BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-14
Company: First National Collection Bureau, Inc.
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Regarding XXXX CS Number XXXX Previously, I contacted XXXX to verify the return of the company 's equipment. 
I am disputing the total amount of {$330.00} debt or any portion requested by First National Collection Bureau , Inc., XXXX XXXX XXXX, XXXX, XXXX XXXX and contact number XXXX. I returned all equipment on XXXX XXXX, 2015, to a XXXX Installation Technician. The Technician was installing cable network for my niece XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. The Technician informed me that he would turn in the equipment promptly. Therefore, I trusted the Technician ethical and moral since XXXX hirer responsible employees for providing excellent customer service. 
Therefore, I should n't be charged or harassed for funds on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
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: Account status incorrect

Complaint:
On XX/XX/2019, someone fraudulently used my XXXX credit card ( issued/managed by XXXX XXXX ) to purchase what appears to be the same item in span of a few days from a store or an online order in New Jersey. I live in XXXX, FL and have not been in that other state. Because I have not used this credit card in years there was no balance, upon this charges occurred statement were sent to wrong address so did not reach me. After a few months XXXX/XXXX   contact me via phone to let me know the balance for those transactions in XXXX, which were overdue, I immediately reported those were fraudulent charges and file the corresponding information to initiate a fraud investigation. When I reached the credit report entities XXXX and Transunion to report fraud, I noticed the negative reporting on my credit report, I have never being late in any outstanding credit account now or ever. I filed a dispute, both entities closed the investigation indicating that my dispute was validated with credit issuer ( XXXX ) but the late payment will remain. The account with was closed and balance removed was not late because I was not responsible for these fraudulent charges. However, despite various attempt to remove the delinquent or missed payments notes on my credit report, XXXX and Transunion has not cleared that from my credit report record, which has a significant impact in me credit score.

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 2022-05-16
Company: TD BANK US HOLDING COMPANY
State: TN
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 received a denial from Target on a credit cart application. I contacted target and they told me that seone had applied using my driver 's license number and an XXXX email. I do not have an XXXX ail account. It resulted in an inquiry on credit. I did not apply for this. Target advised they could notify the credit agency to remove the inquiry. They advised me to call my local DMV because they used my license number. I did that. They also told me to come to this website to report it as a potential ID theft attempt. Thank you so much. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-21
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, 2015, I spoke with XXXX at Rushmore and confirmed all documents were received and sent to be reviewed. XXXX XXXX called the homeowner to ask for social security benefits documents and it was faxed over XXXX times. After confirming that the documents were received, Rushmore foreclosed on XXXX XXXX who is XXXX years old. XXXX XXXX has no where to go and the abuse that 's going on against the elderly must stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XX/XX/XXXX, I submitted the information/dispute below through your office and included supporting documentation (case #XXXX) due to an error on my XXXX Report.  They favorable resolved the issue.  Thank You!  However, I just discovered that EXPERIAN is reporting the erroneous information.  As a result, I sent them the supporting documentation and even referenced this case.  However, they refuse to remove the information and they informed me that it was verified years ago.  I gave them the name of the state representative, just as I did here and the name of the Clerk of Superior Court in XXXX (original attachments).  Yet, they still refuse to remove the file.  Please help!!

FROM THE ORIGINAL COMPLAINT:
While attempting to obtain credit, I learned that I had a state lien on my credit file for unpaid taxes as a result of an out of state vehicle purchase.  After working with the state agent (XXXX) and resolving the matter, it was determined that the amount was incorrect and that taxes had actually been included in the loan.  However, it was not enough and not appropriately applied.  At the same time, I was unaware of this fact.  Thus, the state made the correction by altering the amount, updating the file and correcting the error.  Thus, I paid the corrected difference.  However, the original amount shown on my credit file as a paid debt.  I visited my local tax office, for they are aware of the amount paid, etc. and was informed by the tax office (XXXX) that they did not report the information.  A third party apparently sold it to the bureau and they are reporting it inaccurately.  I have disputed the entry and supplied supporting documents.  However, the credit bureau refuses to remove the inaccurate information.  
I want all of the information related to this entry removed.
The attached Public Record is from XXXX.  I'd like to ensure that it doesn't appear on any of the credit reporting bureau files.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I contacted Experian to have names incorrect names removed from my credit report. They advised me to find the " creditors '' who have reported the information and would not assist me updating the account regardless of proof of identification. When asked to speak to a supervisor I remained on hold until the representative eventually intentionally disconnected the phone call.

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 2022-05-16
Company: SERVICEMAC, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My husband and I bought a home in XX/XX/XXXX that required flood insurance. We purchased flood insurance at closing and an escrow account was set up for the flood policy only. In XXXX I found out that there was an issue getting the flood policy in place, however, I was never informed of the issue due to the lender - ServiceMac , LLC - sending letters to the wrong address. ServiceMac , LLC then purchased another flood policy for me and raised my monthly payment about {$400.00}. As soon as I was made aware of the issue I contacted the lender and my insurance to get the additional charge removed and the correct policy in place. In the meantime I made my new, more expensive monthly mortgage payment. 

When I called around XX/XX/XXXX to make sure everything was received, I was told by ServiceMac , LLC that they would not speak to me because I am not on the account. I had my husband give them verbal XXXX hour notification to speak with me and a third party authorization was emailed to them on XX/XX/XXXX. My escrow account has since been refunded, however, I need my loan to be reevaluated to lower my monthly required payment back to its original amount. I called today, XX/XX/XXXX and was told they could not speak to me again because my third party authorization was not in their system. I asked to speak with a manager and was told no one would speak to me, but I could call back in 10 days and maybe the authorization would be on file by then. 

I don't understand why they would speak to me last month but not this month. I signed many of the lender papers at closing and my name is on the warranty deed. If my husband could call he would, but unfortunately his job does not allow for him to easily make phone calls during the day. I don't think we should have to make another extra payment next month just because they are waiting for an authorization that was already sent over and have verbal authorization to speak to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Issue: Other fee

Complaint:
I logged into my account today to find a {$29.00} membership fee charged to my Capital One Secured MasterCard. Let me start by saying it is not the amount that is the issue, but the fact that this charge was never disclosed to me. I spoke with XXXX representatives from Capital One via online chat. Both individuals told me there was no option to waive the fee. I provided several links to the specific credit cards terms and conditions, XXXX of which highlighted XXXX of the perks of the card as " {$0.00} annual fees. '' After an hour of disputing, they still refused to remove this charge and I feel deceived, taken advantage of and inconvenienced. As a young military spouse I will be paying off my account and switching to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have submitted several letters to all XXXX credit bureaus- XXXX XXXX TransUnion XXXX and XXXX disputing this Account with XXXX  XXXX Bank XXXX They keep sending me a letter that this account was verified, but have failed to explain WHY, WHO, & WHEN? They have failed to present me with their method of verification. They have also failed to show me original documents bearing my signature with this account. This account also shows a few incorrect information such as the ''date opened '', and ''date of last activity ''. Please delete this incorrect and unverifiable information from 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 2020-06-12
Company: Experian Information Solutions Inc.
State: OK
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$94.00} XXXX {$3000.00} XXXX {$95.00} XXXX {$440.00}

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 2016-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received an email from my employer on XXXX/XXXX/XXXX advising I had a garnishment processed on my paycheck. 

Was given phone # XXXX to call XXXX and reference case # : XXXX. 

When I called a XXXX answered the phone and denied any request to not be recorded. Advised my mother was served my summon on XXXX/XXXX/XXXX, I advised I am not my mother. Then I was told I called in on XXXX/XXXX/XXXX but I did not. 

I asked for ownership of the debt to be mailed to me and stated I feel that my rights were violated because I do not understand how I can be garnished when I never had the chance to dispute said debt. 

When I asked what documents would be mailed to me, rep XXXX and Supervisor XXXX XXXX informed me they do not know and were not required to know what I am suppose to receive and would not provide me with the name of the regulatory agency I should follow up with if I feel that my rights were violated. 

If this debt is valid I want to make good on the debt and I want to keep misinformation from hitting my credit report. At this time I feel powerless because they already have garnishment withholding order in to my employer. 

I advised that if I do not receive the documents I will be at their office to request paperwork in person. 

They said they had me on recording acknowledging the debt but refused to provide any copy of the recording or to play the recording on the phone. 

Please help me. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX ; XXXX and Transunion are reporting incorreclty that I am ( 90 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Experian Information Solutions Inc.
State: AR
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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 
XXXX {$1100.00} XXXX   XXXX {$350.00} XXXX {$1000.00} XXXX {$390.00} XXXX {$630.00} XXXX {$2300.00} XXXX {$4000.00} XXXX {$1700.00}

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 2023-01-06
Company: EQUIFAX, INC.
State: CA
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 unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be fixed ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX ; Experian and XXXX are reporting incorreclty that I am ( 90 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2019-12-15
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/2019 I became aware of fraudulently opened accounts in my name on my credit report. As advised by an attorney, I immediately filed an FTC Identity Theft Report and a Police Report with the XXXX XXXX Police department. Per the FCRA section 605B, fraudulent information is to be blocked from a consumers credit report with a valid Identity Theft report, an assertion of identity theft, and a request to have these items removed, within 4 days of receipt by the credit bureau. Equifax received my documents on XX/XX/XXXX, and as of today the fraudulent items on my credit report have not been blocked, but Equifax has submitted a 30 day dispute to the credit bureaus which does not follow the FCRA Section 605B. I demand that Equifax follows the law and block these accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-15
Company: Athena Bitcoin Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XXXX  transferred funds in the amount of {$870.00} to bitcoin on XX/XX/2019 have sent several support tickets to bitcoin and XXXX  XXXX  have not been resolved as of today funds are not in my bitcoin account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-12
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a checking account at chase and tried, on five separate occasions, to withdraw funds but was unable to for various reasons : First few visits, some computer glitch that can't be fixed on a weekend was to blame. 

Last visit, they told me that they got an email from the " system '' that they need to scan and check two IDs of mine to release the funds, which I've provided on every visit. After doing so for the fourth time, they said they needed to hear back from the " system ''. 

Fed up with this treatment, I tried to close my account today. Handed the teller a withdrawal deposit and a cashier 's check with the total amount was prepared and was actually handed to me before it was snatched right back when I mentioned that I'm closing the account. 

Now they say they can't release the funds till the " system '' approves account closure. When I asked them just for the funds without attempting to close the account, they refused and enjoyed themselves seeing me spend yet another half an hour with " system '' clowns. 

This reminded me of third world sketchy banking behaviours, straight from a XXXX or XXXX   sketchy financier/banker playbook. 

Let 's see if this oversight platform can make me feel like I'm in XXXX, Georgia again and not XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation