BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-22
Company: The Best Service Co.,Inc
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I tried contacting the original creditor ( XXXX XXXX XXXX XXXX ) to pay a debt in full. The original creditor told me the amount I owed was {$450.00}, same as what is showing on their bank APP but different from the amount reported to the credit bureau 's. XXXX told me I could not pay them directly but was told to contact The Best Service Company and make any payments directly to them. I notified XXXX that according to a letter I received from Best Service Company, I owe {$540.00}. XXXX told me that they were going to correct that by notifying Best Service Company of an extra payment they had received, and accepted, from me after they had already transferred the debt over to them. I contacted The Best Service Company and they had told me the amount owed is for {$550.00} ( different from all amounts I've been told so far, as well as the amount shown on their letter ). After explaining that the amount they are charging is incorrect, they kept disagreeing and told me they received information from XXXX saying the amount they have is indeed correct ; even after XXXX told me differently. I am being told too many different figures by these two companies and I have been attempting at settling this debt for months now so that I can get my credit in good standing.

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 2023-02-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$700.00} ; XXXX XXXX XXXX XXXX XXXX {$1200.00} ; XXXX XXXXXX/XX/XXXX ; Original Creditor : XXXX XXXX ) XXXX Balance : {$26000.00} ; XXXX XXXX Balance : {$4600.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: CURO Intermediate Holdings
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/XXXX Speedy Cash  debited my card for XXXX without my permission. When I contacted them they said that the company " XXXX XXXX '' handles all of their collections accounts, and that I should be glad my debt was settled. I spoke to 4 different people with my bank on the line and they kept giving us the run around. I called " XXXX XXXX '' and kept getting a " system down '' recording. Spoke to them XX/XX/XXXX and they stated that they didn't debit my card Speedy Cash did yet their XXXX location is on my bank statement. I asked them to produce the contract since they said the system is automatic. Speedy Cash gave them my account in XXXX of XXXX. XXXX of XXXX your company is still debiting my card. I asked them to produce the letters sent from their company they were unwilling to do so. The representative XXXX asked me if " I needed money ''. Each attempt I made to obtain the paper work they denied it to me. I even logged onto Speedy Cash website to see if I could obtain the contract and nothing was in the log. I asked a rep to send me copy and have yet to receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
for over 3 years I having been trying to have erroneous information expunged from my report through government channels. My previous complaint ( XXXX ) has had no response in over 2 years! On a recent credit check I realized it has still not been removed. Barclay has failed to legally respond and address this issue. Should I pursue a legal remedy?

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 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
these items that are being reported on my credit report do not belong to me i have already submitted a police report because i believe i am a victim of identinty theft these listed items are affecting me negatively and making my day to day life hard and moving forward in my life impossible

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 2019-06-22
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have an auto loan with XXXX XXXX. In XX/XX/2019 my insurance company totaled the car out and paid them {$7700.00} leaving a balance of {$2900.00}. I have been trying to get them to update the credit reports as they are reporting the wrong information. We nor XXXX XXXX own the car any more the Insurance company does. So this needs to be corrected. Please report the correct information to the credit reports.

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 2018-06-15
Company: Experian Information Solutions Inc.
State: PA
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:
On XX/XX/XXXX I XXXX XXXX spoke wit Experian and XXXX about a student loan that was report incorrectly in the amount XXXX on an account the was not due until XX/XX/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 2023-08-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, my name is XXXX XXXX. 
I received a settlement and deposited the two checks from the settlement in my checking account. Was told that only 1 would be held for verification because it was {$5000.00}. The other was under that amount. Both checks were held. Also it shut my account down, debit card was deactivated and I could even Use the funds that was already in my account. The customer service representative are very rude and immediately told me the checks were fraud and I was going to have to pay it back When the checks weren't even cleared yet. They were still being processed. It was only 2 days of me depositing the checks. They are u professional, have no clue what to say or do when you call for help. 
Immediately the day after my account has been placed on hold with no resolution, no one can help elaborate on why my account is frozen and they told me they don't have to tell me why I can't access MY own money I deposited. 
Then I opened up a business account, never used my social security number only my business name, and this institution attached the business to my social security number when I never given them my social. Only my EIN number. So when i called to discuss why my personal account was on hold, the representative proceeds to discuss my business account. Which shouldn't even be attached to my social at all. Nor my name. Its a business account I also keep getting these overdraft fees with fees attached to to the overdraft fees. I haven't even used my business account for anything so how could i receive overdraft fees. 3 of them + 3 fees of {$30.00} for having 3 overdraft fees. My account is now - {$250.00} all for fees associated with my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Velocity Portfolio Group
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Have requested verification of validity of debt and requests have been ignored

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 2019-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The following companies I disputed as having fraudulent charges on them and transunion did not notifying me of the results. 

XXXX XXXX XXXX XXXX XX/XX/2013 XXXX XXXX XXXX XXXX XXXX XX/XX/2013 XXXX XXXX XXXX XX/XX/2013 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 2020-05-08
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My companys bank account with US Bank was frozen on XX/XX/2021. I made several phone calls to them and visited the branch more than 5 times. When I first called, they told me it would be resolved in 3 weeks or so. However, after a while, they informed me that my account would be officially closed on XX/XX/2021 and advised me to discuss with the XXXX XXXX branch regarding the balance being refunded to me. 
I visited the branch again in XXXX and around the end of XXXX. That is when they told me to submit invoices for 4 checks. They claim that verification is required for about {$17000.00} of the total frozen amount of about {$50000.00}. I asked one of the bankers at the branch if he could provide documents, such as bank statements for the checks that they needed verified. They told me to provide invoices for the 2 checks and the full bank statements for the other 2 checks, instead of partial statements. I was under the impression that US Bank can complete a verification process through copies of the cleared checks in question and/or statements showing the items had cleared. Many of these checks that they are wanting verified are checks from customers that have been deposited into my account several times prior. This random request makes me feel like this is just a way for them to stall releasing my funds that are currently still frozen.

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 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
You broke the law and are in violation!!! I have enclosed all documents which includes ( Previous CFPB complaint, copy of my drivers license, identity theft report, & statement with instructions ). ( Please see attachments )

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 2019-06-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have a Macy 's store credit card where I have a history of making on-time payments with the exception of 1 month. This occurred in the beginning of XX/XX/2018 as I was transitioning from a long period of unemployment and had just gotten a new job. I reached out to Macy 's in order for them to work with me through this transition and temporarily help me with a lower monthly payment for a few months as I earned an income again. They were not willing to help me during this time of hardship and I could not afford the minimum payment of {$62.00} that was due on XX/XX/2018. At the time that was a substantial amount. I reached out to them with no luck and had to miss the payment.

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 2021-04-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taking advantage of and being ignored of my disputes. In Section 611 ( a ), it plainly calls out that a failure to investigate theses items with in 30 days gives a clear and present reason to immediately remove those items from my credit report it has been over 60 days so the items in question should be deleted promptly. I demand the accounts in question be deleted immediately or I will file for a litigation due to the mental and emotions stress you have caused me. This matter has effect my XXXX and XXXX  wellbeing and I will seek damages if this matter is not swiftly resolved. My information was also impacted by the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Kikoff Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
So this is kickoff, it advertises that you can get a line of credit and everytime you use that credit or use their debit service they will report that you have made a payment. Now with this credit it's in store credit which is never stated until after you have made an account. Now the is inaccessible most of the time and it only offers additional services that you have to pay for. It's not a real line of credit which is what was advertised. The other part is that I paid the first {$5.00} needed to start plus an additional {$5.00} for the following month. When I looked at my credit utilization it was at 7 % despite me never actually using any of their credit and paying in advance. When I connected them asking I got a very generic message that didn't answer my question as to why my credit was utilized and about the marketing issue. My credit has also gone down since I signed up with this service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I am a victim of identity theft. The accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. This is a strict violation of FCRA Laws section 605b, they should be blocking or removing these from my report. 

XXXX BANK XXXX, XXXX CARD XXXX, CALIFORNIA 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 explanation
Consumer complaint received 2018-07-30
Company: EQUIFAX, INC.
State: MS
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:
On XX/XX/2018 I mailed the credit bureau a letter requesting them to remove dismissed & unconfirmed bankruptcies from my credit report. I stated that I was outraged that their company continues to maintain multiple dismissed ( filed ) bankruptcies as confirmed on my credit report. These unconfirmed, unverified, and dismissed ( filed ) bankruptcies have stopped me from obtaining credit. I know for a fact these companies receive information on bankruptcy from a third party system known as a Pacer System. The Pacer System is inaccurate and incomplete since the Pacer System does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it the credit bureaus policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from date of adjudication or date of order of relief. 
Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. They have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act they delete this from my credit report and send me an updated copy. 
Considering this does not require an investigation, I would appreciated an updated copy of my credit report showing no bankruptcy within two weeks from the date you receive this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: Diversified Adjustment Service, Inc.
State: NJ
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have requested proof of ownership, original signed contract, balance of account and have not received any information. This company continues to tarnish my credit report and harass me with no validity of debt. Debt is not mines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: SYNCHRONY FINANCIAL
State: NV
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:
Hello at the sams club I inquired about renewing a membership. The customer service representative said that I qualified for a free 2 year membership and that because I was already Pre approved I would not get a hard credit inquiry on my credit report. She asked me to enter in my social security number into the system. I did and I got my membership. I later found out that that was a lie because My credit report shows the hard inquiry. I talked to the head manager at the location and he reported the incident to the credit card company and said that he talked to the representative who lied to me. I received a letter back from the sams credit card department and they told me that it was a legal inquiry. I am upset about this because I had no need for another credit card and the inquiry lowered my credit score. I believe these representatives get some type of commission for signing up people to the credit cards so they would lie directly to customers faces just to get the commission. Please help.

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