BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-09
Company: PRESTIGE FINANCIAL SERVICES INC
State: VA
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 had the account for 3 years and never missed a payment until the end of the loan so they claim. They are reporting current no past due history with XXXX, XXXX  late 30 days ( XX/XX/2019 ) and XXXX ( XX/XX/2019 ). This company has never even sent a statement advising that that the account was past due and the statement that I did receive showed an incorrect balance. I reached out to the company and requested to have the 1 late payment removed as a Goodwill, it was declined due to FCRA guidelines. The credit bureaus advised me to contact the company and ask for a deletion since the account had been paid in full and the negative history was hurting my score. The company stated that it was against their policy to do so. I think that this company has discriminated against because they use unfair tactics, they never reported a late payment until the account was closed, never sent a statement with the correct balance showing that my account would be past due and has violated FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
On or about XX/XX/XXXX I received alerts from my credit monitoring services that Toyota Financial Services reported my loan to be delinquent to the Credit Bureaus. I contacted Toyota Financial Services and explained what has happened and they opened a dispute claim with the Credit Bureaus and resolved the issue by XX/XX/XXXX. My account is open and current since first opening in XX/XX/XXXX. Then on XX/XX/XXXX I received alerts about my Toyota Financial Services account again being falsely reported as delinquent. I called Toyota Financial services again on XX/XX/XXXX and they submitted another Dispute. My credit score keeps taking a hit, why is Toyota Fraudulently reporting false information to the Credit Bureaus? I need assistance in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-10
Company: SYNCHRONY FINANCIAL
State: SC
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 credit inquires on my account that are inaccurate and did not happen with my knowledge.

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 2020-09-10
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I contacted my bank and requested that a payment be stopped on an account. I was charged {$31.00} to stop payment. Reference number is XXXX. 

A few days later my account was short {$97.00}. The payment was allowed to go through, disregarding my request. The car insurance company was abusing my identity and overcharging me, because I'm a senior citizen. 

When I opened the insurance account, I realized that my former employer was linked to my account.XX/XX/XXXX My former employer was abusing my identification. 

The email address being used was XXXX. I've been a victim of identity theft and I reported this matter to XXXX XXXX XXXX. 

Wells Fargo claim number for investigation is 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 monetary relief
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: VA
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: ENCORE CAPITAL GROUP 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:
The company Midland Credit Management is reporting to the credit bureaus that I have 4 accounts with them in which I don't. I do not have an obligation to pay this company anything because there was no notice sent to me from the original creditors saying that this account was sold. Furthermore, they are reporting duplicate accounts with the same account number, but different balances. How is this accurate? The only balance that I've had was with the original creditor XXXX XXXX  FOR {$660.00} and XXXXXXXX XXXX for {$1200.00}, so why are there 2 other accounts reporting? I am under the impression that my information was compromised being that I was involved in a data breach in XXXX which I will attach my claim to this complaint. If you can not prove that I owe the alleged debt, provide a copy of my id and ssc, original contract bearing my signature, license to collect debt in the state of Texas, and explanation as to why there are 2 accounts reporting for account number XXXX and 2 accounts reporting for account number XXXX then remove these account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
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 information incorrect

Complaint:
Equifax, XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TRANSWORLD SYSTEMS INC
State: NC
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 been in contact with the alleged debt agency TransWorld Systems about a frivolous debt that has surfaced on my credit report. I have been in contact with the debt agency twice within last 90 days and no response or legible documents proven I owe this debt. They are robbing, badgering my credit with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: STERLING JEWELERS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: Focus Holding Company
State: FL
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:
XXXX XXXX XXXX falsely reported a bill that I had not paid to collections. This was a false report because I had changed my plan from one type of XXXX XXXX XXXX product to another and because of their erroneous billing practices they continued billing me for my previous product even though I had switched to a different product of theirs and told them to cancel the previous product. Furthermore they made no attempt to contact me before sending their mistaken debt to a collections agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: Experian Information Solutions Inc.
State: CO
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 sent multiple letters disputing the validity of this account being mine and requested XXXX to provide me proof, bearing my signature, that I have ever had opened this account. And from the responses that I received back from XXXX after disputing this account over the past few years, were statements with my name on them. The statements included addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX  CA XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. 

XXXX states that these statements show valid proof that the account is mine, but I have never lived at any one of theses addresses. Nor have I ever disputed fraud charges with XXXX from which they stated on a recent letter, that a copy of a Declaration of Fraudulent Charges was sent to my prior address where they claim that I signed and returned to them. I never received such Declaration because I never lived at the addresses that were on the statements provided, and I have never signed any such documents because I have never lived at the addresses that were on the statements provided. My wallet was lost/stolen years ago, and I have called up each bank and credit card company that I had accounts with and cancelled each card. I NEVER called up XXXX because I NEVER had a XXXX account. 

My credit file with my social security that is reported to the credit bureaus, including but not limited to Experian, XXXX, and XXXX, all have " Fraud Alerts '' because of such IDENTITY THEFT activities. 

This is not my account with XXXX, nor have I ever had an account with XXXX. I request to have this account removed/deleted from all of the credit bureaus, including but not limited to Experian, XXXX, and XXXX, along with any negative remarks associated with XXXX, as it is severely damaging my credit file. I also request to cease & desist all communication with XXXX, written and/or telecommunication.

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 2023-01-02
Company: EQUIFAX, INC.
State: SC
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Reliable Credit Association, 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:
I received emails about inquiries on my report

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Experian Information Solutions 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 status incorrect

Complaint:
The inaccurate entry being reported under Experian. I have repeatedly asked for evidence to support your reporting, but yet again, they failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXX  which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 

The account has not been updated since XXXX 2019 ... ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
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: Account information incorrect

Complaint:
In XXXX of XXXX I requested an income contingent repayment and was denied and told by the representative that I was ineligible. In XXXX of XXXX I was subsequently enrolled in an repayment plan and told that after six successful payments my late payments would be removed. After six successful payments and several calls and letters, the creditor refuses to update the payment status on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: STERLING JEWELERS, INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I have tried on numerous occasions to get this debt removed. It doesnt not belong to me. I am a victim of identity theft. Police Reports were filed and there is a note on my credit bureaus as well as with the FCRA. Kay Jewelers ( XXXX ) has been trying to collect a debt from me that I do not owe. I have provided my ID, place of residence etc and asked them to provide me with this collection info to no-avail. This is sitting o not credit report and making it difficult for me to obtain things that I need. I am livid! How does one allow someone to get credit under someone elses name with our actually providing the correct information?? 

I need this collection item removed upon receipt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
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 is missing that should be on the report

Complaint:
I ve had an account with XXXX  XXXX open XXXX  XXXX  since XX/XX/2012 until current. Ive attached a bill from past to confirm im daying the truth. I was victim of identity theft and open XXXX XXXX fixed the error. The credit bureaus have not updated. This account as XXXX. Time never late. Credit limit is 500 anf balance is only XXXX dollars. Please have credit bureaus update records

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
When I canceled a Citibank AAdvantage credit card with a fee, I was informed that if I wanted a credit card, I should go with the mile up credit card because there is no fee. There was also a promotion of XXXX miles and a {$50.00} credit if you spent {$500.00} within the first three months. 

When I contacted them about the promotion, I was told I did not qualify because I had canceled the card with the fee.

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 2020-06-02
Company: WELLS FARGO & COMPANY
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:
There was an unauthorized transaction for {$94.00} on my account. So I tried to dispute it, when I sent in the information some of the dates were wrong so I attempted to change it. But there is no way to edit or reopen a closed transaction which I only learned later on. So now I can not dispute the transaction. This is with wells fargo bank.

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 2018-07-17
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was stolen by someone and XXXX XXXXXXXX XXXX never contacted me to indicate that I owed a debt of any kind. I looked on my credit report and noticed a fraudulent account. I took the necessary steps but XXXX XXXX XXXX took the debt and they gave me the run around for an Affidavit which NEVER came to my house. They never indicated to me that they XXXX XXXX XXXX was very negligent in getting this issue resolved and they're using another party to collect this debt I do not owe. Thankfully, XXXXXXXX XXXX XXXXXXXX have sent the Affidavit and I am going through a painful process of getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
PNC refuses to reimburse overdraft fees, despite repeated pleas and proof of significant income loss due to COVID. My account is now in the negative by over {$500.00} due to fees. I was given the Covid credit and verified with the bank that it was not going to be reversed. There were two communications via their online chat. On XX/XX/21 a representative wrote to me " Those credits will not be reversed. One it was discovered to having a Hardship due to Covid-19, PNC is able to issue credit to support you. '' OnXX/XX/XXXX I verified with another representative who wrote to me : " Happy to Help, I do not show notation that Covid Temporary Credit will be reversed. I show the funds will be available on XX/XX/21 ''. Instead the credits were reversed, another representative told me to go and read the " fine print '' of the Covid waiver, and, to date, I have been charged overdraft fees in excess of {$500.00}. Repeated attempts on my behalf to get this resolved have been futile. It is criminal what PNC is doing to its customers. Ethically and practically, there should be a moratorium on fees. Customers should not have to begging for leniency, only to be dismissed by customer service agents who have clearly been given a script by the corporate controllers. Shameful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-09
Company: ONLINE Information Services, 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 5 collection on my XXXX report that do not belong to me. They range from $ XXXX {$510.00}. I have at least 3 disputes and they keep saying it is mine. I called online information services ( collection agency ) and they verified it is not mine. XXXX individuals stated they can't not correct it. The last time I called I was left on hold for at least 10 minutes then they disconnected the call. This has dropped my score 56 points and I still got no help. This has been going on for almost a month. I don't know what else to do to get it corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17
Company: Experian Information Solutions Inc.
State: TX
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:
Dear CFPB, My name is XXXX, Im writing in to complain about Experian. 

They refuse to delete a charge off from a company XXXX XXXX XXXX : Ive disputed this account many times and they refuse to delete this account that is just parked there without reporting or sending me any original signed contract that Ive signed. 

XXXX XXXX XXXX XXXX Account Number XX/XX/2013 Date Opened Recent Payment Amount Its seriously hurting my credit score.

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 2023-01-02
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: Information belongs to someone else

Complaint:
I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many inquiries that need to be DELETED. The credit bureaus must verify these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed inquiries be DELETED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief