BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-04
Company: Experian Information Solutions Inc.
State: WV
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:
XXXX XXXX/XXXX  charged off a credit card. 

the XXXX  credit report shows this. 

XXXX  and Experian credit reports have this same account listed as being in collections ... .two collection agencies ; XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX   these companies are one and the same I spoke to them both about the account being charged off/FCA and being the same agency ... .different names ... fraud ... ..they hung up

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 2019-07-23
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Citibank decided to replace my credit card with a new number. It issued a new card account and transferred the balance to the new account but FAILED to change the old account to {$0.00}. Instead, customer service says that it will be corrected in the future at an unknown date. This resulted in a showing of DOUBLE the amount of credit card debt on my credit report, reduced my score below 700, and prevents me from obtaining an optimum rate on a home loan I want to obtain. Note that even though Citibank has already eliminated the XXXX card from my mailed statement, it still appears online.citi.com and on my credit reports. This is no rush to Citibank but is negatively affecting me on a daily basis. I decided to ask CFPB to assist me before contacting the Attorney General 's office.

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 2019-07-23
Company: RGS Financial, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This Company " XXXX XXXX XXXX '' claims that I owe them {$120.00} and are now using a collection company called RGS Financial to report to my credit report that I am delinquent/past due on this. I have never heard of this company nor have I used their services. They refused to send me proof of debt with my signature. 

Contact info for RGS Financial is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was involved in a abusive on and off relationship and I walked away for good, from this relationship, years ago. And every time I would leave this person would offer money and credit cards to come back. I didn't accept them and now I find two Authorize user credit cards showing on my credit report, as bad charged off debt. I have never applied for in person, over the phone, online nor have I signed for these accounts or given permission to the these companies to have my personal information. 

I never received a credit in my name nor have I ever used a credit card from these two companies. Any debt that was acquired on these accounts have no bearing on me, as I have no knowledge of them and didn't request them or use them. There is no documentation or verbal consent from me binding me to these debt and they should have my personal information, as I never provided it to them! 

The accounts are as follows : XXXXXXXX XXXX  XXXX opened XX/XX/XXXX in the amount of {$3500.00} ( authorized user account ) XXXX XXXX XXXX opened XX/XX/XXXX in the amount of {$700.00}

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 2018-01-11
Company: Credit Bureau Collection Services, Inc.
State: CA
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 an active account with XXXX & XXXX for my home address. On XXXX XXXX XXXX I received a collections notice from a Real Estate company indicating someone had used my SS # to open a lease and utility account at the XXXX XXXX Apartments in XXXX, CA. I filed a police report documenting that I did not open this account. I sent the requested dispute documents multiple times to XXXX & XXXX in an attempt to get this resolved. I have an Identity Restoration service through XXXX and XXXX XXXX and have a licensed investigator assisting me in resolving these issues. He has also sent the requested documents certified mail return receipt requested several times. XXXX XXXX XXXX continues to claim that they have not received the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: DISCOVER BANK
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account was open fraudulently when i was in high school in XX/XX/XXXX. I didn't know anything about this account until I tried to apply for my first credit card and was denied. I pulled my credit report and seen that this account was opened and went to collections for {$500.00}. I called Discover Financial Service and was informed that if I paid the account, they would remove it. Sadly, they did not. The account was closed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
In XX/XX/XXXX, I got a loan from one main fiancial for XXXX. I had been current on this loan till XX/XX/XXXX were my wife took ill and I had too take over all our bills. The balance was just over {$1900.00} when I stopped paying the bill. One main financial had stopped contacting me about the loan. Until late XX/XX/XXXX, to where I was informed by XXXX XXXX XXXX, a collections agency that they are representing one main financial and that they were attempting to collect over 3300.00 dollars on behalf of one main financial. They had got a court date and was pursuing too attempt to collect this amount. I contacted a lawyer that specialized in these situations. He told me I didnt have to go too court that he would handle it, which I wasnt able to attend anyway because of work. I assumed he would fight for the previous amount mentioned and that I owed. He said they wouldnt move from that price so we agreed that if I made a payment bye XX/XX/XXXX the judgement order wouldnt be enforced long as I stayed concurrent. Ive been current on such loan. On XX/XX/XXXX they one main financial reported to the credit bureau that I was late on loan. If this would have been discussed in renegotiating the loan ( meaning that they would still be reporting me as late to credit bureaus ) I would not have agreed to any terms with one main financial are there lawyers XXXX XXXX XXXX. They are deceiving the consumer allowing them to think that the loan has been put back in gud standings and it would be that way as long as youre current on said loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: EQUIFAX, INC.
State: MO
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:
I have already dispted inquiries on my credit report with Equifax that I did not authorise and I keep getting the same response from them telling me I dont have to give consent. I have contacted the companies who are listed with each of these companies and they tell me it is up to the credit bureau to remove the inquiries. XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX I want those inquiries listed above removed immediately.

The responses I keep getting from Equifax is as follows : We have reviewed your complaint along with the information you previously provided regarding this issue. The inquiries listed on your credit report are a record of the companies that obtained your credit information. All inquiries remain on your credit report for two years. Credit information may be requested only for the following permissible purposes : credit transactions, employment consideration, review or collection of an existing account or other legitimate business need, insurance underwriting, government licensing, rental dwelling, or pursuant to a court order. Your written authorization may not be required to constitute permissible purpose. If you believe that an inquiry on your credit report was made without permissible purpose, then you may wish to contact the creditor directly, in writing, regarding its purpose. Please note that your specific consent to the release of your credit information is not necessary for a permissible purpose to exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: TD BANK US HOLDING COMPANY
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: Privacy issues

Complaint:
Today I received a credit card from TD Bank and included in the envelope was a standard-form privacy notice. It said " we can share your personal information for our affiliates to market to you '' and " you can limit this sharing '' by calling TD Bank at XXXX. 

However, this is the wrong number. The recording requires entry of the customer 's account number and other information, but then says it 's the wrong number to call for credit card customers. It provides an option to be transferred to a different line, which requires re-entry of all that information and more, and then presents phone menus that do n't include any options for controlling privacy settings. I was able to reach a representative who just re-asserted that I should call the number listed on the page, and she 'd inform a manager of my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account was open fraudulently when i was in high school in XX/XX/XXXX. I didn't know anything about this account until I tried to apply for my first credit card and was denied. I pulled my credit report and seen that this account was opened and went to collections for {$500.00}. I called XXXX XXXX XXXX and was informed that if I paid the account, they would remove it. Sadly, they did not. The account was closed on 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 2019-07-23
Company: Netspend Corporation
State: MA
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 was promised that my claims would be Reopened and that I would receive a refund for my disputes and I feel like I was lied to

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 2017-10-12
Company: Navient Solutions, LLC.
State: MO
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:
Spoke with Navient customer service XXXX XXXX, XXXX XXXX, and XXXX XXXX pertaining to the fact that the balanced owed to Navient is XXXX and Navient is reporting on my cbr that I still owe them. Navient was paid XXXX XXXX, XXXX ... Please see attached acknowledment for Navient that loans were paid. 

Loan opened XXXX/XXXX/XXXX in the amount of {$5500.00} XXXX Current balance {$5900.00} Loan opened XXXX/XXXX/XXXX in the amount of {$3500.00} XXXX Current balance {$3700.00} Loan opened XXXX/XXXX/XXXX in the amount of {$1500.00} XXXX Current balance {$1700.00} XXXX currently are reporting that I owe {$180000.00} in loans - inaccurate ... 
XXXX currently are reporting the balance owed as {$170000.00} - correct amount ... 

Navient wants to continue to state that it 's the cbr agencies fault and the reporting agencies refer me back to Navient when I call. I am needing for this to be corrected immediately ... To date XXXX/XXXX/XXXX the above mentioned loans are still reporting as owed to Navient in addition to these loans have been now ALL consolidated with XXXX my other student loan servicer. Meaning the loans are being reported twice. My debt ratio has increased unnecessarily an additonal XXXX plus. 

I moved the loans simply because Navient has handled my accounts poorly since XXXX and do not take any ownership when they make mistakes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-13
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 status incorrect

Complaint:
After checking my current credit report, on XXXX XXXX, XXXX I contacted Experian again in hopes to resolve an ongoing mistake on my credit report. I spoke to a lady name XXXX, when I contacted them.There were multiple unauthorized inquiries on my credit report that has re appeared without notice, They I was notified originally during two separate system breaches that the inquiries had appeared through another reporting agency but it shows the unauthorized inquiries through this agengy as well. I eventually got them rightfully removed but as mentioned above they are back. I would like to have them removed because they are not authorized to be there. I am very familiar the FCRA and my rights as a consumer and I no longer want this reflecting on my report. 

Name : XXXX XXXX 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 2019-07-23
Company: DISCOVER BANK
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
There was money remove from ny checking account 2 or 3 different time, I found it and turn it over to the my bank, and they reinburse my account, they was trying to get money out of my account went i was standing in the bank reporting it, i all so see a hard inquire from a credit card that i did not do, went will this stop, i Have to keep a watch on my account everyday because of this, they was small amount that was remove, but went will they take a lot out, someone has my information in how they got it i don ; t  know, but it all so making credit hard to get a loan due to hard inquires that been made by someone, Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: EQUIFAX, INC.
State: NC
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:
I have tried to explain to the credit bureaus I have not given the creditor nor the credit report agency permission to request my credit profile nor requested the credit reporting agencies to put this on my credit file and I have credit with none of these creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed that I had an account in collection via my credit report for XXXX XXXX XXXX and this debt was being persuded by a company called Credence. I contacted the debt collection company and XXXX XXXX XXXX and requested this debt be verified and validated. XXXX XXXX XXXX did not have an account attached to my social or the account number given by Credence. I received a letter in the mail from Credence on XXXX/XXXX/XXXX with a billing statement. Upon reading through this document I discovered several inaccuracies including a billing statement dates of XXXX/XXXX/XXXX to XXXX/XXXX/XXXX with a payment due date of XXXX/XXXX/XXXX, the letter was dated XXXX/XXXX/XXXX, an non residential address, and an invalid account number given by Credence. I contacted the company directly about my worries about this obvious docted document and they informed me they received it directly from XXXX XXXX XXXX. I pulled my credit report and this debt is reported on XXXX/XXXX/XXXX. Credence is standing by their story that this document came directly from XXXX XXXX XXXX and they are demanding immediate payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I rented an apartment through XXXX that turned out to be a scam. I did my due diligence as well as I could, but transferred {$3000.00} to the scammer through XXXX on XX/XX/XXXX. When I arrived in XXXX XXXX on XX/XX/XXXX, the apartment was not even owned by the scammer in question. I reported it to the police in XXXX XXXX. I assumed that XXXX had fraud protection, since it was sent through Wells Fargo, my bank, but it didn't. I looked into how to get the money back but since it went through before I knew it was a scam, there is no way to dispute 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 2018-06-05
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I obtained a loan for {$2000.00} from the business " Cash Central '' in XX/XX/XXXX. The loan defaulted and I owed a balance of {$2200.00}. It was sold to a third party in XX/XX/XXXX and the balance was paid to them in XX/XX/XXXX.  Cash Central has confirmed in their system that my account shows a balance owed to them of {$0.00} ; however, they continue to report to XXXX  that I have a past due balance of {$2200.00}, significantly impacting my credit. 

I'm currently obtaining a mortgage and was just on a 3 way phone conference with my lender and Cash Central. The mortgage is going to be fine because Cash Central confirmed a {$0.00} balance ; however, the fact remains that they are incorrectly reporting my balance to XXXX. 

The loan officer said he was confused because no company is allowed to continue reporting a past due balance once they sold the account and are no longer owed by the consumer. 

They confirmed that they will forever report a past due balance of {$2200.00} to the credit bureau despite the debt having been paid. 

The phone conversation was recorded and they are sending me a letter confirming this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
XXXX and Transunion have yet to show me verification that the negative items such as XXXX and XXXX XXXX XXXX and XXXX XXXX is my account it has been more than 30 days I have sent verification that the XXXX was paid off by my insurance company as a toll lost and they have yet to remove it. XXXX XXXX as well never late I have a 10 days after my payment to make a payment and they have been reporting lating this is affecting my credit score tremendously

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 2019-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was charged {$570.00} from my bank account. It was from one service that I had previously had subscribed to and CANCELLED. The other charges were for a Trial that I CANCELLED as well. Bank of America originally credited back my account. However now they are saying that they are undoing that. I DID NOT AUTHORIZE THESE CHARGES. I CALLED AND CANCELLED THEM. I SHOULD NOT BE CHARGED ANYTHING. THIS IS RIDICULOUS. I WILL NOT BANK WITH THEM ANYMORE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Greetings, I have disputed inaccuracies on my credit report with XXXX, Experian and XXXX as well as XXXX. XXXX removed the inaccuracies due to identity theft/fraud to which a police report was provided to ALL credit bureaus. However after several disputes to XXXX, Experian and XXXX  all has stated that the information has been verified. I have additionally sent letters asking for their method of verification, and the only response received is that the information is verified. I have contacted XXXX as XXXX  is their 3rd party vendor, verifying said information, to which I received a letter from XXXX that that the inaccurate information was removed as well as they provided me with an updated credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation