BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-24
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I have written good will letters to take off late XXXX  payments results to accounts that are closed due to consolidation and I want to ask to remove those accounts that are no longer owed or exists off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX {$26000.00} XXXXXXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX accounts was open fraudulently. Heres my police report to go with my ftc report to have theses accounts removed or blocked.

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 2018-09-09
Company: Credit Collections U.S.A., L.L.C.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I had a balanced due to a doctor the balanced was discharged with my bankruptcy which was filed in XX/XX/XXXX and discharged XX/XX/XXXX. The account was transferred to XXXX and XXXX XXXX XX/XX/XXXX. I advised the company it was discharged during bankruptcy procedure. XXXX and XXXX XXXX continue to pursue this payment and has posted it on my credit report. I have been disputing this company since XX/XX/XXXX with the credit reporting 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 2017-09-14
Company: JPMORGAN CHASE & CO.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and Providian National bank have been garnishing wages on on a old credit card account that was charged off before XXXX. This company filed a small claims judgment in the amount of {$2600.00} XXXX/XXXX/XXXX. In XX/XX/XXXXthey began more legal action to get the judgment amount. The wage garnishment started XX/XX/XXXX and has every year until now. They have thus far collected {$2300.00} since XXXX yet the amount owed on the judgment keeps going up ( its up to {$6200.00} ) currently  because this company is still adding interest on a account that has been closed before XXXX and charged off. I do not feel responsible for these so called finance charges and take responsibility for the original judgment of {$2600.00} which is almost paid up. I think this company is taking advantage and unfairly charging me these outrageous amounts for a credit card I have not had in almost 10years. These  garnishments really put financial hardships on single parents like me who are trying to make ends meet and trying to pay off debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I left the country and moved to XXXX in XXXX. I visited the local Citi branch and changed my address to my XXXX address to receive my monthly bills. I was unaware that my card was being unpaid as I did not receive any of the mail. I have never been late in paying the card or any bills at all in my life until this move, I'm unsure why my mail was still sent to my former address when I went to have it changed and explained my move at the branch. Late reports were listed on XX/XX/XXXX & 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 2018-09-09
Company: EQUIFAX, INC.
State: AZ
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:
On XX/XX/2018 I contacted XXXX XXXX for prices on some of their products. I explained I was just gathering information that day, and didn't want to order anything. The XXXX representative obtained a hard inquiry of my credit report without my knowledge. I called when I realized they had done that, because it stays on my report for 2 years, and they had no reason to do that, it should have been a soft inquiry if at all, because I wasn't ordering a service. The manager I spoke to advised they would have it removed. It is still on my credit report through Equifax. I want that inquiry removed from my Equifax credit report, as it was accessed without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09
Company: Paypal Holdings, Inc
State: ME
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I am the author of a New Book Coming out called XXXX. I have been working to Pre-Sell the book by adding a website, payment processing and building social media platforms. 

I already have 4 other methods of online payment processing but several older customers asked I set up PayPal I did set it up and after a 4 day delay was accepted ( screenshots are attached of the chronilogical order ). 

I began advertising for paying with PayPal on 6 platforms including XXXX and my XXXX   Website Because I am traveling to promote the book I decided to attach a debit card to the account to use fir purchases. It did not work out. So I called customer service and that lead to the next 54 hours if chaos, lies, deception and even a representative who tried to get me to commit fraud. 

I was told, actually demanded in order to use the account I had to change the name in the account our if the Business Name to NY personal name I was asked to submit all of my proof if who I am including my driver 's license, SSN card and proof of address. 

I was told I had been placed on an expedited track and would have an answer in 72 hours because of XXXX day. 

I called back 3 days later to speak with a supervisor because my account still showed my identity confirm was not approved I asked fir a supervisor. She told me I was being restricted because I had a second account. I vehemently denied I have had an account with PayPal fir a number of years but the person who told me I needed to change the name in my business account took all of my info and tried need to make a fake account using an email I had not used in 3 to 5 years She said she would file fraud on This flagged info and I would get a call from PayPal in 3 days. 

That was 6 days ago. 

BUT I just looked through my email and found that on XX/XX/XXXX I received an email my account had been restored. 

I still haven't been able to get money out of the account for purchases. 

I received an email 3 days ago stating they were going to restore it but still have not In looking online 209 complaints on same topic either from consumers or small businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute. XXXX XXXX - XXXX and XXXX ; XXXX - XXXX ; XXXX - XXXX XXXX XXXX - XXXX ; XXXX - XXXX ; XXXX - XXXX ; XXXX XXXX - XXXX and XXXX ; XXXX XXXX XXXX ; XXXX XXXX - XXXX ; XXXX ; XXXX ; XXXX ; and XXXX ; XXXX XXXX ; and XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have mailed the credit bureaus letters requesting old inquiries be deleted off of my credit report.It has been going on for over 2 months. I also disputed the different socials to be deleted as well which are not my social security numbers. Most inquiries on my report are over 2 years and some are not authorized.

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 2018-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I have a payment arrangement with XXXX XXXX on a delinquent account ( XXXX ) .XXXX XXXX has received 4 payments on time of the 6 payment arrangement.I have 2 payments of {$79.00} in XXXX and XXXX for completion of the attached agreement.In the agreement, under the heading '' What you need to know ... '' it says '' in accepting this settlement we intend to discontinue collections. " AND " Your payment ( s ) are confirmation of this arrangement. " YET, XXXX XXXX REPORTS THIS ACCOUNT AS A COLLECTION/CHARGE-OFF WITH NO NOTES OR INDICATIONS IN THE CREDIT REPORTING OF THE AGREEMENT! DOES XXXX XXXX THINK THAT ALL CONSUMERS ARE STUPID? THE REPORTING AS IT STANDS TO ALL 3 BUREAUS IS INACCURATE AND INCOMPLETE PER FCRA AND IS DEFINED AS A COLLECTION EFFORT BY THE FCRA! I HAVE NO FAITH WHATSOEVER THAT XXXX XXXX WILL HONOR THEIR FINAL AGREEMENT TO REPORT '' PAID IN FULL/WAS A CHARGE-OFF '', SINCE THEY ARE NOT HONORING THEIR AGREEMENT NOW, YET, I WILL MAKE MY FINAL TWO PAYMENTS AND KEEP MY END OF THE ARRANGEMENT AS AGREED.THIS ACCOUNT WAS DISPUTED RECENTLY BUT ONLY SUCCEEDED IN GETTING XXXX XXXX TO UPDATE THE PAYMENTS MADE, WHICH THEY WERE NOT DOING ( FCRA ) .EVERYONE KNOWS THE FACT THAT XXXX XXXX STEALS FROM THEIR CUSTOMERS UNTIL LAW ENFORCEMENT CATCHES THEM.XXXX XXXX IS CROOKED FROM THE EXECUTIVE OFFICES DOWN TO THE BANK WORKERS.THE CFPB HAS CAUGHT XXXX XXXX ONCE MORE UP TO NO GOOD AND HARMING CUSTOMERS AND VIOLATING LAW.

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 2018-09-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Once again, Citizens Bank uses creative accounting, by changing the order of transactions. From being overdrawn by one transaction to 5 and charging {$35.00} for each one. When I made a deposit to cover the one overdraft, another check came in, which bounced. now there are 6 overdraft charges. The last check they bounced was for my certification to XXXX in New Hampshire allowing me to go back to work, which now I will not be able to. The next group of charges will be for {$30.00} each and every day I am overdrawn, taking up all possibility of making ends meet, or replacing the check made out to the New Hampshire Treasury.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-01
Company: Valley Collection Service, LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Just checked my report and noticed a debt in collection from someone or company that I 've never heard of before in my life for a debt amount I have no clue about. Need help.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital One closed my credit account without notification. I recently updated my address and requested a new card. Never got the card. Was looking at my credit reporting on XX/XX/18 and saw that the account had been closed. Called Capital One to see what was going on, was advised a " business decision '' had been made an the line would not be reopened. Had I known that the account was to be closed I would have used the card to keep it active and open. Capital One should have notified me and didn't. I just want to line reopened without me have to reapply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances of establishing a great history with the current company. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2018. The bureaus reporting is XXXX, XXXX, and Equifax. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
the credit report Compnay keeps adding to my profile and not removing

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 2018-09-09
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is a complaint against National Credit Systems, about an account that was opened without my authorization. I have disputed this account with the credit report, sending the evidence of the identity theft, including the police report and affidavit. When I tried to remove the account through the bureaus I was unable to, I am sending the complaint through the CFPB with all the evidence through fax and email that can be able to be provided. So this account can be removed because it was never authorized and it is fraud. Of course the information matches up. Someone clearly used my information without my authorization. I have provided more than sufficient evidence to get these false accounts removed. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a credit card on with Capital one and the due date is XX/XX/18. I forgot to make a payment and I made the payment on Tuesday, XX/XX/XXXX. I got charged {$25.00} late fee however my contention is that Monday is a federal holiday and regardless of when the payment was made, it will not get posted until Tuesday., I thought charging a late fee is unfair. If Monday is not a federal holiday, I will agree that the payment is late The Federal Reserve allow a day grace period when the due day is on the weekends and Monday is a federal holiday

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09
Company: Concord Servicing Corporation
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 status incorrect

Complaint:
My account is showing 60 days past due but I have signed up for auto payments. I contacted the company to request to have removed from my report but I was told that they won't be able to. I need help as I have never missed any payments for any accounts I have and am always diligent and responsible with all open accounts and monies owed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 customer service

Complaint:
Capital One 's payment processing XXXX XXXX was not deliverable. My XXXX  2017 payment was returned by the XXXX XXXX as " XXXX XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: National Credit Adjusters, LLC
State: NM
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2020 PAID XXXX After several times of contacting them the balance finally showed a XXXX recently NCA showing as an open collection this has dropped my FICO 4 score 49 points making

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed that I have a collection account on my credit report from COMMONWEALTH FINANCIAL SYSTEMS for the amount of {$310.00} the original account being from XXXX XXXX XXXX. This charge was placed on my credit report on XX/XX/XXXX. When I called I found out the debt was from XXXX. This is 6 years ago and has just been placed on my credit report. I don't remember this service taking place. I have never been contacted for this debt since it supposedly occurred either. The state of Florida has a law that you are not allowed to collect on a debt more than XXXX years old. So this is wrong and is stopping me from being able to apply for a home loan. I have no recollection of this service occurring.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: Navient Solutions, LLC.
State: IL
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:
XX/XX/XXXX I had a payment due with Navient and autopay was setup on wrong account. I was charged a NSF of {$0.00}. I paid this XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX. I called too many times to count. Calls are r ecorded also. I  will never be able to pay off {$0.00} unless I pay entire balance and payments are not able to allocated to this {$0.00} only if What several reps over 5 months have told me. I also on income based repayment plan of {$0.00} but still have to pay {$0.00} each month. 
Navient is stealing money since no customer are able to get correct information and uncomfortably long wait times that you feel you should apply for a position with them since you have to put aside at least 3 hours for any situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-10
Company: Convergent Resources, 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: Account information incorrect

Complaint:
This account was from XXXX/XXXX. In XX/XX/2018 I spoke with XXXX about this account, paid it in full, and they recalled it from collections. XXXX advised that the account would be removed if it was being reported. The representative did not know who the collection agency was or if it was being reported during the call. I have written to Convergent Resources and have not heard a response in over 30-days. I have disputed this with the credit agencies and Convergent Resources continues to falsely report 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