BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-11
Company: Experian Information Solutions Inc.
State: GA
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:
When I went to view my credit report someone have fraudulently opened a account in my name without my permission. I filed a police report and a identity theft report and listed XXXX XXXX as one of the companies that is a part of the Identity theft. I have tried calling the company and have not been able to get this issue resolved. This account was opened in my name and my husband name fraudulently

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I submitted transfer document to Bank of America to transfer two IRA accounts to my primary bank ( XXXX XXXX ) This was done over 1 month ago. When the transfer did not happen I went into the XXXX XXXX branch ( XXXX ) and spoke to the manager and gave him copies of the transfer documents. This was 3 weeks ago. I was told that the transfer would take 5 days. This past Tuesday I went into the branch and spoke to the same manager who assured me he would get back to me asap. I did not hear from him and the money as of today Thursday XXXX/XXXX/2017 is still not transferred. No one at Bank of America seems to know what is going on.You may reach me at XXXX. Thank You 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 non-monetary relief
Consumer complaint received 2017-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Problem with personal statement of dispute

Complaint:
Hello, I am writing because I am a victim of Transunions credit error in their system where they deleted my inquiries. They about a week later they reinserted them back but didnt folllow the legal procedure to do that. I did not get a letter from them saying that they were doing so. After this I called Transunion to get them removed. I listed to the agent all of my inquiries. She put me on hold to do an investigation. She came back on the phone and said that I would have to get letter of deletions from every company that I had an inquiries from. As well as send them a letter saying that I want them to remove all of the inquiries. Companies will not send me letter of deletions because they say I made those inquiries. Transunion would not resolve my issue. I would like the all of these inquiries removed. Here is a list of the inquiries along with the dates. 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX  XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX XXXX   XX/XX/XXXX 12. XXXX XX/XX/XXXX 13. XXXX XXXX XXXX XX/XX/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 2022-09-07
Company: EQUIFAX, INC.
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: NAVY FEDERAL CREDIT UNION
State: TX
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regard to the incorrect data on my credit report. It has been well over 30 days and I have not received any investigation results

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: SUNRISE CREDIT SERVICES, INC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XX/XX/XXXX XXXX XXXX XXXX has apparently sold my " debt '' of {$640.00} ( we have never been billed for this amount by XXXX XXXX XXXX! ) to 2 ( as of this date ) collection agencies, Sunrise Credit Services and XXXX XXXX, with the account # XXXX which is not even an account of ours. They state it was for my wife 's cell phone ( which was already out of contract with XXXX XXXX XXXX ; their representative at our local store said we could n't return a used phone out of contract and even gave her several suggestions on websites to sell it herself ). They call daily while I am at work, as well as late into the evening ( XXXX  CDT being the most recent ). They have been told it was n't a valid debt and to stop calling, to no avail. I sent Cease & Desist Letters to both collection agencies today with backup showing I paid my account off to XXXX XXXX XXXX, with an agreed amount for ALL accounts to be XXXX out, and the check was cashed by XXXX XXXX XXXX, thus agreeing to our arrangement. I have attached copies of my pay agreement with XXXX, copy of the check and letters sent to the collection agencies. I am complaining against XXXX XXXX XXXX XXXX, as well as Sunrise Credit Svcs and 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 2022-09-07
Company: EQUIFAX, INC.
State: LA
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: Problem with personal statement of dispute

Complaint:
Equifax/Equifax credit bureau is committing mail fraud. I sent my letter to them XX/XX/2022 and it arrived to the post office XX/XX/2022. My letter still has not been picked up. It will be a month XX/XX/2022. I am losing confidence in Equifax/Equifax credit bureau .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Credit Karma, LLC
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I received an email from Credit Karma indicating that my account is locked. 

I have asked Credit Karma the reason why my account is locked and to give me access to my funds because just because I filed a dispute does not mean my account has to be locked unexpectedly. I have also been issued a new debit card when I initially filed a dispute. 

I utilized the help function in the credit karma mobile app to reach customer service by filling out a form and providing a lot of personal information. However, their representatives keep asking me to provide personal information via email in order to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: WAKEFIELD & ASSOCIATES, INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: ENCORE CAPITAL GROUP INC.
State: TX
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:
ON XX/XX/2021 Midland Credit Management add a derogatory mark on my credit report per XXXX XXXX. upon, further research, this account was transferred/sold and i am no longer responsible for this account, Debtors creditors did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Midlands Credit Management has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: SYNCHRONY FINANCIAL
State: MI
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 opened an account via carecredit.com XX/XX/XXXX to help me afford a XXXX XXXX that was performed today on XX/XX/XXXX. The promotion was an interest free for 6, 12, or 24 months. The six months was forced upon me as a take it or leave it deal, an arrangement that is not possible for me to pay in that timeframe. And failure to pay in that timeframe now results in a punitive and usurious interest rate of 26.99 % ( given my credit rating I should qualify for less than half that rate ). I called to closed the account and was given the run around. I asked for a supervisor and was put on hold for nearly twenty minutes while the recording said " please hold for the next available escalation specialist ''. I asked for a supervisor, and I got the run around yet again. This is an outfit that preys upon the vulnerable that are in need of medical care with terms designed to be impossible to take advantage of the " promotional '' rate. This payment " option '' was promoted by the XXXX as a way to help me afford the procedure, but in actual fact it is turning out to be far more expensive than if I just put my cost on my regular credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-21
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe the amount stated on my credit report. Plus this account was charged off. I have noticed once per year that they are entering the information again making the account look open.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: Southwest Credit Systems, L.P.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Another collection company XXXX XXXX XXXX XXXX sent me a notice in XXXX about a bill from XXXX XXXX XXXX. I sent them a letter requesting verification of the debt and the contract that was valid for the account they were attempting to collect on. I never received any further communication from the company. Yesterday, I look on my credit and there is a collection from SW Credit Systems LP for the same alleged account. I have not received any communication from them and as it stands, I am sure the same way the other company was unable to verify the debt, they are not able to verify either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXXn i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2021-05-11
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
During XXXX - XX/XX/2020 I was dealing with multiple COVID19 related family issues. During this time one of my electronic payments did not go through to my HELOC account that I have with Huntington National Bank. I am certain it was an error on their system but they keep telling me there is no evidence of it. They also keep saying I do not qualify for COVID19 related issues and that time period has passed. 

At the time I was unware that the payment did not go through. I did not find out there was a missed payment till I went to go back and pay next months payment. This missed payment went on my credit report without my knowledge. I have called Huntington to ask for them to remove it given the circumstances of COVID19 pandemic and their system error however they keep refusing. I worked over a decade for a good credit score and never had a missed payment. I now make 2 payments a month of the Huntington Account so they cant XXXX me over again. 

My original loan during that time was in forbearance to help me make sure I can make other payments for necessities specifically related to COVID19. On my mortgage I took out 6 month delayed payment plan because of this. I did not take out a delayed plan for a HELOC I have had with HUNTINGTON NATIONAL BANK because I thought I would be able to pay and keep track of those payments. I have and continue to make payments but keep getting denied any possible resolution from service agents for the Credit related miss payment. I have sent letters of goowill and get sent phone numbers to go right back to service agents who say " You're issue does not qualify for COVID19 resolutions '' or " You'll have to send a letter to XYZ address ''. I also get told to take it up with the Credit agencies because theres nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and XXXX have gotten into hands of the wrong person. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account information incorrect

Complaint:
On  XXXX   XXXX , I suffered a total loss o f Vehicle  while account was delinquent. My insurer,  XXXX   XXXX , paid the the total outstanding balance on said vehicle after declaring it total loss. The insurer sent secured payoff to bank on  XXXX   XXXX ,  XXXX .   XXXX  Item was disputed to  XXXX  on  XXXX ,  XXXX  and many times before that. On  XXXX   XXXX ,  XXXX , Bank of America AGAIN reported to  XXXX  that debt was still in collection, with {$4500.00} outstanding and {$320.00} past due.   XXXX  A previous compl aint ( Complaint Number   XXXX  ) was filed against   XXXX    on  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 2017-06-21
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am having problems with Midland Funding LLC reporting a debt on my consumer credit report stating I owe {$640.00}. I have never had an account with the company they say the debt is from ( XXXX XXXX XXXX ). I have attempted to resolve this matter via certified letter in XXXX 2016, XXXX 2016 and XXXX 2016. I  have requested proof of ownership of this debt ( such as a signature on an application, proof of payment from my bank account, etc. ) The company has yet to provide this information and has only sent me a old statement showing it was written off by the original company. This is not my account and the company refuses to provide me with valid proof of the debt.

Company response to consumer: Closed with explanation