BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-08
Company: Halsted Financial Services, LLC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
'XXXX XXXX XXXX XXXX XXXX company issued my information to a debt collection agency for a debt I do not know about or owe. I have no outstanding business with them and I told them to investigate the transaction to see who was using my information to take things out in my name and they had agreed and told me to ignore the attempt to collect any money from me. 

Now they have sold my information to a debt collector who is harassing me for money that I do not owe. XXXX XXXX XXXX XXXX XXXX, was the name and telephone number I was given to call to find out why they are calling as XXXX XXXX XXXX XXXX claims they no longer have any information for me on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
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: Investigation took more than 30 days

Complaint:
EQUIFAX FAILED TO INVESTIGATE AND RESPOND TO THE DISPUTE WITHIN 30 DAYS ( CERTIFIED RECEIPT ATTACHED ). s.1629e ( 8 ) OF THE DEBT COLLECTION PRACTICES ACT CLEARLY SAYS THAT ANY INFORMATION KNOWN TO BE FALSE, CAN NOT BE REPORTED TO ANY CREDIT BUREAU. EQUIFAX RECEIVED A CERTIFIED LETTER ON XX/XX/XXXX BUT NEVER REPLIED OR INVESTIGATED WITHIN 30 DAYS. THEREFORE IT MUST DELETED ALL ACCOUNTS THAT WERE TO BE INVESTIGATED FROM ITS CREDIT REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: LoanCare, LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We closed on a refinance with XXXX XXXX Loans in XXXX 2015. ( XXXX XXXX ). Prior to the XXXX payment date XXXX sold our mortgage to LoanCare. My wife and I have been homeowners/mortgage consumers for over XXXX years and have never repeat never been late with mortgage payments. My opinion, following our efforts to have LoanCare properly credit our XXXX and XXXX payments, is that this organization would have to improve dramatically to be deemed incompetent. 
We had not received ANY documentation from LoanCare prior to the first payments due date. XXXX had notified us, in writing, that they had sold the loan but no new loan numbers were provided. My wife made the payment using tne ONLY loan number we had at that time. It was, of course, the XXXX loan number. My wife scheduled the payment that was due XXXX XXXX, 2015 through a " bill pay '' service with our bank that has never failed to work properly in the past. According to bank records, this check was cashed/deposited by LoanCare on XXXX XXXX, 2015. After multiple calls, with many people who have apparently been through no customer service training whatsoever, it was determined that our payment had been credited to an account carrying a LoanCare number that matched our XXXX refi loan number. Correcting this error would seem to be fairly straightforward however this has yet to occur. Both my wife and I, on separate occasions, have been assured that the problem was addressed AND that with new mortgages they will not report late payments for the first XXXX days. Upon returning from a business trip last evening, my mail contained XXXX notifications, both dated XXXX XXXX, that our loan was " in default '' and action needed to be taken. As of this writing, we are XXXX days into trying to receive recognition for PAYMENTS ( XXXX ) that we have made, in good faith, to an organization that seems to be procedurally challenged. My concern is this : once the XXXX day period has passed will LoanCare begin to report my wife and I to Credit reporting companies and damage our FICO scores? The fact that we have dutifully made our scheduled payments and made repeated efforts to work with them to assure these payments are appropriately credited and reflected in their records but have yet to accomplish this, would make errantly reporting negative credit information a serious and unwarranted attack on my wife and I. Should this occur, and my wife 's or my own FICO scores be negatively impacted because of their flawed processes, I believe that it could expose them to serious liability.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: NCC Business Services, Inc.
State: IL
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:
I have contacted this debt collecter, as well as the credit bureau, multiple times to file complaints. No proper action has been taken and this has been going on for at least a year. NCC Business Services was given an account with my name on it that I do not owe them. The original creditor, XXXX XXXX " XXXX at XXXX XXXX '', has put a public record on my XXXX credit report that has a satisfied amount of XXXX. However, NCC Business Services at the same time has put a collection account regarding the same specific matter with the amount of XXXX, double the original amount, on my Equifax credit report also. I have contacted NCC Business Services multiple times, explaining to them that they are double reporting this matter and falsely representing the character, amount, and legal status of the debt. But no one will listen and remove this debt collection account. Therefore, it has been ruining my credit for the past yr and a half. I have been advised this is illegal what they are doing and I would like it to be corrected as soon as possible. I have physical proof that this matter is being reported twice on the same credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-10
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, INC.
State: NJ
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts and inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2020-06-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened the HSBC checking account with the promotional offer ( offer attached ). After fulfill all the requirements, I still don't receive the promotional XXXX dollars bonus. So I reached out to HSBC, they had asked me to wait for another 2-3 weeks, then I reached out to them again, they said they need to have marketing team to research for another 2 weeks. And today I reached out to them again, they told me i am qualified for the offer, because they claimed that I didn't apply through the promotional landing page. 

When I applied the HSBC checking account, I did save copies of the offer, and all the communications I had when inquiry on the offer details. Throughout the whole time since opening this account ( for more than 6 months now ), no one tell me I don't have this offer to my account. 

This is a very deceptive practice, should require CFPB to inquiry their practice and ensuring that they do not do this to trick customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What thXXXX XXXX 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 XXXX 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 and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2020-06-12
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Sent written letter to XXXX XXXX XXXX on XX/XX/20 regarding an account that was sold to them by Chrysler Capital for XXXX. Asked them for validation of debt but as of today still have not gotten a response for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Complaint already filed in regards to USBank access to mobile banking. They closed it stating that they locked my out on XX/XX/XXXX and after complaining open it XX/XX/XXXX. On the date I was able to get in line. The very next day again and still of of today XX/XX/XXXX I still can not gain access on mobile app. I have not used a VPN since this date. Why I am still getting the message there is a problem on our end. It shouldnt last long so please try again shortly. I reported no fraud and have not had fraud yet they decided to lock out my accounts. I am begging to have my access to my accounts. This is not right. 

Thanks 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 2023-02-03
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: Was not notified of investigation status or results

Complaint:
On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report. Over 60 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored in my disputes. In Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted expeditiously. If the accounts are not deleted immediately, I will file for litigation due to the stress you have caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
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: Information belongs to someone else

Complaint:
This agency is reporting inaccurate information to my credit file associated with trade line XXXX XXXX ; I have no idea who this company is on my credit report. 

I didn't receive enough information to verify the debt. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could mail, fax, email in a fraudulent account.

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 2020-06-12
Company: LEXISNEXIS
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, My name is XXXX XXXX and I am writing to you about an entry listed on my credit report which I have tried to have removed. Apparently, someone with the name as mine filed bankruptcy in XXXX Alabama and it appeared on my credit report. Through the credit bureaus, I filed a dispute stating that someone with the same name had filed this public record and it was not mine. Unfortunately, it came back verified by your company Lexis Nexis and it is still listed on my credit report. 

Frustrated, I decided to contact the Bankruptcy Court myself and they informed me that they do not provide any credit bureau and information relating to any bankruptcy cases. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on credit reports. I ask that you remove it immediately and notify their credit bureaus of this mistake. I also request a letter that can be emailed to me by stating this fact. 

Thanks, I am attaching both a letter from the court and a letter from your company stating that I am not even in your database. 

I also attached the letter from the Bankruptcy Court and driver 's license. 

Also. If you need proof that there is someone with the same name as me in the same state with the same birthday, I have attached that too. I am neither XXXX  or married as this profile says.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21
Company: Receivable Recovery Services, LLC
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
IS REPORTING XXXX DIFFERENT UNDISCLOSED AMOUNTS ON MY CREDIT REPORT ( XXXX AND XXXX ) SHOWING I HAVE COLLECTION BALANCES. ALL BALANCES HAVE BEEN RESOLVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26
Company: U.S. BANCORP
State: PA
Product: Credit card
Issue: Rewards

Complaint:
I got the XXXX XXXX US Bank Credit card a couple years ago. Within the last year, the benefits for the card have been removed. I have paid the annual fee to receive these benefits. Specifically, there is a benefit to receive a free night with a points booking after paying the annual fee, and this has been taken away. XXXX XXXX is not living up to their end of the bargain, as I have paid the annual fee and am not getting any of the benefits. 

Here are some of the notes listed on their website : " Enjoy all of these benefits for {$75.00} Annual Fee " and the Bonus nights are listed as a benefit for paying the annual fee, hence, Bonus nights are a benefit of the annual fee I am paying. 

The language included in the agreement I signed up for states that I get the 2nd free night after paying the {$75.00} fee. US Bank/XXXX XXXX is not living up to their own terms & conditions. 

Please let me know any appropriate follow-up with CFPB or XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-17
Company: U.S. BANCORP
State: PA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I executed a new Lease agreement XXXX/XXXX/16 with XXXX XXXX XXXX in XXXX, Pa. The loan was placed by the dealer with US Bank XXXX, XXXX. XXXX XXXX, XXXX, WI XXXX. Phone # XXXX XXXX. I received my first " Lease Billing Statement '' from the bank dated XXXX XXXX, 2016, Payment due XX/XX/XXXX16. I then set up a Bill Payer account with my bank, XXXX, here in XXXX, Pa. The check was sent XXXX/XXXX/16 and received by the US Bank N.A. I next received a Lease Billing Statement dated XXXX XXXX, 2016, for XXXX payment. The check was dated XXXX/XXXX/16 and cleared the bank XXXX/XXXX/16. I started getting calls from the US Bank, approximately on XXXX XXXX, 2016, saying that they did n't receive payment and I will be incurring Late Fees if not paid. I checked with the XXXX and the check was stamped on the back " For Deposit Only, US Bank, followed by " Credited to Acct XXXX XXXX, also a Return Acct #. I called the US Bank and gave them the above info and was informed by several individuals that the account numbers mean nothing to them and that I will have to pay a {$30.00} fee for a " Research Request '' for them to locate MY CHECK in their accounts, to which I refused. I called back and spoke to a XXXX who said that no, I do n't have to pay the {$30.00} dollars and she will fill out the request and forward it to their " XXXX Research Dept. '' Also, XXXX faxed a copy of the cancelled check to the US BANK XXXX, at Fax # XXXX XXXX, provided by XXXX XXXX US BANK XXXX I have again received calls from the bank stating that my payment is late and I 'll be incurring late fees and this may affect my credit rating. I 've been pleading with the banks reps to please look up their account # 's on the back of my cancelled check, to which they ALL replied that 's not possible. I did make this payment and am being treated rudely and unfairly by this banking institution, which I have NEVER had in the past. Yesterday, XXXX XXXX, 2016, I called the US Bank, one more time, to discuss the matter and was told they may not be done researching my payment until the XXXX of XXXX. The rep said that they received my copy of the cancelled check, but he could provide no resolution and I should n't be getting any payment request phone calls ( harassment ) for another 5 days. Thank You for any assistance that you can provide. I 've never in my XXXX years received such disrespectful and unprofessional business practices as I 've received from the US Bank.

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 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This agency is reporting inaccurate information to my credit file associated with trade line XXXX XXXX ; I have no idea who this company is on my credit report. 

I didn't receive enough information to verify the debt. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could mail, fax, email in a fraudulent account.

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 2017-01-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Student loans are more than XXXX and have been closed with original loan servicers paid off and are XXXX through XXXX for XXXX they are no longer delinquent since XXXX. Bankruptcies were XXXX or dismissed but still reporting violating confidentiality. Collection accounts for utilities companies are invalid. Accounts remaing after bankruptcy XXXX. Request removal of all inquiries. This prevents my family from for qualifying for any mortgage. No change in my credit score since bankruptcy XXXX and have opened new auto loan and credit cards. XXXX Equifax and XXXX are the violating companies.

Company response to consumer: Closed with explanation