BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-24
Company: EQUIFAX, INC.
State: MO
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 and XXXX are reporting incorrectly that I am 90 days past due on the XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 22 and 23 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was online reviewing cc statement when I did an online chat with XXXX id # XXXX. He said I could lower my rate to 10 % but no more purchases allowed and my recurring charges would stay and I can keep access to my points I've earned. He even said I should get a gift card with my points. Two days later I had zero access to my point and my account was being treated as I was in collections. I called back requesting it back to normal and multiple agents said yes we will fix. I keep calling back and they say I'm denied and they pulled my credit. I did not give permission for them to do that. I've never been late and the points I've earned are gone. They on my last but XXXX call they XX/XX/XXXX they would escalate it and have management call me back. Today I get a call from an agent XX/XX/XXXX leading me that he is the escalated manager and they at the end says Im the XXXX the guy you spoke with ... very shocking and I said fix it. He said no. I said why did you just miss lead me. He did not care! You told the wrong info and all he could say is call the rewards center he don't know now. I just cant understand why this is happening. I would never give up points I've earned. Its like a ha ha we got you. I've never been late either.

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 2020-04-18
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:
Despite informing credit bureaus several times of the case with XXXX  XXXX but I filed before this case several times regarding a fraudulent purchase whereas the dealership in the salesman himself ended up prosecuted and doing time in State prison for ID theft. Is it gainst federal regulations to continue to display negative information on my credit report once credit bureaus have been informed. XXXX  XXXX is quite aware of the incident with XXXX XXXX and the dealership supposedly sold me the car something I am still trying to wrap my head around on how it ever happened.

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 2023-07-11
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I just went through a bankruptcy and have been trying to get my payment deferred or lowered while I am working with my attorney to discharge these loans. These loans are predatory and have doubled from interest over and over again. One loan originated at {$3200.00} and I still owe {$19000.00} after making {$7800.00} in payments. The other loan originated at {$4900.00} and I still owe {$30000.00} after making {$12000.00} in payments. The interest rate is at 18 %. 

My student loans through the government are being discharged because the school that these come from are XXXX XXXX XXXX and the school is no longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 16 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
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 16 XXXX XXXX XXXXXXXX

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 2016-10-26
Company: Asset Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
This caller has called repeatedly called late at night, sometimes after I have fallen asleep and wakes me up. I know this debt is under XXXX if that much with the fees they keep adding. This is definitely not the original creditor and none that I recognize. I just want these late night calls to stop. I have also received calls early in the morning while still sleeping before XXXX. These calls are very annoying.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I purchased this vehicle in XXXX through XXXX XXXX XXXX. During the signing I was told that I was to put down {$1500.00} and a trade of my XXXX XXXX. I informed them that I did not want the gap coverage. I was not only charged for gap coverage they added extra items onto my account such as warranties and auto maintenance coverage. I was not told they were adding these fees under financing. When my wife looked over my forms she discovered all these erroneous fees. Approximately a few weeks after purchasing my vehicle, the dealership went out of business. I contacted Credit Acceptance to ask them to remove and reimburse me for the fees charged. I was told that they don't refinance and that they can't take off the excessive fees and maintenance that I was charged. I have now retired and am XXXX and I can't continue making these extra fees. I would like an investigation into this and I would appreciate any assistance you could provide. 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 explanation
Consumer complaint received 2021-04-30
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX I have a debt collection with ic systems Ive previously contacted public storage to try to solve this problem but they have no recollection of this they cant find it in there system but I can still se sit on my credit report I refuse to pay for something I had nothing to do with and this is why Im reporting this.

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 2023-09-28
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I was contacted Via phone by this company and they tried to extract personal information from me but didnt disclose they were doing so to collect a debt. When I asked if they were a debt collector they said were IC Systems and when I kept asking they kept repeating the same answer. Debt collectors are supposed to tell you they are calling in attempt to collect a debt. They wanted all my personal information and didnt disclose they were trying to collect a debt. They need to disclose theyre a debt collector before they talk to 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 explanation
Consumer complaint received 2017-03-23
Company: BB&T CORPORATION
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I am late on my car payment and Regional Acceptance Corp has been calling at least XXXX of my friends yesterday. This is illegal in Florida to my knowledge and I would like to file an official complaint.

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 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
in accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

account XXXX XXXX # XXXX account XXXX XXXX  # XXXX account XXXX XXXX # XXXX account XXXX XXXX # XXXX account XXXX XXXX # XXXXXXXX XXXX XXXXXXXX account XXXX XXXX XXXXXXXX 15 U.S.C1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate this invacuate this is causing me not to get a place to live apply for credit cards a new truck to work.

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 2016-10-08
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Other

Complaint:
This account has a last payment date of 2010, when it was settled for less than the full balance. This account should be seasoned/aged off my XXXX, and XXXX credit bureau 's since this account is over the 6 years and 6 months since last activity. This reporting is in violation of the XXXX system, since the XXXX credit bureau have seasoned this tradeline off my XXXX credit report. I would appreciate your help in having this trade line removed from my XXXX and XXXX credit bureau Thanks 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 2023-07-11
Company: PENTAGON FEDERAL CREDIT UNION
State: GA
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:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

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 2022-09-13
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: Public record information inaccurate

Complaint:
Ive submitted documentation to XXXX XXXX, Experian, XXXX and XXXX indicating that there is a bankruptcy listed on my credit report ( s ) for which is inaccurate. Ive contacted the court for which they have claimed to receive documentation from who denies any information pertaining to a bankruptcy under my name is accurate. This documentation was submitted to the credit bureaus and XXXX XXXX. Ive tried disputing the bankruptcy numerous times for which they have failed to remove it and now I shall take 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 explanation
Consumer complaint received 2023-05-19
Company: Source Receivables Management LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I am writing to file a formal complaint against Source Receivables Management regarding their inappropriate conduct and harassment during our recent phone conversation seeking resolution and requesting a modification to the method of communication between us. I have received multiple phone calls from Source Receivables Management in relation to an outstanding debt, and I must express my disappointment in the unprofessional and disrespectful behavior exhibited by their representatives. Their tone, language, and persistent attempts to intimidate me during these calls have not only caused me significant distress but also violated the rights afforded to consumers under the Fair Debt Collection Practices Act. 

I firmly believe that all individuals should be treated with respect and courtesy, regardless of their financial circumstances. I kindly request that you investigate this matter thoroughly and take appropriate action to address the unprofessional conduct exhibited by this terrible company. 

Furthermore, I am requesting a modification to the method of communication between Source Management and myself. In light of the disrespectful phone interactions, I kindly request that all future communications regarding this debt be conducted via email or mail. This will not only allow for a more efficient and documented exchange of information but also help ensure that any misunderstandings or disputes can be resolved in a calm and measured manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
At XXXX XXXX today someone from PNC called and said they were responding to my complaint. However they are sticking with their fake story. They refuse acknowledge their mistake. The only solution for me and all others who have been wronged by PNC. is to nvestivate them. And thats is the only way that they will correct their bad behavior and ripping of their customers. There is over 1400 complaints against them on XXXX XXXX Their practices are illegal and fraudulent and someone needs to check their transactions and bring charges against PNC. They need to appear in Congress before a banking committee. 
They will not change their behavior or acknowledge their errors unless actions are taken against them. I put in a complaint against them on the XX/XX/XXXX on your site.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with Wf Bank Na. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX   and Wf Bank Na with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

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 2023-05-15
Company: Experian Information Solutions Inc.
State: MA
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:
This what happened i went to a car dealership tying to applied for a car at XXXX, and XXXX say they was going to pull my credit report. When they did they found a phew hard inquiries 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
Consumer complaint received 2021-09-13
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 is missing that should be on the report

Complaint:
My consumer file is inaccurate and incomplete. I am writing to you today regarding account ( s ) # XXXX XXXX XXXX XXXX ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX, which is not posted in my file. I am asking to you to correct this by inserting the missing information into my credit report file so that accurate information is being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my 2nd attempt to submit this complaint but then I think my request has been ignored by the bureau. I am certain that these accounts below are reporting erroneously in Transunion. I do not remember having these accounts with these companies. I don't think there is legal contract between these companies & myself. I would like you to provide me verifiable proof these accounts belong to me. I demand a signed contract which will prove a legal agreement. Please authenticate this information and provide me with copies of any documentation linked with these accounts which bears my signature. In the absence of any such documentation bearing my signature, please delete these straightaway. 

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
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I noticed a charge on my XXXX credit card from Transunion dating back 15 months ( XXXX XXXX XXXX ). I tried to report fraud when I noticed it and changed my credit card on Monday XX/XX/XXXX. XXXX. Then, without my authorization, my new credit card was charged the same $ XXXX on XX/XX/XXXX. XXXX asked me to resolve it with Transunion and have the monitoring service stopped and reimbursed since I did not sign up for it. I called Transunion SEVEN times on XX/XX/XXXX and was hung up on, transferred and not helped until the SEVENTH call when I was transferred and then escalated. Finally, they determined someone named XXXX had falsely signed up for this service using my information and said they would cancel and reimburse me. I was horrified by the process of just getting to someone who could help resolve this. They couldn't help me any further in the fact that clearly my identity had been compromised since someone was able to sign up as me. 

BE AWARE of any Transunion charges and the terrible process to cancel.

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 2021-11-22
Company: Kingston Data & Credit International Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is making a fake charge under my name and has it on my credit report and accused me of having knowledge of this agreement where I owe {$2000.00}

Company response to consumer: Closed with explanation