BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-30
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am contacting you today because Citi Bank is reporting my account history on my credit report incorrectly. After applying for a home mortgage I took a look at a recent copy of my credit report and saw that Citi Bank is reporting that I was 30 days past due in the months of XX/XX/2014 and XX/XX/2014 which I know is inaccurate ( please see an attached screen shot of the account on my credit report ). I have been a card holder with Citi Bank for over 20 years with never a late payment on my account. I am requesting that Citi Bank removes the late payments reporting on this account for the months of XX/XX/XXXX and XX/XX/2014 from XXXX, XXXX, XXXX  and any other credit reporting agency they have reported this 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 2019-02-12
Company: EQUIFAX, INC.
State: TX
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 have attempted to dispute with both Equifax and XXXX  unsuccessfully to have this inaccurate information removed. My credit reports are showing I have a deliquent account with XXXX XXXX XXXX which is incorrect. I asked them to send a validation giving a detailed breakdown of the alleged balance I owe. They sent this document which reflects a XXXX  balance. If I owe something then I need proof of it and they have been unable to provide proof. I have attached a statement showing a XXXX balance that I received from the alleged creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-30
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We have been receiving daily robocalls, for at least two weeks ( as of XX/XX/2019 ), usually between XXXX and XXXX in the afternoon, from Pioneer Credit Recovery, claiming that they are calling about debt collection. There are a number of things about the call that scream 'scam ' to me - too many to list here. 

The call is always the same recording, whether I answer or if I let it go to voicemail. There are no specifics, but always a statement that I need to call them back at an 800-number.  There is no ability to connect to a real person when I answer the call We have no unpaid debts, and our credit is golden. This is definitely a scam, and has risen to the level of harassment. 

The call is always from the phone number XXXX. The call-back number is always 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 2023-08-20
Company: EQUIFAX, 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 am intersted in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report with Equifax. this issue has been addressed multiple times. none of the information filed is following the credit laws in place. please review an remove all information submitted in the files asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: RFNA, LP
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For several months I've tried to set up a payment plan for my account. I have called several times, no one would return my phone call, nor will they assist me with resolving this debt. They have turned my account over to a collection agency and increased the amount of the debt that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
Well I receive pa unemployment And my card was locked by us bank And I am unable to use my card. 
One of there agents used my old address on my form And when I used my new address that I currently live at they made it a fraud claim when there is no fraud present to lock my card I receive a deposit on there and I am in great need of my money and they wont release my funds. 
Ive submitted several forms of documents proving I am who I say I am and Ive waited more than the 10-14 business days the copy have asked to follow after every submission of my documents Ive sent them over 10 times yet Ive been waiting 3 months for my answers and card to be unlocked and I have yet to get my money I have a family and the funds that are loaded every week are being held 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 2019-10-30
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: Account information incorrect

Complaint:
Transunion is reporting an inaccurate credit card account on my credit report that is hurting my credit score drastically. This is the only bureau that has this account on my credit report. Inaccurate reporting. The account is from XXXX XXXX and the balance is saying {$940.00}, says the account was opened XX/XX/2013. I told Transunion about to inaccurate reporting and that their the only credit reporting company saying this account belongs to me nothing has been 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 2019-02-12
Company: Carvana Group, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
vehicle was purchase in XX/XX/2017 right away the vehicle had problems with alignment. caravana offered to have it fixed. once the car was fixed and week later the same problem occurred along with other issues that were identified when the manufacturer XXXX found in diagnostic. bad motor mount, ac issue, alignment, bad differential, bent rims. appeared as if car was in accident vehicle has multiple recalls, for transmission issues, motor mounts, a/c and also over heating issue in the engine. we tried to return the car after the 3rd time it had to be taken back for the same issues, yet the caravana manager XXXX or XXXX denied the return of the car alleging that it was not able to be return because it wasn't in the time scale to be returned when we call we had let them know if the issue persisted the car was going to be returned, all this occurred right after receiving the car and they were notified as they had to payment for a rental car. they ignored our calls and emails.. we were literally begging them to take the car back when we shouldn't of had to. they are having false advertisement/propaganda they will use any reason to get out of returning a bad car. at the time only thing we were able to do was retain a lawyer and filing a lawsuit against them but we did not have the XXXX it require to take the step. the car today has over heated, the vehicle has a recall for that. yet XXXX dealer ship wanted to charge for the repair or even to look at the car. at this point the car needs to be returned due to extensive issue that are not repairable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to obtain a loan modification with US Bank, since the beginning of this year. I can not get US Bank to coorspond with me in writing, phone calls, or emails. I was in bankruptcy, but my attorney was deemed incompetent, so I became my own attorney and before that I explained to US Bank to send me any and all information pertaining to my loan modification due to my attorney 's situation. Still not able to get cooresponding from US Bank in writing, any returned phone calls, status updates, or emails. It 's very frustrating and scary, since its my home where I live I 'm trying not to be forclosed on. I feel like this lack of communication between US Bank and I is being done to forclose on my home. Along with other unorthodox bussiness practices and procedures is unconscionable to people like me and my situation. I 'm sure others are going through these same hurdles as me with US Bank. I believe their business practices is done intentionally and widespread. Something needs to be done, because this is an injustice on people with hardships trying to save their home and because it is very time consuming

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
The attachment clearly shows that XXXX XXXX XXXX XXXX XXXX XXXX XXXX was correctly reported as Account closed at consumers request however such remark was removed inaccurately and the inaccurate Remark code added on XXXX, XXXX  as Account closed by credit grantor for a sinister purpose. Since it has been obvious that Account closed at consumers request is accurate, it was improper to remove it and replace it by adding FACIALLY FALSE DATA with the remark Account closed by credit grantor. Furnisher and CRA lack the required internal controls to prevent such Facially False Data which is impossible and conflicting. Such conduct constitutes a malicious willful FCRA violation and I demand {$1000.00} statutory damages and Permanent deletion of the account from every CRA file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: RMS-Recovery Management Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid XXXX per month and the debt was fully paid off.  I received threatening phone calls two months after my last payment telling me that I owed another XXXX.  The debt is still showing up on my credit report showing that I owe them  money.  I want the debt removed from credit immediately to accurately reflect my true credit history. The first RMS-Recovery Management was very rude and disrespectful.  The second representative state it was an accounting error on their end and my debt was paid in full.

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 2023-04-08
Company: Experian Information Solutions Inc.
State: TX
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

. Collection XXXX  - XXXX Collection XXXX - XXXX Collection 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 2019-02-12
Company: Total Card, Inc.
State: ID
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: Card was charged for something you did not purchase with the card

Complaint:
I became in contact with th fraud Dept of TOTAL CARD VISA, becoming aware of various charges from a company named XXXX that I had never heard of. The rep told me that this company was well versed in fraud and the fraud dept deal with them often so I was not to worry. I needed to contact XXXX and ask for money, ( which I did and they all but laughed at me saying its your cc companies job we dont give money back to people. ), then I was to and fill out and return an affidavit to total visa so it could be fixed. Which was all completed ( by XX/XX/2018 ) before I had a few ( 3 ) month stintt in hospital. For whatever reason I found out today that the afadavit was not what total wanted and I needed to fill a new one out, and this new one was sent to me while I was in hospital in XXXX. I also emailed cc company I firming them of my status. When I called today asking why I was never given any credit or reversals for the fraud I was informed of new affidavit and that I could t do anything now bc 60 days had passed .... but I did it within week first time and they want new after I inform them of my situation and following deadline to make this tight passes while Im hospitalized? It almost feels like their is major collusion here especially whe. Everyone st the cc co knows this XXXX company is a huge scam artist of a company. All charges attempted by this XXXX company happened in the same day. Also I did not and have not used this Acct since bc they cancelled card and I was waiting to endure no more fraud remained. Company charged me {$38.00} late fees and an annual fee of {$48.00} even with knowledge of balance. What dequd related and after I made payments and stats intention to have cars frozen so it would not accrue charged and would give me chance to pay off. 

These are the transactions from XXXX. 
XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX   ONLINE NY XXXX XX/XX/2018 XXXX ONLINE NY XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX   XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Experian Information Solutions Inc.
State: MI
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:
The original amount is {$180000.00} and the balance is {$70000.00}. I've included a screenshot of my account to show the balance and original amount awarded. I have tried to dispute it with the credit bureaus but they claim this information is not new while that is true they keep changing it to reflect negatively.

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 2023-02-23
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: Personal information incorrect

Complaint:
This personal information is incorrect.I have contacted the credit bureaus to update my information. 
XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX GA 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 2019-02-12
Company: Experian Information Solutions Inc.
State: FL
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, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX Address:XXXX XXXX XXXX XXXX, XXXX XXXX , fl XXXX TODAYS DATE:XX/XX/XXXX IN RESPONSE TO CFPB : XXXX RE :  Request for reinvestigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed unauthorized inquiry have been made. 
I contacted each creditor, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an REinvestigation into XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXXational Credit Card Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX All BankXXXX XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX Inquiry from XX/XX/XXXX Personal Loans Cos inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX Address:XXXX XXXX XXXX XXXX, XXXX XXXX , fl 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 2021-05-10
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
BBVA should be looked into for the closure of simple and how they migrated accounts. They locked thousands of people out of their accounts. Changed routing and checking numbers and are mismanaged the situation. Hours long hold times. Their IVR hangs up on you because they are to busy??? 

Then to top it off, charging fees to remove money from accounts when people can login. Super shady and XXXX over so many consumers. 

Simple was cool. 

BBVA ruined the experience immediately and dropped the ball hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Experian Information Solutions Inc.
State: IL
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 sent a letter to dispute an old address that I never lived at and experian refuses to delete this particular address XXXX XXXX XXXX in XXXX Il XXXX XXXX XXXX XXXX, Il I have never lived there yet it appears on my report snd when I dispute it its not being addressed when I checked my membership with experian they claim there having technical difficulties and you never see the result but on XXXX XXXX I screen shot there deletion which I never got a updated letter by the address I have on file Ill upload there deletion that they took back Please help

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 2023-08-21
Company: EQUIFAX, 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:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXX XXXX XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: ERC
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Every so many months XXXX XXXX places an account with a collection agency which is not my bill. I have requested over the years proof of this bill and it always ends up that they can not provide any. In the past I have filed complaints against the collection companies and I think the best action is to get XXXX to stop reassigning this account over and over. 
The company they have assigned it with this time is listed below and they seem at this point to understand after reviewing XXXX XXXX 's info on my account they refereed that something is n't right. 
I have also requested that the collection company send me proof of this debt via phone and email. The contact person at ERC is a XXXX XXXX at XXXXERC, XXXX XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief