BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are 5 accounts that I have been disputing since XX/XX/2020 I have. These accounts are not mine I have no idea who opened these or how. I have filed an FTC report I have A notarized Affidavit for Identity theft and I have written over 5 letters to the bureaus I have called them but nothing no verification no help I feel ghosted and I feel like I have to deal with someone elses doing an go thru a year of hassle for these accounts this is my last resort please help. 

XXXX XXXX XXXX  Acct # XXXXAmt {$14000.00} XXXX XXXX XXXX Acct # XXXXAmt {$3200.00} XXXX XXXX Acct # XXXXAmt {$5600.00} XXXX XXXX- Acct # XXXXAmt {$2200.00} XXXX XXXX XXXX Acct # XXXXAmt {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
According to XXXX, Experian and XXXX are furnishing the alleged Bankruptcy XXXX, negative accounts, and hard inquires to my credit report. My federally protected consumer rights are being violated by a variety of entities, including but not limited to the three main credit reporting agencies and minors such as XXXX XXXX, XXXX XXXX, and XXXX. In addition to this breach, they are also committing fraud, as these alleged companies claim to have verified and investigated this bankruptcy, negative accounts and, hard inquires, but your sources contradict their claims ( see attached documents ). I DID NOT give them neither direct nor indirect permission to furnish my information. This is unfair to me because I was never notified when this inaccurate information was provided, and I was never notified when you were going to report this information during the company 's initial investigation.These companies has ruined my reputation, and adversely affected my 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 non-monetary relief
Consumer complaint received 2018-01-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
In XXXX of 2016 I was late making my payment due to financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is a result of identity theft. I have provided the last 2 collection agencies with documentation reflecting this dispute and they ceased and desist collection activity. Now XXXX XXXX XXXX is attempting to collect the same debt even after I spoke to them advising them of the dispute and sent them documentation certified. Disputed debts like this should not be allowed to be collected on ; it is harassment and intimidating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: Ability Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Consumer received written notice from Ability Recovery Services , LLC ( " ARS '' ) demanding {$2300.00} on or about XX/XX/XXXX. In connection with the collection of a debt, ARS represented, directly or indirectly, expressly or by implication, that Consumer owed {$2300.00}. The representation was, in fact, false or was not substantiated at the time it was made. 

In XX/XX/XXXX, ARS furnished this false information to each major consumer reporting agency ( " CRA '' ). ARS communicated to third parties that Consumer was several months delinquent on a debt owed to XXXX University in the amount of {$2300.00}. ARS furnished this information post notice of inaccuracy by Consumer at the specified address for such notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I opened a student loan in XXXX 2012 for about {$4500.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$4500.00} go to {$5000.00}????

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 2018-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX I mailed a certified letter to the credit bureau disputing errors and unknown accounts that appeared on my credit file. I have waited well over 30 days for my results as informed by The Federal Reporting Act., However i never received any results or validation of these accounts. At the moment the credit bureau is in violation of the law section 601 ( a ).

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 2021-04-14
Company: Santander Consumer USA Holdings Inc.
State: NY
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:
I co-signed an Auto Loan with Santander Bank for a car. I made payments on the loan until I lost my job due to COVID-19. I contacted Santander Bank to discuss alternative payment arrangements such as a deferment, lower my monthly payments or a forbearance considering the circumstances. Santander Bank failed to work with me, charged me additional fees and made negative marks on my credit report. 

Under the CARES Act, Santander Bank may not report this auto loan as being late if I lost my job and was unable to make my monthly payments as a direct and exclusive result of COVID-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX submitting this CFPB complaint to you today as well as to the XXXX reporting Agencies to inform them tat I was a victim of identity theft and I am requesting that the Credit Bureaus Remove the following accounts completely from my Credit file. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov and file a report and Per FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and information listed on an ID Theft Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission. Please remove the following accounts : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$770.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2018-01-14
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: Account information incorrect

Complaint:
I opened a student loan in XXXX 2012 for about {$4500.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$4500.00} go to {$5000.00}????

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 2018-01-14
Company: Lendmark Financial Services
State: VA
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:
The account with Lendmark was paid in full on XX/XX/XXXX. The amount paid was {$6900.00} in the XXXX, VA office. 

The account was then reported delinquent on XX/XX/XXXX and I called the office at XXXX XXXX XXXX and spoke with the branch manager XXXX XXXX who informed me the acct is not reporting late and she did n't see it on XXXX. At that time I started a dispute with both XXXX  & XXXX. 

On XX/XX/XXXX I received notification that the account with from a derogatory status to a current status.

On XX/XX/XXXX I received notification that the account was closed.

On XX/XX/XXXX I received an alert that Lendmark was reported back on my credit file, acct opened XX/XX/XXXX. 

I did not attempt to call the office as the branch manager acted clueless about what was going on.This acct is closed and I have all the documentation but yet Lendmark keeps reporting different information to the credit bureau that is affecting my credit score. 

Please investigate this financial institution and coach them on better credit reporting. I should n't have to go thru this much headache when I close an account. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/18 I attempted to log into my Kohl 's charge account, in order to pay my bill current. I received a message " System is not available. '' I could not locate my card. I called the customer service number to gain access to my account, and was told I could not have access to SEE my billings or to verify what I owed until I brought my account current. I have a right to SEE my bill, before I pay. They refused to allow me access to my billing account. I then asked what I owed to bring my account current. The amount stated was {$110.00} questioned that amount several times, stating I didn't want to make a payment not yet due, just the amount to bring the account current TODAY. Kohl 's employee refused to tell me the truth stating that I had to pay amounts due on XX/XX/18 in order to be current today. I sated that was erroneous, and he refused to give me the correct information. He also stated that the federal credit and collection laws do not apply to Kohl 's. I asked for a manager, ) who eventually gave me the information I asked for, {$62.00} was due to be current today. I asked for the identifying information of both employees. Kohl 's repeatedly calls my phone, without leaving messages, sometimes calling back immediately, when it goes to voicemail. I have asked them MANY times to not call repeatedly, to leave a message, and informed them that I can not take calls during work. Yet they refuse to stop their harassment. They use misleading and false representations of amounts due, harassment, and continue to illegally call people who are at work when asked to stop. I was behind in payments due to XXXX XXXX, and was making every attempt to become current, and they blocked me from doing so, as well as refused my right to see my statements and account billings.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: Specialized Loan Servicing Holdings LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Sls mortgage company claims that they used my escro funds to apply towards my payoff. XXXX XXXX asked for a payoff and SLS mortgage used {$890.00} of my escrow funds o apply towards the payoff. This doesnt make sense. I was owed {$1200.00} and they deducted the difference without any itemized break down. Important note : SLS mortgage also charged me a late fee of {$35.00} which was deducted from escrow. I have 16 grace period days to pay. I was not late. This is unethical and bad business practices on their part to steal {$35.00} from me. I was never late. They received there payoff on time before the XXXX day of 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 2020-06-01
Company: PNC Bank N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I tried to donate to The XXXX XXXX to help bail protestors in DC out of jail. I got a notice when I tried that said " PNC has made a change that prevents you from being able to link accounts ''. I'd like to be able to donate to this fund ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Kriya Capital, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My service with XXXX XXXX  was on a monthly basis and no penalty if I left. I cancel my service and switch from XXXX XXXX to XXXX XXXX a few years back. 
Later I saw a collection placed on my credit report on XXXX for XXXX dollars to XXXX XXXX from XXXX XXXX back on XXXX XXXX, XXXX. I disputed with XXXX  and was deleted-report number XXXX date generated XXXX XXXX, XXXX XXXX XXXX placed again the same collection on my credit report at XXXX on XX/XX/XXXX for XXXX dollars-original creditor again XXXX XXXX. I disputed again with XXXX and it was removed from my credit report- Report number XXXX. Date generated XX/XX/XXXX XXXX On XX/XX/XXXX Credence Resource Management placed for collection on my credit report at XXXX the same collection bill from XXXX XXXX that XXXX XXXX had try before, this time for the amount of XXXX dollars-Original Creditor XXXX XXXX. I disputed with XXXX and it was deletedXXXX Report number XXXXDate generated : XX/XX/XXXX. 
A month ago I found out that the same collection bill from Credence Resource Management was placed for collection on my credit report at XXXX  back on XX/XX/XXXX. original creditor XXXX XXXX-amount XXXX dollars. 
Around XX/XX/XXXX I filed a dispute with XXXX. The collection was not remove from my credit report and I don't know why. 
I have filed on XX/XX/XXXX a second dispute with XXXX but this time I want a mediator to oversee my dispute because this is an unlawful attempt to collect money I don't owe and it is damaging my credit score put out by XXXX and my credit. 
The collection reports from Credence Resource Management placed on my credit report has been deleted from the other report agencies because of the unlawful attempt from XXXX XXXX  to collect money I don't owe. It is the same alleged bill owe. 
On XXXX and XXXX the collection placed on my credit report from XXXX XXXX was deleted from my credit report at XXXX, so was on XXXX the collection placed by Credence Resource Management-DELETED-, it was the results of the investigation done by XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-14
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I hired home depot to do a kitchen remodel. It was supposed to be a three day job starting XX/XX/XXXX and ending XX/XX/XXXX. As of today XX/XX/XXXX over two months later, the job is still not complete and I get no solid answers from Customer service. Only lie after lie from the back office. I have asked for a refund and my requests have gone on def ears. Please help get me a refund for the job that has not been completed in over two months so i can move on and have someone else complete the work. I get the credit card bill each month and pay for a service that has not been completed!!

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: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Upon reviewing my current credit report from your bureau, I came across the disputed items, and I don't think they are 100 % correct. Please investigate and correct the unlawful behavior immediately. 
Below are the list of the Items : ( XXXX XXXX XXXX XXXX ***** Opened XX/XX/XXXX Balance {$1700.00} ) This account is in fact registered as a charged off account ; I highly recommend you make me aware the actual reason why there is a balance detailing on the file whether it is a charge off? The account balance is in fact erroneous, please make sure you turn it to 0 or remove the item absolutely. Please also furnish documentation to confirm all the charges and credits with this assumed account that led to the maximum credit figure you might have showing on my document. My request to render these records is seen as a standard information inquiry based on my rights given from the fair credit billing act. If you can't provide these details per my civil rights request, give pleasure to straightaway eliminate this kind of incorrect entry. 
( XXXX XXXX  ***** XXXX XXXX, XXXX Balance {$0.00} ) Evaluate this reporting by making a revision of the information provided. There is an existing balance on the account, and indicates that it was a charge off account? Modify and perform any corrections or withdraw this from my personal file. 
( XXXXXXXX XXXX ( XXXX XXXXXXXX XXXX ) XXXX Opened XX/XX/XXXX Balance {$3400.00} ) This company is attempting to collect on an out of statute debt. This is against the law, per the Fair Debt Collection Practices Act. Perhaps that doesnt matter to you, but it matters to me. In addition, this company has chosen to illegally add fees, clearly in noncompliance with the Fair Debt Collection Practices Act. Please provide proof that this account belongs to me along with documentation stating your FCC clearance and that you have not abrogated my rights in reporting this debt

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 2017-12-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery are trying to collect a debt from me but it is not mine. I never owed anything to XXXX XXXX. I called both and they could n't verify that it is actually mine, no address or ID or anything that indicates it belongs to me. 
I asked them to remove and they agreed but yet to happen. 
I need to take a mortgage and they are reporting false item on my report credit and therefore I 'm stuck, loosing money and my house ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-14
Company: EQUIFAX, INC.
State: OH
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:
To Whom it may concern XXXX XXXX XXXX # XXXX this is the 3rd time I have a complaint that this is not my account my name is not XXXX XXXX the DOB and SS # on this account does not belong to me. Please delete this account from my file and remove it from your database. I do not have XXXX XXXX ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: CITIBANK, N.A.
State: VA
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:
Citi Bank approved a Flex loan for me via my AT & T Universal Credit Card issued by Citi. The funds were approved and wired to my bank XXXX, but to a wrong account which Citi failed to disclose to my bank or myself in XX/XX/XXXX. 

After many telephone calls, conference calls and requests by XXXX and myself to Citi personnel, the funds were located and transmitted to my account on XX/XX/XXXX. I was told by Citi on XXXX XXXX that the payments due for XX/XX/XXXX and XX/XX/XXXX would not be posted as late and there would be no negative reporting to my credit report. On XX/XX/XXXX XXXX  alerted me to a XXXX point drop of my credit. From XXXX to XXXX. I immediately called Citi who assured me this would not happen and of course they danced and gave excuses. 

I have escalated this to the CEO of Citi with no response. It has been recently reported Citi has sent money to wrong account as a result of bad IT systems. It is reported this week they sent {$900.00} XXXX in error to wrong accounts forcing their CEO to retire early.

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