I was told they were to ship, the Company went out of business. I have never received my order and the Company XXXX XXXX XXXX, that eventually purchased the bankrupt XXXX XXXX has not been able to locate my order or provide any assistance. They state XXXX XXXX XXXX is the primary point of contact for claims, but the Website they referred does not exist. I called CitiCard and disputed the credit card charge, and the amount was deducted from my statement. My XXXX statement from CitiCard included a letter dated XX/XX/XXXX reversing the disputed amount, based upon XXXX XXXX XXXX XXXX response to the dispute. The response included no insight as to what happened to my order. CitiCard states they have closed their investigation, and I would need to provide confirmation that I have still not received the merchandise. I mailed all copies of all correspondence to CitiCard on XX/XX/XXXX, with no response, so I remailed everything on XX/XX/XXXX via Certified Mail. I paid my XXXX CitiCard statement, but deducted the disputed amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: Netspend Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I purchased a XXXX XXXX XXXX XXXX from XXXX and had {$100.00} loaded on it. I was charged an additional {$2.00} convenience fee as well. 

I did not realize that when I purchased it that I would need to provide my social security number and birth date with the company in order to use the card and redeem the money I already loaded on it. It also seems like they are going to charge a {$1.00} every time I use the card. I am not looking to have a financial relationship with the company and have no intention of reloading the card. I simply want to access the {$100.00} I already put on it without paying a fee every time. 

The phone number they provide does not have an option to speak with a customer service rep. It disconnects you if you do anything but follow the activation instructions. it is the only # the company provides and they market it as a customer service line, including for questions or refunds. 

I have sent emails to the company as well and get non-specific messages back that tell me they need more info but don't ask for anything in particular. Just my phone number.

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 2020-10-03
Company: Experian Information Solutions Inc.
State: AL
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:
TO WHOM IT MAY CONCERN, I AM SENDING THIS AFFIDAVIT BECAUSE I AM A VICTIM OF IDENTITY THEFT. I SUBMITTED AFFIDAVITS PREVIOUSLY AND WAS ACCUSED OF USING A CREDIT REPAIR COMPANY. I AM HIGHLY OFFENDED BY THIS ACCUSATION BECAUSE I FEEL AS IF I AM BEING VICTIMIZED BY THE BURUEAS AS WELL. I FEEL AS IF I AM BEING ACCUSED OF NOT BEING CAPABLE OF DISPUTING MY OWN CREDIT. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS 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 2020-03-06
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
This all began when there was a movement from XXXX  XXXX XXXX to SLS for our HELOC. During this time, it seems that BoA misplaced the payment I made XX/XX/XXXX, and when the loan moved to SLS  on XX/XX/XXXX, there was a huge confusion about the statement amount, as my payment did not register with SLS. 

A lot of back and forth, I called SLS and they told me to make half payment to keep my account current. After making that half payment, I was told I was under foreclosure notice. I finally just made the other payment while still investigating the missing payment, and then the fee of {$0.00} was added. I can only pay in {$1.00} increments, so I had to pay {$1.00}. 

Then another {$15.00} was added. I inquired what this payment was, and they said it was due to the {$15.00} fee adjustment that is made when " someone comes out to see the property '' when under foreclosure notice. 

I then paid this fee. 

Later, I did not see this fee disappear, and was later told that this payment was added to the principal, as there is no way to apply the payment to the fee unless specifically noted. There is no way to pay to the fee online, as it automatically adds to the principal. 

This seems predatory, as had I not checked, then I would still be " in the red '' perpetually. This company which has millions of dollars, can not fix their website to be able to pay to the fee?

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 2020-03-06
Company: Lockhart, Morris & Montgomery Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was working for XXXX XXXX and seized employment in XX/XX/XXXX. I didn't receive notice of my balance owed to the company. I stopped working for this company because I wasn't making enough to support my family. Lockhart Morris and Montgomery contacted me in XXXX but I was unable to make payments at the time. I called them and offered a settlement amount and they declined. Since they declined, I offered to create a payment arrangement and asked for documentation of it and they also declined.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Source Receivables Management LLC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I told the company that I dont owe them and that they should stop harassing and calling me four times a day. I do not Owe the any money. and they should leave me alone. they got rude and started cursing and I hung up. They called right back several times. I dont owe any Debt to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I did a loan modification on my mortgage 8 years ago. I was aware of the increase in the interest over the time period. I did start back at 30 years. I now have a XXXX dollar balloon payment after I pay off my mortgage. How is this legal? I have lived in the home for 28 Years and I the company has and will get plenty of money. This balloon will put me over what the home is worth.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A Collection account was added to my consumer credit report by Account Resolutions Services. The account was for a medical account that I did not owe. The account was from XXXX. At the time I had Medicaid and the account should have been taken care of by Medicaid. I disputed the account with ARS several times over the phone and they refuse to remove the account until they heard from Medicaid. I let them know they were reporting inaccurate information on my consumer reports and that they had no right to do so. While the account was on my consumer report for over two years. That negatively affected my character and my ability to receive financing. I wasn't able to rent an apartment because my credit score was too low.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: U.S. BANCORP
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
At the beginning of the year, I inquired with US Bank about refinancing and combining my mortgage with the equity line of credit both owned by US Bank. After supplying all the relevant documents and being approved, I closed on the refinance XX/XX/2020. My first mortgage account was not closed but evidently, it was paid and closed. I received the payoff letter XX/XX/2020. However my equity line of credit was not paid and is still open. I have been receiving phone calls from debt collectors since XXXX and explained the situation to the customer service representatives. After getting transferred to so many departments, I sent an email on XX/XX/2020 informing the Mortgage Loan Processor, that a check for my equity line of credit was not dispersed. The amount from the refinance {$99000.00} was dispersed on XX/XX/2020 to the equity line of credit account. I thought this payment would have resolved the issue however I still owe {$450.00}. After receiving collection calls again to pay {$140.00} to the equity line of credit, I emailed the Mortgage Loan Processor on XX/XX/2020 to resolve the issue. When I discussed the issue with customer service, It was suggested that I dispute the claim but I have since been denied. The customer representative said she would reach out to Mortgage Loan Processr for assistance. I do not owe money to the US Bank, in fact, they owe me. So it wouldnt affect my credit, I paid {$140.00} that I do not owe. After going through my documents, US Bank owes me {$700.00} plus {$140.00}. I should not have been charged interest or late fees on a loan that should have been closed XX/XX/2020. Could you please assist so I can get this resolved once and for all? 

Equity Line of credit bill on XX/XX/2020 states the end balance was {$99000.00}. The closeout from US Bank was {$99000.00} which should have been dispersed on XX/XX/2020 but was later dispersed on XX/XX/2020.

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 monetary relief
Consumer complaint received 2020-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have disputed the account with TransUnion the account XXXX XXXX. The creditor has not verified the debt as valid. The phone number listed on the report is non working as well as the address non working. I have disputed this time and time again with Transunion and they have not deleted the account since its not valid.

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 2020-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Sir or madam, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 



Credit reporting laws ensure that bureaus report only 100 % accurate information every step must be taken to ensure the information reported is completely accurate and correct. 

The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible :

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 2020-10-03
Company: Quality Asset Recovery LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The following companies have been on my credit report over 4 years. By the Pennsylvania State laws on this it is illegal to try to start the statues over, such as XXXX is trying to do now, see attached. And it is illegal to pursue collection actions when it is over 4 years for credit cards, medical or any collection, see attached. I have written to each of these companies in the last 30-60 days asking to show me a contract between myself and them and Ive recieved nothing from any of them. Please remove these items from my credit report, on all three XXXX, XXXX, XXXX as they are the ones whom are allowing these bogus companies to just do anything, report anything they want. None of the three reporting agencies has proved any contracts to me as I have written to all three to prove these debts. All they keep saying is its verified, but wont say how??? Its updated, all empty spaces and nothing is proven to me not a contract, nothing!!! Why is this allowed?? By law if its wrong it must be removed. If its out of date must be removed. So please remove immediately!!! Thank you

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 2016-01-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I filed bankruptcy ( chapter XXXX ) in XXXX, Then I filed chapter XXXX in XXXX and all my debt was cleared. But this Company HSBC Bank, keeps showing as a collection on my credit Brueau. I really do n't even remember opening this acct. Because at the time they say this acct. was open I was in Bankruptcy at the time. When i called the Co. last yr. XXXX, and explained this to them, they could'nt even sent me any evindence that this acct. was mine. And they never tried to even contact me about this debt that they show I owe. Thank, for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I called Capital One to cancel my Visa XXXX Account on XX/XX/XXXX at approximately XXXX PST. After requesting account closure of the phone rep. of Capital One, he asked me whether I would like to have any Capital One rewards credit balance sent to my address, which I declined. The phone representative stated I would be receiving a USPS-mailed document to confirm account closure. As of XX/XX/XXXX, I have not only not received any documentation from Capital One confirming said account closure but also received two USPS-mailed account statements from Capital One for said account, for period ending XX/XX/XXXX and XX/XX/XXXX, both showing XXXX balance and no transactions during respective statement periods. Neither account statement confirms account closure which I requested on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 year 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 2020-03-06
Company: Experian Information Solutions Inc.
State: WV
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:
XXXX is showing on one credit report that I have missed five late payments and I have not. My loans were in deferrent until XX/XX/2020 when I started paying on them. They need to update this 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 explanation
Consumer complaint received 2022-03-15
Company: Genesis FS Card Services, Inc.
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: Information belongs to someone else

Complaint:
There are four accounts on my credit report that are not mine XXXXXXXX XXXX XXXX  {$2000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$450.00} XX/XX/XXXX XXXX - XXXX XXXX  {$420.00} XX/XX/XXXX XXXX {$370.00} XX/XX/XXXXXXXX XXXX {$370.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, 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: 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. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation