BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-15
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have one negative item listed on my credit. The account was originally for a " XXXX XXXX '' back in 2008. The account was paid as it should have been. I never heard anything from anyone until recently I inquired my credit reports and noticed that a delinquent mark was added for non-payment. This account was never in default or collections. The collection company that has claimed it is, is Jefferson Capital LLC. I have been going back and forth with them regarding this inaccurate item. I have sent numerous demands for validation regarding this account, which they have never responded to. I have also inquired with the XXXX credit bureaus and disputed the item that was listed on my credit. They came back to me with saying the debt was in fact mine, and that it will stay on my credit. I know the account was mine. That was never the item in question. The item in question was why they are reporting information that is not correct, especially after this account was paid in full and never went delinquent. After all my options were exhausted I contacted the Federal Trade Commission, only to find out that they company that is refusing to remove this negative mark has been sued by the FTC and lost. They were sued for unfair collection practices, and many more things. From what I gather by law, this is not supposed to be part of my credit, and needs to be removed immediately. Unfortunately I do not have any items pertaining to the payment of this account as it was over 7 years ago. I hope we can get this resolved, and removed from my credit. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-28
Company: Experian Information Solutions Inc.
State: CA
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:
I try to get my credit report from any of the three major ones and they each give me esoteric errors that give me no real information about what is wrong and why they can't give me my report. Sometimes they just loop back to the login and log me out. 

I tried contacting them but it was nothing but holding actions to avoid engaging with me at all. I need help because apparently I'm a credit ghost. I'm XXXX XXXX XXXX, never held major debt and want to build my credit and I basically don't exist! 

Please help me!

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 2020-01-15
Company: Experian Information Solutions 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:
I first disputed 3 bogus accounts requesting validation and all I received was statements and bill info. I never received any information with my signature or anything proving that these accounts were mine, in which they are not. So I then did further investigation and went through the id theft process and sent the affidavit to the bureaus to block and remove the items and they advised me that they will not remove the items.

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 2020-09-26
Company: Consumer Collection Management. Inc
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
" consumer collection mana '' has placed and account for collections/chargeoff on my credit reports in the amount of {$200.00} for an original lender of " XXXX XXXX XXXX XXXX  '' and the following information is listed as " NOT REPORTED '' amount past due, account type, credit limit, or any payment information. I have never heard of them before and have never received any written communication allowing me the opportunity to request a VOD. Is this mine, did I apply for credit somewhere?, if so was it properly billed? Send any and all supporting documents please, why was I never contacted in writing about this before it was a negative mark on my credit?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: EQUIFAX, INC.
State: CA
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:
I try to get my credit report from any of the three major ones and they each give me esoteric errors that give me no real information about what is wrong and why they can't give me my report. Sometimes they just loop back to the login and log me out. 

I tried contacting them but it was nothing but holding actions to avoid engaging with me at all. I need help because apparently I'm a credit ghost. I'm XXXX XXXX XXXX, never held major debt and want to build my credit and I basically don't exist! 

Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I try to get my credit report from any of the three major ones and they each give me esoteric errors that give me no real information about what is wrong and why they can't give me my report. Sometimes they just loop back to the login and log me out. 

I tried contacting them but it was nothing but holding actions to avoid engaging with me at all. I need help because apparently I'm a credit ghost. I'm XXXX XXXX XXXX, never held major debt and want to build my credit and I basically don't exist! 

Please help me!

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 2020-09-26
Company: HYUNDAI CAPITAL AMERICA
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/20 paid an amount of {$3000.00} that was not applied to our loan balance. Contacted the company numerous times since XXXX and still do not have a resolution. We paid off our loan balance on XX/XX/20 but the XXXX statement still shows we owe {$2800.00} while the My Account Details page shows we have a ( {$190.00} ) balance. We continue to contact the company to give us the money we overpaid and provide us the title to our car. The customer service representative keeps indicating they sent an email to the Finance team but nothing gets resolved.

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 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX Balance : {$0.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX Balance : {$1800.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX Balance : {$0.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified.

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 2015-04-09
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I closed on my mortgage on XXXX XXXX with the XXXX payment being due on XX/XX/XXXX. Soon after I closed, as I expected, I received a letter saying my loan would be sold. I thought this would occur before the first payment date ; however, it did not. On XX/XX/XXXX, I went into a branch to make my payment. The teller told me I could indeed make a payment in the branch and attempted to pull up my account. She could not locate the account my my account number or ssn. She called the asst manager who also attempted to pull up my account, but she could not find it either. She called the mortgage servicing department who said that the payment had to be mailed. I asked if I would receive credit for making the payment on XX/XX/XXXX, and I was told I would. The asst manager mailed the payment from the branch in a bank envelop. The payment was received and posted, but to my surprise, it was posted effective XX/XX/XXXX. I contacted the bank because I felt that this was unfair, and I should not have to pay for an additional 7 days of interest when I attempted to make my payment on the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: TrueAccord Corp.
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: Account status incorrect

Complaint:
XXXX XXXX XXXX has reported a delinquent account on my credit for the amount of {$750.00}. Before I paid the account it was charged off to another company, TrueAccord. TruAccord reached out to me offering to settle the account. I paid TruAccord {$520.00} on XX/XX/2020. I was told that they would notify XXXX XXXX who would then remove it from my credit. After a month I called XXXX XXXX  to check the status and they told me that they had not received notice from TrueAccord that I had settled the account and that I should call them. I called TrueAccord to get the process moving and after 1 month and several calls I was informed by TrueAccord that they had given the information to XXXX XXXX. XXXX XXXX still claims that they have received no such notice. I have been calling for months and am always told that the issue going to be escalated, and when nothing happens I call back and it seems like the first time they are hearing about it every time. I have disputed the account several times and it always comes back as the information being correct. I dont know where to turn to fix this issue, but neither companies are even attempting to fix the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: Experian Information Solutions 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:
It has ben tree months now that I have tried to fix my credit and these the credit bureaus have not helped much! In fact they have ben violating my rights under the FCRA! Below I attached all my attempts to fix this issue through letters! I am desperate to get credit lines so I can pass by these hard times! I am seeking help from the CFPB because I dont know what els to do! 

Please 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 2016-03-10
Company: Navient Solutions, LLC.
State: AK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Pioneer Collections company called numerous family members speaking to each of them. After contacting the first one, they did not have the right to turn around and contact a second one in the same hour.

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 2022-02-22
Company: Experian Information Solutions Inc.
State: AZ
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 have been trying to remove these 2 accounts on my credit report this entire time and yet the bureaus will not remove them. They do not belong to me and should not be reporting on my account whatsoever. They should remove this information as it is impacting my scores and the ability for me to purchase a home. I've exhausted every avenue trying to get them to remove this false information on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have someone who stole my identity, I am a XXXX woman who ca n't even get out of bed, and she have applied for things on my credit that is ruining my life, She has just been took in in custody as of X/XX/17 ... I have just had inquirys removed due to fruad and they have either came back or she have applied for fruad lent things in my name please help and remove these from my credit report ... Im in need of big help I have a fruad alert on my credit report and that did not help they still appeared

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 2017-04-12
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have a HELOC account with Citibank since XX/XX/2016. Last month, I went to its branch to pay off the balance which the teller provided the balance owed. I received a statement showing a credit balance. However, the bank charges me interest on a credit balance. I went to the branch and was told to pay off the credit balance. I did. Then the next day, I went back to the branch. I still owed them the same credit balance. I was now advised to borrow {$1.00} from my HELOC account to see if the glitch can be fixed. I do n't know if I 'm responsible for interest ( 4 % ) accrued from the loan amount of {$1.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
In accordance with the fair credit reporting act. XXXX account XXXX, XXXX XXXX XXXX Violated my rights Federal Protected consumer rights 15.U.S.C 1681 section states i have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : states. Its also states consumer reporting agencies can not furnish account without my written instructions.

15 U.S.C 1681c [ a } [ 5 } Second states no consumer report agency may make any consumer reporting containing any of the following items of information any other adverse items of important. Any other items of In accordance with the fair credit reporting act. The list below has Below has violated my Federal Protected consumer rights To privacy and confidentiality under 15 USC 1681 rights. information. Other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s -2 [ A ] { 1 } A person Shall not furnish Any information relating to A consumer to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate

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 2015-12-25
Company: Ditech Financial LLC
State: NV
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Ditech calls repeatedly on my home phone and our cells, even though we have repeatedly asked them NOT to contact us via phone. We are not behind on our mortgage payments. I am tired of the daily harassment!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My debit card information was somehow stolen around XX/XX/2016 and someone was able to spend {$460.00} from my account over that weekend. Bank of America 's automated system contacted me on Sunday about unusual activity on the account so I checked my transactions and noted several purchases pending that I did not make. A claim was opened and within XXXX weeks bank of america concluded their investigation and determined that the charges were valid. I do n't know how bank of america made this determination but it is completely incorrect. I am a victim of fraud and I did not make those purchases. To add insult to injury I lost my job and that direct deposit that the fraud was taken from was to be utilized to pay my rent and a couple of other expenses. I have never actually had fraud successfully happen to me due to the bank catching it ahead of time. This time the bank was n't successful and I am disgusted with bank of america 's so called fraud process, decision and their company as a whole.

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 2015-10-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX, This Credit Card is over 15 years old and Has already been removed off of my credit report. Bank of America Sold this loan to these people and they are trying to reopen a case and has been calling me and sending me notices. Additionally, they are making robot calls about taking me to court to settle this dept. This calls seem to orignate in Georgia.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: WELLS FARGO & COMPANY
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
XX/XX/2020 XXXX up loaded check. Report identity fraud. I didnt upload this check. {$130.00}. Wells Fargo is investigating.

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 2020-05-15
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I recently discovered my XXXX credit card through Comenity Bank had been closed by the bank, without notice. As there was no balance, I was never late on payment, and there had been no failure to comply with terms on my part, I assume that they closed it because I had not used it in a year and a half. ( It should be noted that this same thing happened to me years ago, with Comenity Bank, and a Victoria 's SecreXXXX card I held, and that a year and a half is not an inordinately long time to go between purchases at a specific store. ) While the credit card agreement states that either party can close the account at any time, I believe this is a bad business practice, and that there should be changes to the legislature to prevent this from occurring. If they have an internal policy specifying an exact time frame for non-usage before cancellation, this should be required to be in the credit card agreement, so that consumers are aware when they sign up, and can meet that term to avoid closure of the account. That would be FAIR, because closure of accounts harms a consumer 's credit score. 

Credit cards are typically maintained by people to use when they need, and Comenity simply closes accounts of people who don't use them regularly enough for them to profit. Comenity should be required to make disclosures and include the time-frame of closure due to non-usage before they harm a person 's credit score.

Company response to consumer: Closed with explanation