BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: NC
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:
After reviewing my credit reports I noticed that it was an account from XXXX reporting negative on my report. I reached out to XXXX on multiple occasions to get more clarification on this billing error, plus to figure out how they are furnishing negative remarks on my credit report without even sending me any type of written notice or proper disclosure with my option/right to opt out of reporting any PRIVATE NON-PUBLIC information without my written consent in the first place. 
I have attempted to get proper documentary evidence for clarification of the billing error or that they followed all laws and regulations to report the account in the first place. So I am placing this complaint with your organization with the hopes that they will finally respond with the documentary evidence that I owe them anything and this isn't a billing error ; along with proof that proper discloser was provided to me of my right to opt out of my private information being reported to non affiliated third parties. 
I have also notified the credit reporting agencies, and it seems like the odds are stacked against me because a company can say verified without any real legal proof and the credit reporting agencies just take the companies word for 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 explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$6000.00} ; XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-03-08
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
About 3 years ago, it was reported to my credit report that I owed a debt of nearly {$2000.00} to an online lending company ( SpeedyCash ) I never have had business with. 
I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: Square Inc
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
To Whom this May Concern and Can Take Corrective Action : I believe SquareUp.com ( Square Capital? ) may be making changes to their customers ' account with customer notification in order to generate additional fees or show growth in services under management. 
Approximately 60 days ago, Square changed my business account balance transfer policy from automated daily, to transfer manually as requested. This change generates added fees. My staff did not make this request, and when Square was contacted, they claimed not to have made the change. It was a computer mystery. 

Today ( XX/XX/20 ) I received the following unsolicited email from Square : Hello ________________ ( purposely blank ) We received your Square Card order. Your card should arrive at the shipping address you provided within 10 days. 

_____________________ ( purposely blank ) We will send a confirmation email when your card ships. 

Thanks, The Square Team I did not request a debit card from square, nor did my wife, who is the only other person with admin credentials on the account.

When Square was notified about the error, they stated that only I could have requested a debit card. I asked for IP address from which the request was made. Square declined. Red Flag.

I believe Square may be knowingly making changes to client accounts and initiating additional services in an effort show company growth, to the detriment of their clients. 

Please investigate further, and contact me directly for additional details.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hi, I have something listed on my account named XXXX. However, Ive never had an account with these people. I reached out to the number listed and they said they can not give me access to account details because I am not the owner of the account. Makes no sense if its on my credit report in my name but I can access. I tried to dispute as fraud but I can not because they wont even send me any documentation to dispute. Ive been a victim of identity theft since 2007 please remove as I was never contacted and have no knowledge of this account and why its on my report. I attached my fraud alert and the account listed.

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 2023-09-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
o Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding an issue I have encountered with the Department of EducationXXXX XXXX I believe that the Department of EducationXXXX has failed to report my recent payments accurately and has incorrectly charged me interest, which is adversely affecting my credit history and my account balance.

The details of my complaint are as follows : 1. Creditor 's Name : Department of Education/XXXX 2. Account Number : XXXX XXXX. Payment Dates and Amounts : - Payment Date : XX/XX/2023 Amount Paid on XX/XX/2023 : {$200.00} - Payment Date : XX/XX/2023 Amount Paid on XX/XX/2023 : {$100.00} I made these payments to the Department of Education/XXXX on the specified dates and in the respective amounts, as documented by my bank statements and confirmations from my payment method. However, to my concern, these payments have not been reported to any of the major credit reporting agencies, including [ List the Credit Reporting Agencies, e.g., Equifax, XXXX, XXXX ]. 

Furthermore, I have noticed that the Department of Education/XXXX has incorrectly charged me interest on my account balance. At the time of payment, my outstanding balance should have been {$1000.00}, and I should have had no interest due. However, the department erroneously calculated my balance at {$1300.00}, including an incorrect interest charge.

This failure to report my payments accurately and the incorrect interest charge are negatively impacting my credit score, financial standing, and the accuracy of my account balance. I have attempted to contact the Department of Education/NXXXX multiple times to resolve these issues but have not received a satisfactory response or resolution.

I believe that the Department of EducationXXXX has violated consumer protection laws and regulations by not reporting my payments accurately, and by incorrectly charging interest. I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate actions to ensure that the Department of Education/XXXX adheres to its reporting obligations and corrects the interest charge.

I am attaching copies of all relevant documentation, including proof of these payments, my account statements, and any correspondence with the Department of EducationXXXX , to support my complaint. 

I appreciate your prompt attention to this matter and request that you keep me informed of the progress and resolution of my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-13
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This is the XXXX time disputing this frivolous information on my credit report. I have sent letters certified mail XXXX different times. I have also sent om XX/XX/2020 a transcript from XXXX of our entire conversation stating THERE IS NO BANKRUPTCY ON MY CREDIT FILE. Equifax is reporting XXXX bankruptcies on my credit report. Their 3rd party verification department is XXXX. XXXX XXXX " DE ; ETED '' all the bankruptcies because they did not belong to me. Also I have spoken with XXXX and they have also disputed the information with Equifax to have it removed immediately. Equifax " refuses '' to delete the information even though i sent them proof that it has been deleted. I also spoke with XXXX a Consumer supervisor at XXXX she stated and I quote " Equifax has not requested any verification from us since XXXX of 2020, If they would have requested it the would have know there is no bankruptcy in your file. '' Why is CFPB and FTC still allowing this to happen? why are you not enforcing the law? I will again submit a copy of the XXXX report showing the deleted bankruptcy. Also I will send over the letter i just received from Equifax showing they verified it as accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
Hello, I am XXXX XXXX I have a CITI bank home depo credit card account # Account # XXXX XXXX XXXX XXXX, in XX/XX/2018 I placed a fraud freeze on my credit at the credit bureaus, Citi Bank closed my account and sent me a letter stating that the account was fraudulent, I called them and told them that it was not and never wanted the account closed, they told me nothing could be done, I made several calls to all there departments including the fraud team, I talked to customer service and set up payment at {$100.00} a month and my minimum payment is {$35.00} conf # XXXX everything has been fine until XX/XX/XXXX I called to increase my payments and the agent told me the account was closed and I could no longer make payments at all I told her that payment arrangements are already been made the agent said no payments will be made and she told me that she closed my account and draft for payments to the account, Citi bank then reported me to the credit bureaus for a late fee and that the account was a CHARGE OFF/ BAD DEBT and THAT I WAS LATE ON A PAYMENT, I HAVE NEVER BEEN LATE AND ALLWAYS PAID MORE THAN TWICE THE AMOUNT DUE, now my credit dropped 60 points on all 3 bureaus, I called them back and I was told to fax a letter to the CBR dispute dept. at fax XXXX and that was the only way that I could reach them at all, I could not call them, I have sent many letters including the latest letter that I have uploaded to this claim, every time I call they do not care to talk to me or help me at all, I never wanted the account to be closed at all I have been making payments at {$100.00} every month even though this is on my credit as a charge off for bad debt and a late payment, would you help me please, thank you for what ever can be done to fix my credit back. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx 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 2022-02-02
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have gotten two students loans in the past from two school, one I graduated for the amount of {$20000.00} from XXXX. My school closed after one year. I was making payments to Navient. I got another student loans went to XXXX school from XXXX to XXXX, but I did not finished for the amount of {$16000.00}. I started paying that as well each month. Navient later offered income driven payment as my monthly payment was very high and I could not pay. I was making payments, Total amount in the system at Navient shown I owe total of {$33000.00}. I kept making payments under income driven payment. Pandemic showed up, I was in forbearance, I still decided to pay at least {$50.00} since then. Here we go recently Navient changed to XXXX XXXX, I made copies of all my loans before they transfer. I had one student loan from XXXXXXXX XXXX XXXXXXXX college back on XXXX for the amount of {$2000.00} and that was paid fully before Navient change to XXXX XXXX 

I am now looking at Navient website and they telling me I owe them {$1400.00} something $ $ $ and the rest of my loans has been transferred to XXXX XXXX for the total of {$29000.00} something ... Before Navient change to XXXX XXXX I was told I am eligible for student forgiveness since my school closed after I graduated. I did applied for Borrower defense and sent forms to them regarding that. I can not reach out to them and nobody answer the phone, nor chat lines to see what is my status on that! I contacted Navient regarding the {$1400.00} something $ $ $ and they are telling me is a commercial loans! I never took any other loans except federal loans and I thought all my loans was what transferred to XXXX XXXX. I have balance now in Navient for {$1400.00} $ $ $ which I do not know what that is, however I made payments before transfer and I also have balance in XXXX XXXX!! Navient did not transfer this amount and telling me it's commercial loans whatever .... I do not understand what it is! They are charging me for something extra and there is no evidence of anything.. I believe they are taking advantage and now XXXX XXXX is trying to take ADVANTAGE for sure on top. So this is really confusing and nobody can explain to me why all these loans keep transferring and all these money I paid all this times, my balance never went down, except going up!!!! I need an answer. I am NOT going make any payments to NONE of these companies no more until this resolved! 

This is fraud and nobody has a good explanation. I am sure I am eligible for my loans to be cancels and it better because I am not sure what are these extra charges!! I am NOT going to pay two loan companies and apply for income base for nothing as I did paid enough to them and they owe me money now. 

Please investigate and look into this as I am sure many getting ripped off by these companies. This is fraud. 

Please Advise! 

Thanks! 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 XXXX, XXXX, AND TRANSUNION 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 ; XXXX XXXX XXXX AV XXXX, CA XXXX ; XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-07-11
Company: DISCOVER BANK
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Upon my receipt Discover 's annual year end summary XXXX, I noticed that I was being charged to separate interest rates. I had never seen this before, as I had never really reviewed any of their annual year end summaries. I filed a complaint with the Arizona Attorney General 's Office ( XX/XX/XXXX ) and Discover 's EO of Customer Advocacy, XXXX XXXX, insisted that I agreed to a promotional offer, and I did not. The matter has been an ongoing back and for rehashing of the XXXX XXXX repeating that I accepted the promotion offer, and me of course adamantly denying this fact. None the less I and still being charged 2 separate interest rates. In lieu of all of this, I have never been offered the opportunity to pay off the balance of the promotional to eliminate the need for 2 interest rates, nor am I allowed to allocate my monthly payments. I called into customer service on or about XX/XX/XXXX, to inquire as the reason for the replacement card. I was then advised that it was due to the New Chip, as my old card did not have a chip. I then asked why only one card when my spouse is an authorized user and yet only one replace card was received. The customer service representative advised that a replacement card would be sent in the name of my spouse. At this point, XXXX XXXX is claiming that I agreed to the promotional and has not provided a copy of the recorded conversation stated that I agreed to any promotional. I totally understand the fundamentals of promotional offers and from time to time I take advantage of promotional offer when it is beneficial to my needs. And this particular offer would not have been in my best interest or beneficial to me in any form. My XXXX account is attached to my Discover Card, considering that myself and spouse are constantly making purchases on XXXX. With this in mind I can not not feasibly see their alleged promo being of any benefit to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have noticed on my credit report that a 30 day late payment was reported. I would like to ask the creditor to remove the late payment because my password was released on the dark web and I was not able to get into any of my accounts. My bank accounts were all in question at the time and was locked out. I was not even able to reset password by answering the security questions..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Bank of America has frozen my visa credit card and they insist that I must drive 40 miles RT to a financial center to unfreeze my account. I am XXXX XXXX XXXX and I do not wish to drive that far in traffic to clear up a problem. 
I have online banking with BOA. BOA has partnered with XXXX and they have installed this program without my permission. Someone attempted to transfer money out of my checking account, using XXXX. But I understand the transfer did not take place. I have never used XXXX and I don't intend on ever using that service. I have no idea how the fraudster got into my bank account but I suspect my cell phone provided the path. In any case putting a freeze on my visa card is not going to cure anything, and BOA partnered with XXXX is a huge problem. BOA actually invites fraud using XXXX. It seems BOA is forcing me to change banks to one that is local because of the fraud that they have invited. Long story short, I am not driving the distance to clear this up. Our town lost our BOA center and now all I have left is an ATM in the parking lot.

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