BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-06
Company: Experian Information Solutions Inc.
State: NY
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:
I sent a letter to XXXX, XXXX, and Experian to update my address to the correct address because i only have one address. the job information they have on file was incorrect. My name was incorrect on my file. I need to have my personal information updated to the correct information. I previously sent a copy of my state id and utility bill to show proof of my correct personal information. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

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 2017-06-23
Company: REGIONS FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
The company is XXXX XXXX XXXX XXXX with an address of XXXX. XXXX XXXX, XXXX, GA XXXX. Phone is XXXX. Our account is XXXX with last 5 digits of account being XXXX. Account is under the name XXXX XXXX, XXXX XXXX. <P/>Trouble with this company has been from inception of the account, but documentation started XX/XX/XXXX. When calling you can never get resolution and they are always having technical difficulties. We have been trying to close this account without success. Most recent conversations were on XX/XX/XXXX at XXXX XXXX PST. Spoke with XXXX to say we keep receiving invoices showing a credit balance ( they owe us ) of {$4.00}. He said he would take care of clearing that out and he shows the account was actually closed XX/XX/XXXX. He gave me a case number # XXXX. <P/>On XX/XX/XXXX I received another invoice, this time with a " Special Credit Fee '' charged in the amount of {$79.00}. With the previous credit they are billing us {$75.00}. I called XX/XX/XXXX at XXXX XXXX. PST and spoke with XXXX who transferred me to XXXX XXXX who then transferred me to XXXX in Financial Services. She admitted she did not know what the charge was or why it was on our bill, but would credit that amount to clear it back to XXXX. She also confirmed our account was closed XX/XX/XXXX. She provided me with a Billing Case # XXXX and claimed she really is n't supposed to give that information out, but I demanded some sort of reference number to prove this conversation took place. <P/>Other calls and cases to this company include : XX/XX/XXXX case # XXXX, XX/XX/XXXX confirmation number XXXX ( this call included the representative using the " XXXX '' word to me when his computer did n't boot up ), XX/XX/XXXX mailed request to close account, XX/XX/XXXX email to XX/XX/XXXXto close account - this was followed up with a response from them telling me I needed to call to close the account. XX/XX/XXXX mailed letter again to close account. And the two most recent contacts are listed above. <P/>This company will invoice with a due date that is one to two days earlier than when you receive the invoice in the mail. I have saved the envelopes showing the post mark. This triggers a finance charge and you can never get ahead even when full payment is submitted. Example : Post mark says XX/XX/XXXX ( Friday ) but bill is due XX/XX/XXXX ( following Tuesday ). With time needed for post office to process we do n't receive the bill until XX/XX/XXXX - a day after it was due. They are purposely delaying to create fake finance charges.

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 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XX/XX/XXXX I received a letter from Transunion stating that XXXX was fraudulently opened on XX/XX/XXXX in my name despite having " fraud alerts '' placed with the credit reporting agencies back during COVID-19 XXXX when fraudulent accounts were opened then. 

I have freeze alerts and fraud alerts in place so I am not sure how this account was able to be inquired and opened. 

I contacted XXXX on Sunday XX/XX/XXXX and spoke with a representative that informed me he was aware the fraud occured and that they contacted the credit reporting agencies to remove the " hard inquiry '' and " tradeline '' however they are still reporting within my credit files. 

I do not live, or ever have lived at XXXX XXXX XXXX XXXX XXXX NJ XXXX and I believe this is the address used to complete the fraudulent application.

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 2022-03-09
Company: Experian Information Solutions Inc.
State: NV
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 happened to check out what was going on with my credit report. I noticed an inquiry that does not belong to me. Please remove this from my credit report immediately as this is poor judgment with on my credit worthiness. 

XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XXXX XXXX, XXXX XXXX Specialty Clothing Store Inquiry date : XX/XX/XXXX XXXX XXXX Tenant Screeners ( Reseller ) Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Unions Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX Tenant Screeners ( Reseller ) Inquiry date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX ( Bank XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX 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 2017-06-23
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A bank levy was placed against me in the amount of XXXX. Apparently, midlund funding won a lawsuit against me in XXXX. I did n't even know the lawsuit was happening, due to never being served. ( They served an address I Never lived at ). The original debt is in XXXX XXXX and 14 years old. I  live in XXXX, and am unsure as to the company I owe the money, and the amount they took out of my bank account can not be proven. This company is breaking the law, and getting away with it, and it 's not right! They have ruined my plans, and now I 'm stuck filing papers with the court in XXXX XXXX  and I 'm still missing XXXX. They have legally stolen from me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2022, I received results from an investigation with confirmation # XXXX of inaccuracies on my credit report. Since XX/XX/2022, I have been unable to receive a new detailed credit consumer report reflecting the deletions made. Instead, when I log in to my account online, a pop-up is displayed to call customer service and mention code BLNK. I have been on the phone with customer service at least 10 times, speaking with multiple supervisors who continue to ensure me everything will be updated and I will be able to purchase products offered by Equifax that allow me to view my credit daily. This delay has caused adverse action on my personal character as defined in Title 16 : : Chapter 1 : : Subchapter F : : Part 640 : : 640.2. This matter needs to be resolved responsibly and legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Credit Karma, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Hello, im trying to get info of the Credit karma settlement. I filled out 1/2 dozen credit card applications, from XXXX and was denied on all. With the assumption that i was pre qualified for the cards from the info that credit karma was giving me. And also was told thru the site that my chances to get approved was great. Please help me get the info i need. Thank you ... XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, 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 2017-06-23
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XXXX I called Citi because I was having issues accessing my account the few days before hand. Knowing I had a payment coming up I wanted to make sure I could pay it to not incur any late fees. Upon calling them I was transferred to numerous reps saying that they could not find my account or that it was closed. I was finally able to reach someone who could tell me what was going on. They said that I had filed for bankruptcy and that my cards were closed and the balances sent to collections. I informed them that I did not file bankruptcy and that someone in my family with the same name did. This is verifiable by a search of my social which is different from theirs. Their " Recovery team '' said they would research the matter and get back to me. Its been 6 business and I called again, only to have them tell me it would take 3-5 business days longer. At the time of writing this I currently do n't have access to the two credit cards that I use primarily. More so, I am worried that I will have my credit score affected, debt collectors calling, late fees accrued, and ultimately an uneasiness if I have to make a big purchase.
I have two cards and both cards were closed.

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 2017-06-23
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
From XX/XX/XXXX through XX/XX/XXXX I have been charged monthly Payment Protection fees totaling {$580.00}. I did not enroll or agree to these fees. I 've contacted the company to cancel this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: NC
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 can not access my account. When I try to login it says " We are temporarily unable to complete this request. '' It has been saying that for months. My loan application was denied due to Equifax locking my credit account. They told me to login and unlock it, but this keeps happening with the unable to complete request. I want my account unlocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Citibank at XXXX. XXXX XXXX, XXXX, OH, XXXX ; controls my Macy 's card and my Home Depot card. I emailed both businesses to let them know I am the victim of Identity Theft and Computer Hacking. However, they refused to work with me and the employees that I have arrangements with do not have the authority to make any such arrangements at all. The F.B.I. sent Citibank and the creditors themselves letters stating that the have the criminal in custody awaiting adjudication. None of this has stop their harassment, or their refusal to make arrangements that I can afford. This added XXXX by their continued harassment can XXXX XXXX as I have had XXXX XXXX in XXXX that I should n't have XXXX and a very XXXX XXXX in XXXX. Their employees are rude, do n't want to allow you to finish a sentence, which enrages me so that I can finish a sentence without their constant interruptions and demands that are unreasonable. I 'm currently living on {$300.00}, and they want $ XXXX a month. This is unbelievable.

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 2017-06-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
We entered into a Loan modification with our Mortgage lender Select Portfolio Services On our home 2 years ago. We were told to not make a few payments before they could start the loan modification. For 2 years they denied us but then let us appeal. Every time we would appeal we would have to resend all of the paper work in again because they misplaced everything. We did this around 12 times over the coarse of 2 years. Our house has been in a constant foreclosed state. We have not made any payments because we were afraid we would loose the house. We were just notified that they denied our Loan modification because the process has taken too long, which was not our fault, but would reinstate our old loan We only had 2 weeks to agree to the new terms or we will be foreclosed upon. The new terms are ; They doubled our payments so instead of {$3000.00} a month now it 's {$6000.00}. The whole reason we did the Loan Mod was because we could n't afford the old payment. Also they want a baloon payment of {$85000.00} in one year. Is this even legal?? These terms are rediculous and we can not afford this and are going to loose our beloved home of 26 years we have raised XXXX children there. They have forced us into foreclosure and we can not get a new loan because of back payments. Please help as the deadline is today. Sincerely XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had closed a credit card with Chase less than a year ago. My wife inadvertently used this card to get a refund from a merchant, a grocery store. Upon learning of the mistake I called Chase to have the credit applied to my current Chase credit card. After a series of phone calls with customer service agents, dispute resolution agents and supervisors. Chase could find no record of the closed account. In my last conversation with Chase they agreed to apply a credit for the {$57.00} to my current card as a courtesy. I instead received the following letter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-22
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
**Hello, My name is XXXX XXXX . I repeating my complaint for some inaccurate items that still exist in my credit report. Please investigate these accounts as they are incorrect and not belong to me. 
**Credit cards** _XXXX XXXX XXXX  XXXX XXXX Reported : XX/XX/XXXX This charge off account is not mine, please provide me full documentation or delete it!!! 
_XXXX  XXXX XXXX XXXX : XXXX XXXX, XXXX This charge off account is not mine, I never receipt any loans or credit from this company. Delete it!! 
_ XXXX XXXX XXXX  Reported : XXXX. XXXX, XXXX Provide me full documentation or delete it!! 
_ XXXX XXXX Reported : XXXX. XXXX, XXXX This account reported that I was late on XX/XX/XXXX, XX/XX/XXXX. However, I never late on this account. Please provide me proofs of payment or remove it. 
_ XXXX/XXXX XXXX Reported : XXXX XXXX, XXXX This account is not mine. Delete it immediately!!! 
_XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX Provide me documentation or delete.

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 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2017-06-23
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On my Citi card account I made two payments over the phone with customer service. I was told the payment did n't go thru. I made online payments with no problems, they always went thru. I made an online payment to bring the account current. Without contacting me about the account being closed, they just sent me a letter announcing the account was closed because of those two over the phone payments which they said they presented 3 times each. My bank said they have no record of those two over the phone payments ever being presented for payment, not even once, let alone 3 times each. For the last two months I have been trying to straighten this out. I have been told my complaint would be reviewed and someone would call me. No one has called me other than their phone customer service people wanting me to make a payment over the phone. I have informed them that when the account is reopened or a new card of the same type with the same benefits with the old balance transferred to the new card, and everything is restored to where it was, the way it was, then I would resume making payments. Until then I will make payments into a separate saving account so when they have corrected this mistake, I will forward all those payments and bring the card current. I did everything the way I was supposed to. I did nothing wrong and yet I am being punished and seriously inconvenienced. Since my bank has no record of the payments in question having ever been presented, it would seem my bank did n't do anything wrong either. And yes, I do want this published on consumerfinance.gov. Thank you in advance for your help in resolving this matter. Oh, and there better not be any credit report repercussions either, since I did what I was supposed 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 non-monetary relief
Consumer complaint received 2021-06-06
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:
There are XXXX accounts on my credit report that do not belong to me now I have gone thru the bureaus and the furnishers I have been sending them multiple letters and phone calls regarding this how is this on my credit report if it's not mine I need this taken care of ASAP!!! 

Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  I Account Number : XXXX Reason : This is not my account Account Name : XXXX  Account Number : XXXX Reason : This is not my 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 2018-05-02
Company: Monterey Financial Services LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I called the company on XX/XX/2018 to work out payment arrangements. After finding out the original creditor went out of business and merged with Monterrey Collection SVC I call to work out a payment plan. After going through the verification process they told me my agent was a woman named XXXX. After speaking with XXXX I informed her that I could make a payment of {$50.00} and start to make monthly payments to satisfy the debt. She informed me that they could not make payment arrangements or partial payments and the debt needed to be satisfied in full or she would turn me over to her legal team and that it could have negative impact to my credit. She then stated that they would need to do an asset verification on me to see where they could transfer the debt to another one of my accounts that has nothing to do with this debt. At this time I got off the phone with the lady, due to the statements she was making.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation