BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 receive your response to my previous claim against your company. See Attachtment documents, 2 other banks and Transunion made a full investigation about my claims against their company and came to the conclusion that my identity has been compromise and fraud aplications were made under my name. These companies immidiately remove their inquiry from my credit 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 non-monetary relief
Consumer complaint received 2016-02-05
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
This complaint is to be attached to earlier complaints about Wells Fargo Bank opening an account in my name and {$25000.00} stolen from the state of California through XXXX. Complaint # XXXX and # XXXX. I 'm again asking Wells Fargo bank 's Fraud Division to investigate itself and rein in your employee 's. On XXXX XXXX of 2015, my daughter received a fictitious call from a person posing as an FBI agent investigating My Name and Identity Theft. The person wanted to know my address in XXXX XXXX. She has a Wells Fargo bank account. To use your position to gather information from the private record of another person has to be against the law. I immediately contacted the FBI. There response was " We would never make such a phone call to investigate someone. Notify the FTC. '' I did. The call was from XXXX XXXX. Check your phone directory for that number. I have asked the OAG to follow-up in this matter. I have followed up to the State of California Fraud Division hot line. My family 's safety is of most importance. The XXXX XXXX attorney 's office has informed me that they will testify in court in my behalf that it was your bank that laundered the {$25000.00}. The detective will testify, too. If you do n't pass this on to your Fraud division I personally will proceed against you and your incompetence. A person in your organization is in collusion with the fraud why call my family?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: CITIBANK, N.A.
State: CO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My wife, XXXX XXXX, is the primary card holder and I am an authorized user. She first added me to her Citi card in XXXX, around XXXX/XXXX, when I first moved to the U.S. 

We had a slight upset in our marriage around XXXX XXXX and she removed me from her card. Things were fixed and I was added back to the card around XX/XX/XXXX, 8 months ago. 

Since then I have made numerous calls to Citi Bank and the credit agencies to find out why this card is not being reported properly as it doesn't show up on any credit report. I have used my card multiple times so we know that isn't an issue. 
Citi Bank say they're reporting correctly and the credit agencies say there aren't any problems their end. Essentially I'm stuck in the middle and no one will take accountability as to why this credit card isn't showing on my report, choosing to blame the other instead. 

Since being added as an authorized user in XX/XX/XXXX I have obtained various lines of credit that have all been reported fine, one being another credit card and the other being a car lease. There has been no issue reporting either to the credit agencies.

I have received 3 letters from Citi Bank stating they are reporting correctly, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX however this does not seem to the the case. 

Every time I call Citi Bank for an update they confirm my personal information and tell me to wait 30 days. The first few months they had the incorrect SSN for me, they only noticed after several phones calls from myself. The next few months I noticed they weren't using the correct credit card number so I wouldn't ; t have been associated with that account. It seems like there has been numerous errors at Citi Bank and I'm the one suffering.

Today XX/XX/XXXX I spoke to Citi Bank following up with my latest enquiry only to find out nothing has been done for 3 weeks. Allegedly they tried to call my wife to confirm SSN, DOB and our names. I have been told to wait another 30 days.

This card is in good standing, payments are not missed and I am losing out on the benefits to my credit report. Even if it was 1 point a month that's still 8 points. We also pay an annual fee for this card which seems  insulting given the lack of service received.

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 2015-09-19
Company: Summit Financial Corp.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I took out a loan with summit financial for a vehicle about 1 year ago. I never get a bill from them and have occasionally been less than 30 days late with my payment. I have always paid less than 30 days late. In XXXX I continued to run a little bit behind so I took an option for a XXXX time deferrment for a fee to get back on track as I was getting closer to 30 days late. I made my XXXX payment on time and when I was going to make my payment in XXXX on the XXXX two weeks late, I instead received a knock on my door to serve me a notice of which I thought it was repossession. Upon calling and speaking to a XXXX XXXX who was highly abusive to me, I asked to speak to a supervisor and was passed to a XXXX XXXX who then proceeded to be even more abusive saying I was a collection manager and should be ashamed that my bill was 17 days late. In the past I have made several complaints about a collection agent XXXX XXXX who has made repeated calls to my job despite requests not to call me at work. In fact she made no less than XXXX calls in a 1 hour period to my job back in XXXX. I was assured she would not be rep back in XXXX and I thought all was well. However, she emailed me and apparently dispatched a door knocker, who I mistakenly took for a repo agent. XXXX, XXXX XXXX, and XXXX XXXX have little to no regard for the Fair Debt Collection act and have been at best abusive. I have spoken to excellent professionals at this company before but these XXXX individuals are out of control and I would like it to stop. I have been assured by XXXX XXXX who is the VP of collections that my issues will be addressed. He was reasonable and stated his company 's position about the collection activity which while I disagree with using door knockers now understand is an action they chose to take. What I do n't understand and based on the fact that I have made several verbal complaints about these collection practices in the past is that the abuses continued as long as they have. I am hopeful XXXX XXXX is addressing this but I felt the level of abuse to protect other consumers needed to be reported. I have had some pleasant interactions with this company including XXXX XXXX himself, they do have professional competent bill collectors working for them but these few individuals are so far out of control I could not keep silent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
never had this credit card. never paid on never used it. have been requesting info on this supposed debt but one bill collection company just passes it off to their affiliated bill collection companies. It goes on and on and on. If I forget to respond to one of these places I might be sued for something that is not my responsibility. who protect the little guy. you?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: MS
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXXXXXX XXXX XXXX XXXXXXXXXXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2017-11-15
Company: Experian Information Solutions Inc.
State: FL
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 have a hard inquiry from XXXX XXXX on my Experian credit report dated XXXX XXXX, XXXX that does not belong to me. I have attempted to resolve this with Experian via phone and CFPB but am told to contact the creditor. I have sent a CERTIFIED LETTER requesting to remove this erroneous record from my report on XXXX XXXX, XXXX. XXXX XXXX has not responded to my request. Please have this record removed from my report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-05
Company: CORELOGIC INC
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
MY NAME IS XXXX XXXX MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX, IL.XXXX. I AM WRITING TO FILE A COMPLAINT ABOUT A COMPANY CALL CORELOGIC / CREDCO. TO FIND OUT WHY CREDCO HAS MY SOCIAL SECURITY NUMBER AND HOW DID CREDCO GET MY SOCIAL SECURITY.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In receipt of the result of the first investigation from Equifax dated XX/XX/2022 from my request years ago, they said in writing that the accounts are verified being reported correctly without providing me a copy of any original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). 

They also failed to provide me the method of verification s required under Section 611 ( a ) ( 7 ). As per Section 611 ( 5 ) ( A ) of the FCRA, they are required to delete all information which cant be verified. These accounts are : XXXX CARD SEVICES XXXX XXXX BANK XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX CARD SEVICES XXXX I have attached the letters that I have sent and the letter that I received from them together with the screenshots of the inaccuracies and errors on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: Continental Finance Company, LLC
State: NC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
A little over a month ago I got approved for a Matrix and a XXXX XXXX by Continental Fiance. I never received the first set of cards. I did receive a bill for the XXXX card that said my due date was XXXX XXXX, 2017. Upon receiving this bill I call the credit company. I spoke to the agent and informed them that I have n't received my cards so how do I get a bill. The agent informed me that since I was approved the bill was printed and mail. But since I have n't received my cards I did n't have to pay it. So she looked in the system and had my cards canceled. She explain that the were printing and sending out new cards. So I received my two new cards on XXXX XXXX, 2017. I opened my mail and I call the credit company back. The agent informed me that my cards are good for use and she will re age my accounts and my new due date will be XXXX XXXX, 2017. On XXXX XXXX, 2017 I use the XXXX card and made two transactions that was accepted. The next day I was trying to use the Matrix card and it was denied. I waited until XXXX XXXX, 2017 the next business day to call the credit company back. I was informed by another agent that my cards was canceled. I explain what was going on she even looked into my accounts and say that it was re age to a new due date. She explain that the cards should never have canceled out. She also said that if I wanted to keep them I would have to open both accounts up again. I refused to do that as I did n't want another hard pull to my credit. I am now in fear that this will affect my credit in a negative way. This company had impacted my credit score in a negative way and it was not my fault at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: Resurgent Capital Services L.P.
State: MO
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:
This account was paid to the original debtor. Apparently this company purchased the debt and continues to try to collect on it. We have disputed through all three credit agencies and now the company refuses to remove the dispute comments. This was handled by our attorney and was dismissed by the judge. Please see court case information below. The company could not provided validation of the debt in court and it was agreed to be dismissed. 
XXXX - LVNV FUNDING LLC V XXXX XXXX ( E-CASE ) XXXX/XXXX/2013 Dismissed by Parties PLAINTIFF 'S ATTY FILES DISMISSAL WITHOUT PREJUDICE AT PLAINTIFF 'S COSTS. CASE DISMISSED -- -COURT DATE CANCELLED. /NB Filed By : XXXX XXXX XXXX XXXX Behalf Of : LVNV FUNDING LLC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-15
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I got scammed, i sent {$650.00} to XXXX XXXX on XX/XX/2021 and on the Venmo receipt for the transaction it says, this payment is to investigate my sister XXXX XXXX. I never received anything from this man so i first tried filing with Venmo but they are helping the thieves because they first said they couldn't help because it was a transaction among friends then when i pointed out what my receipt says they just ignored me. I cantacted us bank and they refused to do anything stating they had no proof that this money was for services, i sent them the receipt and called them over and over. In the end they admitted the only reason they wouldnt refund my money was because it went through Venmo and they knew Venmo wouldnt help me. Now on XXXX website is says, Dont worry we have your back! That payments are protected!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: Nelnet, Inc.
State: FL
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  and XXXX  are reporting Delinquent, in collections, late, and Derogatory statements on my credit bureau report. I have called the Department of education several times and have been told that they have provided the credit bureaus information to remove this wrong information since XXXX. My student loans are not in default or late. On XXXX XXXX I spoke to XXXX a supervisor at Department of education and was told they are not reporting anything negative to the credit bureaus. On XX/XX/XXXX I called Nel-net spoke to supervisor XXXX and explained to her that I also needed them to send me an letter stating I am not in default, and they are no longer servicing my loans. I was told that the letter would be emailed to me, she verified my email address, and of XXXX XXXX I still have nothing from Nelnet. I was told by Nel-net that they have not reporting anything to the credit bureau since XX/XX/XXXX. I am attaching the letter that I received from the Department of education

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: ARVEST BANK GROUP, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried diligently to contact Arvest Central Mortgage to request the complete loss mitigation evaluation process and Im never able to get through to a representative. Im just placed on hold and forgotten about. Im a XXXX XXXX citizen, and have documented these interactions. Furthermore, the company is moving forward with the foreclosure process despite the CFPB rule regarding the pause on foreclosures as a result of the pandemic until XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Was Contacted by  XXXX   XXXX   XXXX   XXXX  that Equifax has me listed as deceased and i must correct that before they would consider a Car Loan.     Submitted a dispute to Equifax on  XXXX / XXXX / 17  to correct the information. As of today information has not been corrected, and still unable to apply for  a Auto Loan.      Checked today  XXXX / XXXX / 17  list my dispute as expired. Dispute # is  XXXX .     Tried submission of anothe  r Claim today, was unable.
Paid {$7.00} for a credit score, than it stated it could n't provide me with a score. But am able to get a Credit Summary, not a score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-10
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was told that they were soon to have4-G in my area and the phones and internet would not work where I live and they would not. I did n't owe for service and I paid one half of the charges to cancel and they said that would be accepted as settled. Then they put the other half in collections. This was a XXXX XXXX XXXX account. VERY UNFAIR! The collection is under Eos Cca fromXX/XX/2012 for {$210.00}. Ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX ( Original Creditor : XXXX AZ ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account XXXX XXXX, XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-04-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I received an unsolicited letter from Bank of America stating that they were reviewing my application for a credit card. I did not make an application. They also indicated that they had contacted XXXX  for my credit report. This is a violation of my privacy and my finances. 

The letter is suspicious in many ways and the phone numbers do not match phone numbers on the BOA website. 

I received a similar letter from XXXX XXXX and I have submitted that to CFPB. 

Please contact Bank of America about this unsolicited letter and their contact with XXXX. 

Thank you, 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 2017-01-14
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Over the last year in XXXX & several times in XXXX I have contacted my bank about a paid loan that they keep billing me annual fees for account that was closed in XXXX soon as the account was paid off. Each time that I speak with a customer service agent, they either do n't see the form filed with the correct department or the correct form was not submitted by the previous agent. Since XXXX I have been receiving statements about this same account and I have called each time that I have received one. Now they are charging a late fee, plus threatening to send this to a collection agency for an amount that I do not owe Regions Bank.

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 2016-11-11
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I submitted a dispute to ChexSystems a little over a month ago. I called this evening and they have no record of it. Needless to say, I am not to pleased right now. Attached is the information that they sent me and I disputed everything. Also attached is the letter that I sent out to them today with notice that I will be filing suit if the information was not removed from my report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation