BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-13
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 requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible! 

The accounts I am talking about are : XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX, ACCT NO.XXXX IS FRAUDULENTLY APPEARING ON XXXX , XXXX AND TRANSUNION REPORTS. 

XXXX XXXX IS THE THIRD COLLECTOR IN A ROW FOR THE SAME XXXX DEBT, THE ORIGINAL CREDITOR. 
THE PREVIOUS TWO COLLECTORS XXXX XXXX AND XXXX XXXX   WERE DISPOSED OF PREVIOUSLY BY CFPB COMPLAINT AGAINST ALL 3 BUREAUS.I HAVE ATTACHED XXXX CFPB COMPLAINTS BUT ALL 3 BUREAUS RECEIVED THE SAME COMPLAINT AT THE SAME TIME AND ALL 3 BUREAUS DELETED

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 2021-01-22
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
To whom it may concern ENHANCED RECOVERY CO # XXXX is an account that was legally discharged in a bankruptcy USBK COURT XXXX OHIO Docket # XXXX. Please delete this account at once it is an error!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: Experian Information Solutions Inc.
State: AZ
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 wife and I filled chapter XXXX bankruptcy almost 7 years ago however we did n't file on morgage with chase who house is financed with. We keep house and keep up to date. It was in bankruptcy as not included and there was no dispute in court about no filling and keeping house. We have since also done a new loan modification as well however ever since bankruptcy the mortgage with chase will show up as a closed paid account or included and closed for bankruptcy. Different credit reports show different things or nothing at all. We habe asked lender to fix this several times and also filled many disputes with 3 major credit reporting companies and it never gets fixed or updated. Due to this we are unable to refinance house and get a equity loan. We need both my wife 's and mine credit reports fixed since mortgage was exempt on bankruptcy and also a new loan was done. This is affecting our credit and life.

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 2018-07-10
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX, I submitting a letter requesting that my personal information be corrected. Experian received my request on XX/XX/XXXX. On XX/XX/XXXX, I sent a follow up letter requesting correction to my personal information that Experian received on XX/XX/XXXX. Today, XX/XX/XXXX, I called and requested status of my dispute and also informed the agent that I had additional disputes that were not handled properly. I requested removal of hard inquiries that I did not authorize. In additional, I requested verification of false information reported on my credit. My concerns are not being addressed at all. Today I was passed to 3 agents and two of them transferred me to a Special Services Department and I was prompted to input my information numerous times and unfortunately I was not able to successfully speak with an agent. I was informed by the third agent that I had a special agent assigned to my account. My requests are valid and I don't understand why I am assigned to a special department. I was wondering if you would assist me prior to me taking legal action.

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 2018-07-10
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed a loan from Speedy Cash for {$880.00} the last week of XXXX and I was informed only about my payment due dates on the days I get paid from my job which were {$120.00} at the time. On XX/XX/XXXX, I paid {$300.00} on my due date to drop it down to {$580.00} left to pay it off. Whenever I do my payments I receive an email and a text message of my updates. Today on XX/XX/18, I was going to pay {$200.00} to bring the loan payments down and as I checked it, my payment went up {$120.00} that I have to pay {$700.00} which shocked me. I was never informed about interest or my loan would increase within 4 days. What will be the point of doing my payments if it will increase back up within 4 days, which is putting me in a financial struggle and I need assistance on finding a solution for this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2018 I missed making a Citi Card payment because my father passed away unexpectedly. Citi Card contacted me that week and let me know I missed my payment and asked if I was in a position to make a payment. I said yes and made a payment over the phone of {$150.00} which was over the min amount due. The balance on the card was at a little over {$500.00} and my credit line was {$3300.00}. Without my knowledge or any notification Citi Card reduced my credit line to {$770.00}. When I called today ( XX/XX/18 ) to see what my outstanding balance was I then found out they reduced my credit line. When I spoke to the 1st customer service rep I was told the reason why my credit line was reduced was because XXXX  showed I was seriously delinquent on another account I told the rep this was completely wrong and I wasn't delinquent on any accounts. When I told the customer service rep this information was wrong I was told to file a report with XXXX   but there was nothing they could due, I asked to speak to a mgr. After going through 3 different depts. and speaking to 6 different  people I finally got to XXXX ( employee number : XXXX ) in client service escalations. He told me he reviewed my XXXX   credit report and agrees there is no negative reporting but the only was he would be able to restate my full credit line was to take my annual income and monthly rent/mortgage amount, complied and gave him both. He asked me to hold and came back after a few mins and said that even though Citi made a mistake he was unable to fix the mistake and restate my full credit line because my debit to income ratio was to high. I explained to him this mistake it now effecting my credit score and could negatively effect in other ways and what is he going to do it help, he told me nothing. I also explained to him that this was the 1st time I was ever late on this card and the reason I was late was because I was dealing with the death of my father. He said unfortunately there was nothing he could but put a note in the file and a supervisor MAY or MAY NOT review the file and MAY or MAY NOT call me back. I let him know I expected a call back and I was filing a complaint with the CFPB

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 2018-02-09
Company: U.S. Auto Sales 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:
My fianc and I financed a car thru at called USAUTO in XXXX XXXX GA back XX/XX/XXXX. AWESOME car it was 14,000 ( est. ) well we was having financial problems and they came and got the car XX/XX/XXXX. We got back on our feet and called about trying to recover the car, I was told that the car was sold at a auction for XXXX but theres still a remaining balance that we have to pay of XXXX. I have been received phone calls but no letters. Its on my credit and its hurting us because I dont understand why I have to pay a remaining balance and they already sold the car. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: U.S. BANCORP
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-11-24
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I am XXXX XXXX my account was blocked on XX/XX/2020 and I have a balance of {$1300.00} with happen to be my rent money can I get my money back. Hence cant be allowed to use Cashapp anymore but I need my rent money back plz. My Cashapp they said is blocked but they dont want give my money back Account name : XXXX XXXX  Phone XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/18 I checked my account online to find 2 unauthorized charges. I contacted them immediately both charges were pending.. they paid XXXX 2 charges {$190.00} {$240.00}. XXXX is slow to get back to me..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Never received a written notice of debt. I didn't know the company existed until they report to my credit without receiving a written notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: The Bureaus, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called XXXX to inquire about the account of my deceased husband, M.F. SS # ending XXXX. There was an account with XXXX XXXX. It shows as a delinquent account on my credit report. 

When I reported my husbands death to XXXX XXXX XXXX, I guess they were representing Bureaus Inc. But I really don't know who is representing who, I was informed that I would not have to pay. So the account was closed and sent back to Bureaus Inc.,  When I called XXXX XXXX the told me to contact Bureaus Inc.  When I got in touch with someone they told me to call XXXX XXXX XXXX. I was able to write and send an email on XX/XX/2019 to Bureaus Inc and I have not heard anything from them. 

I heard from XXXX XXXX, and they stated that they do not have the account. 

My goal here is to clear my name from this account as paid in full or have it taken off of my credit report. XXXX  XXXX said they don't have the account, XXXX XXXX says they do not have the account so now it's on Bureaus Inc. 

Please clear my name from my deceased husband 's account from XXXX XXXX. Acct # ending XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
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:
The following are FCRA violations. 

XXXX  XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative Status Collection account. {$800.00} past due as of XX/XX/XXXX. 
Account Type Collection Balance {$800.00} Date Opened XX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative Status Collection account. 
Account Type Collection Balance {$500.00} Date Opened XX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative Status Collection account. {$480.00} past due as of XX/XX/XXXX. 
Account Type Collection Balance {$480.00} Date Opened XX/XX/XXXX Dispute Revolving Accounts show tooltip button XXXX XXXX XXXX XXXX Status Paid, Closed/Never late. 
Account Type Credit card Balance - Date Opened XX/XX/XXXX Dispute Installment Loans show tooltip button XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative Status Account charged off. {$3300.00} written off. {$2700.00} past due as of XX/XX/XXXX. 
Account Type Secured Loan Balance {$2700.00} Date Opened XX/XX/XXXX Dispute U.S. DEPARTMENT OF EDUCATION XXXX potentially negative icon Potentially Negative Status Collection account. {$7500.00} past due as of XX/XX/XXXX. 
Account Type Education Balance {$7500.00} Date Opened XX/XX/XXXX Dispute U.S. DEPARTMENT OF EDUCATION XXXX potentially negative icon Potentially Negative Status Collection account. {$4200.00} past due as of XX/XX/XXXX. 
Account Type Education Balance {$4200.00} Date Opened XX/XX/XXXX Dispute Wrong names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong addresses : XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2019-10-31
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 fraud alerts or security freezes

Complaint:
REMOVE FRAUD ALERT OFF XXXX, EXPERIAN, 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 2021-01-30
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 I tried making a purchase through XXXX for {$250.00}. The transaction was DECLINED. However it still withdrew the money from my account. Called XXXX and was told needed to file a dispute with my bank ( card issuer ) because since the transaction declined they have no record of it therefore cant refund my money that they didnt receive. Filed a dispute with Simple/BBVA on XX/XX/2021. On XX/XX/2021 received an email from Simple/BBCA saying it was denied. 
The reason ( s ) for denial : -Your assertion of error does not conform with facts and transaction activity. There is no evidence that an error took place. 
-There is no evidence that this is a duplicated charge. Each transaction has their own identification and authorization code. If you believe there is still an error, please make sure to reach out to the merchant for a refund. 

Im out {$250.00} that I desperately need and XXXX says that!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
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:
remove the ftc violation sent to XXXX XXXX and experian still showing 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 2020-05-18
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have an issue dealing with a merchant through Paypal. I have attempted to resolve thie issue directly with the merchant and he refuses to respond. I was able to dispute some of the charges but not all of them due to them exceeding the 180 day mark. Now please read this part as it s important. There were payment installments made on one single invoice which is Invoice XXXX from unluckydinobear. Some of those charges can be disputed but others can not. Can you please dispute the entire invoice as it was only recently paid off back in XX/XX/XXXX? There are a few disputes already open with paypal so please refer to those.The total on the invoice is {$1300.00}. XXXX. 

XXXX and Invoice XXXX All of these charges are for the same product on the invoice which totals XXXX. These " indisputable '' charges '' date back from XX/XX/XXXX to XX/XX/XXXX. I was able to dispute the ones from XXXX. 

Paypal will not assist me in getting a refund despite the merchant not complying and the charges being attached to one invoice. XXXX XXXX will not assist me in this matter either despite me filing a complaint through their ACH dispute department.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-14
Company: CITY NATIONAL BANK
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I emailed, called city national bank customer service several times during the past 2 weeks to close my card. They stated only my banker will be able to close it and they have sent an email to my banker to close the account and will get back to me within 48 hours. However, it has been 2 weeks after 3 unsuccessful phone calls to close the account. I also personally called my banker, got voice message and did not hear back. All I need is to close my city national bank crystal credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Made several calls to creditor as well as credit bureaus. made dispute with credit reporting agencies including sending letters.agencies are very beligerint and refuse to take action. this is not my account. XXXX  & Experian still have not taken any action. 
XXXX  removed derogatory mark.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a letter on XX/XX/XXXX form XXXX XXXX XXXX XXXX they are collecting a debt on behalf Citibank NA. The letter is in Spanish but is a settlement offer to resolve a my debt with Citibank. The offer is good until XX/XX/2020. 
I contacted all my family members to get all the money together and pay the offer. Today XX/XX/XXXX I called to this collection agency to take the offer -remember the offer is good until XX/XX/2020- but I was informed that the account was recalled from Citibank. 
This is a unfair communication tactic from the Bank and form the collector since they made an offer and later decline it. For me sounds like Citibank is just playing and do not understand cases like mine where customers are making the best to resolve debt problems. 
I called Citibank to try to get the same offer and pay it, but I was informed that they could not locate my account since the account was recalled and I will receive a call from a Law Office in the following days.

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