BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a tax lien through WA state and its been paid off for over 2 years. Numerous times I have asked for it to be removed from my credit report both with XXXX and transunion and both stated I needed to ask WA state to do it. I called the state court again today and they said the credit agency needs to do it. No one is helping me and this is affecting my credit big time

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 2022-09-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/31 XXXX - I asked that Portfolio Recovery Associates XXXXtact me via US Mail and no longer to call me. 

XXXX XXXX - XXXX XXXX called from Portfolio Recovery Associates called. I asked for their mailing address and explained that I requested they cease contact via phone more than 24 hours ago and they were in violation of the law. XXXX proceeded to argue with me that she was not in violation. 

Portfolio Recovery Associates XXXX XXXX XXXX XXXX, VA XXXX The numbers used to call me were XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-14
Company: Experian Information Solutions 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 information incorrect

Complaint:
I called XXXX XXXX Credit Bureau because I had problem with their dispute online site. They told me they had corrected the area several weeks ago. 
I tried again today and it was n't fixed. I could not use the online site. I called customer relations. They transferred me to specialied consumer service offline. They transferred me to online customer service. 
They gave me an error code # XXXX and transferred me back to the offline customer service to do identity verification and merge my accounts because O was told I had multiple accounts. 
I asked how could I have multiples they could not answer that. 
They suggest I dispute live on the telephone and I got disconnected or maybe the rep. hungup the telephone I do n't know. 
I have duplicate accounts reporting information that 's not correct. 
I have accounts 7 years old that they wo n't remove, saying they are n't negative. I said the law say have removed. 
The issues is with XXXX and XXXX Credit Bureaus. All three reporting account information of same account in multiples. They are reporting incorrect balances. Reporting over the time for reporting.

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 2020-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
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 have two credit cards with Capitol One. 
I have a membership with XXXX XXXX XXXX. 
During the last 60 days XXXX XXXX applied two charges to my credit card. 
Capitol One called this fraud. I disagreed, by acquiesced. 
Capitol One shut down the card and sent me a new one. 

XXXX XXXX began billing the other card. 
Again the second charge was billed to my account. 
When I tried to correct this redundant charge with Capitol One-two representatives hung up on me and I was disconnected by the system once. I started calling Capitol One at XXXX on XX/XX/20 it is now XXXX. 

The charge by XXXX does not fall under the legal definition of fraud. It is company ineptitude. Capitol One will not help me resolve the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I requested a modification to Select portfolio on XX/XX/2016 attached you will find out the application with the supporting document but they had me in a dual track and now they said they do not have any application at all and had my home in foreclosure I had a complaint throe ambundsam consumer and i had no response at all over the pone they said that i will be receiving a payment plan and today they said there is nothing on file and there is no record of calls this company is been doing this to me fore the last 3 years and do not care about home owners bill of rights a list to review my financial information to have the opportunity to safe my home this collection agency refuses to validate the debt i need your help to save my home

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX confirmed they are no longer reporting an account on my credit report and should be deleted. 

XXXX 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 2019-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Incorrect balance for 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 2016-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts, names, and addresses I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you!

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 2016-09-12
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
On Friday, XXXX/XXXX/16, I called Quicken Loans about a potential refinancing of my existing mortgage. I explicitly told the representative what I was looking for, the term of the loan, and the minimum cash out amount that I needed ( {$140000.00} ). I told him that if the cash amount I needed was not possible, I would not be interested in refinancing since it would not serve my needs. He stated that I would be able to get the amount required, perhaps about {$5000.00} - {$7000.00} less ( which I did not object ), and the rate would be 2.99 %. He then said that he needed to " profile me ''. I told him that I would be ok as long as the cash out amount and the rate were accurate ( emphasis on these conditions ). After he ran my credit, he said everything was fine and I would be receiving a good faith estimate shortly. To my surprise, not only the cash out amount was substantially lower - {$120000.00}, more than {$20000.00} less than what I required! - the 2.99 % rate required more than 3.5 % in points, which he did not disclose! I emailed him back twice and received no response. I feel that I was cheated during the process so he could run my credit score and initiate the application, most likely because his compensation is tied to those metrics. He should have disclosed the points and Quicken Loan 's experience in this industry should have been more than sufficient to give an approximate cash out amount based on the closing costs, at the very least that the amount would not approximate my desired outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: BB&T CORPORATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was charged a overdraft fee of {$36.00} by BBT Bank when my available balance was more that the amounted debited from my account. My posted balance was not so that is why the overdraft fee was charged according to BBT. However had I used my debit card for the same amount it would have been covered and NO overdraft fee. This is just a way for BBT to make extra money off consumers. What is really crazy is I made my deposit in cash at their ATM at XXXX and that was to late for them to post CASH to my account but it was showing in my available balance. Every other bank if you make a cash deposit anytime it is posted and available to use. This is totally just away for big bank to make extra money of the consumer.

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 2019-12-02
Company: State Collection Service, Inc.
State: DE
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:
State Collection removed wrong information on my credit report. Report # XXXX Since XX/XX/XXXX I have been waiting for my score too reflect that which before this error my credit score was ( XXXX ). Need Too Update All 3 Credit Agencies. 
They fixed a previous problem in 24 hrs. I have a new Mortgage credit check inquiry starting XX/XX/XXXX. 
This is Crucial too get this made correct. Thanks XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Credit Karma, LLC
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Credit karma would send me pre qualified credit cards and loans and Ive been denied for several. The latest one was XXXX of 2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
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: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL 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 non-monetary relief
Consumer complaint received 2017-10-02
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 information incorrect

Complaint:
# 1 ) I checked my credit report and noticed I was charged for late payments from XXXX XXXX XXXX XXXX. I had lost my job and was behind payments, but made payments every month on time. I was charged an additional {$50.00} every month due to missing one or two payments. 

# 2 ) I have no idea what {$50.00} from XXXX XXXX XXXX is. I never took a loan out from here. 
# 3 ) I received {$9.00} back from XXXX XXXX XXXX for a class action lawsuit for data overcharges. I stopped my contract due to these data charges and extreme billing. I do not owe XXXX XXXX XXXX anything. Now, XXXX has me on an account for charges and would like them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Fidelity National Information Services, Inc. (FNIS)
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 disputed their inquiry with Chexsystems and received a letter on XX/XX/2022 with a phone -number attached to the inquiry which is supposedly my phone number. Instead it is not and it is a- google voice number in which know one answers That number is XXXX. Additionally I NEVER inquired about a loan from XXXX at XXXX XXXX  XXXX XXXX XXXX XXXX. I have attempted to call the number listed for your business and continue to be forwarded to a XXXX the number listed is XXXX I want the inquiry from Chexsystems to be removed because I NEVER attempted to get a loan from your company!

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 2015-06-04
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX account on my equifax report is incorrect it is a duplicate of an account that has been paid and closed. XXXX had XXXX accounts reported for the same address same account number with XXXX different open dates. I opened a account in XXXX of XXXX and requested dte to close the account in XXXX of XXXX due to me moving. XXXX sent the account to collection for XXXX that was paid to XXXX XXXX XXXX XXXX. Soon after that I received another collection notice saying I owe XXXX this account have been paid and closed. The account they are reporting that opened in XXXX XXXX is a duplicate and should be removed. How can I have XXXX accounts opened for the same address. The account opened in XXXX of XXXX is no longer on my report. The XXXX XXXX account is incorrect and should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: CITIBANK, N.A.
State: CA
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:
XX/XX/XXXX - Initiated a balance transfer. A {$2400.00} credit balance was paid by XXXX XXXX, account XXXX XXXX XXXX XXXX to CITIBANK account XXXX XXXX XXXX XXXX but Citibank refuses to credit my account, now I owe both agencies {$2400.00}. XXXX ( worked with XXXX ) claims that a check was sent. They have provided the following as proof : Check was cashed XX/XX/XXXX, they are sending me a copy. 
Account : XXXX Check # XXXX sequence : XXXX Citibank, when pressed, refers me back to XXXX or just hangs up on me when i ask to speak to a supervisor ( XX/XX/XXXX and XX/XX/XXXX ). Call wait times are over 2 hours and Ive called 3 times at least. Several other abandoned attempts.

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 2015-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I am a Bank of America depositor with investments via their Merrill XXXX program. My wife is a joint acct holder on the BoA accts and has an IRA via Merrill as do I. BoA offers a Preferred Awards program for their depositors, which earn rewards at different levels for the different accts and amount on deposit, Gold= $ 20-50K, Platinum= $ 51-100K. etc. ALL of their published literature says the amount calculated is the COMBINED AMOUNT OF ALL ACCOUNTS, ON DEPOSIT WITH BOA AND MERRILL. 
Our joint check and MM savings totals avg ( 90days ) $ 25K, JOINT IRA= $ 3K, My IRA= $ 17K, my spouse= $ 38K, ALL of this totals over $ 51K, making us eligible for the $ 50K, or Platinum Tier level rewards. BoA says, not so, I am enrolled in Gold and My spouse is enrolled in Platinum as HER balances, ( which include our Joint Acct ) exceeds $ 51K, but mine do not. And HER Debit card earns rewards at XXXX level and Mine earns at a lower level ( rewards ) The BoA rep says accts can not be combined and ONLY Individual accts count! That is NOT what is published.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: WI
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 a victim of identity theft and there are fraudulent accounts on my credit profile that need to be removed immediately that are causing damages and injuring me financially.

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 2020-03-31
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received Bills from Grant Mercantile Agency , Inc phone XXXX/www.paygma.com/ address : XXXX XXXX XXXX, XXXX, CA XXXX, for a medical bills for {$340.00} from original creditor XXXX XXXX  phone number XXXX. The collection agency account number for this bills is XXXX, creditor ref # XXXX. Last Charge at Creditor is XX/XX/XXXX. 

I did my research and track this down and I found out that this medical facility is in XXXX, CA and we live in XXXX which is 3 hours drive apart. I've never been to this place. 

When I called and talked to them, they're saying that they do really have a records of me making an appointment and said that I missed my appointment. And they also said that just talk to the Collection Agency. Like I said, I don't know this people, I've never had business with them, they are 3 hours away from where I live, this could be also a Identity Theft, and that is what I'm going to do is to report a ID  Theft for this fraud. 

Thanks for your help.

Company response to consumer: Closed with monetary relief