BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-23
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: Old information reappears or never goes away

Complaint:
I submitted a dispute to Transunion on XX/XX/XXXX concerning late payments on all of my XXXX and XXXX XXXX XXXX student loan accounts. I included documentation from XXXX XXXX XXXX  showing all 8 of my students were never late and were covered under forbearance without a break in dates. Transunion removed all late payments on all 8 of my student loan accounts between XX/XX/XXXX and XX/XX/XXXX. I received a new credit report via mail to confirm this. Between XX/XX/XXXX-XX/XX/XXXX, Transunion inserted 1 late payment per student loan account back onto my credit report. On XX/XX/XXXX, I received a call from my mortgage lender who informed my that my loan process ca n't proceed to closing because my credit score had dropped XXXX points. On XX/XX/XXXX, I talked to a representative and informed her I am in the process of closing on a home and this information have halted my closing process. She told me that if I get another document from XXXX with a more current date to fax it and the payments would be removed. On XX/XX/XXXX, I called and talked to a different representative. She said they had not received my fax of the documents. I asked her once they receive these documents how long would it take to remove the late payments. She informed me due to the situation it would be immediately since there were notes already placed on my account stating what was needed. I called on XX/XX/XXXX and spoke to another representative. She told me they have received my documents but they could not remove the late payments. I never received written notification that these late payments were added back on my report, which in violation of Sec 611 of Fair Reporting Credit Act. The only way I knew that the late payments were added on my credit report is by the mortgage lender, who called to say that my loan process could not proceed until this is cleared up. I am currently in the process of closing on a home and these late payments have not only halted that process but has caused tremendous amount of stress.

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 2022-04-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I recently received copies of my most recent credit reports and noticed that there is outdated and incorrect information being reported on my credit file. The purpose of the Credit Bureau is to report factual information pertaining to a consumer. I have asked about the following accounts over and over, but get the same e-Oscar generic response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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've always used XXXX XXXX, but decided to try all 3 credit bureaus for more accurate information. I tried creating accounts, but the authentication didn't always work because the information is wrong. There's accounts, personal info, creditors, inquiries, etc that are incorrect. I need help filling a dispute and fixing my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: Midwest Recovery Systems
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I pulled up my credit report and notice a collection debt from Midwest Recovery Systems for XXXX being reported. I have disputed this with credit bureau but no information has been provided about the account to me. I sent a certified letter to Midwest Recovery Systems and still no response or information about this account. I haven’t received any information nor have I signed any contract with this company. I am unaware of the company. They are destroying my credit with this collection account on my credit report. This needs to be removed off my credit report because I have never done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: SUNTRUST BANKS, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I contacted Suntrust to advised I had been scammed with an online loan company.  They put a block on my account. When I went into the branch the next morning the Branch manager advised Suntrust was closing not only my checking and saving accounts but my sons as well.  They had decided not to do business with us any longer.  Mrs XXXX the branch manager cut up my ATM card in the middle of the branch and advised they would not give me any of our funds from any of our accounts.  I had $XXXX money and I am a single mother of XXXX   at the time that is out of work on XXXX.  When I asked for at least $XXXX  in gas to get the kids to school she advised there was nothing they could do and told me to get out of her branch.  This is all on tape.  I have called every day for 2 weeks and no one will release out money.  It is only $XXXX.  Since this all happened we have had my sons pay check bounce back to his employer and we can’t get that money.  Cell phones have been shut off.  Car payment was late.  I have had to pawn my grandmother jewelry, my jewelry and other items in my house just to pay bills and put groceries in the house.  I also have had a XXXX XXXX due to all of this cause of all of the stress.  I do not have the money to hire an attorney to file a suit against Suntrust.  Everyone has been extremely rude. I have been yelled at and treated like a criminal instead of the victim in this situation.  I had written a check for XXXX work that has bounced and now my XXXX   won’t touch my XXXX.  I also lost a brand new job cause my car was repossessed and I didn’t have transportation to work.  Suntrust has put my family in a horrible hardship over $XXXX  freeze of my accounts! That happened on XX/XX/2019.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I mailed a letter on XX/XX/2021 that the Bureau was reporting inaccurate information in my credit report. Please investigate and promptly remove inaccurate, incomplete, or unverifiable accounts :

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 2017-08-23
Company: WELLS FARGO & COMPANY
State: MD
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:
I set up an open line of credit with Wells Fargo in XX/XX/XXXX. After paying off the debt I called to close the account. I was informed that I could keep the account open with no penalty, hesitantly I decided to do so. In XX/XX/XXXX I began receiving notices of statements via email. I contacted Wells Fargo and closed the account. Or so I thought, I received yet another notice which indicated to me that the account had NOT been closed. I contacted them and found out that not only had it not been closed, but that I would have to pay {$120.00} fee for having it open ( {$25.00} annual fee ). I paid them. I was then told that I could not close my account for another day for the payment to post. Then I was told that due to a weird way that they had to process the payment it would instead be a week. So not only am I paying fees, I was told I would not pay, I am also getting the run around on closing the 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 monetary relief
Consumer complaint received 2022-04-29
Company: CL Holdings LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX my account with XXXX XXXX was officially closed. After reporting fraud MULTIPLE times and giving them all the money I physically could I was happy to see the account finally close. Then, XX/XX/2020 I receive a notification from XXXX XXXX {$2000.00} due to Jefferson Capital Systems. I was on XXXX during the time of the notification so I tried to dispute the collection. All I received is that this account falls under FCRA requirements. During this XXXX I tried complaining to XXXX through the XXXX  and they replied that after they " investigated '' my account is was reported not fraud and that my account is now in the hands of Jefferson. I was finally able to save up the money to pay off this debt, but, after intense research I find out Jefferson Capital Systems is not accredited through the BBB, but on their website it says they are?!? And every review on this company is the same, all closed/ disputed XXXX XXXX accounts! I never received a letter, email, phone call or anything from Jefferson Capital Systems stating this debt is due. I can only see it on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
During this loan modification attempt, DiTech had repeatedly asked for a XXXX form in several different ways on a dozen different occasions. We provided this to them within a days time each time. This, in turn, flagged the IRS and we had to order a verification of non-filing directly from the IRS which of course took forever. There were times when I called to get updates on this application and representatives had not even seen any supporting package documents. DiTech then turned around and said that they closed the mod due to time lapsing. We had been advised this a week before the clients sale date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: Southwest Credit Systems, L.P.
State: IN
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: Was not notified of investigation status or results

Complaint:
We stopped using XXXX nearly 3 years ago and cancelling our account resulted in charges and fees which were very hard to verify. They would sent people to our home to collect equipment and then contact us for payment for unreturned equipment for over a year. The same thing happened with the balances owed. XXXX has sent this to collections multiple times and we disputed it every time asking for proof of the debt. The debt collection company they used sent us proof and then we notified them that it was not a bill or anything we could reconcile showing we owed XXXX for services used. We also provided an updated phone number to that debt collector to reach back out to us when they had some proof. When checking our credit we found that XXXX had changed the debt collector on the account  who we do not show any correspondence from, nor phone calls. I answer even spam calls and they have not reached out one time. XXXX moved this debt from another collector and never updated our phone number, giving us no way to know there was an active collection against us. They are not willing to remove the inquiry from our credit report and to date have not shown proof of the debt. As a company they do not understand that their system is broken and they try to charge consumers for things they do not owe. Like equipment returns. If there are then other payment disputes consumers will be weary to pay what seems to be false charges.After trying to collect for equipment that was returned for a year and then saying we owed money for something a year after we ended the service would seem suspicious to any person.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: CITIBANK, N.A.
State: CT
Product: Credit card
Issue: Transaction issue

Complaint:
I have all my credit cards on Auto Pay. XXXX including a car payment. Citibank credit card na of South Dakota now processes Home Depot Credit. I have been getting late fees and put into collection because Citi transactions with the bank have failed. Money is in the bank but they seem not able to access it. I do n't no they ca n't access it on my Citi cardI have never had an auto pay fail, what is the point if you ca n't trust them. I 've explained this to Citi so many times but the reps just want to keep updating auto pay. 
I wrote them a letter. An never heard back. 
I must have gotten a call every Sunday for the last four months. 
I am now sending them a demand letter. ( copy attached ) A demand letter needs an address but my SState says I can give to a teller? What! 
Also, Citi should make the address for registered agent clearly available. If they do n't want to talk to you. You should at least have the right to serve them. Citibank na ( South Dakota ) The branch of Citi that manages credit cards. Do they have a registered agent? 

I want Citi to clean up my relation with Home DepotI want Citi to clean up the all late fees on Citi Card and Home DepotI want to compensation for my credit being damaged, calls which were so misinformed they talked about my old bank'I wanted to compensation for negligence and advertence of the issue so late charges would mount. 
Customer service having conflicting or no data about current information. 
Customer service armed with only half truths causing conflict. 
Citi to pay a fine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
Due to XXXX Breach back in XX/XX/XXXX I've become a victim of identity fraud - some of my personal information but not limited to get into public access. Since then I've been fiercer-fully struggling to keep my information protected and put a id fraud notice on my credit report with all 3 major bureaus - XXXX, XXXX and XXXX.In XX/XX/XXXX I've discovered that some of the addresses I've never resided at been reported. After a phone call I've discovered that there are 2 credit accounts were opened on a person XXXX XXXX XXXX, using my credentials - such as SSN. I've reported such activities to FTC Identity Fraud Department and called Capital One Bank. They assured me that they will start investigation. At the same time, I've reported such activities to XXXX. XXXX requested additional documents to proof my point which had been sent to them via USPS XXXX. As of XX/XX/XXXX, literally nothing had been done - these fraudulent accounts still could be seen on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Millco Management
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company is reporting 4 medical bills on my credit report that are not supposed to be there. I requested validation in the form of a signed contract stating that I received direct service from them and would allow them to collect this debt. They could not provide me any signed documentation showing that I in fact owe them for the alleged debt. 
However, they did send me statements detailing specific health services that were completed with someone else which is a direct violation of my HIPPA rights and were not authorized to be released to or by any 3rd party. 

Alleged amounts owed : {$630.00}, {$630.00}, {$630.00}, {$930.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Looking over my credit and seen some items does not belong to me. The accounts need to be deleted from my credit report immediately. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section XXXX, subsection ( XXXX ) ( D ). The Following Accounts listed below XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX

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 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted 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 to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I been filing this dispute for about the 3rd time I have not have had any luck with removing the items and its causing me a great deal of stress. ive provided proof and there hasn't been resolved please help me fix this issue so I can try to get a home.

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 2019-12-16
Company: CITIBANK, N.A.
State: NJ
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 2 fraudulent charges on my credit card account on XX/XX/XXXX in the amounts of XXXX & XXXX form XXXX XXXX card. During the dispute the charges remained on my account as this was odd they wouldn't temporary remove the charges until investigation was closed. I already felt there was bias. After 3 weeks I received a letter stating I was responsible for the charges as the chip card was used. This was impossible as I had the card in possession and used it that day on other transactions.

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 2019-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
In XX/XX/XXXX, while the account was in collection status, this account with XXXX XXXX was paid in full and my contract was stamped by the company as paid in full ( copy attached ). In XX/XX/XXXX, after the account was paid in full, the company reported the account as charged off to Transunion. I have been actively disputing this with the credit Bureaus for months now. Upon talking to TransUnion on XX/XX/XXXX, I was told that the stamped contract that I submitted with my dispute did not meet the criteria. When I asked what the criteria was, the TransUnion representative told me he could not disclose that information to me. In the process, I have received many notifications from the free credit monitoring sites ( i.e. XXXX XXXX, XXXX XXXX ) throughout my disputing indicating that my reported balance has gone from {$1800.00} to {$0.00} and back to {$1800.00}.

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