BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-01
Company: EQUIFAX, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As of XX/XX/2019 Equifax and XXXX have a account listed on my credit report in collection. However, the balance is XXXX, but remains in collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: United Revenue Corporation
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sent correspondence to UNITED REVENUE CORP ( URC ) concerning medical bills that were the result of ID Theft. I receive no reply/response and in a follow-up call, URC claimed they never received my letter stating that I wish to dispute the collections claim. There are four ( 4 ) different bills that are under the name of XXXX XXXX, however my legal name by which I go by is XXXX XXXX XXXX XXXX, to which I DO NOT abbreviate due to past cross-referencing. However, my DOB and SSN have been attached to the fraudulent abbreviated name and has caused great confusion when verifying/validating the accuracy of the medical bills. 

URC claims that I have had services rendered at four hospitals on four ( 4 ) different dates. This corresponds with the same time of the date range that correlates to my ID Theft, as I continue to uncover more ID Theft incidents. 

With URC, I sent a letter disputing the claims they have on record and never received a response. On the follow-up call, I was verbally informed of dates, and medical record id numbers along with the hospitals and dates where the services were rendered. This was specifically requested in writing to establish dialogue and updated information so that I could receive written responses. 

Per URC, I contacted the hospital and they referred me back to URC for resolution. I requested for a formal affidavit form to dispute and URC does not provide such forms or process for victims of ID Theft. However, in my original correspondence, I attached a notarized Affidavit of ID Theft along with other documentation to begin the process, yet URC is using tactics to discourage and abuse opportunity to gather information on the collections accounts and a clear process that entitles me to remedy my injury ( inaccurate information on my credit report ) as the result of the ID Theft. 

Also, in the conversation, they indicated that their fraud Department would determine the validity of my claims, yet also informed me that the original company to which they bought the collection medical bills would have to be the entity that proves I did not utilized medical services ; when I contacted the originating hospitals, they referred me back to URC. 

My concern is that my rights to obtain information about the collection account is being purposefully impeded by URC through their collection process and obligation to provide requested data. In addition, their 'investigative ' process that was explained to me, is contradictory and has an element of subjectivity that allows URC to report inaccurate information. These factors only further the injury to me and my reputation due to an inaccurate credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
After sending all three credit bureaus several letters disputing the accuracy of the infomation that they are reporting on my credit file and informing them that the items were not mine, they stated on several response letter that they verified and upon receiving the letters stating that they " Verified '' the items as being mine, I requested under the FCRA proof, which includes more that going to the furnisher of information asking them is it true, but i requested on 8 or more different times and was very clear on what the request was ... ... XXXX " written verification of the accounts they were reporting that they claim that they verified .... 

If in fact they " verified as mine '' then I requested PLAIN AND CLEAR ... .. " send me contracts bearing my signature because I want to get to the bottom of who has signed my name to something that I had no knowledge of nor did i agree to .... 

attached is the letter that i sent and the request that I made. they are now sending back templete letters and not giving me what I clearly asked for. 

If they cant properly investigate and come back with accuracte information that shows the accounts are mine such as written contracts the law is clear and I hold them to the standards of the law and not send me back templete letters becasue they did not do an investigation but is violating the law and my rights and is doing damges to my credibility. 
they must remove what they are unable to verifiy

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 2017-08-01
Company: Southwest Credit Systems, L.P.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company, which I hold no contract with nor have received services from, reported a collection account against my ssn in the amount of  XXXX . I filed a dispute requesting validation of the debt and account however they have not provided any proof. I am not obligated to this alleged debt because I have no signed or verbal contract with this business nor have I received any services from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a total of 75 late payments showing on XXXX, 75 showing on XXXX, 24 showing on XXXX all from of Navient student loans. I have 4 separate accounts numbers across all 3 bureaus. It is showing 75 missed payments from the same company. They send me One statement with all the loans on it. But send to the credit bureaus 10 different accounts. Showing a total of 75 payments. I was NEVER late 75 times. I was on a financial forbearance. I had no employment. 

The company refused to change the status due to a mix up. I was in the midst of a divorce custody battle and all my mail was interestingly disappearing. I should have been on a financial forbearance because I was out of work. However, I was denied several opportunities for work and couldn't figure out why. My score currently is XXXX with XXXX. It is a nightmare. This has been going on now for over 3 years. I recently received my credit score through XXXX XXXX and was confused. When it showed 75 late payments I couldn't believe what was happening. I am currently on a financial forbearance but they refused to change the status. I have written, called, and tried to discuss the issues. They continue to leave the status as it is. I had sent in all the paperwork showing I was suppose to be on forbearance. 

AND they send me ONE statement, one bill, one forbearance but report to the credit bureau 11 different accounts making my score even lower. furthermore, they are extremely inconsistent across the board. They send varying and inaccurate information to the credit bureaus causing my score to do a roller coaster ; making it difficult to get my financial life in order. It is causing lots of undue stress and mental strain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29
Company: Experian Information Solutions Inc.
State: DE
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:
I was unemployed and not receiving unemployment benefits because of the intensive wait due to the pandemic. I initially a benefit that I purchased on my credit card which is credit protection. However, my payment was reported as late. 

Per the cares act the account is supposed to report as it was prior to delinquency if arrangements were made. 

XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have started a new job working with security clearance for XXXX I recently found addresses on my credit file that do not belong to me!! I have to get this cleared up asap. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, SS XXXX DOB XXXX is my current and only address. Please remove/delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX I have several incorrect names on my file as well please remove the following incorrect names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, please delete.

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 2018-07-12
Company: TD BANK US HOLDING COMPANY
State: NY
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 have a loan with XXXX/TD. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX/TD with no successful resolution. XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: EQUIFAX, INC.
State: NC
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:
In XXXX of 2020, I entered into a deferment with XXXX XXXX for several months due to the covid and losing employment. My deferment was ending in XXXX of 2020. I was turning the vehicle in as early lease termination since the lease would be up in a few months anyway I could no longer pay for it due to the impact of Covid. On XX/XX/XXXX I was admitted to the XX/XX/XXXX for XX/XX/XXXX XXXX. Which I provided documentation. On XX/XX/XXXX I became extremely ill and was XXXX XXXX XXXX XXXX XXXX XXXX. I remained in the hospital until XX/XX/XXXX. I was still under XX/XX/XXXX due to a lXX/XX/XXXX and on and off again XX/XX/XXXX( documentation provided ). I called XXXX XXXX immediately and told them I couldn't return my vehicle until I was released from XX/XX/XXXX. I was released on XX/XX/2020. I called XXXX and was told someone would call me back within 10 days. On XX/XX/XXXX I called them since no call was received. They told me to find a local dealer and return the vehicle. I returned the vehicle on XX/XX/XXXX ( documentation provided XXXX. I told them I was concerned about the credit reporting. The supervisor told me she would make a note to the account and I could dispute it. Which I did, two times with XXXXXX/XX/XXXXand two times with all 3 bureaus No one removed the 30 days late. This is unfair and It was a result of a pandemic and being XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened the checking account in XX/XX/2019 and deposited {$5000.00}. Based on the agreement I supported to get XXXX XXXX XXXX miles but have not got anything so far. In addition, i have not get any update from Citibank since XX/XX/2019.

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 2020-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I paid off my Bank of America credit card in XX/XX/2020 and changed all recurring payments to a new card, or so I thought. Apparently I forgot XXXX auto-charge, for {$42.00}. They explained, when I called them, that this balance carried over for 3 months, until I got a statement in the mail saying they closed my account for non-payment. I did not get any phone calls or notices in the mail saying I had an outstanding balance or notification that my account would be closed. They claimed that I was on e-notices, which I am. I have and would have had no problems paying {$42.00}!!! I had a XXXX balance on this card and charged many transactions and had a long relationship with Bank of America. Probably over 15 years. Anyways, I believe they handled this situation terribly. They could have called me. They could have mailed me, even-though I try to save trees with my regular statements!!! -- -- Secondly, I have over {$200.00} worth of points that they do not want to honor because they said they closed my account for nonpayment. XXXX points to be exact. I could have just used points to pay for that {$42.00}. They won't let me and they will not give me the reward. I have paid the balance + interest, which was {$46.00} that I just paid. I owe them nothing. They owe me my points.

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 2018-07-04
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Regarding Citibank Double cash Transfer Promotional Offer. New accoint open for the purpose of this benefit. False marketing and citibank manager XXXX told me they will not meet the terms if check isnt processed by a specific date. 

On XX/XX/2018 I wrote a new account citi bank check ( *credit card check to pay off debt ) to  XXXX to pay a " promotional '' transfer of zero %, interest of {$800.00}. Since that date I've been watching for this transfer take place. Each time Ive looked Citibank card still shows a balance XXXX/not reflecting the amount i wrote the check for. I have not heard from XXXX that the balance transfer or payment did not go through and its been a month now. * ( Kolhs account still displays XXXX owed, no one from XXXX has told me there was an issue with the check ). 

Today, XX/XX/2018, I called citibank. XXXX CSR said " they had nothing to do with it '' and basically he and his manager pointed their fingers at XXXX. Telling me my offer will expire and not Citibank 's problem. 

I was also told that they will not honor the promotion if XXXX does not cash the check before the XX/XX/XXXX. They did not offer a solution.. nor did they offer to extend the offer .did not offer to contact XXXX to help find a remedy. 

As a consumer i did my part. I wrote the check, gave it to the cashier at XXXX.. thus same check did not work at Chase online either however i paid cash for that account. 

XXXX the escalations manager was extremely rude reciting the same thing the CSR XXXX said.. volleyball-ing blame to XXXX.. who they say needs to cash the check already.. telling me if it doesn't cash before the XX/XX/XXXX i will not get promotional offers. I'm not happy and feel my credit took a hit applying and getting approved for something i am not going to receive. False Marketing.

I feel that this is Citibanks issue since the check was cashed by XXXX..* ( called manager already he looked ) and citibank is shifting the blame. The promotional offer will not be given..if the check isnt cleared in their system by XX/XX/XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
In XX/XX/XXXX we received notice of a Sams Club Online purchase on our account and card being shipped to XXXX GA. We live in PA. We called Sams Credit ( Synchrony ) and reported it. The opened an investigation and replaced the card with a new account. In XX/XX/XXXX the card statement came and there was a similar charge to the first one and we called in and they told us that was also fraudulent. We closed the account. Also on XX/XX/XXXX Synchrony sent us a letter that the account was reopened in error and later was closed. When we received a XX/XX/XXXX statement it still showed a balance. We spoke to a couple of useless individuals that said they could not do anything. We finally got one that tried to help. She said someone closed the investigation. She would reopen it. She also said the second charge was moved from the first account and was not another charge. I told her that would have been useful to know, we would not have closed the account. On XX/XX/XXXX we received the XX/XX/XXXX statement with a {$110.00} credit and a different amount due, but new finance charges. We called in. We found out the first complaint was supposedly closed because the chard did not show on a certain date. They reopened it in XX/XX/XXXX with the correct date. They refuse to say how the account was reopened or acknowledge the letter was even send ( we have it dated XX/XX/XXXX ). Now we are told the investigation refund was applied to the old account on XX/XX/XXXX. ( We never received notification or notice of a credit ). So, we have an investigation that has gone on for over 100 days and aren't sure if it is even correctly resolved, and an account that was fraudulently reopened that they will not acknowledge even though they sent and we have a letter.

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 2021-03-01
Company: Source Receivables Management LLC
State: CA
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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XX/XX/XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2021-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. 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