BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-20
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 status incorrect

Complaint:
Pursuant to 15 USC 1666b ; a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I NEVER gave You, Transunion, OR XXXX, XXXX XXXX, or XXXXXXXX XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Transunion has caused severe stress and XXXX due to the abusive and unfair practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: EQUIFAX, INC.
State: MO
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:
After recently pulling a copy of my credit report I notice that the credit bureau is reporting an account from XXXX XXXX XXXX on my credit report in which I disagree that this account belong to me I believe that this could be a mixed file with my son who has the exact same name as myself. I disputed this account declining any automated response or XXXX verification in which is unacceptable. I demand that they disclose to me all of the recorded documents retained in their file as of today 's date. Under the Fair Credit Reporting Act 15 U.S.C. 1681g. Not only did they ignore my request but they responded saying verified and refused to send me copies of any physical documents. When I called they informed me they are not required to which is false information and they have refused to remove this account. Unless irrefutably proven, physically to be fully metro 2 compliant and current, true, correct.completely timely, mine, of my responsibility or else mandateoper reporting laws of my state and or federally absolutely no adverse derogatory allegations can be lawfully retained much less legally reported as such. This account remains unproven, noncompliant and or unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was foreclosed on by XXXX on XXXX 2017 and I did not receive any notice. I only received an eviction notice for XXXX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 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 2017-08-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Citizens Bank representatives provided me with false information which caused me to be charged an overdraft fee. I was given NO NOTICE of the fee until AFTER I deposited money to bring account into the positive. They did this so they could take their fee out before I could use the money to pay my bills. Supervisor said there is nothing they can do about their own representative giving LOYAL CUSTOMERS false information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-31
Company: AMERICAN EXPRESS COMPANY
State: CO
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 transferred a {$7000.00} balance from American Express to a credit card with my personal bank, XXXX. This was initiated on X/XX/2017. The balance did not appear on my statement for over a month, so my bank issued a stop payment and a new check. American Express stamped the check for deposit only on X/XX/2017. American Express says there was a stop payment issued on that check 8 DAYS AFTER CASHING. Not only is it not possible to reverse cashing of a check more than a week later, but my bank says they never issued a stop payment on this cashed check, check # XXXX. They issued a stop payment on the previous check sent which supposedly never made it to Amex because it was the wrong address. I have filed 4 disputes with Amex and had 4 conference calls with my bank representative and alternating Amex representatives. XXXX is now keeping me in regular communication with their Executive Client Relation Manager : XXXX XXXX. I have made over 30 calls to Amex and my bank each in the last 8 months. XXXX ( sp? ) in the Billing/Payment department at Amex was handling my case for a period of time recently, but again every time the dispute is investigated there is not much digging done and they come back saying the stop payment returned the check. I am now being held responsible for this balance with both institutions. My credit report is dropping rapidly since it shows I have 2 credit cards maxed out. I am also not capable of paying both of the minimums on these cards while they 're both showing the balance, so I have to not pay my Amex bill which will send me to collections and destroy the remaining credit score that I have. PLEASE, I AM DESPERATE FOR HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: ERC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently pulled my Credit Report from all three of the credit reporting agencies ( XXXX XXXX XXXX XXXX ) a have noticed a collection from ERC that was placed on my report on X/XX/2017. It states that they are collecting for a XXXX account in the amount of {$1200.00}. I have never had an account with XXXX and I also have never had anything with ERC either. I have never had an account with this company I have never spoken to this company and I do not have a contract with this company. This is an incorrect debt and false debt that ERC placed on my report. I filed a compliant with the Better Business Bureau and ERC sent an email to email address that was on the compliant asking me to enter personal information to see the message. I did not. They also sent in the mail what looks to be an old phone bill with my personal information on it. They have yet to provide me with a signed contract with my signature. They are asking me to fill out a fraud form with XXXX. I will not do anything with this company because they have yet to provide me the documents that say i owe this debt. This account has been disputed and ERC refuses to remove from my credit reports. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must delete.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
After multiple letters sent to Equifax credit bureu hard inquiries and accounts are still showing please help remove from my credit report. 
The following inquiries were not approved by me and I do n't have accounts with them : XXXX The following accounts should be deleted : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I would like to say there has been a violation of 15 U.S code 1681b, which states " a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; In accordance with the written instructions of the consumer to whom it relates '' which I never gave. I checked my credit report and found items that were being reported inaccurate and false. There has been another violation of 15 U.S code 1681c, which states " This subchapter clearly states no consumer reporting agency may make any consumer report containing any of the following items of information ; accounts placed for collections '' which is inaccurate and being reported anyways. A third violation of 15 U.S code 1681e says " Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user consumer report '' which never took place. These items being reported are causing actual damages and causing me to be denied things needed to provide for my children and household. They have been put on notice with a notarized dispute letter via certified mail

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 2017-08-31
Company: Global Equity Finance, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Trying to refinance or streamline present mortgage. Have low credit scores and several companies trying to " assist ''. XXXX XXXX from Global Equity Finance , Inc contacted us and said they can assist ... records I have begin on XX/XX/XXXX. Spoke with XXXX a week ago and said he just needed records of payments to XXXX which I sent. At that time he said loan was to close at the end of this month. I tried to call Monday, XX/XX/XXXX and the phone had a message that XXXX was out of the office. I tried to call XXXX and Global Equity today XX/XX/XXXXand both numbers were not working. 
Contacted the FTC who advised me to contact XXXX XXXX and put a 90 day fraud alert on the credit report and requested I put a monitor on the accounts which I did, hesitantly. 

Prior to sending payment record from XXXX I submitted all credit information via fax, email and telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I received a loan in the amount of {$300.00} in XX/XX/2019, and I have been paying {$66.00} every 2 weeks since then, which totals 10 weeks as of today XX/XX/2019, totaling {$660.00} I have already paid them. When I made my first payment on XX/XX/2019, It showed I had a balance of {$300.00}. When I made my 2nd payment on XX/XX/2019, it showed my balance was XXXX. When I made my 3rd payment, it no longer showed me a balance. I have been paying every 2 weeks, {$66.00}, and as of right now, they are still saying my payoff balance is {$370.00}. It continues to increase as I made a payment. This was not discussed with me by anyone when I took out the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: DISCOVER BANK
State: MN
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 contacted Discover on XX/XX/XXXX about an issue that I am having with XXXX XXXX. XXXX added a chargeback charge to my account that I need more information on. XXXX claims that they refunded my Discover account for a charge in XX/XX/XXXX. However, I believe that this was reversed and I did pay that amount from that transaction. I need proof from Discover that either backs up that XXXX applied the credit to my account or documentation that states that they never provided a credit to my account. 
I informed Discover that I need this information in writing. Discover was unwilling to handle this issue in writing. I gave them my emails, I used the Discover Secure Message Center, and they also have my physical address to send written corespondents. Discover is unwilling to handle this issue in writing, but it is essential that it is handled in writing so that there is documentation that I can use if to convey the finding to XXXX. Please answer the questions. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: CARD Corporation
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
This company put my account into a negative balance in order to receive their monthly fee and I was never notified of the policy change that led to it Several months ago, I stopped using my Card.com card  because my employer did not do direct deposit. Now that they do, I checked my account in order to start using it again and noticed that Card.com had put my account into a - {$6.00} balance. When I called their customer service on XX/XX/XXXX to inquire as to why, I was told that they changed their policy in XX/XX/XXXX and they will now take their full {$9.00} monthly maintenance fee regardless of if the money is there, potentially resulting in a negative balance. I was told that I received several emails about this policy change back in XX/XX/XXXX and even though they had my correct email address listed, I never once received such an email. If I had, I would have cancelled my account rather than stay with a company so morally bankrupt that they would force their customers into a negative balance just to get their money. I then spent several hours on the phone, speaking to several agents and at least 4 supervisors. Not a single one treated me like a customer who deserved their respect nor did I even feel like a customer at all. Nay, I felt like a dollar sign to them and not a single person was willing to do one courtesy reversal or at the LEAST, just return my account back to a XXXX balance, regardless of the fact that I never once received the proper notification. This is the only reason why I feel like I am owed 1 courtesy from this company, something I have never asked for before, because I was NOT notified of this HUGE policy change. I have spent 2 days and several hours trying to get this resolved directed with Card.com and they won't budge so that is why I am now filing a formal complaint against them with the XXXX and FDIC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: BHA Services
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, BHA services is trying to collect a debt from MA from XX/XX/2001 20 years and 11 months ago. The court record does not even have them as the plaintiff 1st off I was never notified of this judgment as it states 2nd this " judgement '' is more than 20 years. This was disposed on XX/XX/2001 - MA law can not collected after 20 years 3rd they state I owe {$5000.00} - Hmm NO 4th they refused to provide any sort of proof They lied about the amount, stated time frame does not matter and tried to force me to send them money.

Company response to consumer: Untimely response
Consumer complaint received 2017-08-31
Company: Integrated Recovery Services
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My mother sent me a text message at XXXX XXXX on XXXXXX2017 giving me a company name and phone number saying they were asking for me. She told the person her cell phone number was not mine and the gentleman called my mother a XXXX. She sent me the company name and 2 phone numbers XXXX and XXXX. I called them immediately and spoke with XXXX, she informed me I had until XXXX XXXX that evening to pay it or they would file paperwork at the court and that I would have collection fees added to my balance. I asked for an email copy of my account which was sent to me. XXXX said that no phone call was made to mother that day. We went over my account contact numbers and removed my mother 's cell phone and my father 's home number while on the phone together. 

Today around XXXX XXXX called my work and stated to my co-worker XXXX she needed our fax number to send over garnishment paperwork. There was no mention of my work number while on the phone yesterday when I spoke with XXXX. I am not allowed to take personal phone calls at work on my cell or work number. I have never received any paperwork from this company before yesterday. 

They are rude and threatening. It should n't be allowed. I am willing to clear up my debt but I am not going to be harassed or lied to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX. 

I am writing to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-31
Company: John C. Heath, Attorney at Law, PLLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I am the victim of two credit repair companies. I paid fees for repair and credit scores improvements. My credit was ruined. The company sent forged documents to creditors disputing numerous accounts without my knowledge. Positive accounts were removed causing my credit score to plummet. Disputes fraudulently mailed caused companies to freeze my accounts disabling me to correspond with the companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: Risecredit, LLC
State: TX
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 reviewed my credit report and noticed my credit was pulled by Rise. I never used this company for any services or applied for a loan with this company.

Company response to consumer: Closed with explanation