BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
COMPLETE FRAUD AND DECEPTION. I NEVER MADE A PAYMENT OF {$50.00} XX/XX/2019 THAT IS A XXXX LIE. WHO IS XXXX? THAT IS NOT EVEN A PERSON THEY TOOK LONGER THAN 30 DAYS PERIOD.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: The CBE Group, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an email from this company telling me that I owed them a debt and that I gave them permission to contact me via my email and I did not. I could not access the content of the email so I called the company. I instructed he representative that I did not know what the alleged debt was in regards to and he kept trying to get me to set up a payment arrangement for a debt that is not mine. I refused and told him that they were no longer allowed to contact me via phone or email but throu gh US mail only. I instructed him to send me everything the had in regards to the debt so I could review  it

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 2023-01-19
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I opened a Citi Priority checking account with CitiBank due to a promotional offer they had at the time. My mom wrote me a check for {$75000.00} from her XXXX XXXX XXXXXXXX checking account for me to deposit into my CitiBank account for the promotional offer. Deposited the check at the CitiBank financial center in XXXXXXXX XXXX with my mom. CitiBank cashed the check on XX/XX/2022, which is reflected in my mom 's account with XXXX XXXXXXXX XXXX as the funds have been withdrawn. However, CitiBank then deemed the check fraudulent and closed my checking account with them on XX/XX/2022. As a result, I no longer have any access to my account with CitiBank and only have the email notifications that they have sent me and checkbook as a proof. CitiBank also informed me that they would be sending me a letter stating why my account was closed but have never received this letter of explanation. They also have not returned the {$75000.00} to my mom 's account at XXXX XXXXXXXX XXXX. 

I have attempted to resolve this issue with CitiBank multiple times, including visiting the financial center and speaking with the supervisor, but have been told that my account is terminated and that the funds would be returned by mail within XXXX days. Despite this promise, it has been over XXXX months now and the funds were never sent in the mail and there has been no attempt on their end to return the money. I have called CitiBank numerous times throughout the XXXX months to try and find a resolution for how the funds can be returned and have wasted countless hours on the phone with them, only to be transferred to multiple departments with varying answers. 

I also attempted to contact XXXX XXXX XXXXXXXX to file a dispute or claim, but was told repeatedly that the funds have been cashed by CitiBank and are in their holding and that I needed to create a claim with CitiBank in order to have the funds returned. XXXX XXXX XXXX has also sent a letter stating that the CitiBank has the funds. I have called CitiBank again and been transferred countless times again, but all CitiBank representatives are now telling me that XXXX XXXX  XXXX needs to create the claim despite the fact that I have already informed them that XXXX XXXX  XXXX can not do so. 

It is clear that both institutions are simply passing the responsibility back and forth, leaving me with no resolution in sight and wasting countless hours of my time. It has been XXXX months since the account has been closed and there is no indication that the funds have been returned to the checkmaker 's account, and no accountability or willingness to resolve this issue on the part of either 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 2015-05-15
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian is reporting a collection item by XXXX XXXX that is not a validated debt. I have asked for this information from them but they will not provide it to me. They say they previously sent it to me but I have not received anything. In my recent complaint about them through consumer finance they said they sent me a notice in 2013, but I never received the notice and invoice they say they sent to me. 
I am disputing this debt because I am not being given enough information to figure out what these charges are specifically for. I gave XXXX of XXXX XXXX the proper notice, letting them know I was moving at the end of XXXX of 2013. I believe they are trying to charge me for rent after we moved out. There should be no late fees because I provided notice. What is the misc Fee XXXX? Why is there a XXXX Charged Owed? Why am I being charged {$430.00} for rent - for what time period? How is this being calculated? What is the prorata amount and how many days am I being charged for? Why is there a utility reimbursement for trash, sewer and water? Where is the proof that XXXX of XXXX XXXX assigned this collection item to XXXX XXXX? How did they verify with XXXX of XXXX XXXX that these charges are valid, legitimately owed, and properly calculated? Did they simply look at a statement and take it as face value? How do I know they are licensed to collect in the State of Ohio where I reside? They have n't provided me with their license number and registered agent as I requested. I want this item removed from my credit report because it is an unvalidated debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Experian Information Solutions Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I tried to delete this account off my credit report because they are old account that are closed account like ( XXXX XXXX ) XXXX XXXX XXXX ), XXXX XXXX XXXX and XXXX XXXX XXXX that isnt my account they are doing nothing to help me.

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 2022-01-25
Company: EQUIFAX, INC.
State: DE
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 my name is XXXX XXXX, I am writing to delete/remove the following information in my file. The items I need deleted/removed are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted/removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete/remove the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: Experian Information Solutions Inc.
State: AZ
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 been a victim of identity theft Experian and XXXX XXXX have still reported inaccuracies on my credit report I have filled a police report, identity theft report. Each company still refused to remove an inaccurate account on my credit report. This has affected my entire life I just want justice. This person that has stolen my identity has destroyed my life and deserves to be held accountable for their actions. I have filed many disputes credit freezes fraud alerts I dont know what else to do.

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 2020-05-21
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My us banking ReliaCard is blocked and I can not use it. I have been calling the number on the back of the card and I cant get anyone on the phone. I do not have a bank account at the moment.I am trying to get in touch with someone so they can remove the block and Ill be able to use my card again.

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 2020-05-21
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: Account status incorrect

Complaint:
XXXX XXXX : I had one late payment out of 36 payments on a car lease. The reason the payment was late is that my online banking service failed to deliver it on time.I called XXXX XXXX  and they even wiaved the late fee. Im unsure why this is still negatively affecting my credit. 
I have two car leases that I'm paying today and I'm never late. Furthermore I've been leasing vehicles since 2000 and I've never had a late payment in 20 years! 
XXXX XXXX : I have no idea what this charge is. It appears to be a XXXX  bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: EQUIFAX, INC.
State: CO
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 went online around XX/XX/2020 to try to temporarily unfreeze my credit report, as I have done previously. I was unable to do so, after entering in my myEquifax login info the screen said " we are temporarily unable to complete this request. please try again later. '' I proceeded to try to login on my laptop and mobile devices ( XXXX and XXXX  ) to get the same message. This has continued until today when I attempted to call the number provided on the site in which I spoke with several different employees ( employee ID XXXX global consumer team, XXXX - MyEquifax as well as her supervisor XXXX XXXX all of whom failed to verify my identity and unfreeze my report. As a consumer, I have the right to access of my report and I am not being adequately assisted to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this collection debt from ARS. I have asked them to provide proof that this is my debt. How old is out? Where is it from? Who did they purchase it from? They do not respond and just keep putting it on my credit report. I have asked for them to remove and they will not. The constant calls are becoming too much. They do not provide me with any information as to what this debt is. This has been going on for years now and they keep putting new stuff on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I submitted over 2 months ago an original statement of Identity theft affidavit which was notarized, XXXX of the XXXX bureau 's refused to do anything without their being a police report submitted as well. Therefore I went and filed a police report and sent the FTC identity theft affidavit a second time ( certified mail to all XXXX bureau 's ) XXXX made me fill out there own form claiming that they did n't accept the FTC affidavit, and it looks like they removed stuff from my credit report but did n't block it. XXXX has come to me requesting further proof of identity XXXX the exact same thing was in my XXXX affidavit mailings a copy of my state issued ID and social security card, this is just stalling XXXX and Experian sent me a letter that they have already verified ( thats right they " verified '' fraudulent information ) and wo n't investigate again unless I submit more evidence, as if the police report was n't enough! I called the FTC XXXX and they told me with the police report all XXXX bureau 's should have removed the information by blocking and notified the companies within 4 business days according to FCRA! therefore I am filing this dispute because I am tired XXXX, I hired an online credit attorney which got me nowhere, i worked with the FTC, it got me nowhere, I filed a police report, their run-around is absolutely criminal the way they are ruining my life rather than properly removing this information! The companies I contacted asked the information be removed themselves XXXX because they noted it was fraudulent on their investigations, there is no reason at all the bureau 's should doubt my claim and it is a smack in the face that they claim to have verified it!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-05
Company: Mr. Cooper Group Inc.
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We missed a monthly payment, which started a cascade of late fees with the lender. We have attempted to set up autopay feature, which was not set up correctly, which resulted in an NSF fee for insufficient funds. 

I became aware of the late fees on XX/XX/20, and called Mr Cooper on that day. I spoke to XXXX, and he agreed to remove one of the late fees. On the same day, I attempted to set up autopay feature. While setting it up, I notice a couple of things : 1. There is no way to verify or confirm the configuration to see if it is correct.

2. There is no way to review the configuration to see how it is set up.

3. There is no documentation that describes how to set up the autopay feature.

Two weeks later, on XX/XX/20, I noticed that the payment to Mr Cooper was reversed, and I was charged {$15.00} NSF fee. I called up Mr. Cooper, and spoke to XXXX about this. She was unable to waive the remaining late fee, or the NSF fee. I am filing the complaint because I believe that the NSF fee is unfair, and the Mr. Cooper website lacks needed support to help the customers to set up the autopay feature. 

As a result, the autopay feature has the potential of gauging the customer who doesn't know how to set it up. I believe that Mr. Cooper needs to take further steps to protect its customers against unfair charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have disputed wrong information on my report since XXXX/XXXX/2016 and I have not receive any dispute letters from Experian.

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 2020-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 am aVICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception within my Transunion report XXXX This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit

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 2017-09-08
Company: EQUIFAX, INC.
State: NY
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:
My private information ( e.g. social security number, address, birthday, etc. ) is most likely to have been stolen in the massive hack of Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan servicing will not cancel my PMI.I have been up to date with my payments. I have requested cancellation of PMI in writing and send it through email on XXXX XXXX. At the time my LTV was 78 %. Now it's at 68.7 % and haven't received anything in writing or email about cancelling my PMI. I called the loan servicing on XXXX XXXX and request to cancel my PMI over the phone the rep said she would take note and i requested a confirmation number which is XXXX. I processed to call XXXX XXXX XXXX about my private insurance but they weren't able to obtain any information from them. I would have to speak to a loan servicing rep from lakeview loan servicing. I asked a question how long does it take to can a PMI? the rep answered with as soon as they receive a call from lakeview servicing loan it would take minutes to go ahead and cancel my PMI. I processed to call lakeview servicing but keep being transferred to another department. i also email Mrs. XXXX XXXX about my issue but she answered with im out of the office and click link to below to fill out XXXX XXXX XXXX XXXX. The submission is 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 2020-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2022-01-25
Company: Convergent Resources, Inc.
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX. XXXX, I recieved a bill from the company Convergent. 

It was for charges to XXXX 's. I have never even done business with XXXX 's. 
It said on the collection how to dispute the debt. It looks fishy, like they are trying to get someone with my name to acknowledge the debt and they collect it. I do not trust these scammers out there. 

I am not responsible for this debt and I have mailed a letter to them along with a copy of the bill they sent me. 

I know there are other people with my name, and this is NOt my bill. 
This company needs investigated. This is the first bill I have ever received from them. 
The Company is : Convergent, Convergent Outsourcing, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, WA XXXX Phone # XXXX. They state as of XX/XX/XXXX I owe {$820.00} They never show any other detailed charges or interest incurred. I have never has any bill with so many ways and information of disputing the bill. The bill looks fishy.

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 2020-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation