BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have mailed a multiple inquiry removal letter on   XXXX   in order to dispute information on all  3  credit reports. in regards the hard inquiries that are being reported on my credit reports. The request i submitted included hard inquiries that are not factual and i recieved the same response for ALL inquiries, which stated all inquiries are factual record of file access. If you believe this was unathorized contact creditor. According to FCRA Rules, F CRA 623 ( B ) ( 2 ) AND 611 ( A ) ( 1 ) it states that any information can be disputed and MUST be investigated and if you do not investigate and respond, the cra mist delete disputed informa tion from its files. The fact that i recieved a response 4 days later one can only assume there was no investigation, I am submitting this complaint due to lack of investigation. This is unfair pratices by the credit reporting agencies with no concern for the consumer credit worthiness.     these are the disputed inquiries   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX     XXXX   XXXX   XXXX     XXXX    XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX      XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX     XXXX      XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX     XXXX   XXXX    XXXX    XXXX   XXXX   XXXX     XXXX   XXXX    XXXX    XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX     XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   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 explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2021-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX XXXX was illegally withdrawn from my account at an atm in XXXX XXXX, Ca. I was in XXXX at my home when this occurred and was in possession of the debit card. I filed at police report immediately. This happened to back in XXXX for XXXX, so the process is familiar. Upon filing my claim I expressed the need for escalation as I am being evicted. XX/XX/XXXX I spoke with a manager who filed this hardship. On XX/XX/XXXX I followed up and was told that my temporary credit would post to my account within 24-48 hours. This did not happen and I was told I had been misinformed. Also I was told that a hardship would be filed again. On XX/XX/XXXX I followed up again. I discovered that a hardship had not been filed a d was told that yes temporary credits are usually applied within 24 hrs for an eviction hardship. As of today, my account has not been assigned an investigator, the claim has yet to be approved, I still do not have the credit for the XXXX. The service has been horrible, I am treated like an imposter or someone that would be co side red XXXX  of the earth. This credit should have been placed j to my account immediately!

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 2017-06-07
Company: Caliber Home Loans, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Caliber Mortgage took over  my mortgage from  XXXX  in  XX/XX/XXXX . In  XX/XX/XXXX , I received a   XXXX   XXXX   form for {$5000.00}. Note : from  XXXX . I had no association with  Caliber in   XXXX , nor did I ever work for them. Coincidentally, their form  XXXX  misrepresented my real estate taxes by {$5400.00} short. I am not worried about that as I have receipts from  my county tax co llector.  <P/> However, the  XXXX . I have had to pay a penalty and income tax on it ... ..for income I never received.  <P/> I have called them numerous times, and faxed over the form  three times ( as they " do not see it in their system '' ). I have received numerous responses when I call  ... .from ( I see it now ; someone will call you within a week ... .... someone will respond back in 30 days ... ..I do n't see it all ). Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: AmeriCollect
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX and the XXXX XXXX XXXX XXXX has sent in accurate billing to XXXX collect dating back to 2016. While I was under states insurance XXXX billed me two times sending this to collections with Americollect. This is in accurate fraudulent charges on my credit report. 

Americollect has also billed me multiple times with an accurate medical billing claims and estimated charges of over {$14000.00} completely destroying my A1 credit. no help and absolutely no remorse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom this may concern, I am having significant trouble with the customer service of  XXXX   XXXX   XXXX   XXXX   (  "  XXXX  ''  ) a nd having even more trouble with  XXXX  recognizing my consumer rights.     By way of background,  XXXX  has been reporting a number of false records to my credit report, including but not limited to reporting my living address as " CEASE DESIT  XXXX   XXXX  '' as well as failing to report debts as in dispute - potentially in retaliation for me contacting the CFPB , OCC,  and other regulators concerning illegal marketing practices of WFC.     To follow up on my previous concerns,  XXXX  claims that their current submissions to my credit report abide by the Fair Credit Reporting Act  ( "  FCRA '' ) but nothing could be further from the truth. Indeed,  XXXX  has submitted different information concerning loans that look identical to different credit reporting agencies. The records and information submitted to  XXXX  and Equifax are not only not supported but also conflict with each other - raising serious concerns as to what information  XXXX  is reporting on consumers and what process they use to verify that information.     For my personal situation,  XXXX  reports that a  XXXX   XXXX  loan with an amount of {$35000.00} was opened on  XXXX   XXXX ,   XXXX  . However, Equifax reports a similar, although not identical loan of {$35000.00} was opened on   XXXX   XXXX   XXXX       I would like to know, why  XXXX  company is reporting similarly looking loans with conflicting information and produce a detailed report of how  XXXX  reports " open dates '' and what information is being reported to credit bureaus. I want to know if the information reported to credit bureaus is backed up with a written and valid consumer contract. As well as WFC to clarify whether these two accounts are referencing one loan or they are two different loans.     The above instance of conflicting information is just one example, I would like  XXXX  to clarify why for at least the past 3 years they have reported conflicting and different information to credit reports that do match associated consumer contracts. I have attached a number of screenshots for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX acct # XXXX - disputed multiple times came back verified, I supplied proof to each bureau that creditor was not reporting 100 % accurate information and they allowed it to be reported incorrectly for 2yrs seriously affecting my credit worthiness to other creditors and affecting my interest rates based on unverified/incorrect information.. 
this account should be removed immediately due to errors, and the credit bureau cited for failure to report in accordance with FCRA for 2yrs

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom this may concern, I am having significant trouble   with the customer service of  XXXX   XXXX   XXXX   XXXX   (  "  XXXX  ''  )  and having even more trouble with  XXXX  recognizing my consumer rights.     By way of background,  XXXX  has been reporting a number of false records to my credit report, including but not limited to reporting my living address as " CEASE DESIT  XXXX   XXXX  '' as well as failing to report debts as in dispute - potentially in retaliation for me contacting the CFPB,  OCC,   and other regulators concerning illegal marketing practices of  XXXX      To follow up on my previous concerns,  XXXX  claims that their current submissions to my credit report abide by the Fair Credit Reporting Ac t (  " FCRA '' ) but nothing could be further from the truth. Indeed,  XXXX  has submitted different information concerning loans that look identical to different credit reporting agencies. The records and information submitted to TransUnion and  XXXX  are not only not supported but also conflict with each other - raising serious concerns as to what information  XXXX  is reporting on consumers and what process they use to verify that information.     For my personal situation, TransUnion reports that a  XXXX   XXXX  loan with an amount of {$35000.00} was opened on   XXXX   XXXX   XXXX   However,   XXXX   reports a similar, although not identical loan of {$35000.00} was opened on   XXXX   XXXX   XXXX       I would like to know, why  XXXX  company is reporting similarly looking loans with conflicting information and produce a detailed report of how  XXXX  reports " open dates '' and what information is being reported to credit bureaus. I want to know if the information reported to credit bureaus is backed up with a written and valid consumer contract. As well as  XXXX  to clarify whether these  XXXX  accounts are referencing  XXXX  loan or they are  XXXX  different loans.     The above instance of conflicting information is just  XXXX  example, I would like  XXXX  to clarify why for at least the past 3 years they have reported conflicting and different information to credit reports that do match associated consumer contracts. I have attached a number of screenshots for your review.

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 2017-04-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been attempting to do a modification with SPS..   I have a HUD  counselor I am working with, and this organization does not work with the counselor. I  have been told my application is incomplete, but the form on their website  XXXX   XXXX   XXXX  has only  XXXX  pages. I am told my form should be  XXXX  pages. I received a letter with the form and it had only  XXXX  pages. M y counselor has requested the form be faxed three times, and they refuse to send the correct form.    I am current on my mortgage, but my wife can no longer work, and we have less income.. It will be difficult for me to pay my mortgage going forward.   I have asked about the HARP, an d SPS  will not entertain a discussion about it.   This servicer is not doing their due diligence on my request for assistance.   I have explained their website has  XXXX  form and the form I was sent is missing sections. I was told the form is different for each person.. This can not be true.. as they will not fax the form in question

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
My social security card was stolen and i reported it and some things was placed on my credit and it was then told they can not be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: CITIBANK, N.A.
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: Their investigation did not fix an error on your report

Complaint:
An account showed up on my credit report that is not mine. On   XXXX   XXXX   XXXX     I sent a debt validation request to Macy 's credit card department and i requested a copy of any credit agreement that i had ever signed with them or to stop reporting it to the credit reporting agencies. Macy 's responded with a letter dated     XXXX   XXXX   XXXX   providing  " As you requested a copy of your billing statements ''. I never requested anything except a copy of any signed agreement that they say i have with them. They ignored my request and sent a bunch of billing statements that i have no idea about.

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 2019-12-13
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
On Monday, XX/XX/19, before XXXX XXXX, I returned items to my local XXXX   store and a credit of {$100.00} was made to my American Express Serve card. I then monitored the card online for the refund. On Wednesday, XX/XX/19, under " Active Transactions '', the return was listed as " Merchant - Credit Hold for Review - We are currently reviewing this merchant credit. This review can take up to seven ( 7 ) days. During this review period the merchant credit will not be available for use. '' I've had the Serve card for years, and NEVER saw this before. On XX/XX/19, at XXXX XXXX, I called the number on the back of my Serve card. The in-call volume on my cell phone was as high as it could go, and I still had a difficult time hearing, between the volume and the accents, the two customer service reps with whom I ended up speaking. It seemed deliberate, how quietly they were speaking and the vague information they gave me. I informed the first customer service rep that I was XXXX, and had no money and no food, would he please release my refund? When he responded that he didn't have the authority to do so, I requested to speak with a supervisor. I advised the supervisor what I'd already told the first customer service rep ( XXXX, no money, no food ) ; when she refused, I advised her I would be filing this complaint, along with a review I posted on XXXX ( mine is the very first one currently posted ). Please note that when I went to post my review on XXXX, there were many, many 1 star negative reviews, all from the same week.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I 've experienced several unsuccessful attempts to have some inquiries removed from my Equifax credit report as they are reporting inaccurately. I have spoken with countless agents who 've given me the run around about having this incorrectly reporting information removed from my credit report. Due to these items being reported inaccurately I am having trouble acquiring things that I actually have knowledge of. I was told on more than one occasion that these items would be removed and that my credit report would be updated in 24 hours with the inquiries removed yet that has n't happened. On today XX/XX/XXXX these incorrect items are still being reported inaccurately and I would like to have them removed as I was told they would be. 
They are as follows : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please remove these items ASAP as they are hurting my credit image and damaging my credit worthiness with potential creditors. Thanks in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
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: Their investigation did not fix an error on your report

Complaint:
The following was sent to Equifax and they did not address the issues listed in their response to my request : Dear Sir/Madam : I am writing once again to make you aware of a variety of errors that have impacted my ability to secure credit, in addition to the pain and anguish these errors have had on my emotional well-being. 

As of XX/XX/XXXX, the following errors and omissions from Equifax have had a negative effect on my credit profile : 1. The report shows that I have recently missed a payment or had a derogatory indicator reported. I have had neither. I am requesting proof of this including the reporting furnisher of this derogatory report. 
2. The report shows that I have few accounts that are in good standing. All of my current accounts are in good standing. All of my credit cards are paid in full each month and both my mortgage and auto payments are paid on time and in full. 
3. The report claims I have a short credit history. This is not accurate since my XXXX  XXXX XXXX credit card account ending in XXXX was established in XXXX and most of my credit cards many years in age. 
4. The report claims I have too many credit accounts with balances. This is not accurate as I do not carry credit card balances on any of the credit cards or credit lines - all paid in full monthly. The only balances carried are my mortgage and auto loan balance. 

I am requesting one final time for Equifax to correct this error. If necessary, I look forward to proving the above in small claims court. 

I have enclosed a copy of my license, a utility bill, a copy of the credit report showing the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I received an email from Experian that said a fraud alert was added to my credit report I called to see who added it because I did not give authorization to add a fraud alert to my credit report when inquiring about it I asked the representative who did it she would not give me any information I asked for a supervisor and she hung up in my face

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 2019-03-15
Company: The Receivable Management Services LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2019 when attempting to get pre-qualified for a home mtg. loan, I found that there was a collection on my credit report. I contacted the original creditor, and asked them what I owed their company. I right then paid the outstanding amount they said I owed. The company emailed me a receipt. I then rechecked my credit report after a few days, and not only is the debt still showing unpaid but another collection agency on XX/XX/2019 added a new collection from the same original creditor. I have asked and sent numerous emails to try to resolve the issue, with no response what so ever. I also called the collection company, was told someone would email me. I am trying to purchase a home, and this is an urgent matter. I need a response, and need my credit report updated showing the account has been paid.

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