BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-09
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
i ALREADY PAID XXXX  XXXX XXXX  IN FULL PRIOR TO THIS BEING TRANSFERRED TO COLLECTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Citibank charged an overdraft fee of {$35.00} on XX/XX/2015. The account was not overdrawn. See attachment

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-22
Company: National Credit Systems,Inc.
State: TX
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NATIONAL CREDIT SYSTEMS of XXXX My boyfriend and i lived in XXXX XXXX and he lost his job as soon as we moved in so i came in to the office to make payment arrangements and cancel the lease so it wouldnt be on our credit reports after living there only XXXX3 months. 

The Property Manager then was very disorganized and wanted to have her hands in every affair but she never followed up on anything. I came at LEAST twice weekly after moving out abruptly so they rent it out to the next person to stop the bleeding of future continued payment. 

They had new renters in 3 days but the manager would never meet with us to discuss official process but I find they posted to our credit for non-payment. 

I CAME IN XXXX and XXXX for resolution but the manager was fired and they werent able to verify the debts as being mine. they even had bogus charge amounts and maintenance left defecation matter in the toilets and they never even fixed problems that existed before we even moved in. 

The electrical outlets needed fixed, the kitchen lights, the garbage disposal, floor tile and a couple other things since before we moved in they said they would have fixed before move in but never did. 

i even specified countless times for approved entry only when scheduled so someone could be there because we experienced apt staff stealing from tenants ' homes in their absence and they ONLY came when we specifically stated we werent going to be there saying they didnt find no problem and left msintenance slips in inconspicuous places like in the bedroom and closet. 

Since going in person in XXXX and XXXX and getting nowhere i filed a dispute with the credit bureau and everytime i gave information and proof they required me to furnish, they extended the creditor 30 new days but me only 10 days and never followed up. 

No one ever sent me anything from XXXX XXXX. THats why the credit bureaus say they 'll give them more time to respond. To this day i havent received anything from them. 

I came in to the office a few weeks ago and learned there was some kind of process that was supposed to be done that i had never even heard of that was not done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Within in my credit report I have that in 2010 I filled for unemployment, when this is impossible as I am self employed. On my son 's report ( he has the same name as me ), he has that he has paid a few vehicles, which were mine. So it looks like we have mixed information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: Experian Information Solutions Inc.
State: OH
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:
Experian -- -wrong information on my credit report that I never opened and never applied for. Was informed to send to Experian to inform them and was told to mail to them. Mailed information to them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and mail keeps getting return stating unable to forward and incorrect address for expieran.attached one documentation that this is what keeps getting mailed back to 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 2015-09-23
Company: Schachter Portnoy, L.L.C.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
The collection agency/law firm is collecting on a debt that is in a formal dispute. They are violating my rights under the fair credit debt collections practices act. The creditor has continually sent it to collections without satisfying the initial dispute and for this reason the collection agency is also violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: AFNI INC.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Just received letter from afni , inc collection agency for att in the amount of XXXX. Closed this account in XXXX of XXXX. Att said could not closed account till it was paid in full. So paid the amount of XXXX of which they said would be owed. Now XXXX  months later I get bill from afni , inc saying I owe XXXX, but I have never received a bill for this or a call about it. Tried talking to afni but they were very aggressive and did not want to hear anything I said.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I just learned a credit card account was opened in my name in XX/XX/2022. I've been charged a balance of {$290.00}. I contacted Chase who then put an immediate stop on the account, I also processed a dispute through XXXX fraud department and have a police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-03
Company: ALKAN MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was interested to finding out information about purchasing a home and sought to speak with a load specialist company, and was approached via XXXX by Certified Mortgage Planners. 

They misrepresented when my credit would be checked and how many times it would be checked. My credit had been pulled twice ( XXXX XXXX/XXXX/2016, then again on XXXX/XXXX/2016 ) despite the fact that I was told by them that it would only be pulled once after consenting. 

They misrepresented the role student debt would play in my application, first stating that my student loans were not a problem on XXXX/XXXX/2016 but then provided directly conflicting information, stating that they were a problem per our conversation on XXXX/XXXX/2016. 

They told me on XXXX/XXXX/2016 that I was no longer eligible to be pre-qualified for the discussed amount and that would need to wait 30 days in hopes for my credit score to go up to XXXX " so maybe we can work something out '', when their decision to pull my credit twice, the first time without my consent or authorization and in direct conflict with my directive, may have directly adverse consequences on the score. 

I then consulted directly with the Consumer Financial Protections Bureau, which guided me to inform the mortgage planning company and the credit company, Certified Credit Reporting, to have them correct and withdraw XXXX of the credit inquiries there were done on my credit. 

I contacted Certified Mortgage Planners with a formal request to correct and withdraw XXXX of the credit inquiries related to my inquiry into financing a home purchase via email on XXXX/XXXX/2016, never got a response back. 

Then I proceeded to contact the credit company, Certified Credit Reporting, to explain the situation and was given to a run around without a straight answer but to email ( sent on XXXX/XXXX/16 ) the manager, a XXXX XXXX, because she was the only one that could send out the paper to the credit bureaus in order to correct and withdraw both of the credit inquiries. She proceeded to contact me when I was unavailable, and when I called back the number she provided, then she was unavailable. 

As of today, XXXX/XXXX/2016, the has been no resolution and the credit inquiries are still showing in my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Upon reconciling our main checking account on    XX/XX/XXXX  , it was notic ed that there was a banking error with a check. Also noticed was that our ATM checking account was being charged insufficient funds fees. The customer service representative looked back into the account and informed us that the account was being debited these fees since the inception of the account dating back to  XX/XX/XXXX . We are enrolled in the Platinum account series.   Quoted from their Personal Deposit Account Fees and Feature  s Guide : How to avoid monthly maintenance fee - Waived with a {$25000.00} monthly combined deposit and investment balance across your linked accounts.
- Certain accounts can not be linked but may be used for relationship pricing. The Monthly Maintenance Fee is waived upon request if you also have the following accounts with us or our affiliates with a {$25000.00} monthly combined balance across the Platinum Checking account and any of the following accounts : 1 ) certain out of state deposit accounts and 2 ) select investments.
Our accounts fell within these rules and none of them should not have been charged any fees.
We were asked why we did not notice this earlier to which we responded that we were of the understanding that our accounts should not be charged fees based on the above information. One of bank representatives asked us to submit a statement of hardship to help this request that nee  ded to be elevated to the Regional Manager.
On   XX/XX/XXXX   we were refunded directly to the account, {$150.00} ( six months back ) of the {  $330.00} we were charged. We were also told that this was all we would be refunded and we were " lucky to get that amount. '' We were also told that it was " your fault for not keeping up with the account ''. Truth is we were keeping up with the accounts, just not the ATM account since we only kept  a few hundred dollars  in it at any time.   Something else to note is that for the firs t two months that t he account was open, no fees were charged. The fees began to show in  XX/XX/XXXX .

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-10
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
We were charged over {$100.00} by XXXX XXXX XXXX for some unknown reason and when we called the customer care to find out what it was about, they did not give us any proper response and they said it was some technical error from their side. After 4 months we get a call from Enhanced Recovery stating that they are coming to collect the bill amount and although we did not know what it was for, we paid duly. Its been over a year and now we notice that they had filed a delinquency report against us. Our credit score has been hit by XXXX points and there is no one coming forward to help us with it. We did not notice this statement until recently when we went to the bank to get a loan to purchase a house. We have proof that we have paid the company, can they still hold this against us?

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 2020-04-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My wife and I are trying to buy a house so today XX/XX/20 the agent that we are working with ran our credit to see what amount we qualified for however, when my report came back there were about ten accounts with negative history that are not mine. I looked through each account and I did not open any of them. There were also many credit inquiries that were not made by me. I have never allowed anyone to open any account in my name nor did I ever give those companies permission to run or access my credit. I do not know who is responsible for all of these accounts and inquiries that are in negative standing on my credit report but I have already filed a police report and a complaint with the consumer financial protection bureau as I did not gain anything from these accounts nor did I ever contribute to any payments made towards these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have a capital one credit card that I've had for years made every payment on time kept the account in good standings and the last time it was a increase on the account was XX/XX/XXXX I have no payment problems with my other creditors no late payments or anything and they have not done nothing to increase my account in almost 4 years I did put a request in on XX/XX/XXXX but got a email saying that we will email you in a few days with a response which if it went through it would've said it right there so I know I didn't get it I want to close the account but I know it will hurt my credit score if I do if you can help me with this matter it will be very helpful I don't need a card company that does nothing to look out for it's card holders if I could close the account today without hurting my credit score I would 4 years and nothing they care only about people making their payment on time and that's it

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: Debt Recovery Solutions, LLC
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
This was a debt incurred by my ex wife. She used my name to secure this credit. I have other debts she created including her divorce attorney debt that I got stuck with. I am just trying to rebuild by life and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I contacted XXXX, Transuion, and XXXX  concerning a Mortgage account on my profile. I sent in a photo copy of my drivers license, ss card and recent utility bill. The account isn't removed and they haven't responded on this matter.

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 2020-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This complaint is regarding an old XXXX XXXX Account in the amount {$3700.00}. This account was first reported in my credit report by both Transunion and XXXX  agencies as far back as XXXX or earlier. In XXXX, the account was removed from my credit report by both agencies, having been over seven years. 
However, in XXXX, I discovered the account has reappeared in my credit report. Immediately, I disputed the reappearance of the account in my credit report and no action was taken by the two agencies. A few months later, I repeated the dispute and still no response or action taken. 
Please my question is whether the Transunion and XXXX  agencies can report an account of this type again after its first initial seven years of reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX and XXXX are 2 accounts that are negative and not opened by me. The credit reporting agency, XXXX and Transunion, both stated it was verified. I submitted a letter requesting that the verification be done again and not by computer verification. This letter was received by them on XX/XX/XXXX. They did not respond and now when calling they do not acknowledge receipt and refuse to remove those accounts.

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 2022-05-12
Company: EQUIFAX, INC.
State: AL
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:
I have sent letters on XX/XX/2022 and again on XX/XX/2022, with no response from either consumer reporting agency ( XXXX, Equifax, or XXXX. ) Also, I have called these agencies and the representatives have been unwilling and unable to assist me with removing these erroneous items from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have a fraud alert on my reports, with the WRONG phone number, I have contacted the burials sever times, Please you guys update my info and you also have incorrect job history please remove it and put the correct info and phone number. I see why i have so much fraud because you guys have a wrong number I been trying to change it for 9 months XXXX XXXX XXXX XXXX Cell phone Work ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) 22 years as a XXXX XXXX XXXX  XXXX  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 2017-02-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: ME
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
i had closed XXXX of many accounts i had with citizens bank, although the account was closed i could still view my register with all my critical information, then without warning all records were removed from my account on XX/XX/2017, all this was done without warning, i need these records for my tax filings, i have tried call but they pass me along from person to person, keep me on hold, i get cutoff weith no return phone call and then they tell me they will give me the info at a huge cost, they say they do n't have to give notice for deleting your history, i know i need a new bank but i need my records, i am retired, have limited income and do n't feel i should pay for what is mine. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
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: Information belongs to someone else

Complaint:
My wife and I are trying to buy a house so today XX/XX/20 the agent that we are working with ran our credit to see what amount we qualified for however, when my report came back there were about ten accounts with negative history that are not mine. I looked through each account and I did not open any of them. There were also many credit inquiries that were not made by me. I have never allowed anyone to open any account in my name nor did I ever give those companies permission to run or access my credit. I do not know who is responsible for all of these accounts and inquiries that are in negative standing on my credit report but I have already filed a police report and a complaint with the consumer financial protection bureau as I did not gain anything from these accounts nor did I ever contribute to any payments made towards these accounts.

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 2017-05-23
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: Public record information inaccurate

Complaint:
Please be advised this is my final request to remove a tax lien on my credit report. I have sent this request and proof numerous times in vain and I intend to pursue litigation if not removed from my credit report as soon as possible. Please see attached proof that it has been cancelled and paid and therefore should be deleted immediately from my credit report because it is affecting me greatly.

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