BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-27
Company: Experian Information Solutions Inc.
State: AR
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 went to help my daughter get an apartment by being a cosigner, and was informed by their management that my credit was horrible. I pulled my credit report and seen accounts that did not belong to me. PLEASE DELETE THESE ACCOUNTS. 

XXXX XXXX XXXX  XXXX {$19000.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX XXXX {$1800.00} BANKRUPTCY CHAPTER XXXX - DISCHARGED XXXX {$0.00}

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 2021-04-28
Company: EQUIFAX, INC.
State: SC
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 delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
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: Account information incorrect

Complaint:
I first checked the Equifax breach information right after the breach happened and was told that my information was NOT part of the data that may have been compromised. That was in XX/XX/2017. I had received several letters of declined credit cards and acceptance for financial products/services ie credit card and online credit for retail products online. I contacted Equifax and they asked a bunch of security questions about some very detailed information that I did not have. It took me hours to get someone to just listen to the questions I was asking and it took three different calls to get them to place a hold on my account and to let me know I had that hold on the account. They also suggested that I purchase one of their other services when I was online trying to do this and I do not want to do business with them, I just want them to listen and help me straighten this situation out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I checked my credit reports and found I have unverified accounts listed on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-08-06
Company: CCF Intermediate Holdings LLC
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: Account information incorrect

Complaint:
I originally got Avio Credit in XXXX of XXXX and had the account for a few months before I fell on hard times.The account never shows any of my on time payments. The account then started to show late payments which I understand, but they have consistently reported late payments throughout all of XXXX, XXXX,. XXXX, and XXXX of 120 days late. I have tried disputing the information as inaccurate on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX but to no avail. The item should have been written off as a charge off from what I read online. But I read on a credit forum that they are doing this to keep the account active and get around the stature of limitiations and also the 7 year rule for Credit items. This is highly illegal which violates the FCRA and FDCPA on a state level and federal level but keeping the item active. When I log into my XXXX  report it does not even state the date the item will fall off because of what they are doing. They are purposely keeping my credit low with late payments and dragging it out to keep my scores low.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Square Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Concerning RECEIVING my my NYS UNEMPLOYMENT BENEFITS, CASHAPP CLEARLY DOESN'T RESPECT PPL OF XXXX COMMUNITIES when it comes to XXXX PEOPLE AND ITS COMMUNITY. THE disbursement of my NYS funds cashapp is NOT FOLLOWING. I AM SO TIRED OF CASHAPP AND ALL OTHER MOBILE BANKING.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
At the cash register at XXXX XXXX in XXXX XXXX, CA in XX/XX/XXXX, I was offered a discount on my purchases of {$140.00} if I would apply for a credit card. I agreed. I was told my new credit card and invoice for my purchases would be sent to me shortly. I anticipated them for about three months but they never arrived. Then I forgot about the matter. In XX/XX/XXXX I received a letter and an invoice from XXXX XXXX XXXX , XXXX for {$340.00}. The letter said XXXX XXXX/XXXX  sold them my account. I called the phone number given and was told the amount of {$190.00} was interest that accumulated for all the months I didn't pay the {$140.00} bringing my total debt amount to {$340.00}. I offered to pay only the original amount of {$140.00} because I do owe it IF, in writing, they would agreed to that amount and give me a guarantee that they would not ding me on XXXX. Over the course of a week I spoke with three different people all of whom refused my offer insisting I pay {$340.00}. The last one said he would reduce the interest amount but would not accept my offer as I stated it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My ex husband removed bonds from a joint safety deposit box. He cashed in bonds that were in mine and my children 's name at Bank of America. I had the US treasury do a search and I have copies of the bonds the signature on the bonds is my ex-husband 's name. From what I understand on the US treasury and B of A management, nobody but the people named on the bond are supposed cash them. My ex-husband stole my children 's and my bonds cash them with his signature and Bank of America processed it.

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 2020-11-16
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX2020 I received several alerts about a new collection account that was added to my credit report from I.C System from a cable bill/company XXXX. At the time I was not familiar with the debt because I had never received anything in the mail from them. When I called them on XX/XX/XXXX2020 they told me that they did not have to send me anything because XXXX sent me a bill in XXXX. 

I told them it is my understanding that I should have received something from them via mail or a phone call even. I confirmed my name and contact info and requested that they send me something in the mail. I received my first letter from them on XX/XX/XXXX2020 which was 13 days after it posted to my account and 11 days from the original/first letter that they sent to me ( dated XXXX/XXXX/2020 ). 

After I received the letter I called on XX/XX/XXXX2020 and spoke to XXXX employer ID XXXX and he told me that they attempted to send letters to me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX but all of them were cancelled and never mailed out because of COVID. I then asked them how were they not able to mail me any to validate the debt but was able to send me to collections and he said because it was a different department. 

We that being said, per the FDCPA I didn't ; receive my letter until XX/XX/XXXX2020 which was 13 days after it posted to my credit report. That is a violation

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 2021-07-07
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have reached out to Jefferson Capital on several occasions in regards to a debt that I have no knowledge of that appears on all three major credit reports. Several letters have been sent with no communications in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: DISCOVER BANK
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I issued a statement to the CFPB regarding Discover Card, to which they launched their own " investigation ''. Well, a shameful and despicable company investigating its own conduct is like me robbing a bank and then being put in charge of the robbery investigation! 

My initial case was assigned to XXXX XXXX, who is every bit as deceptive as this company. First, I have RECORDED CALLS of her saying that while this issue is in dispute, I would not be charged any late fees. Sure enough, I was charged late fees. Second, the " evidence '' she submitted had the wrong address on it, which was part of the initial complaint. Third, she said that the harassing collections calls from " spoofed '' would stop immediately, to which they didn't. I received another three collections calls from your spoofed numbers within a 48 hours period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I had credit card debt that i have been paying XXXX XXXX XXXX to take care of my debt .... i paid them close to XXXX XXXX dollars. My payments were going to stop XXXX of 2021, XXXX XXXX XXXX told me that as soon as i pay my last payment in XXXX that i was in the clear and my credit would be restored. I am now being sued by bank of america in which i received a certified letter in my mail box that i didn't even sign for, saying bank of america was going to garnish my wages. i have had no other previous communication with bank of america. any lawyers from bank of america or citadel documnent solutions that this was coming. I emailed the lawyer for bank of america ( XXXX and XXXX in california ) i received one phone call from a para legal secretary that my only option was to give the bank all the money in bulk. i asked to speak to Mr XXXX who is the lawyer, I have yet to receive a call back from him. ( over a week ago ) Please see attached contract agreement with 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 2020-08-27
Company: DISCOVER BANK
State: MO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX ( XXXX ) we submitted an application with Discover Home Loans to request a Home Equity Loan. Our credit was pulled  and we met the first criteria. I spoke to their Personal banker on/around XX/XX/XXXX and discussed how much our home was worth to ensure we qualified for enough equity in our home. After discussing this with the banker, we went forward with the application and submitted all documentation online. 

On XX/XX/XXXX, an appraiser came to our home and took pictures of the outside of our home while my husband was standing outside. A week passed and I received word our home was valued {$220000.00}. Approximately {$30000.00} less than the same home up the street from ours which was on the market for {$240000.00}. I asked Discover how this was possible and they informed me it was a brick and mortar appraisal. However, this was not noted to me in the beginning of the conversation in speaking with the personal banker on XX/XX/XXXX. Discover updated our status within their system to requesting an internal appraisal ; however, the next day ( XX/XX/XXXX ) I received an email from Discover that our application was denied. 

I'm beyond confused on how this is possible and the ONLY thing I can understand or comprehend is that it had to do with our race. I am XXXX and handled all communication with Discover.  However, my husband who is XXXX XXXX  ( and standing outside with the appraiser ) was the one who greeted the appraiser. It seems just a bit odd that our credit score of over 740, good credit history, over {$70000.00} in equity, military income with 2 full-time employment salaries could receive a " no '' on the application and a low ball appraisal. 

I have reached out to Discover to file a complaint and have not heard back. In addition, I've reached out to our Attorney General and lastly would like to file a complaint with your office as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
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: Their investigation did not fix an error on your report

Complaint:
Equifax is continually reporting inaccurate and misleading information in my credit file. I have filed several disputes and get no where as far as having these inaccuracies removed. According to the FCRA I have the right to request that the furnisher provides proof that these accounts are mine and Ive never received any proof of account ownership after many requests. They are painting a very inaccurate picture of my credit history and financial responsibility and it is affecting me tremendously I am being denied for accounts that do not belong to me! Im so exhausted trying to fix my credit Ive been trying for years to get them to do their job. They are not following the law and I feel are purposely reporting inaccurate information to further hurt minorities and keep us in conditions where we can not progress. Credit is everything and they should only report accurate factual information or remove it if it can not be accurately verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: BARCLAYS BANK DELAWARE
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: Problem with personal statement of dispute

Complaint:
My XXXX reward card with Barclays is being unfair with my credit report I have communicate with them on so many different levels but nothing was done

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 2020-08-27
Company: Experian Information Solutions Inc.
State: PA
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 submitted an issue where an account was reporting more than once and they have yet to look into the matter and it was not fix. i also Included my ID and Social on the document. they have an account at is reporting 3 times with 3 different amount owed i know for a fact that a company can not collect on the same debt with the same account number but diffident amounts owed. and i have an account reporting that i never had that i think is fraud that need to be look into this is the 3rd time i have put in a request to get this looked at.

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 2021-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
On XX/XX/2021, I sent a method of verification letter to XXXX, XXXX and TransUnion regarding a bankruptcy that is listed on my credit report. There has been no reply by mail, email or phone regarding this matter.

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 2020-01-28
Company: Early Warning Services, LLC
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I attempted to purchase a dog from what I thought to be a reputable breeder. The website was XXXX XXXX XXXX  and I had arranged to purchase a dog on XX/XX/XXXX. I was told to use the Zelle app to transfer {$800.00} to the seller, and because I have purchased dogs before online and that Zelle was an app my bank, XXXX XXXX XXXX XXXX, used I was not aware of any potential problems. Once I used the app, the money transferred over from my checking account, and I learned that the seller was not actually a dog breeder and I was scammed. I discovered the scam within 4 hours of the transfer, and attempted to call the website and my bank to cancel the transaction. The website did not return calls and the bank said that Zelle transfers could not be undone. I was not provided with any notices or disclosures that helped me to understand that Zelle was not covered by any insurance like a regular debit card would have been. Zelle advised me that the transfer was voluntary, and so they were not responsible. My bank let me know the transaction was not secure, even though it was the only third party money transfer available on their secure mobile app. I am confused as to how Zelle can not stop or reverse charges that are transferred to another checking account if fraud is suspected ; I thought there should be a provision under Reg. E?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient place these loans on Administrative Forbearance for 1 year in XX/XX/XXXX. Which I did not request and placed more interest on the loans at their will. I have requested proof of debt from Navient from XX/XX/XXXX, which they have not produced, yet there are requesting to payment and will try in ruin my CREDIT. In addition to requesting payment they have increased what the payment was prior to the Administrative Forbearance an extra {$200.00} I requested all payments be put on hold until this issues is resolved and proof of debt is produced by Navient. As I do not have an agreement with them either. XXXX XXXX at Navient has received certified mail about this concern. 

Also, XXXX and Navient all come from Sally Mae. An e-mail was sent to the CFPB stating that the Department of Education requested to place my loans on hold until future investigation was complete. XXXX and Navient hold the same unsigned Master Promissory Note with populated information on there I did not place, so how is it that XXXX has placed these loan on hold and Navient has not? However, they fold the same MPN? 

I will attach the letter sent to Navient. Also, I have attached an screen shot of how Navient placed late payment information on my credit report and the loan were on Administrative Forbearance because they were being investigated. They had to correct this information on the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: NAVY FEDERAL CREDIT UNION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have an auto loan that i did not receive statements since XX/XX/2020. I tried calling the bank but was on hold with long wait times. As it turns out, i was not getting the statements because they failed to update my address after we relocated on XXXX XXXX military orders.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief