BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-24
Company: EQUIFAX, INC.
State: WA
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:
Equifax is reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- STUDENT LOAN 1. US DEPT OF ED/XXXX  with ACCT # XXXX opened on XX/XX/2013 with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: Carter-Young, Inc.
State: NY
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:
During the XX/XX/XXXX-XX/XX/XXXX I was the guarantor for an apartment for my college bound niece. In XX/XX/XXXX, my niece moved from one apartment to another within the same housing development. I was unaware of this as I did not sign as guarantor for the XX/XX/XXXX-XX/XX/XXXX year. On XX/XX/XXXX I received a collection notice from a collection agency informing that there was an outstanding balance of {$270.00} owed to the housing development. There was no explanation of the charges, only the amount due. The letter also indicated that it was a final notice ; yet it was the first that had ever been sent to me. The letter stated that full payment needed to be received by XX/XX/XXXX. With one day left to get information about this letter, I immediately called the phone number provided. When I asked why this debt hadn't been collected prior to my niece moving from one apartment to another, the agent had not been aware that a move had occurred. My issue is that before my niece signed a new lease and moved into a new apartment, any outstanding debt she owed should have been collected. It was the error of the management company to allow her to sign a new lease, then a year later try to collect on this debt and not inform me prior to this final collection notice. I was very upset and requested proof of this debt in writing. The agent also became very upset because I expressed how little she knew about the account for which she was trying to collect this debt, and she transferred me to her manager. I refused to explain the entire situation again and just requested proof of the debt in writing once more. The XXXX asked for my e-mail address which I provided for her and the call ended. On XX/XX/XXXX I received an alert that my credit score had decreased by XXXX points. I was never given any notice of this debt prior to this single letter. My credit score was decreased before I had a chance to review proof of the debt which I didn't receive via e-mail until XX/XX/XXXX ; 7 business days after I had requested it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Stop trying to profit off the consumer. I in no way had a contract with 2 companies. Portfolio Recovery needs to prove they bought the debt with a bill of sale and contract on XX/XX/2017. XXXX XXXX needs to identity they are still the true owners of this account. You charged it off so did you sell it? If you sold it to Portfolio then you cant collect 2 x. 

Fix my report. You don't understand when a consumer loses their job, you try to damage them even more. You have to produce proof of ownership. If you own it then update my credit report to reflect original creditor date. I had a contract and you can not change the contract terms. 

You've paid off 0 % of your collection amount. 
Balance {$590.00} Highest Balance {$590.00} Opened XX/XX/2017 ( 1 yr, 3 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX  See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Creditor Information PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: CURO Intermediate Holdings
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:
Speedy Cash listed the negative item on my credit report under another name ( XXXX XXXX ) ... I have contact them and advised that the previous fees paid on the account should be credited and not have the pay the full amount pay. Need the negative item removed immediately. They have also done illegal active on the account to stay on the credit report ... .stating that I paid {$1.00} on the account so it can be active. Also making changes on the account, by changing the amount due on the account several months in a row.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: World Acceptance Corporation
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
In XX/XX/XXXX I opened up a loan with World Finance in  XXXX Indiana. I did really well making my payments until late XX/XX/XXXX I took time off from work due to health reasons and have been out of work ever since. At the time I did explain to them why I had not been making payments and that I could not afford to make any payments at all because I was not working. They did not continue to contact me up until late XX/XX/XXXX. I do apologize I do not have an exact date. A lady from the office in XXXX Indiana called me and told me that she is charging off the account as a negative account. I tried to again explain to her that I had spoke with someone before and told them that I was not working at the time. She then informed me that I should have been more responsible because she is not responsible for the loan, that I am responsible for the loan and paying it back. She then stated I could have used the insurance for the payment protection plan that I had but I never knew that it was in my contract as I do not have access To my contract at the moment. I explained to her that no one told me about that option and she stated that it was too late to use it. She then asked me am I going to pay the balance in full or she will just charge it off and send it to collections. I told her that due to my circumstances of being out of work I would not be able to make the payments at this time. She then told me that they could come after me for my federal and stage taxes. I meant to file this complaint a couple of months ago but it slipped my mind up until I recently viewed my credit report. Im pretty sure all of the calls are monitored and recorded at the XXXX location just like all calls for any company are monitored and recorded by any company such as world finance. I would like someone to pull the tape to find out the representative who threatened to take my taxes. Since then World Finance has not attempted to call me and collect any debt the only time they call me is to ask to speak to someone that I know that also has a loan through them that use me as a reference not once have they called me about my own loan with them. I am happy to pay the debt as long as they remove the negative remarks and negative charge offs from my credit report. I will also be filing a complaint with the XXXX and the attorney generals office

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
WHAT IS THE {$890.00} DOLLARS. UNTIL YOU EXPLAIN IN DETAIL WHAT IS THE {$890.00} ON A SECURED CREDIT CARD. IT IS MADE UP FEES. IT IS NOT CHARGES MADE BY ME. YOU ARE A XXXX CREDIT UNION AND CALLED ME XXXX ON NUMEROUS OCCASION. I WILL CONTINUE TO COMPLAIN UNTIL YOU GIVE A DETAILED ACCOUNT OF ALL MONIES I DO NOT OWE. THIS WAS A SECURED CREDIT. WHY CANT YOU EXPLAIN THE ADDITION {$890.00}. THIS SHOULD BE EASY JUST SEND THE CFPB AN ITEMIZED LIST. YOU CANT. YOU AREPATHETIC LIARS. ALL YOU DO IS LIE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
My application # XXXX from XX/XX/2018 for XXXX Credit card administered by the Barclay Bank Delaware was denied with no clear explanation. The general reason was stated as such : " The previous CC account that you held with Barklays Bank experienced charge off, bankruptcy, severe delinquency, or other negative performance ''. 

I do not recall having any of the above issue with previously owned Barclay CXXXX, which I had several years ago. I believe this denial based on age discrimination, I am XXXX XXXX XXXX and just retired last XX/XX/XXXXr.

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: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian has continued to report an account after being given all necessary documentation and proof that the debt is not owed to the company. The matter has already been to court and a letter was provided from the courthouse. No money is owed to the collector. It was an illegal eviction.

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 2018-09-18
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I'm disputing this duplicate credit entry. Tried to work it out, disputed with all 3 credit bureaus. No one wants to listen to me. We cant have double jeaporday. The originial creditor is claiming the debt as a charge off. and the debt collector is claiming the debt as well. If you own the debt both have to prove it. XXXX XXXX XXXX you need to stop acting like I opened this account on XX/XX/2016. That's a blaten lie. Show me the contract. XXXX XXXX is the original owner of the account. You are ruining my credit report with the double entries. 

You've paid off 2 % of your collection amount. 
Balance {$650.00} Highest Balance {$660.00} Opened XX/XX/2016 ( 2 yrs ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name 01 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
XX/XX/22 Bank of America pulled a hard copy of my credit report without my consent or knowledge. 
I reported to Bank of America and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-14
Company: Experian Information Solutions Inc.
State: SC
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 a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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: Conn's, 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: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid the account off. I was later told that there was a financial charge that was applied after I paid the account off. I then made that payment. Now each month they are charging me a finance charge when I totally paid it off. 

I have called and got a very rude rep that would not hear what I was answering.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-30
Company: LoanCare, LLC
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 was in forbearance and my bank loan care agreed on the forbearance terms. Once I was out of hardship I started making payments. My mortgage company loan care report missed payments to credit bureau which dropped my credit score from XXXX to XXXX. They return last payment and report missed payment. I have called the mortgage company numerous time but there has been no resolution yet. This is going one for almost a month and when ever I call I have been told they are busy and they have a lot of customer like me and it happen because of pressure from investors. I dont know if they are trying to get government fund by showing some numbers or what but as individual I have been devastated by this with no resolution in sight.

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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 USAA Federal Savings Bank received a deposited check in the amount of {$3400.00}. They made {$1000.00} available and put on hold {$2400.00} for four days, in which they released the funds after that time, I called the bank to inform them that fraudulent activities might have taken place with my account, the fraud department puts an additional hold on the check and another deposited check for {$840.00}, the bank informed me that the account or check was blocked, I never received the check for {$840.00}, however they're attempting to hold me accountable for the funds. I wish to seek remedy with the usage of the UCC laws, and banking obligations to customers, my money is suppose to be insured, I would like to file a lawsuit if possible for the FDIC insured money in the amount of {$250000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: Medical Business Bureau
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/XXXX I sent validation letters to XXXX XXXX XXXX XXXX in attempt to get VALIDATION not verification of said debts they claim I owe. The response I received back stated " Thank you for your correspondence. Please accept this letter in response. Please allow our company to acknowledge receipt of your request that we cease further communication with you about the above referenced account '. Please also allow our company to acknowledge receipt of your request for our company to verify or provide the validation of the debt. Please allow us to confirm that we have communicated with our client. '' And to today 's date XX/XX/XXXX I have NEVER received any validation of said accounts to my address as I requested from the company. However they continue to list this account on my reports. Validation is forwarding copies of the actual proof of the alleged debt and alleged account. I have received nothing from " XXXX XXXX XXXX, XXXX ''. I need a printed statement from the original creditor that validates the information reported on my Credit report. I have no recollection of such accounts these people claim I owe. What services were done, where did they take place, where is the actual bill of service? The account is reporting incorrectly on my report the company has FAILED to validate the alleged account to me in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have noticed some fraudulent accounts on my credit report. I have submitted a complaint with the Federal Trade Commission. I have also attached my documents and report. Please remove these accounts from my report. Thank You!

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 2018-09-18
Company: Fidelity National Information Services, Inc. (FNIS)
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had recently gottten my credit run and pulled by XXXX XXXX and XXXX XXXX XXXX. I was told I am not qualified to open an account due to what XXXX XXXX XXXX XXXX XXXX XXXX had REPORTED to XXXX and to the credit companys. As soon I was notified of this information I knew it was incorrect and as I am a victim of Identity theft and I have gone through similar problems I knew that this was not me and I had Never banked with XXXX XXXX XXXX or XXXX I have been with XXXX XXXX since 2004 and my home mortgage is also through them and I continued to stay with them. I had contacted XXXX XXXX XXXX Immediately via phone and I received NO HELP at all in fact I was told an Attorney can contact them if I thought this was Fraudulent. I then went into the Bank at XXXX XXXX in XXXX WA ( new location ) and submitted all my documents which included ID Theft Affidavit, Police Report, Credit Freeze showing proof that my credit is on freeze and alert, Social Security Letter showing that I notified SSA, Federal Trade Commission Report and more. I was rejected again and again. I also went into XXXX and gave them all the documents, told them I never banked with them and someone is using my Identity. I was ignored and no one helped. I am XXXX XXXX XXXX XXXX ( XXXX ) for XXXX as a Internal XXXX XXXX and my credit, my Identity and my value and worthiness is very important to me. I have had continues ID theft and its very hard for me to stop this without any help even after submitting countless amounts of documents. I am very tired of this and need XXXX XXXX XXXX and also XXXX to please remove me off their XXXX and also notify XXXX that this is an error on their end.

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: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
57 fraudulent charges totaling {$10000.00} made on my credit card between XX/XX/2019 and XX/XX/2019. 

Huntington Bank Mastercard Voice Rewards : I called company on XX/XX/2019 to report fraudulent activity on the card. I filed a report with the XXXX Police Department regarding the fraudulent activity. I have also identified legitimate charges. 

I also submitted documents related to the case to a personal banker at the HUntington Bank in XXXX XXXX, Illinois.

Company response to consumer: Closed with explanation