BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-23
Company: Experian Information Solutions Inc.
State: ID
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:
For several months, I have been attempting to have a collection item removed from XXXX  XXXX  that has been reporting on my credit report. 

I have never had an account with XXXX and I do not know why it continues to show up on my credit report. 

I have tried disputing this information with XXXX XXXX themselves and they first provided me with an unknown name and address on the account. They admitted that the only thing that matched on the account was the last XXXX of my social. 

XXXX refused to stop reporting this information to the bureaus, so I then reached out to Experian ( Account # XXXX ) and XXXX ( Account # XXXX ) to dispute it with them. I explained to them that I have never had an account with XXXX and I asked them to provide proof that this debt was mine. 

Neither Experian or XXXX ever provided me with proof, but they both came back and stated that it was verified. 

Because of this deliquent account on my credit reports, I have been denied for a home mortgage, and I also have incurred higher interest rates for other credit cards I have since applied for. 

When I called and tried one last time to have this item removed from my credit report on XX/XX/2022, XXXX XXXX made me pay them {$210.00} and after I made the payment during the phone call, they blatantly told me that they refused to stop reporting the item to Experian and XXXX - even though they had just forced me to pay {$210.00} for a debt that was never even mine. I have this phone call recorded and I am happy to provide a copy of the call and blatant violation upon request. 

Having this fraudelent item on my report has cost me XXXX  of dollars and so much heartache, and I demand that it be removed from Experian and XXXX and I also demand {$1000.00} compensation for the FCRA violation that all three of these consumer reporting agencies made against me when they KNOWINGLY continued to report false and fraudulent information on my credit report ( and not providing a single piece of proof that this debt ever belonged to me ). 

According to 15 USC 1681, Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater

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 2020-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I used my XXXX XXXX debit card as a credit card over the weekend. There were several small charges made that equaled to approximately {$35.00}. The charges went through at the establishments. My bank, Bank of America allowed these charges to go through. I transferred money in and out of the account over the weekend online. In between the transfers, Bank of America charged my account ( 3 ) Three overdraft fees for {$35.00} each for a total of {$100.00}. Money was available to cover but the overdraft charges were a domino affect that caused the second and third to happen. All of these charges were not available until Tuesday from the weekend. There were enough funds to cover the charges. I have called the bank and they refuse to refund these charges. If there were not enough funds in the account, the bank should have decline the card charges. Banks should decline charges instead of charging overdraft fees. Bank of America should have continuous processes over the weekend instead of conducting business like it was 1990. Money can be made available over the weekend just like it can be during the week.

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 2023-12-16
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax requested by mail response to submit 2 items for proof of identity, 4 times dates XXXX XXXX XXXX XXXX. I sent a copy of my SSN card, credit card statement with my name and current address, utility bill with name and current address " as requested '' all 4 times. All 4 times I get a repeated letter in return, requesting the very same items I previously sent in to the address given on the their letter, which is a stall tactic with no result of correction to the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am deeply concerned to discover public records on my credit report that I was unaware of. This is not acceptable. I urge you to remove these records and ensure my credit report is updated correctly.

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 2022-03-17
Company: Franklin Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I signed up with XXXX on XXXX 2019 for a one-year service of $ XXXX. 
The bills came : XXXX {$140.00} XXXX : {$130.00} XXXX : {$150.00} XXXX : {$170.00} XXXX : {$160.00} Each month I called to complain and each month I received a new version of why my bill was higher : features I did not sign up for had expired.. etc etc. I would have to pay disconnection charges higher than keeping the service. We agree on $ XXXX. 
The first bill after the new agreement came in the amount of {$280.00} with the note that " ongoing monthly bills will be {$250.00} ''. 
All exchanges with their agents are duly documented. 
I understood this would be the same saga. I stopped service and pay the last $ XXXX we agreed upon. 
I have filed charges against XXXX XXXX XXXX XXXX XXXX XXXX XXXX claims ( Case No, XXXX ) and reported that to every collector that has called me asking not to send this to the credit bureaus until it is resolved. They consider I owe the difference from the last bill {$240.00}. XXXX have called me, scorned me for not paying the {$100.00} instead, and laughed about my filing. 
Despite that fact and my request to wait until this case is solved, they sent it to collections damaging my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
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 information incorrect

Complaint:
XXXX  XXXX # XXXX is reporting an account to my credit with a balance that is already paid off. This has been paid for some time and is still reporting a balance and I need this removed off of my credit.

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 2022-12-23
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A collection from Allied has been appearing on my credit report for years. And every months or so, the amount increases. I have contacted them asking for proof of this debt, but to no avail. I have contacted XXXX XXXX, XXXX and XXXX XXXX and even you ( CFPB ) to dispute this charge over and over and over, but to no avail. 
Recently, I contacted the XXXX  AGAIN to resolve this false collection account from Allied. They sent the XXXX  a form for me to fill out requesting my social security number and previous addresses ( see attached ). I told the XXXX  if I provide such information Allied can then contend this debt is mine. The XXXX  suggested I contact you all... AGAIN. 
It's insane how a company can claim a debt is owed, increase that debt several times a year, report to credit bureaus and the debt is renewed each year since 2018 without consumer justice or proof. This is ridiculous.

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 2023-08-05
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. In 2018 my social security card, identification card, birth certificate and other documents were stolen from my then address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXand multiple credit cards, bank accounts and more have been fraudulently opened in my name without my consent or knowledge. As a red my credit score has dropped drastically making it nearly impossible for me to obtain housing and repair my credit. I have submitted multiple disputes and filed a police report which I have attached to each dispute in an attempt to remove the fraudulent items that are now in collections. I am asking for all fraudulent accounts to be removed from my credit reporting file.

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 2022-12-28
Company: Experian Information Solutions Inc.
State: RI
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:
in accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. State 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 15 U.S.C 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

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 2020-03-10
Company: Experian Information Solutions 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 information incorrect

Complaint:
XXXX  XXXX # XXXX is reporting an account to my credit with a balance that is already paid off. This has been paid for some time and is still reporting a balance and I need this removed off of my credit.

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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Again, I was a victim of identity theft and I wil be submitting this CFPB Complaint to request to remove the Fraudulent items from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XXXX XXXX XXXXXX/XX/. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and up-to-date credit information. The fraudulent inquiries listed on my credit report are in direct violation of this right. I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX. I would like to point out that the FCRA requires credit bureaus to investigate and respond to consumer disputes within 30 days. Since it has now been three months since I began disputing these inquiries, I expect immediate action to be taken.

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 2022-08-09
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2023-11-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Legally my loans are past the statue of limitations. I haven't been able to repay most of them for over 8 years and in the state of Oregon this puts these loans past the point of being able to collect on. I have 4 loans through navient that are private/ consolidated. They have been sent to collections and I still recieve calls and emails which is in my understanding illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX i made this clear for 60 days straight with XXXX 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 XXXX. I do not understand why they are abusing consumers XXXXThis 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 XXXX more than 21 times. XXXX 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 depressed now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: NAVY FEDERAL CREDIT UNION
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, I received two checks in the mail. For a total about {$1900.00}. I received the checks from my previous employer thinking it was the profit share check from working their the first 6 months of the year. I scanned the checks and navy federal approved them and deposited the money into my account. I though the checks were okay because they took a few days to process. So my wife and I made plans for the money and bought XXXX gifts for the family. I deposited the checks on Monday the XXXX and I believe the funds where available the XXXX. A few days later Navy federal pulls out the money from my account and gave me no warning as to what was going on. I had to call them and see why my account was negative {$1300.00}. Took awhile to figure out but the checks had a stop payment on them. They where checks that got lost in the mail from XXXX I just got them on the XXXX of XXXX. So today the XXXX I tried to transfer money from my other savings account but Navy federal froze my accounts with out warning. My be savings has a positive balance of {$1100.00}. The negative savings account balance about $ XXXX. I called navy federal to see if they could work me on unfreezing my accounts but they refused to help. They said I had to pay off the negative balance the {$1100.00} is all I have until I get paid again. They gave me no further options. So now I cant get my money for food or gas for the reset of the week until I pay off the negative balance. Hopefully you can help file a complaint. Thanks you XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: WASHINGTON FEDERAL BANK
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Washington Federal bank closed my Simple Checking accounts last week on XX/XX/2016 without any warning and gave no reason for doing so. The biggest problem is they have around {$5500.00} of my money that is XXXX % of all that I had leaving me and my family in financial trouble as we have bills as well as property taxes to pay that we now do not have the money to pay. Also I had deposits setup to go into my bank accounts that were rejected and I 'm having problems getting those funds as they are in cyberspace right now and I 'm not even sure I will be able to get them at all! I have never had something so ridiculous happen to me with a financial institution as this and I have been a member of many other banks..

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 2023-07-20
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I set up forbearance with XXXX and was approved through XX/XX/2022 through XX/XX/2022 and set up an interest only payment plan that I have been paying and never missed a payment. This brought my account current and put those months in good standing ( I have paperwork from XXXX ). However, XXXX reported the month of XXXX as missed and it dropped my credit score tremendously. I've reached out to XXXX XXXX XXXX department ( in which you can only respond via mail and their customer support department has no clue on the response ) and tried to handle directly with the company and they sent the letter saying they wont change. Next step was me writing this complaint. If this doesn't work I will go to small claims court and sue them for pain and suffering, taking advantage of XXXX  ( person of XXXX from low income area ) customer right after XXXX lifted the Student loan payment pause. The negative information has caused me to get higher interest rates on my credit card and drop my credit utilization with my lenders. Please note that XXXX has updated the status and reported correctly with only XXXX. XXXX hasn't reported correctly on Experian and 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