BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-19
Company: Kriya Capital, LLC
State: IL
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:
Credence Resource Management is knowingly reporting a fraudulent XXXX XXXX  collection on my credit reports. I notified Credence of this matter originally on XX/XX/XXXX. Credence investigated the matter and deleted the fraudulent account from my credit reports. XX/XX/XXXX Credence changed the account number and reinserted this account to my credit report. They are intentionally reporting a fraudulent account on my credit report -- willfully being noncompliant to the FCRA and violating my consumer rights. They insist on reporting a fraudulent account to my credit report and going about doing so by being deceptive. I feel at this point I am being harassed by Credence. They are causing much undue emotional stress. I work in XXXX  and am up for a XXXX  and XXXX. This will not occur with this negative account on my credit report. Part of the XXXX criteria is having good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I had a collection account for XXXX fall off my credit report in XXXX 2015, as of XXXX XXXX 2015 XXXX XXXX. XXXX put it back on my credit report as a new collection and date, My score when dropped went up, now it is back down with only this collection ruining my credit.. 
Thank You

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been in contact with TransUnion , LLC in the previous months, for which, I have certified return receipt cards, to proof that their representatives signed for my letter informing them that I had previously reviewed my credit report and noted that there were XXXX entries that were not mine. I notified them that I had even contacted XXXX XXXX and Merchant Credit Guide by certified return receipt back XX/XX/2016, inquiring about the XXXX entries that were listed in my credit file by these XXXX companies. XXXX XXXX along with XXXX XXXX XXXX have both failed to supply me with valid proof baring my signature that I was the owner of account XXXX and XXXX. However, I have recently pulled my credit report and not only did I notice that TransUnion , LLC did not delete both entries by XXXX XXXX and XXXX XXXX XXXX, but they have continued to supply non-factual information on my credit file attached to my social security number, stating that I have an unpaid balance of {$240.00} due to XXXX XXXX and XXXX XXXX XXXX, and is therefore, in a breach of the FDCRA. I have also requested valid proof from TransUnion , LLC to supply me any information on file baring my signature, along with a copy of a contractual agreement that I had with XXXX XXXX and XXXX XXXX to pay them the amount reflecting in my credit file with TransUnion , LLC, and as of this date they have also failed to supply me the valid proof as mandated by the FDCRA, therefore, this entry needs to be deleted from my credit file immediately, and I am demanding my cycle score be updated immediately!!

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 2020-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 called the Bank and asked them to close my account, cancel and shut down any of my files with them, send me an email confirm the full cancellation, and then to send me a check for my credit card balance ( i'd overpaid the balance just to be certain I had fully gotten it to XXXX   dollars ). They didn't send any confirmation and no check has since been arranged. 

I continued to receive mail from them. When I called to question them, they told me the account was closed and then they directed me to collections team. I asked them to cancel the card and send me a cheque, but continued to send me to collections. The Bank said they couldn't cancel anything, only direct me to collections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I was denied credit by my bank based on a trans union report on XXXX/XXXX/15. Trans Union will not provide my credit report. I have written them to request my free report on XXXX/XXXX/15 and have the return receipt form the post office showing they accepted the letter on XXXX/XXXX/15. I have uploaded this return receipt. They are still denying me my report. I tried requesting it through freeannualreport.com. They give confirmation questions with info from my file. None of the info for accounts showing opened under my name is mine. When I answer honestly, the site says that based on my answers, they are not able to provide my report. When calling their support line, the call is routed to XXXX, and they do not understand what return receipt is and they do not understand the federal law that says I have a right to my report. When I ask for a supervisor, they hang up on me. They have hung up on me 29 times now. I just want my credit report. Can anyone help?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-10
Company: Cadence Bank
State: MS
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
We are requesting a federal investigation of BancorpSouth Bank in Mississippi. XXXX XXXX and XXXX XXXX XXXX purchased a home, financed by BancorpSouth in XXXX, MS XX/XX/XXXX and were informed during the closing that they were purchasing mortgage protection also. When the application was received in the mail XX/XX/XXXX, XXXX XXXX completed this application and submitted it to Bancorp South because BancorpSouth 's name was listed on the application. This application was taken to Bancorp South. Although, BancorpSouth now states that this is not their application, XXXX and XXXX XXXX never received notice from BancorpSouth that this was not BancorpSouth 's application after he returned it to them in person. XXXX XXXX passed away in XXXX XXXX, and his wife and daughter, XXXX XXXX and XXXX XXXX, contacted the bank, who financed the mortgage and mortgage protection. The bank claims that the application is not their application, although they accepted it from XXXX XXXX in XX/XX/XXXX. It was also XXXX and XXXX XXXX 's understanding that the amount was included in their mortgage, which was deducted monthly from the XXXX bank account. The contact person is XXXX XXXX at BancorpSouth. Her telephone number is XXXX and her email address is XXXXXXXXXXXX. 

We sent a letter to BancorpSouth Bank on XXXX XXXX, XXXX, and BancorpSouth Bank 's attorney waited until the statute of limitations had run to respond to the letter on XXXX XXXX, XXXX. Although this was a very heartless and conniving move, we are requesting a full investigation in their handling of this matter. 

The estate of XXXX XXXX feels they are being discriminated against because they are XXXX and are being taken advantage of by BancorpSouth. Bancorp South is also refusing to produce documents regarding XXXX XXXX 's accounts, which indicate they have something to hide by withholding information. XXXX Strong, the attorney at BancorpSouth is stating that entering XXXX and XXXX XXXX social security numbers and obtaining their account information is " unreasonable and unduly burdensome. '' This is a ridiculous excuse. XXXX XXXX is requesting this information on her behalf and on behalf of the estate, and it should be sent to her. XXXX XXXX is ignoring the fact that XXXX XXXX served in the XXXX XXXX ; and since his death, his wife had to get a full-time job in her late XXXX 's, although she never worked a day in her life. She is also the administrator of the estate of XXXX XXXX. It is obvious that BancorpSouth has been mistreating and discriminating against XXXX, as they were fined XXXX dollars last month due to their unfair actions when banking and giving mortgages. See Consumer Financial Protection Bureau v. BancorpSouth Bank in XXXX, XXXX of XXXX , XXXX Division.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Credit Karma, LLC
State: MO
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My wife XXXX XXXX XXXX and I, XXXX XXXX XXXX, have been clients of Credit Karma for years. We have done our taxes though them for the last 3 years. This year they decided to offer a savings account that your refund could be automatically deposited in. We decided to accept. We did but we were never given an account number nor an account number for this savings account. We tried to link my wife 's ebank info to this account but because it was under my name, they would not allow it. So I have been trying to set up an ebank account and finally achieved that on XX/XX/XXXX. Even tho, the check is in both of our names. Taxes were file on XX/XX/XXXX. On XX/XX/XXXX our tax refund of {$48.00} was deposited in said savings account. I have made contact by email, and online chats as Credit Karma in its great wisdom does not provide a customer service number so you can talk to a live agent. Since I was rightfully upset and told them I wanted the account closed since they would not let me link to the savings account now, I told them I had already complained to the better business bureau and intend to contact the MO AG and our local sheriff 's department. In the meantime, our stimulus check was deposited in Credit Karma savings account. So now there is {$2400.00} in said account.I have kept all of those complaints and their replies which are ridiculous.Next I get an email telling me that I have to use the phone to take pictures of my drivers license and a utility bill after logging into creditkarma.com/id-verification Okay, done. They send a code which they never asked me for. I did as they asked, took said photos which were promptly rejected. The email also told me that I would receive a counter check in 15 to 21 days after they accepted my id info. As I said it was all rejected and I was told to contact support again which I tried to do by chat but no agent ever showed up. I did report them to the XXXX XXXX XXXX of XXXX XXXX. However the bank they used for the savings account is XXXX XXXX, XXXX out of WV. I found out that a lot of people have had problems with Credit Karma savings accounts and the reviews are extremely bad. I will be closing all credit karma accounts and taking my taxes elsewhere from now on. 
As of XX/XX/XXXX XXXX XXXX I have received no reply email after sending yet another request to Credit Karma through member support to tell me how they intend to take care of this situation. So I can only assume that they do not care enough to provide a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Currently check systems has a fraud alleret on me, as well as the other company 's used by banks to open an account. 
I have tried to get it off, but I ca n't. I do n't owe any money to any banks. 

This is from XXXX XXXX XXXX. 
I wat this removed asap. This is making my life hard to live. 

And it is not true

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 2016-08-21
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have requested Chex Systems on numerous occasions to remove the the reported information from XXXX XXXX XXXX XXXX and each time it is removed and then re-instated. I have sent a police report, and an FTC Affidavit as these accounts were opened without my authorization. Please remove all inquiries from this credit union and remove the reported information again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: EQUIFAX, INC.
State: PA
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 recently looked at my credit report and found that the credit bureau consistently reports accounts with inaccurate information. The Fair Credit Reporting Act has clearly been violated in this case. I've already spoken with them about this matter, but I haven't heard back from them to this point. Please correct this immediately. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03
Company: I.C. System, Inc.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is not my debt. IC SYSTEMS continues to report it to the credit bureaus.

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 2016-05-30
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am not aware of what this debt is about. I saw this debt on my report, it was removed last XXXX and I now see it returned a few months ago.

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 2015-07-22
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX Account # *******************XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX These accounts are being reported on all of my XXXX credit reports. However, these are not my accounts and I am listed as an authorized user. I have never signed up to be an authorized user and I want these accounts to be removed from my credit reports. I have never had or used any of these cards.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-18
Company: Paypal Holdings, Inc
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I returned the product ( cell phone ) on XX/XX/2016, and the merchant received the item. ( I keep the records. ) However, I did n't get my money back until now. This company seems a fraud company based on lots of customer reviews. When I noticed that, I filed the claim on XX/XX/XXXX to XXXX XXXX XXXX to get my money back. But the merchant insisted to send an unworkable cell phone to me, and requested the money from XXXX XXXX XXXX ( XXXX ). After I returned the product back and contacted with XXXX, XXXX said that they already sent the money to them and closed the case. Further, because my case is expired, XXXX ca n't reopen my case again ; thus, I did n't get the money back until now. 
I also contacted with the seller 's bank " Paypal, '' and they told me they are pending the transition right now, but they ca n't sent the money back to me, either. The merchant 's company did n't register and fraud. I am thankful Paypal is holding this transition, but XXXX reply I lost the case and they ca n't do anything for this case. I indeed returned the item and I hope it is not too late to get my money back before Paypal transfer my fund to the seller. Could you help me to solve the problem? 
Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I ca n't keep my home due to medical expenses, death in my family and currently unemployment. We opted to short sale the home and hired a Realtor on XXXX XXXX, shortly after we got an offer on the home and it was submitted to flagstar as instructed with all the supporting documents NOW on XXXX XXXX I was told that someone would be contacting me for an appraisal on the home and that they had a complete short sale file. On XXXX XXXX a person by the name of XXXX XXXX showed up and performed the appraisal as scheduled. I called Flagstar several weeks straight after that to see if they had the report already and I was told multiple times by several representatives that the appraisal report was n't in yet BUT that it sometimes takes 30 days for them to get a report. On XXXX XXXX I called to check on the report and was told by XXXX that the appraisal company had been trying to get a hold of me to schedule the appraisal and that they had NOT been able to make contact. I explained to XXXX that the appraisal had already been done and that we were just waiting on the report I provided the name and phone number of the person who had performed it and XXXX XXXX confirmed the information on XX/XX/XXXX BUT they keep on insisting that the appraisal never happened. I have left their " supervisor '' several messages XXXX XXXX ext. XXXX BUT have NOT heard back from her as of today. On XXXX/XXXX/16 I called and was told by XXXX that the appraisal order had been canceled on XXXX XXXX because the appraisal company was n't able to get a hold of me. PLEASE HELP in getting to the bottom of this situation. I have attached the written communication that my Realtor has had with these people. 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 2017-01-30
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Due to the recent allegations that have been filed with Navient, I wanted to confirm that my students loans were not affected in any way ( e.g., Lost paperwork. Misapplied payments. Surprise late fees. Processing delays, etc )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Dear Sir or Madam, I am writing this letter to correct the unlawful pulling off my credit report for issuing a replacement XXXX XXXX credit card which is the breach of agreement made on XX/XX/2015 over the phone. 

I called to the phone number XXXX at XXXX XXXX ( Pacific Standard Time ) on XX/XX/2015 for my XXXX XXXX XXXX credit card as I received a communication via postal mail. I was told that XXXX XXXX card will be discontinued due to new XXXX partnerships. 
Over the phone, I was offered another replacement card and I asked multiple times that it would not require a hard credit pull avoiding any negative impact on my credit score. I was informed by XXXX XXXX agent taking my application over the phone many times including disclaimer agreement that there will not be any credit pull from any credit agency for this card. They also told me that this conversation is recorded and there will not be any issue in future regarding my concern for credit pull. 

I, however, see a hard credit pull for the same credit card application on my credit card. I contacted XXXX XXXX several times over phone and I was told that they are aware of this issue and it will be taken care of. I also sent fax communication ( attached ) on XX/XX/2015 and XX/XX/2015 detailing the issue but I do not see any action from XXXX XXXX. Even after more than 7 months, I do not get any proper response or see any action on this from XXXX XXXX. 

I look forward to get the XXXX XXXX credit inquiry deleted from all XXXX credit bureaus. 

Thank you. 

XXXX, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am having an issue with the Experian website in trying to upload an amended police report that I have made on XXXX XXXX 2015. I picked up the report on XXXX XXXX 2015 and it shows the original report filed on XXXX XXXX 2015 and on page XXXX it is the amended report from XXXX XXXX 2015. I am trying to upload the police report because there is fraudulent information on my credit report that is reporting there is multiple fraudulent inquiries on the credit report with XXXX XXXX XXXX on XX/XX/2015, XXXX XXXX XXXX XXXX on XX/XX/2015, XXXX XXXX XXXX on XX/XX/2015, XXXX XXXX XXXX XXXX on XX/XX/2015, XXXX Card on XX/XX/2015, XXXX XXXX XXXX XX/XX/2015, Colorado XXXX on XX/XX/2015, XXXX Colorado XXXX on XX/XX/2015, XXXX Bank on XX/XX/2015. One of these inquiries resulted in a Fraudulent account with XXXX XXXX union Account # XXXX to be established fraudulent in my name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
i JUST WANT MY CREDIT REPORTS TO START ON MY IDENTITY THEFT SITUATION. THIS IS A NIGHTMARE

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief