BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-18
Company: CNG FINANCIAL CORPORATION
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
During my conversation with an Associate ( XXXX ) with XXXX ; I had requested to defer one payment on my Installment Loan ( # XXXX, Monthly Payment of {$270.00} ) to the end of my Loan ( XXXX, 2019 ) ; due to the fact I lost my job. 

Consequently, I was told by the Associate they couldn't honor my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Federal Adjustment Bureau, Inc.
State: OH
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:
FABCO submitted over 2 years ( XXXX XXXX XXXX ) of late payments on a debt collection attempt we were never notified of. I found out about the " debt '' in XX/XX/XXXX after looking at my credit score and submitted a dispute with the credit bureau. FABCO only ever notified us XX/XX/XXXX because of the dispute. We have since asked for them to remove it from my credit score at least from XX/XX/XXXX until XX/XX/XXXX when we were actually sent it. We have been unable to get some sufficient pictures or statements from FABCO/XXXX  to prove the debt and have instead received information we know is false, so I would like it to be completely removed unless they can prove the charges valid with actual receipts instead of made up internal " statemnets '' and pictures of the damages, not blurry black and white close ups that can't be identified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
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:
Citizens Bank initiated a hard pull of my XXXX  credit report on XX/XX/2020 without my consent. I'd previously applied for a HELOC with them in XX/XX/2020, but never went through with the loan. I hadn't heard from them in months and had decided to not get a HELOC. Then they pulled my credit after 5 months of silence for no reason and without my consent. 

Please remove this inquiry from my credit report, delete my HELOC application and delete my personal information from your systems. I'm currently in the process of applying for a mortgage on a new property and this inquiry could jeopardize the purchase. I'm extremely upset and if this is not cleared up immediately, I will suffer real damages as a result. 

If necessary, I will also file a complaint with the FTC and the RI Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: EQUIFAX, INC.
State: WI
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:
I originally filed bankruptcy in XXXX under chapter XXXX and discharged under chapter XXXX in XXXX. Bankruptcy law stipulates you can only file chapter XXXX in Wisconsin once every 8 years. Credit reporting is showing I filed and twice in the same year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I send numerous letter to this company. I told them I dont owe this debt. Ive spoken to several representatives and they refuse to compile by the law. I want the to remove this account from my credit. I dont owe this debt and they are not the original creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
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: Information belongs to someone else

Complaint:
I have filed several complaints with the three credit bureaus. Upon filing those complaints I noticed that they have failed to take action and remove the fraudulent accounts that are on my report. I am a victim of identity theft and I need the accounts fraudulent accounts removed immediately.

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 2019-09-06
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX and Experian are incorrectly reporting a collection of {$5000.00} on XXXX XXXX XXXX partial account number XXXX. ( Please see page 12 of the attached credit reports. ) In XXXX, XXXX my fathers basement flooded. I have attached copies of the revised claim dated XXXX. I had power of attorney and when the basement of his home flooded I signed the documents on his behalf. ( Please see attached. ) This account belongs to my now deceased father, who has since passed away. XXXX XXXX XXXX XXXX XXXX Colorado sent Invoice Number XXXX, dated XXXX in the amount of {$5900.00}. ( Please see attached. ) XXXX distributed several checks via electronic funds in the amount of {$600.00} on XXXX ; {$2500.00} on XXXX ; {$2800.00} on XXXX, and {$99000.00} on XXXX. ( Please see attached. ) The total dollar amount of checks that were distributed from XXXX was {$7000.00}. These insurance reimbursement checks covered more than the balance due and therefore there is no outstanding balance to collect. In addition, as I stated above, this account does not belong to me. This incorrect reporting of a collection on my credit report is harming my credit score.  These line items need to be removed from my credit 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 2020-05-12
Company: TCF NATIONAL BANK
State: AR
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: Other problem getting your report or credit score

Complaint:
XXXX FILED BK RECENTLY AND SETTLED A CLAIM FROM OUR BK XXXX FOR $ XXXX, ALL OTHER TRADELINES INCLUDING XXXX MUST NOW DO THE SAME.XXXX, XXXX XXXX  XXXX WAS FRAUDULENT MORTGAE SERVICERS AS YOU WELL NO.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
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:
REFUSAL TO PROPERLY INVESTIGATE

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 2018-02-21
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear XXXX XXXX XXXX, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2017. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information to you.

Cease any credit bureau reporting until the debt has been validated by me.

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I entered into my bill pay at Bank of America the following payments : XXXX XXXX, TX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Bank of America misdirected the payments to 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 monetary relief
Consumer complaint received 2018-11-26
Company: ID Analytics, 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: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.My name is XXXX XXXX My address is XXXX XXXX XXXX, XXXX, OH XXXX My DOB XXXX SS XXXX. I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: Innovis
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: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.My name is XXXX XXXX My address is XXXX XXXX XXXX, XXXX, OH XXXX My DOB XXXX SS XXXX. I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
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:
I was recently on my XXXX XXXX and noticed 2 things I feel are Inaccurate. XXXX Bank is giving me 2 hard Inquiries on XX/XX/19 and XX/XX/19. I don't know if my social security # was ran a few times due to fraud. I am pretty confident I did not authorize backround checks twice in the same month. I called XXXX cards and asked them to remove these hard pulls or under the fair credit act to show me the proof of me signing something allowing them to run my credit under a hard pull twice In the same month. I feel this is inaccurate and am looking for both to be removed from my 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 2019-09-06
Company: Experian Information Solutions 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:
I am a victim of identity theft. I have been getting calls and letters for credit accounts that I did not authorize. Some criminal has used my personal information to open credit accounts that I did not authorize. To open these fraudulent accounts banks accessed my credit profile and created unauthorized inquiries on my credit report that further defiles my credit profile. This criminal activity has caused me and my family extreme anguish as we try to rectify this situation.

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 2018-05-18
Company: GLA Collection Company, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
this company has been passing this debt back and forth between a collection agency and itself. It has been hard for me to keep up with who has this debt. They continually harass me and will not remove it from my credit report. After requesting validation from them, they sent me an old medical file with part of my medical chart on it. I sent them a certified letter stating that they violated the HIPPA and they responded with a dispute on my credit report. I believe they are not ever going to remove this from my credit report. My insurance has also paid this. I do not have access to that insurance carrier as to I have switched carriers since that date of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
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: Account status incorrect

Complaint:
Five years ago, I left XXXX XXXX in order to care for several family members. This resulted in a government overpayment of health insurance/leave benefits. The payroll processor, U.S. Dep't of Agric. Nat'l Finance Center ( NFC ), would eventually send the bill to collections and report it to the Treasury Dept. Bureau for Fiscal Services ( BFS ). I have been on a payment plan for the past 2.5 years. Additionally, when I rejoined XXXX XXXX, NFC  began garnishing my wages for $ XXXX. Despite this, NFC and BFS REFUSE to update this information to the credit bureaus. Every month, they report it as continuously delinquent ( XXXX days late ). I have disputed this multiple times to no avail. The only action they have done is to update the balance, while continuing to report the account as late.Today, I was denied a mortgage due to " late payments '' and " delinquency on federal debt ''. The phone # s listed for NFC on each credit report are all out of service and have been for months. I have called every number listed ; it either rings as being out of service or there's no sound on the other line. BFS is a black hole. I tried contacting them in XXXX only to be told they had no record of the account I was referencing. I later discovered they were attempting to send the same account they were garnishing my wages for to another debt collector. When I finally got them on the phone ( just one time ), I explained that it was excessive to garnish wages for almost $ XXXX AND simultaneously send it to a bill collector. Their response was that " It gets the money faster. '' Is there any recourse at all? At a time when I'm trying to purchase my first home and XXXX ownership rates are already at such lows, this seems incredibly abusive.

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 2018-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
inaccuracies disputed with TransUnion. 

MEDICAL Open Since XX/XX/XXXX Account Status Derogatory Current Balance {$96.00} Account Details MEDICAL Collection XX/XX/XXXX XX/XX/XXXX {$96.00} - Individual Payment Details ollection/Chargeoff MEDICAL Open Since XX/XX/XXXX Account Status Derogatory Current Balance {$110.00} Account Details MEDICAL Collection XX/XX/XXXX XX/XX/XXXX {$110.00} - Individual

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 2018-05-18
Company: WLCC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2018, I was issued a loan by WLCC d/b/a XXXX XXXX for {$1000.00}. I have paid {$1000.00} to date and XXXX states I owe another {$960.00}. Per South Carolina ( my state of residence ) payday loan regulations, I should have only been charged $ XXXX/ {$100.00} borrowed. I should have only been charged {$150.00} on top of the {$1000.00} borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
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:
I feel there is inaccurate information on my credit report from experian and other credit companies. XXXX is hitting me with a hard pull on XX/XX/19. I feel this is fraud and not authorized by me. Under the fair credit act I have called them a few times to show me where I went into there bank and signed anything. I have yet to see any accurate proof of anything as I personally did not request my file to be reported for any hard pulls as I know I am very picky when I do backround checks. I am looking for this matter to be fixed and any misunderstandings be resolved.

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 2018-05-18
Company: Experian Information Solutions Inc.
State: TX
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: Other problem getting your report or credit score

Complaint:
I want to file a complaint against Experian. I was to get a copy of my credit after the XXXX XXXX ran a credit check. They said it would be mailed within ten days. It has been 21 days. They threatened my wife telling her she had to join. That is not true. They also asked us receive third party calls. They are scamming and telling untruths. 

I will lose the opportunity to rebuild my flood damaged house because of what they have done. I need the XXXX loan to finish the house and live normal. In a week my window of opportunity expires and I will not be able to obtain the loan and finish my house. 

Credit companies do not need to issue ultimatums. I receive offers to join almost every day from Experian, but no response to what I have requested. They asked me to rate my experience and they have not responded. They are worse than all of those student loan/insurance calls I receive every day.

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 2018-11-26
Company: Experian Information Solutions Inc.
State: AL
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 writing to request a correction of the following information that appears on my credit report. 
I am a victim of identity theft and I write to dispute certain information in my file resulting from the ID Theft. 
I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized. 
Please carefully review and remove or correct this information at the earliest possible time. 
Enclosures -Copy of the FTC Identity Theft Affidavit -Copy of the Social Security Number -Copy of the Driver License -Copy of the Utility Bill

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