BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2016-05-18
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Medical Bill my ex-wife failed to properly submit to correct insurance went unpaid and I was not notified or ever received a bill until I saw the negative mark on my credit report. I made immediate payment while still proceeding to have the correct insurance coverage applied. The collection company is refusing to remove the fraudulent derogatory mark from my credit reports.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 is reporting a collection to my credit that should not be on there. I never received any kind of notice that this was in collections and I only found out about it once I had my credit pulled and saw the account on there. As soon as I found out I went and paid the account. This should not be on my credit report as it is in violation of my 30 day right to dispute and has already been paid.

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 2020-03-18
Company: ERC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ERC, a Debt Collection agency has an agreement with me to collect {$50.00} per month to pay a debt I owe. In XXXX on the XXXX they charged me {$50.00} from my bank account and then on the XXXX the same. 
Payments were to be made on or about the XXXX of the month and have been like that since XXXX. In XXXX was charged 2 times by this company. 
Once on XX/XX/XXXX and once on XX/XX/XXXX. 
I have attempted to speak to someone at ERC but have been hung up on numerous times, laughed at, transferred to dead end lines and finally given the presidents number only to find his voice mail full. 
When I called back about this I was to keep calling it till someone picked up. 
They refuse to put me in touch with whoever might be able to help me. 
I am on a shoestring budget as I am XXXX and unable to work, so an extra {$50.00} is kind of a big deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX is fraudulently reporting a collection account for a credit card that has been negotiated and settled with Capital One Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
An account was opened in my name in XXXX. It was opened in store by someone pretending to be me that I used to live with. However, at the time, I was not living with them. The person was paying on the account. They had their email, their phone number, and their address linked to the account. I found out in XXXX and immediately brought it to the attention of law enforcement. I filled a report and pressed charges. I was advised by the officer to reach out to the creditor to see what they suggested. I have been trying to get this issue resolved since XXXX. The person was found guilty spent time in jail and has since been released. Yet, I am still trying to recover from what they did to my credit. I have disputed the account, and they apparently deemed that I am responsible for the account. Whenever I try to call about the account to see about possibly paying it off or finding out how much was taken using my info, they advise me they are not allowed to release the information. The person used all their information for the account ; they just used my SSN and name. Everything else belonged to them. I need help resolving this because it is not fair what is happening to me or what was done to me. The account number I got from one of the bureaus was XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Experian Information Solutions Inc.
State: OH
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 XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-03-26
Company: SYNCHRONY FINANCIAL
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
About a year ago we financed a computer through synchrony bank for a company called XXXX XXXX. We've financed XXXX other computers through the company over the last 6 years without incident. However, beginning in XXXX of this year we have been getting text messages and emails supposedly from this bank that we had unpaid payments and they notify us of this just a week or so after we made the payment. It's getting beyond the point of annoying because they are contacting us XXXX or XXXX times a week. We've tried to call them, returned their emails, and text messages to no avail. I am starting to think this bank has been spoofed in an attempt to obtain money that we do not owe because the bank is a fraud. I have the information from our messages. " This is a message from Synchrony Bank. Return our call at XXXX or our mailing address at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX. Synchrony Bank XXXX This is a recorded call. '' Please help investigate this company for the harassment they have inflicted on us. 
Sincerely, 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 2020-03-18
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
my home is not in flood zone, it is in " x '' zone, my mortgage servicing company is keep taking expansive flood insurance, and adding premium on my monthly mortgage payment, and i can not pay extra money on my monthly payment, and they are keep telling me i am not paying enough to cover the flood insurance, which i do not need, i also provided letter From FEMA for LOMAR letter, they fix in XX/XX/XXXX, and now they started charge in again in XX/XX/XXXX, i have been working with this service for last 12 Months and problem is not resolve, i have complaint on XXXX, and still no fix, please help me soon before i loose my home

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 2017-05-25
Company: Retail Recovery Service N. J., Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I was trying to make a high ticket purchase and was advised that I have a judgement from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I closed a XXXX XXXX account I had back in XXXX. To my knowledge it was in good standing. I used the checks from that to pay my rent. After moving from NJ in XXXX I have been in contact with my previous landlord and the last check I wrote them for my last month of rent went through fine. Since I no longer live in NJ I never received the correspondence from the court regarding that lawsuit when it was sent out. I contacted the courts and was provided copies of the documents that were submitted. In these documents there is nothing showing how the account became overdrawn or delinquent. I was expecting a statement of some sort from the bank showing the fees but there is n't one. I did not receive a call from the bank to notify me that the account was overdrawn or a letter. To my knowledge the collection agency, Retail Recovery Svc NJ Inc, did not contact me either. My phone number has been the same for many years. on XXXX XXXX, I called XXXX XXXX customer service. They were not able to pull up the account. I was transferred to the collections department and they were not able to view the account. I spoke to someone in the department where XXXX accounts are handled and they could not pull up the account. Eventually, I called the executive office and was transferred to someone 's voicemail. I left a message and have not heard back from her yet. My main concern is that all of this may be due to fraudulent activity. I feel like I am being forced to pay for something without solid documentation. I contacted the attorney and the only thing he wants is money. At first I was going to just go ahead and pay the attorney {$1000.00} but that 's a lot of money to pay out and not know what is going on. How do I know if this is n't due to the fraud that took place at XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: Experian Information Solutions Inc.
State: RI
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:
In accordance with the Fair Credit Reporting act XXXX ( Original Creditor : XXXX XXXX ) # 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 an 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 explanation
Consumer complaint received 2017-05-26
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
For years now , Navient k ept sending me bills that did not comport with what the representative ( usually not in this country ) was telling me over the phone when I called to ask why no amount was listed as due. The prior calls with other representatives gave contradictory information and I was told that I would received explanatory information in the mail. Nothing would ever come. As a person with a more-than full time job, I could not spend hours on the phone with representatives unable to clearly explain why interest, principal amounts and fees were being allocated in the manner that they were and then I would receive a bill that did not reflect what the representative told  me two w eeks or a month prior.   I inevitably got behind trusting that the representative was correct which then turned into additional fees, interests on top of capitalized interest and added to the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2018 my credit report was pulled without my consent as an attempt to open an account under of some sort under Nissan. An account was not successfully established to my knowledge but this hard inquiry reflects on my credit profile and after contacting Nissan on more than one occasion they could not assist with resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have been denied credit within the past 2 weeks because lenders have been unable to pull my Equifax credit report. I attempted several times within the past week to obtain my own reports through the Equifax site but when I do, I receive an error message. A hold is placed o my credit card for each attempt but no credit report is produced. By not being able accessing my report, I am unable to make important financial changes. Customer service has not been responsive and has been unable to help me. I have no active credit freezes or alerts on my file that should prevent me or a lender from obtaining my report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have asked via certified letter to validate accounts with XXXX, XXXX XXXX and XXXX XXXX XXXX to no avail. My response was " account verified ''. 

However, I specifically requested documents with all details pertaining to said accounts, with balances, payments, contract, etc and I received nothing other than the response from the bureau that according to the creditor, the account was verified. None of these accounts were legally validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Account with Regions bank opened in my name on XXXXXXXX XXXX with account number ending in XXXX. 

My name and email address were on the email sent by regions. When I attempted to seek help at regions they did verify my social and date of birth were used to peon the account but refused to close it.

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 2023-03-18
Company: U.S. BANCORP
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I NEEDED TO RENT A CONDO AT XXXX XXXX XXXX, SO I CHECKED AVAILABLE CONDOS LISTED ON XXXX. I REPLIED TO AN AD. TALKED WITH XXXX XXXX AT " XXXX XXXX XXXX'. PHONE # XXXX, EMAIL XXXX. SHE SENT ME A CONTRACT FOR THE UNIT WITH ADDRESS, UNIT # AND XXXX PICS OF CONDO. I SIGNED CONTRACT AND EMAILED TO HER. SHE THEN ASKED ME TO PAY TO SECURE CONDO. SHE TEXTED ME A LINK TO PAY HER VIA XXXX. I SENT HER FULL PAYMENT OF {$1100.00} VIA XXXX. SHE REPLIED IT DIDN'T GO THRU AND CREDITED/REFUNDED ME THE AMOUNT. SHE THEN ASKED ME TO WIRE HER THE MONEY TO HER " COMPANY ACOUNT : XXXX XXXX XXXX, NAME : XXXX XXXX XXXX, CHECKING # XXXX, ROUTING # XXXX. BUT I FOUND OUT MY BANK CHARGES {$30.00} FOR A WIRE TRANSFER, SO I TOLD HER I WILL TRY XXXX. SHE GAVE ME THIS ACT INFO FOR XXXX : ( ACCT NAME XXXX XXXX XXXX ). I HAVE NEVER SENT $ VIA XXXX BEFORE, AND DIDN'T KNOW WHAT INFO I NEEDED, BUT I THEN TRIED TO SEND HER PAYMENT VIA XXXX. XXXX COULDN'T SEND PAYMENT TO ACCOUNT INFORMATION SHE GAVE ME. SHE THEN ASKED ME TO SEND HER A WIRE TO " XXXX XXXX, ROUTING # XXXX, ACOUNT # XXXX ). SHE TOLD ME XXXX XXXX IS THE REALTY COMPANY SHE WORKS FOR, SO I WIRED HER COST OF CONDO FROM MY BANK ACT TO THE COMPANY ACT INFO SHE GAVE ME. IT STILL DIDN'T GO THRU. SINCE I COULDN'T GET THE PAYMENT INTO THE " COMPANY '' ACCT, SHE TEXTED ME TO WIRE IT TO HER AND SHE'D PAY HER COMPANY FOR MY CONDO RENTAL. SHE THEN GAVE ME HER PERSONAL ACT INFO AND TOLD ME TO WIRE HER ACT : XXXX XXXX, ROUTING # XXXX, CHECKING ACT # XXXX, ADDRESS : XXXX XXXX XXXX XXXXXXXX, XXXX, CA XXXX. I SUCCESSFULLY WIRED THE {$1100.00} TO THIS ACT. AFTER THE WIRE WENT THRU TO THE ACT LISTED ABOVE ( I REC 'D CONFIRMATION FROM MY BANK THAT IT WENT THRU SUCCESSFULLY, INCLUDING THE {$30.00} FEE ), I WASN'T ABLE TO GET AHOLD OF HER ON EITHER TELEPHONE # I HAD FOR HER. I EMAILED HER BUT DIDN'T HEAR BACK. I SHOULD HAVE KNOWN BETTER ; KNOWN THIS WAS ALL A FRAUD, BUT IVE BEEN LOOKING FOR A CONDO FOR OUR VACATION FOR MONTHS, AND WANTED TO SECURE ONE. XXXX AND I WENT BACK AND FORTH FOR A COUPLE WEEKS, BEFORE I FINALLY WIRED HER THE . SHE WAS SO CONVINCING ; CALLING ME, TEXTING ME, FEEDING ME ALL THE INFO I WAS ASKING FOR ( SUCH AS WHAT COMPANY SHE WORKS FOR, ETC ).

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 2017-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On Wednesday,  XXXX   XXXX , I received a letter from  XXXX   XXXX   XXXX  stating I had contacted them about a fraud alert. I never requested this service. Then, today,  XXXX   XXXX , I received a letter from  XXXX  about an " initial security alert '' that I requested, and it is using the phone number of a home we sold almost 3 years ago. These services were never requested so I tried to contact them. However both companies have an automated system and there is no opportunity to speak to someone about this issue. Even the phone numbers I found online are automated. My fear is they will also be charging me for these services at some point. Both letters also list TransUnion so I am expecting to hear from them as well so I have included them in this complaint.     I am attaching the letters I have received.     Thank you for your assistance in 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 non-monetary relief
Consumer complaint received 2016-09-12
Company: CITIBANK, N.A.
State: AR
Product: Credit card
Issue: Late fee

Complaint:
Was charged a Late charge that was not my fault. Tried to make payment online, would not take my payment. Tried to call that day. Had to wait 45 min hung up. tried to call next day, die day, compnt said all agents were busy call back later. Called day and was late. Not Fair. I tried for two days to get them there money.

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