BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-11
Company: Experian Information Solutions 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:
Since  XXXX  of   XXXX  , I have been sending certified letters regarding   XXXX    XXXX  via the credit bureaus asking for validation and verification of several accounts that were listed on my credit report. I asked for copies of the applications with my signature proving these were my accounts. I always received a letter from  XXXX   XXXX  asking for clarity of my dispute, I could n't be any clearer. This is what I stated in my letters : Under the Fair Credit Reporting Act,  15 U.S.C. 1681g  I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.  <P/> If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required un der Section 611 ( a ) ( 5 ) ( A )  ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to  3rd parti es you are damaging my reputation and credit worthiness.  <P/> 
Under the FCR   A 15 U.S.C. 1681i, all unver ified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.  <P/> The credit bureau continues to send updates stating the accounts are " verified '' and have neglected to provide any documentation and are in constant violation of the FCRA.

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 2020-02-29
Company: CL Holdings LLC
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Jefferson capital system is reporting a debt on my credit report in the amount of {$13000.00}. This debt was reported on my credit starting XX/XX/XXXX. The loan which was originally provided by XXXX XXXX XXXX, was paid off in XXXX. Not only is Jefferson Capital reporting a debt that I do not owe, they have the wrong date of the account which is hurting my credit even more. I was never notified of my right to dispute this before it was reported on my credit. I disputed through transunion and XXXX  website in XX/XX/XXXX, but Jefferson capital still has not removed this off of my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-11
Company: Lending Club Corp
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:
I have these accounts that are not mine and i want it to be removed from my credit report. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft LENDCLUBBK Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells fargo wrongfully closed my checking account. It was just after I opened it around XX/XX/2015. Wells fargo admitted in writing that it was due that I harassed XXXX XXXX constantly. XXXX XXXX is the one who harassed me and slandered me at wells fargo. But because she worked at a bank she could harass me. I never harassed XXXX XXXX. There was nothing with my first checking account either. But I was being set up by XXXX XXXX and the bank when my online account was disabled on XX/XX/2015. It took a week to open my new account. I never saw XXXX XXXX in the bank the entire week I went in the bank all up until the last day I had my checking account finishing opening. She purposely put herself at the bank. At the time I didn't know this was a setup. This was a crime committed against me. After I sat down with my banker out of the blue the XXXX XXXX police showed up out of the blue. XXXX XXXX was nowhere to be seen after I had sat down. The police saw i wasn't harassing her because she was nowhere to be seen. I don't care about wells fargo having the right to close your account. They weren't exercising their right to close it which they keep ignoring until XXXX XXXX falsely accused me to them I was harassing her. If I harassed her so much why was she at the bank to set me up. It was all a set up for her to be there with the other wells fargo employees that was working at the bank to get rid of me as a customer. She was my neighbor who harassed me and falsely accusing me of harasing her then she brought the problem into the bank. I have every right to be angry about the way I was treated, because I know I didn't harass her. The people who are replying to me are the bad employees like XXXX XXXX and they need to go. They are friends with her to be against me and this isn't right to treat a customer. That is why they keep denying me compensation. But I see the wells fargo in XXXX XXXX that XXXX XXXX demanded that I stay away from its closed. So that is karma for the employees who did this evil thing along with XXXX XXXX. So this was some form of justice without me receiving compensation for the pain and suffering.

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 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello. I submitted Dispute with ( Transunion ) on XX/XX/2022. On XX/XX/2022 They advised me it was verified however I did not receive anything in the mail, Just email saying information was " Updated ''. That was not what I requested.

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 2020-02-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 ( 10 XXXX  XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1200.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2021-05-15
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is me and I give permission to continue this investigation Equifax has violated the law on several occasions. With the following inquiries which appear on my consumer report ; which is, in violation of : 3. ) Violations of 15 U.S.C 1681a 2 ( i ) 4. ) Violations of 15 U.S.C 1681b 2 5 ) 15 U.S.C. 1681a 2 ( b ) XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, Late payments from XXXX XXXX  and XXXX XXXX is in violation of 3. ) Violations of 15 U.S.C 1681a 2 ( i ) 4. ) Violations of 15 U.S.C 1681b 2 5 ) 15 U.S.C. 1681a 2 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Since   XXXX   of   XXXX  , I have been sending certified letters regarding   XXXX    XXXX  via the credit bureaus asking for validation and verification of several accounts that were listed on my credit report. I asked for copies of the applications with my signature proving these were my accounts. I always received a letter from   XXXX    XXXX  asking for clarity of my dispute, I could n't be any clearer. This is what I stated in my letters : Under the Fair Credit Reporting Act , 15 U.S.C. 1681g I  have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.  <P/> If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under  Section 611 ( a ) ( 5 ) (  A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing the m to 3rd par ties you are damaging my reputation and credit worthiness.  <P/> Under the FCR A 15 U.S.C. 1681i, al l unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.  <P/> The credit bureau continues to send updates stating the accounts are " verified '' and have neglected to provide any documentation and are in constant violation of the FCRA.

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 2020-02-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 ( 01 XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$130.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2016 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2020-02-29
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I had a account with home depot that was charged off as a bad debt. I had them in dept management program. They later refused the arrangement and told me I had to changed my payment amount through the debt management after being on the program for 3 years. I tried to negotiate with them but too no avail they charged it off as a bad debt and disregarded all the payments that I had applied through my debt Management program. Now they keep selling the account to different agencies that continue to harass me. And keep updateling the charge off after 4 years now keeping it in my file where it will never fall off after the law of ten years. This is not fair to all 3 of my credit files. This seems like fraud against me as a consumer and harrassment phone and mail wise.

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 2018-06-01
Company: EQUIFAX, INC.
State: NC
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:
Equifax is reporting an collection with a company called XXXX XXXX   account # XXXX  This isn't my account, shortly after Equifax had a data breach, this collection popped up on my credit report from out of thin air.

I disputed this account & requested them to produce a signed contract with my name on it, instead they sent me a credit report stating that the account was verified which is impossible, if they would have really investigated this account rather that using their XXXX  system, they would've know that this account isn't mine.

Is XXXX XXXX even licensed to collect debt in North Carolina?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: CIT BANK, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I refinanced my mortgage with XXXX XXXX currently know as CIT in XX/XX/XXXX.It was an ARM which reached its peak at 4 %. I have been paying my mortgage and am not behind however I received an escrow analysis which says I have a shortage of $ XXXX.

I tried to pay my regular amount of {$2500.00} and the mortgage company charged my bank account {$23000.00} and other like amounts for the past 2 months rendering me responsible for cancellation fees with my bank and rendering me unable to pay other bills until it was cleared up. I only authorized the payment of my monthly mortgage and escrow which is {$1600.00} principal/interest and {$950.00} escrow a total of {$2500.00}. It would only allow me to pay {$22000.00} this month which I do not have.I have submitted a letter to XXXX to let them know that this is causing me a hardship.This loan is predatory as best and I believe that I signed it out of desperation to keep my property and now when I am stable they want me to pay {$4100.00} a month or the lump sum of {$22000.00} which I do not have.The new monthly escrow amount {$1800.00} is more than the principal and interest as mentioned {$1600.00} They deferred {$100000.00} in a balloon payment and the total mortgage owed is $ XXXX. I do not know how I got the surplus in my escrow because I thought when I refinanced I was starting fresh again.I find this destabilizing my ability to stay in my home in my senior years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: PENTAGON FEDERAL CREDIT UNION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
I applied for an auto loan on XX/XX/2021. I spoke with the loan originator about potential interest rates. She told me the lowest possible rate for 60 month and 72 month terms. I knew I would likely be in the second credit tier but she could not tell me what my rate would likely be. I did not decide on a term at that time as a wanted to know the rate first. She told me I should get a decision on the application within 24 hours. I was first contacted four days later and was asked to provide a recent paystub. I uploaded my paystub that day. I received an email from the underwriter three days later asking for a second paystub, as they require two paystubs. Their first request did not mention two paystubs. I uploaded my second paystub. I called two days later to check on the status of the application. The employee told me they needed a second paystub. I then uploaded my second paystub again. On the thirteenth day after submitting my application, I received an email saying my application was approved, the funds were disbursed and that I will receive a loan packet in the mail. I was never asked what term I wanted and never told the interest rate nor asked if I wanted to proceed with the loan before receiving the email saying the loan was disbursed. I then called PenFed as I was curious what my interest rate and term was. The PenFed employee was nice but said she didnt have access to the interest rate information. I then asked to speak to a supervisor, hoping they may have access to the underwriter credit tier margins/rates. The employee returned to the phone after a hold and said both supervisors she spoke with said I would have to reapply to find out my interest rate at 60 months. In summation, this whole process has been appalling. A consumer should not have to jump through hoops to find out if a loan is approved. I should have been told my application was pre-approved pending income verification, etc. I should have also been asked what term I wanted and If I wanted to proceed with the loan before it was booked. If PenFed needs to review two paystubs to verify income, they should say that before they receive one paystub. PenFed should not advertise a fast and easy auto loan application process when it can take 13 days to get an application approved. When credit unions get greedy and expand their membership eligibility to anyone just to expedite their growth, it can lead to poor service like this.

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 2018-06-21
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX discovered an erroneous/fraudulent mark on my credit report from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, MD XXXX ) and XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ; XXXX, Maryland XXXX ). I contacted XXXX XXXX Hospital and informed them of the mistake. I contacted XXXX XXXX XXXX   and informed them error. I filed a dispute with the credit reporting agency Equifax. 

I mailed XXXX XXXX Hospital and XXXXXXXX XXXX XXXX   certified letters requesting they produce competent evidences that bares my signature to provide I owe this debt within a reasonable period. 

Furthermore, I requested until they could produce competent evidence no future actions should be against me. At the end of a reasonable time if they can not provide competent evidence proving the erroneous debt they remove the erroneous mark from my credit report. I filed a dispute with the credit reporting agencies simultaneously. 

I received delivery conformation both letters where delivered from the US Mail service, but no response from either XXXXXXXX XXXX   Hospital nor XXXX XXXX XXXXs. Equifax removed the mark from my credit report. 

In XXXX I discovered the erroneous/fraudulent mark on my credit report. I responded by sending a second letter to both XXXX XXXX Hospital and XXXXXXXX XXXX XXXX followed by another dispute with Equifax. I did not receive a response from any parties, so I contacted XXXX XXXX Hospital via phone. The accounting/billing department told me we had no record of the debt. 

I have no recollection of this debt nor have I ever received validation from either party to the validating the debt or the soundness of the report mark. This is a medical bill on my credit report! 

Today, I discovered the mark on my credit report once again. I contacted Equifax and filed another complaint. I contacted XXXX XXXX Hospital via phone. The Vice President is having a letter drafted stating this is an erroneous account. 

The alleged debt is a medical bill dating back 8 years. I have never given anyone authorization to report medical debt on my consumer report. I am demanding it is removed today!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Lender has not credited funds correctly during Chapter XXXX bankruptcy. XXXX hs been discharge XX/XX/2022 and as of XX/XX/2022 I can not get an accurate balance and payment information from lender. XXXX statement shows zero payment due for XXXX, but when I call lender to inquire about payoff status, I was informed that I owe {$16000.00}. I have made all regular payments and payments to trustee and am current to date. Everyone I speak to at the lender tells me a different thing and report disparate numbers for whats owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
Company: Incomm Holdings Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On  XXXX / XXXX / 2017  I called and told them that my card along with my wallet have has been stolen and my card had been used to make different transactions. They denied my claim stating that they were authorized. They didnt even try to investigate it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Violated HIPPA law on a d ebt that is not mine. They keep selling my information to different collection agencies after credit agencies delete them. They hindering my score to buy a house for my family and I. I do n't have a contract with them. There is no way they are validating a debt from a company that is not real.

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