BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-16
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:
Over the years I have been financially unable to repay this loan. My income tax refunds have been taken from me twice in the amounts totaling between 12 and 13K all together. Once in for the XX/XX/XXXX tax yr and once for the XX/XX/XXXX tax year. The moneys that was withheld was not applied to my student loans according to my credit reports, even though I was told by the IRS this was the reason I never received my refunds. My question is where is the money that was taken from me supposedly for this loan. Why is the loan on my credit reports multiple times totaling the same amount as day one as if they have received nothing. I can not get any loans, credit cards, or apply for a mortgage because this continues to hang over my head. It has literally been years and I am asking for help removing these inaccurate numbers from all my credit reports immediately. The credit reporting agencies have not verified any of this info to be true by sending me the original loan records minus the tax refund dollars. There for under the law they must remove the false information.

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 2018-01-16
Company: EQUIFAX, 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:
Over the years I have been financially unable to repay this loan. My income tax refunds have been taken from me twice in the amounts totaling between 12 and 13K all together. Once in for the XX/XX/XXXXtax yr and once for the XX/XX/XXXX tax year. The moneys that was withheld was not applied to my student loans according to my credit reports, even though I was told by the IRS this was the reason I never received my refunds. My question is where is the money that was taken from me supposedly for this loan. Why is the loan on my credit reports multiple times totaling the same amount as day one as if they have received nothing. I can not get any loans, credit cards, or apply for a mortgage because this continues to hang over my head. It has literally been years and I am asking for help removing these inaccurate numbers from all my credit reports immediately. The credit reporting agencies have not verified any of this info to be true by sending me the original loan records minus the tax refund dollars. There for under the law they must remove the false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: ENOVA INTERNATIONAL, INC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I have been trying to work with this company to repay my debt. I attempted to stop the XXXX withdrawal from my account this Friday ( XXXX ). My response was : I am sorry for any inconvenience, once a payment arrangement is scheduled, it is unable to be changed or canceled for any reason. The payments will have to be debited from your account as previously agreed. 

Since, I have reviewed the ACH section of the loan contract, and it does not provide instructions for stopping an ACH withdrawal, which now has me questioning the validity of this contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: Experian Information Solutions Inc.
State: ID
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 have submitted multiply request asking them to remove XXXX XXXX  they have 6 accounts that do n't. Belong to me Please help remove this incorrect information

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 2018-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Over the years I have been financially unable to repay this loan. My income tax refunds have been taken from me twice in the amounts totaling between 12 and 13K all together. Once in for the XX/XX/XXXX tax yr and once for the XX/XX/XXXX tax year. The moneys that was withheld was not applied to my student loans according to my credit reports, even though I was told by the IRS this was the reason I never received my refunds. My question is where is the money that was taken from me supposedly for this loan. Why is the loan on my credit reports multiple times totaling the same amount as day one as if they have received nothing. I can not get any loans, credit cards, or apply for a mortgage because this continues to hang over my head. It has literally been years and I am asking for help removing these inaccurate numbers from all my credit reports immediately. The credit reporting agencies have not verified any of this info to be true by sending me the original loan records minus the tax refund dollars. There for under the law they must remove the false information.

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 2021-02-18
Company: National Credit Adjusters, LLC
State: NY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NATIONAL CREDIT ADJUSTERS XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX The original creditor XXXX  XXXX, sold the debt to a collection agency named National Credit Adjusters, at the statute date of limitations which is 6 years in the state of Tennessee on or before XX/XX/XXXX to collect a closed debt on a resident of New York state. 

Payday loans are illegal in New York State. It is a violation of New York State law to make payday loans in-person, by telephone, or over the Internet. It is also illegal for a debt collector to collect, or attempt to collect, on a payday loan from a resident of New York State. 

According to fair credit reporting practices, a debt collection agency can not report an active balance owed with missed payments on an account that is closed or charged off as open and delinquent. 

National Credit Adjusters has flagged my account as Collections on XX/XX/XXXX Balance {$460.00} Original Creditor XXXX XXXX Opened XX/XX/XXXX Account Status Open Account Date Closed Date of First Delinquency XX/XX/XXXX Under the Fair Debt Collection Practices Act ( FDCPA ). I requested a debt validation, in writing to National Credit Adjusters in XXXX of XXXX and asked to be provided with : Documentation that I owed the debt at some point, such as a contract signed with my valid signature. 

Documentation of any payments made with dates including month and year and the last outstanding action on the debt. 

Documentation regarding the statute of limitations for collection of such a debt in the state of Tennessee after the statute of limitations has passed and account closed. 

Documentation regarding what authority the collections agency has, such as a license in my state of New York to collect a debt as it is classified as a predatory attempt at debt collection which is illegal in New York State as attempting to collect the debt itself from a resident of New York State for a loan which classified as predatory and is illegal in the State of New York. 

National Credit Adjusters replied stating only that the loan was taken out in Tennessee and not New York. Provided none of the documentation requested. Had no legal right to collect such a debt and removed it lawfully from my credit report as requested in XXXX. 

However National Credit Adjusters has flagged my account again for the same debt as Collections on XX/XX/XXXX Balance {$460.00} Original Creditor XXXX  XXXX  Opened XX/XX/XXXX Account Status Open Account Date Closed Date of First Delinquency XX/XX/XXXX Payment Delinquency 24 Months

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: CITIBANK, N.A.
State: TX
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 have had my Citi charge card for many years and not had a balance for more than five years. I keep in in the event of an emergency. I have been paying an annual fee to hang on tot the card as well. Earlier this year i discovered i missed the notice for the annual fee as i receive so many solicitation offers from Citi in the mail. Upon discovering i reached out to Citi and they let me pay and told me they would waive the late fee and would not be reported on my credit. Thought the matter was resolved. SInce then i have been charged late fees and interest on a late fee to the total currently of {$280.00} in fees and {$13.00} in interest for zero purchases. This includes the fact that the annual fee was paid so i am paying late fees and interest on nothing more that a late fee that they told me over the phone would be waived when i paid the fee and was not 30 days late so would not reflect adversely on my credit. In addition to this it REFLECTING ON MY CREDIT ADVERSELY. This is the only late reflecting on my credit and has made a drastic difference on my credit score. I discovered this when applying for a mortgage and being quoted a rate. I have reached out a number of times to Citi and spoken with their customer service as well as escalating it to their management with no success. I feel like the fees are excessive and the practices are unethical as well as deceptive. My hope and ask would be that the fee has been paid by me so that the late fees, interest, and charges as well as removal of the late dates reflecting and impacting my consumer credit report. I am open and willing to have a conversation with the CFPB, Citi, or anyone else pertinent to this matter at any time. thank you in advance for your cooperation. 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 monetary relief
Consumer complaint received 2017-10-13
Company: SUNTRUST BANKS, INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a new account with XXXX approx 3 weeks ago. On XX/XX/XXXX, I deposited a check for {$1000.00} into the new account, which was the majority of the funds in my old account. The following day, I decided to go ahead and write a check for the remaining balance in my old account and deposited it to my new ST account, for approx {$160.00}. The following week, the {$1000.00} cleared my old account but was placed on hold with ST. Days passed and it was still on hold. At that point, I had several automatic bill payments come out of my old bank account. I did not switch these auto pays to my new account because the funds still were not available and I did n't want my new account to become overdrawn. I also could n't cancel the autopays because payments were due and pending. So, when ST went to collect my 2nd deposit of approx {$160.00}, the check was returned NSF. As a result , ST froze my account and put it under investigation, restricting me access to any of my funds. I now have no money in my old account and ca n't access any money in my new account. This has been the case since about XX/XX/XXXX or XX/XX/XXXX. No one at SunTrust will tell me what is going on or when I can access my funds. They wo n't even tell me anything I can do to help. I have n't had any funds since XX/XX/XXXX when my check cleared the old account and was placed on hold with SunTrust. Any direct deposits into ST are instantly unavailable to me. I do n't even know my account balance. Meanwhile, my old account continues to be overdrawn and accumulate overdraft fees because I ca n't withdraw my money from SunTrust in order to bring the account to positive. I ca n't pay rent, but food, gas or dog food. They wo n't tell me what is going on or when I 'll have any of my money. I do n't know what to do. I did n't even get notification of an extended hold on my XX/XX/XXXX deposit until I received the notice in the mail on XX/XX/XXXX, 6 days after the deposit. The letter even states that I was not notified of the hold at the time of deposit. They are holding my money XXXX and now I 'm suffering because of it. By the end, I 'll probably have all my funds depleted due to the massive amount of overdraft fees being charged to my old account because I have no way to rectify it. Please help me.

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 2019-07-18
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recieved debt collection letter from Southwest Credit from XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX. The letter stated that I owed a debt principal for a XXXX I count which I do not have. I called them and gave them a peice of my mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Receivable Solutions, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company did nit validate the debt. The sent me a list with my medical procedures which is a violation on HIPPA! Not to mention that is NOT my signature on the documents. I tried to handle this the correct way, but I will have my attorney involved. Not only are they in violation of HIPPA, but falsley signing documents is a criminal offense. I want this removed off my credit immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: BB&T CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
After falling behind in my payments, Regional Acceptance Corporation hacked into my telephone contacts and social media contacts. They contacted multiple contacts including ex husband and current boyfriend 's family and advised them that I was not making my payments and that they needed to contact me and have me call the office.

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 2022-01-11
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/2021 I made a charge of {$15.00} on my XXXX beauty card. I updated my address and never received a statement. I tried to pay online but website was down several times. I called again to make a payment but there was a phone assist fee of XXXX. When I was finally able to get my payment made on the website I was charged a late fee. 
I made the payment including the late fee and the following statement in XX/XX/2021 I noticed an additional late fee of {$15.00} charged to my account. when I tried to make the payment again the website was down. I have been charged a total of two late fees which are of no fault of mine. This company is treating me unfairly and purposely trying to not allow me to make payments so it can charge fees. They are unwilling to assist when you call or refund the fee and hang up on you when you want to close the account. I want this account closed and I want my fees refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-14
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I paid off my house XX/XX/2021 And I have yet to receive my escrow refund monies in their entirety. 
They keep telling me that 'the check is in the mail '

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: EQUIFAX, INC.
State: NY
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 My name Is XXXX. I have been a victim of fraud as I did authorize a lot of things being shown on my account. I have tried calling XXXX countless times as well as the credit card companies themselves and they just don't seem to get it. 

I was unaware as nothing was being send to my address. I don't know if a person was using my old information. All I know is I have been building my credit and it's saying I have all these Inquiry 's that I never did. I am unaware of. I never authorized. 

I am hoping that you guys can remove the following credit inquiry 's from my report as soon as possible as a courtesy as I am a victim. I have no problem proving who I am. I just want this fixed as you can understand it is hurting my credit. I have done nothing wrong. 

On XXXX It Is Saying I applied for XXXX/XXXX  on XX/XX/XXXX and XXXX/XXXX XXXX on XX/XX/XXXX both are fraud and I never signed or authorized anything. 

On Equifax It Is Saying I applied For XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX all of which I have no idea and did not authorize anyone to make any inquiry 's. I have never seen these cards. Someone Is/Was trying to steal my information. I have sent an attachment of all the inaccurate information that I can see on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: Security Credit Services, LLC
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 status incorrect

Complaint:
Original complaint XXXX, this was not taken care of at all. In fact the phone number listed does not work. Today we found out that Why Not Lease aka XXXX sold this debt to Security Credit and that was done on XXXX XXXX 2017. Now we received a debt letter which we received the XX/XX/XXXX, we had no idea what this was for so set a validation letter which was sent XX/XX/XXXX by certified mail, again nothing has been received at all. 
Today I woke up to Security Credit being added to my credit report ( XXXX and XXXX at the moment ) and has dropped my score significantly and I was set to buy a home. The agency that is servicing this for Security Credit is XXXX XXXX where the letter was sent to, when I called them today they confirmed they did get the validation letter and they have the response ready to be mailed but have not yet ( XX/XX/XXXX )  however someone placed this on my credit when I asked for validation. 

Also this debt which is not valid at all and was sold illegally to another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Chime Financial Inc
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
XX/XX/2021 - received a Chime VISA debit card that I did not apply for. Card arrived via USPS only needing activation. I did not activate the card and attempted to contact Chime via phone, without success. I could not reach an employee, only automated messages. Prompts kept asking me to activate the card which I did not do.

I attempted to contact Chime via multiple emails, asking the account to be removed, but they would not call me and would not take any action without me providing personal information ( 4 of SSN and photo ID ) which I refused to do.

I assume this is a fraudulent application in my name resulting in a VISA debit card, which I did not request nor apply for, being mailed to my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: Experian Information Solutions Inc.
State: NY
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 My name Is XXXX. I have been a victim of fraud as I did authorize a lot of things being shown on my account. I have tried calling Experian countless times as well as the credit card companies themselves and they just don't seem to get it. 

I was unaware as nothing was being send to my address. I don't know if a person was using my old information. All I know is I have been building my credit and it's saying I have all these Inquiry 's that I never did. I am unaware of. I never authorized. 

I am hoping that you guys can remove the following credit inquiry 's from my report as soon as possible as a courtesy as I am a victim. I have no problem proving who I am. I just want this fixed as you can understand it is hurting my credit. I have done nothing wrong. 

On XXXX It Is Saying I applied for XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX both are fraud and I never signed or authorized anything. 

On XXXX It Is Saying I applied For XXXXl XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX Bank XX/XX/XXXX, XXXX Bank XX/XX/XXXX all of which I have no idea and did not authorize anyone to make any inquiry 's. I have never seen these cards. Someone Is/Was trying to steal my information. I have sent an attachment of all the inaccurate information that I can see on my report.

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 2019-04-02
Company: ZARVAD III S.A.
State: WA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX XXXX XXXX The following number has called me on XX/XX/19 and XX/XX/19. They have also called my brother and sister leaving voicemails for me with personal information after I have told them I should be the only person contacted. They also havent provided anything in writing for me to confirm this debt or even who they are. XXXX is the woman that keeps leaving voicemails.

Company response to consumer: Closed with explanation