BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-07
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: Information belongs to someone else

Complaint:
As of XX/XX/2021, Experian and XXXX  are currently reporting an fraudulent account from XXXX XXXX  that is adversely affecting my credit score. This account is not mine and no information has been furnished to me upon request. I was a victim of fraud previously and as a result placed a lock on credit file.

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 2020-05-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am still being affected by covid 19 and can not pay this bill. I have.been a customer for 23 years and I need help. Please give me another payment waiver.

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 2015-05-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Experian refuses to investigate disputes on ALL tradelines in my credit report with them. A prior investigation was completed, but was not to my satisfaction. I requested re-investigation and to provide the manner in which investigation was done, as well as the information received that was used to verify. Neither request was honored. I have proof and documentation that the information being reported is incorrect, but I refuse to furnish it to a credit reporting agency to used against me. In addition, they refuse to provide me with any additional access to my credit report, even after adverse action less than 30 days prior. This is all in direct violation of many FCRA, Texas Finance Code, and Texas Business and Commerce Code statutes. An attorney on retainer has been given all documentation and correspondence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I discovered in XXXX the following collection on my account : RASH CURTIS & ASSOCIATES Account # XXXX Collection opened XXXX XXXX, 2020 Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/2020 {$560.00} I called Rash Curtis believing that this was an overcharge on another Medical Bill I had made arrangements. After further investigation I found out this had to do with Medical Identity Theft fraud in which someone who stolen our identity information 5 years ago had been using periodically. I disputed the account on my credit bureau and provided the police report and they still refuse to remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I called FAMS about my payments after speaking with Department of Eduaction and them telling me that FAMS is a fraudulent company. I asked Dept of Ed. to stay on the line while I called FAMS. When we called the representative from FAMS was very hostile when I explained I wanted to get answers regarding my account and was belligerent with Dept of Ed. rep. Dept of Ed told me to contact XXXX and told me this company probably was not reputable and to do further investigation. I called with XXXX who said they hadnt heard of company so again I asked if they would call on the line with me and received the same hostile response from representative when XXXX asked them about my account. After further investigation I found my account was with the defaulted private section of XXXX. FAMS was of no help with this they simply screamed I needed to settle the account when I tried to resolve if they were a reputable company Ive been paying. Both representatives from XXXX and Dept of Educatin were just as appalled as I was after the conversations were derailed into FAMS being unprofessional with answering simple questions about my account.

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 2021-06-07
Company: Sequium Asset Solutions, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hi, I didn't receive any bill or collection from this company and suddenly they put it on my credit report, as a result of this, i had to pay the collection company the money i owed, {$9.00}. Also notified them i didn't get a call or letter. 
The name of the collection is Sequium Asset Solutions LLC Account was Opened XX/XX/2021 Account closed XX/XX/2021 2021

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
The following accounts have errors and experian will not investigate them. I have contacted the creditor with no response at all. 
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 non-monetary relief
Consumer complaint received 2018-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2016, hard inquiry listed on credit report without knowledge ( XXXX XXXX ) XX/XX/2016, hard inquiry listed on credit report without knowledge ( XXXX XXXX ) XX/XX/2016, hard inquiry listed on credit report without knowledge ( XXXX XXXX ) I checked my credit report and did not give my permission for hard inquires from any of these companies

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 2018-05-17
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: Information belongs to someone else

Complaint:
I have a collection account being reported on my credit reports by XXXX XXXX. I sent XXXX XXXX a letter and mailed it certified letter return receipt # XXXX on XX/XX/XXXX, which they received and signed for on XX/XX/XXXX. To date, XXXX XXXX has not responded to my written request nor provided me with any validation for alleged debt. I have been forced to file an Identity Theft Report - Report # XXXX with the Federal Trade Commission because XXXX XXXX is reporting this false debt on my credit reports and has not complied with the law regarding The Fair Credit Reporting Act.

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 2021-01-21
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:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: ALLY FINANCIAL INC.
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Ally Invest will not allow me to withdraw my money from my Ally Invest account to my Ally Savings account for no reason.

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 2020-10-14
Company: VW Credit
State: CO
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 have a late payment on my account because i attempted to pay it online repeatedly and they kept kicking me off the site because of technical issues. I attempted to make my payment by using my phone and a computer and it locked me out. I then tried calling but was on hold forever to the point that i think it was a false number. By the time i had time to make the payment the payment was late even though i emailed the company to please assist me.They also never called or sent me a bill in the mail so i had no other way of paying it. I have tried repeatedly to have the company remove the late pay history since its my only one with this account and it effecting my ability to get a good interest rate on a home. I have also contacted the credit bureas but have not gotten the results i had hoped for there either. Please assist me in helping get this removed as it was not my fault. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I called transunion XXXX XXXX, 2017 and spoke with a representative. I received a letter earlier this year about a security breach I did n't think anything of it until all of these inquiries started popping up on my credit report. The representative stated that they would not be able to assist me as I will need to wait the 2 year period for them to fall off. I have not applied for any form of credit and should not be held accountable for things like this

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 2020-10-14
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: Information belongs to someone else

Complaint:
Hey I noticed a bunch of hard inquires on my credit report that is an accurate i have send over 2 pictures of them so you guys can see. I got a total of 8 hard pulls 4 from XXXX  and 4 from XXXX i have sent the you the pictures below they are all inaccurate. I would like them all removed from both companies listed above, experian and any other credit reporting service. If you have any questions please call me. I did apply for any of these things or deal with these companies. I just want to fix up my credit so it is accurate thank you

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 2019-01-17
Company: Navient Solutions, LLC.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XX/XX/2019, approx XXXX XXXX PST. 

" XXXX '' contacted my mother, stating the call was about an investment I had made. Left callback number XXXX. Internet sources indicate this is XXXX XXXX XXXX, and that they have a history of illegally calling debtors ' relatives and employers and misrepresenting the nature of the call. 

My mother is not a party to any debts I may have.

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 2018-05-17
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Bank is taking money from people without them knowing. I paid for unlimited plan but got put on pay as you go. So instead of 5 a month in fees. I have been paying XXXX per debit and XXXX pre credit transaction. Called and complained was refunded XXXX dollars for the past 2 days. Saying they were wrong, but if so why can I not get the rest that is owed

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 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT FILE. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS HAVE BEEN OBTAINED BY AN INDIVIDUAL WHO WAS ABLE TO GAIN ACCESS TO MY PERSONAL INFORMATION. THIS SITUATION IS BEYOND MY CONTROL. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
This is the third time I've had an issue with applying for bank account or credit card ( over a 10 year period ). Nearly 10 years ago we had major problems filing with XXXX XXXX for both our Bank Account and our Credit card. This year we moved to a regional XXXX   XXXX and we experienced problems with setting up the bank account. On Friday XX/XX/XXXX we went to the bank to get a credit card. We had all of our paperwork in order. We provided the Denominations letter of 501c3 status from the IRS. We had our subordinates letter from the XXXX XXXX XXXX. We were told this was not the proper information - but it is. I checked with other pastors - this is a routine problem. Either is is a form of systemic anti church bias or it is a systemic lack of training across many banks and credit institutions. I discussed this with my sister who is a Bank Trainer. She compared our treatment to a local Girl Scout troop. A church is not a girl scout troop. My 173 year old congregation should not be put through this kind of challenge every time we try to institute a banking relationship. We have outlasted 4 banks in our lifetime we have only changed banks this one time due to dissatisfaction with the bank. I talked to our denominational leaders and they also have had trouble trying to resolve this issue. Lastly I called the IRS and nobody answered my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX reported debt to credit bureau on XX/XX/XXXX for account XXXX, I called this Company sent out Debt validation dispute letters on XX/XX/XXXX and XX/XX/XXXX still haven't been able to resolve this fraudulent matter. I also filled out a Affidavit of Fraud that was mailed by the Company along with my ID, social security card, lease, XXXX  bill, voters registration and other information for proof and still no resolution. Please help any assistance would be greatly appreciated because this Company would not give me anything. I was told 3 times I would be contacted by a Supervisor and sent something by mail but it has been over 30 days still nothing.

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 2020-09-16
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
I purchased 2 money orders in the amount of {$500.00} each. I sent in all the information requested to reissue a refund check to me. The problem is this company is telling me that they don't have my information after 30 days. I sent the information in via Priority Mail by the USPS. I have the tracking number which is XXXX. It was delivered on XX/XX/2020 @ XXXX XXXX. Can someone of higher authority please help me track where my money is I truly need my refund!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: EQUIFAX, INC.
State: GA
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:
Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. This FCRA requirement is not always practiced. Equifax deleted XXXX XXXX XXXX Account between XX/XX/XXXX and XX/XX/XXXX and then reinserted it without notifying me ... then between XX/XX/XXXX and XX/XX/XXXX they removed the negative remarks, but then reinserted it again without notifying me once again ... this is against FCRA law ... I disputed the incorrect info on my report and they removed, but put it back on report illegally ... I want it completely removed, and possible compensation for violation of law and my rights ... and I am yet to get anything in writing about investigation ... instead I have seen everything on-line in which I did not consent to on-line results ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX a notice of settlement was received from Midland Credit Management advising " This is a attempt to collect a debt and any information obtained will be used for that purpose. '' The letter stated this account had a charge off date of XX/XX/XXXX. 

On XX/XX/XXXX a debt validation letter was sent to Midland Credit Management in an attempt to confirm proof that they own the alleged debt. tracking number XXXX XXXX XXXX XXXX XXXX. To which the collection agency never responded. 

All 3 bureaus list alleged " XXXX '' account as closed and collection/chargeoff. 

Then on XX/XX/XXXX, XXXX dispute results were received and there was an observation that on XX/XX/XXXX " XXXX XXXX XXXX '' initiated a soft inquiry on credit report and also on XX/XX/XXXX there was another soft inquiry from " XXXX ''. It should also be noted at time of inquiry neither " XXXX '' or " XXXX XXXX XXXX '' had any open accounts listed on credit report. 

On XX/XX/XXXX a letter was received from XXXX that stated " This account has been assigned to XXXX XXXX ''. How can an account be assigned to a company that has already closed and charged off said account? 

How can there be an inquiry on consumer 's credit report when the closing and charge off of account thus ended any business relationship? This egregious action has caused consumer harmed and has clearly violated FCRA 616 ( a ) ( 1 ) ( A ) + ( B ) Civil liability for willful noncompliance as report was obtained under false pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: EQUIFAX, 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:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After review of my credit report I found that LVNV is reporting an alleged debt of {$600.00}. I mailed two letters requesting further information on this debt and their authorization to collect. This company has ignored all of my requests. As of this moment I have not received any further correspondence from them.

Company response to consumer: Closed with explanation