BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
State: CA
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:
When reviewing my credit report I noticed an account being reported by XXXX XXXX XXXX. They were reporting a debt from XXXX in the amount of {$1500.00}. I contacted this company as well as Experian, XXXX, and XXXX in reference to the report and all parties continued to report the account despite me alerting of them on 4 separate occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) of their failure to meet minimal reporting standards. This is outrageous and the failure to address my complaint is causing hardship to my life. I'm trying relentless to correct this issue. I have been trying my best to obtain different employment however the jobs I'm seeking include credit checks as a part of their employment process. This is embarrassing to my record as my credit score is a representation of my trustworthiness and this is not a great reflection, especially when this account is being reported against standards.

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 2023-12-12
Company: EQUIFAX, INC.
State: WI
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 implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: U.S. BANCORP
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been a with US BANK customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account XXXX XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payment, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

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 2019-02-13
Company: ERC
State: MT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
No reason any Collection Agency should contact me. THis seems to be a scam. Company calls me everyday. They use different numbers. Want me to call another number. Claim they are ERC. want info to collect a debt. I can not help them, see my reasons below. They give a Ref number XXXX. I have a credit rating of 834 + with 2 of the credit Bureaus. I have Zero late payments on my credit record with any of the 3 Credit Bureaus in over 30 years and more. Phone numbers they use to call me on are ( XXXX, XX/XX/2019 XXXX ; XX/XX/2019, and XX/XX/XXXX, XXXX, at XXXX. I have never received any debt letters from anyone. I blocked these calls but they show up in my voice mail. This is my 2nd complaint with you to no avail. 

I have no documents as I am paid up on any credit cards. My Identity was stolen by the XXXX years ago via Federal Govt. I now have ID protection given to me free from the Federal Govt. I can provide a copy of their investagation report on my good credit with ZERO late payments, ZERO collections, ZERO bankruptcys. 

I have NEVER received a statement from this company. I do not have an account with this company. Thus provided their Ref number in the account box. 2nd Complaint and they never contacted me via email on prior complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: NAVY FEDERAL CREDIT UNION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have two accounts reported by NFCU on my credit bureaus. One credit card account and a loan account. Neither accounts belongs to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
They helped me with my payments however I ni can not log in. They deleted my email and phone number associated with the account so I can't get the text or email code in order to make my payments online. They're are doing everything they can to make me late, hit my credit and get late fees. This is absolutely not okay. We've had nothing but issues with this horrific company. I have cards through them for XXXX, Victorias Secret, XXXX and XXXXXX/XX/XXXX that they have done this with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I called XXXX prior to applying for a checking account and verified that a hard inquiry would not be ran to open a checking account. The representative told me that it is only ran on credit products. To my surprise, my Equifax report shows that XXXX ran a hard inquiry on XX/XX/2023. This inquiry was not authorized and I'd like to have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Block, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Ok so on XX/XX/XXXX my current debit was charged a XXXX dollars that I did not authorize and the charge was from cashapp I showed them the transaction and I was told there was nothing they could do and to consider my claim closed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: NC
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:
SENT IN A LETTER VIA PRIORITY MAIL IN ATTEMPT TO REMOVE INQUIRIES THAT RESULT IN THE FORM OF IDENTITY THEFT. THE COMPANIES HAVE FAILED TO RESPOND OR ACKNOWLEDGE MY LETTER AND MY PHONE CALLS TO GET HELP REMOVING THESE INQUIRIES THAT ARE CAUSING ME DENIALS. THIS IS A VIOLATION OF MY RIGHTS PER FCRA. IF THESE ARE NOT REMOVED IN 30 DAYS I WILL PROCEED WITH ARBITRATION AND EXPECT TO BE COMPENSATED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-15
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There's an invalid and unverified debt collection account on my credit report. I've made several attempts for verification such as original statements and a contract with my signature, the nature of the account, etc. I also requested a copy of their license to collect in the state of Michigan. I have sent several letters via certified mail to the collection agency for over a year. I have not yet gotten a response. This account does not belong to me. 
Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: Paypal Holdings, Inc
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX, XXXX is a collection agency based out of XXXX, Washington. I have received multiple letters from XXXX  whos creditor is PayPal , Inc . The collection letter states that I owe a balance of {$3900.00} and that payment must be received in ( 60 ) days of the date of the letter. The attached letter is dated XX/XX/2019. The letter goes on to say that if I pay this collection, the client will cease further collection efforts. This is a scam and a completely unsubstantiated collection. I have not now, nor in the past, used PayPal. I do not have a PayPal account. This attempt to collect a debt I do not owe could cause serious issues with my credit reporting. I have contacted XXXX to resolve this matter however, I have not been successful. I respectfully request that an inquiry into XXXX be launched and any collection proceeding against me be stopped immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-04
Company: Experian Information Solutions Inc.
State: FL
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:
Attached are documents which show that several payments were made in the month of ( XXXX and XXXX. ) The reason for this dispute is in reference to wrongfully information reported on my credit report with XXXX, XXXX and Experian. The account stated below from XXXX XXXX is incorrectly reported as a late payment for the month of XXXX XXXX. This needs to be removed immediately as this is hurting my credit score significantly. All months were paid on time and never late. Please update this information on my credit file. 

Please make sure that my contact number is visible/ provided in the Personal Statement section of my credit file. Asking al creditors to contact me first before issuing credit. Due to my personal information being compromised.

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 2023-11-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was removed as an authorized user from my wife XXXX XXXX XXXX account. It is still reporting me as a user on my credit report. I have already filed a complaint to have this issue resolved and nothing has happened. Complaint number XXXX.

Company response to consumer: In progress
Consumer complaint received 2021-01-05
Company: TD BANK US HOLDING COMPANY
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/2020 COVID-19 request skip payment ; which I got that was great but I purchased truck XXXX XX/XX/2020 shouldnt have gotten TD customer service tells me after like I should feel lucky no just 1st banking mistake 2nd issue called bank seeking another skip, but wasnt necessary upon getting bill I didnt owe for that month a miracle nope a billing mistake a payment from dealership do to their mistakes now Ive been billed as though I missed a payment and no correspondence by letter of mistake or corrected through contact I am currently 2 months due which looks like 3 please correct entirely late fees credit reporting payment history entire correction any fees or interest added. All documents with amounts are attached. After dealing with your customer service and your resolution department I was left feeling on multiple occasions like youre allowed to back office bill me and that you can do whatever you want and it has negatively affected me so Im hoping that through this channel I will get the appropriate correction Ill be bringing my bill current and I can just move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Early in XX/XX/2021 I set up automatic payments on my XXXX account from my Chase bank account, authorizing XXXX to collect my monthly payment due. On XX/XX/2021, XX/XX/2021 and XX/XX/2021 XXXX collected {$53.00} on each of those days respectively. 

On XX/XX/2021, XXXX advised me that my account was past due because I had not made payment. XXXX claimed that my bank, Chase, pulled back the money from them. However, my bank has no information or record of this happening and my Chase bank statements show that the money was never returned to my account. 

There is currently {$53.00} that was withdrawn from my Chase account by XXXX and unaccounted for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 XXXX  XXXX is reporting incorrectly to XXXX and Transunion a collection in the amount of {$2000.00} on the XXXX  XXXX XXXX partial account ****XXXX. ( Please see page attached from my credit report. ) This collection is completely unsubstantiated and is reporting in error. The management company is falsely accusing me of damaging carpet to a unit I previously rented. This damage to the carpet was done prior to my moving in, and before I committed to the unit, I met with the complex manager and pointed out the existing damage to the carpet. The replacment of the carpet is not my responsibility. I did not damage the carpet and therefore should not be responsible for replacing it. I have contacted the ( 2 ) bureaus to remove this collection item from my report however, I have not been successful. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed.

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 2021-01-05
Company: Braviant Holdings, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Some time in XXXX of XXXX, I received an alert on my credit report that I had a collection from a company I have never heard of. 
I called the number listed. It is XXXX XXXX XXXX. They said a debt was sold to them by a company called SunUp Financial LLC. I called them and they had no information for me. They said they could not provide me any documentation and that I had to call XXXX again. So I called XXXX again and they had nothing to provide me but an account number and a strange copy of payments due for some type of loan that is not mine. I begged them to provide me the amount, how did I get the money, something with my signature but all they have is some strange docusign paper with the amount of XXXX dollars on it. My name is not even attached. This is apparently from XXXX, and I have never taken a loan for XXXX ever! I even had my bank XXXX go through with me all any any deposits or money from this company or any company in this amount and nothing. I make allot of money and have a good job. There is no way I would ever take a loan for this amount of money. The company XXXX are very rude and every time I dispute this, I get a result saying " We investigated and its staying on my credit Report. '' This is not right. This is not my signature on the attached document. I did not receive any money and I did not take a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: Lendmark Financial Services
State: MD
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 was a victim of identity theft and I notified the company involved. ( Landmark Financial Services XXXX XXXX XXXX XXXX XXXX, GA XXXX Acct # : XXXX AcctID # XXXX ) I asked for them to provide me with documentation that validates this debt and establish ownership : such as a signed application, identifying documentation provided at the time the account was opened. They sent me a billing statement, nothing else. I requested either they validate the debt or remove it from my credit report also that they notify the credit bureaus to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: PA
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: Investigation took more than 30 days

Complaint:
I had sent a notice to these to agencies about 2 months ago and have not received a response nor a solution to my problem. I had requested to be opted out of the reporting of the following information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I want my nonpublic financial information to stay private so I am asking that I am opted out of reporting that information pursuant to 16 CFR 313.7 - Form of opt out notice to consumers. I have a right to privacy and I intend to keep it.

Company response to consumer: In progress
Consumer complaint received 2021-01-05
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi, I woke up on XXXX to my CITI mobile account saying " account closed '' I called CITI as I did not close my account and was told that there is a block on the account. FOUR hours after being on the phone and being told " we don't have a supervisor to help '' I have direct deposits coming into my account and absolutely no idea where my money is. I have gotten nowhere. Tried calling the Corporate office and was told that they will take 15 days to investigate. FIFTEEEN days? Where is my money. I work very hard for my money and trusted CITI with it and now I have no access to my money and have bills to pay. This is unacceptable.

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 2020-12-26
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: DC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Good afternoon,XX/XX/XXXX, based out of XXXX, WI XXXX XXXX. XXXX XXXX, XXXX, WI ), manages my Health Savings Account that is funded through payroll deductions from my employer. As of the date of this complaint, I have only received one welcome letter from the Bank, dated XX/XX/2020, regarding this account. I have not received any documentation ( i.e., disclosures or statements ) concerning my rights as an account ( deposit ) holder and, more importantly, I have not received my health care payment card or any alternate options to access the funds within this account so that I could pay for my pertinent out-of-pocket medical expenses. I have tried contacting the Bank as well as its affiliate, XXXX, to obtain a status of the health care payment card and have not received an appropriate response nor have I received the actual card as stated by the telephone representatives. I have called the Bank and its affiliate three times concerning this matter and, therefore, have exhausted my options. The last time I called the Bank, which then transferred me to a XXXX representative, was on XX/XX/2020. I would greatly appreciate a thorough response from the Bank and/or its affiliate regarding this matter so that I could perform and manage my pertinent healthcare expenses as intended.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 WAS LOOKING OVER MY CREDIT REPORT TO BUY A NEW HOME WHEN I SEEN SOME ACCOUNTS LISTED ON MY REPORT THAT I NEVER DID BUSINESS WITH THESE ACCOUNTS ARE HURTING MY CREDIT AND WAY OF LIFE AND I WANT THEM REMOVE.

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