BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-08
Company: LendingUSA
State: PR
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 received an unsolicited hard inquiries to my XXXX credit report. I communicated with the company, explaining that I did not solicit said reports. Instead it was my brother, XXXX XXXX XXXX, who at the time was refinancing his credit options. Still, because my father 's home address was listed as one of my previous addresses, my credit was inquired for, along with my sibling 's. 

I had then erased my father 's home address from my credit report and am surprised to still find the unsolicited hard inquiries degrading my credit score. 

I have done no business with the following company, nor do I intend to, and am disappointed to still find their data in my credit reports. 

XX/XX/2017 XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I should not be held accountable for any other persons credit actions, save for my own. I request the information to be erased from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
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:
here are three issues One, I had a XXXX XXXX  Account number XXXX opened XXXX of XXXX they closed my account they bullied me by doing this and not looking into the matter. They put a late payment on my account XX/XX/XXXX XXXX This was an error because I have always been set up from auto pay ) when the rep called me about I asked what happened to my auto pay they could never explain why it did not take out a payment. I immediately made a payment with them over the phone. they were never able to see why the auto pay was stopped even though my bank showed no error on their end there was also funds in my account. They rep fraudulently entered me into some type of repay contract which stopped me from being able to use the card ) I didn't know that was cutting me off from my card. I was never late ever with my card. I used this card with pride. I continued to pay my balance down to XXXX they still would not let me use my card. Then on XX/XX/XXXX they closed my account. XXXX has ruined my reputation cause me to be denied for credit for a closed account and and false Late payment that was NOT from me doing anything wrong. this was a long running credit history with {$12000.00} line of credit that was taken from me without my authorization. They said they closed it due to a negative account from XXXX XXXX which leads me to my second issue. XXXX XXXX put an erroneous account, Account number XXXX on to my credit report which they had no permission from me to do so. I tried several times to get verifiable details to prove this account belongs to me and XXXX  have failed to provide anything with my signature or a sworn affidavit to prove they have validated this account to be truly mine. As you can see they have also ruined my reputation by putting this negative false account on my credit profile. I have tried several times to have this info removed by contacting XXXX, XXXX, and Transunion to remove this unverified information they are all using their power to ignore my concern this bullying technique is not fair! This is hurting me mentally and financially. I am being rejected for credit because of this. Which brings me to my 3 complaint. Lastly, these credit companies XXXX, XXXX, and Transunion are violating my rights by not providing the documentation they are suppose to have on file to prove accuracy of this XXXX XXXX account. I never gave anyone permission to add this to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Amsher Collection Services, Inc.
State: WI
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 have a loan with AMSHER COLLECTION SERV, XXXX XXXX XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, AMSHER COLLECTION SERV, XXXX XXXX XXXX, and XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Commonwealth Financial Systems, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: The CBE Group, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I attempted to pay off my collections of {$280.00} I mailed a money order with the exact amount of {$200.00} for one specific account # XXXX on XX/XX/18 I called several times to try and have a receipt emailed to me and received the run around with 5 different collection operators telling me they sent it already, check my spam, check my trash, this went on for like 2weeks. never received it to this day asked to speak with supervisor and was given several different male operators that claimed to be supervisors claiming to have emailed too many times and it must be my computer they would just send a paper receipt. waited another week and received several letters that did not show payment nor the exact account I sent my money order for. so around the beginning of XX/XX/XXXX I attempted to call them back and was today this time the money was spread all over the other accounts which are copays at this point I just broke down cying saying how could that be my money order had a specific account # on it and the supervisor told me it was too bad I just should of payed with a credit card and I went on to explain do not own one I need to speak to another supervisor. I was given another female who said she was the supervisor and was so sorry this happened and she would fix the problem and that the good thing was the money could be moved back to the account I sent it for and she would so. I explained to her I had an underwriter waiting for the receipt by the end of the week and could not believe this was happening for such a small amount. as I was talking to her she said she fixed and mailed it out now I am still waiting on the same receipt still calling and speaking to the same 5 collection operators and getting the same run around and the female supervisor that promised me she fixed it and mailed the receipt will not speak to me and our underwriters are atill waiting and were at the end of XX/XX/2018 and still waiting and still like a fool praying for an email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: EQUIFAX, 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:
There was an account reporting late on my report due to a court hearing not being set. The hearing happened and it was in my favor. I was never late. I do not owe any money. I submitted the payment log and the order to the credit agencies and they claim to have investigated but the only thing that was done is the balance was changed to XXXX. The late payments remained.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
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: Was not notified of investigation status or results

Complaint:
Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account is a bus operator fraudulent and a victim of identity theft and Im calling American Express and they keep calling me and they dont help me to remove this account from my credit. 

AMERICAN EXPRESS Account Name XXXX Account Number Credit card Account Type Individual Responsibility XX/XX/XXXX Date Opened Closed. {$200.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ XXXX Monthly Payment {$1000.00} Credit Limit {$1100.00} Highest Balance NA Terms {$1100.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount PAYMENT HISTORY XXXX XXXX OK XXXX OK XXXX OK XXXX OK XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Comment Account closed at credit grantor 's request. 

Reinvestigation Info This item was updated from our processing of your dispute in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Midland Credit continues to call my phone number after my written statement to stop all calls. Midland Credit continues to call before XXXX, most recently at XXXX pst. 

It has been proven the numbers that have been calling me DO IN FACT BELONG to Midland Credit and they have continued to call when they stated to the Consumer Financial Protection Bureau they would only be contacting me by mail as well as discontinue calls before XXXX. They have NOT done as they stated they would. All documents are provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-26
Company: NCB Management Services Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/20 I paid this account in full through a settlement and was told it would be deleted. Please help get this removed Immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: Bread Financial Holdings, Inc.
State: NJ
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 missed a payment for my XXXX/XXXX XXXX account, I called and spoke with a representative the day after the missed payment to make the payment. I explained to them that I had not been working and that I was unable to afford the late fee on the account but I would still make the min due. They transferred the call to a special department and offered to enroll me in a " hardship program '' stating that for the next year my account would be set up for automatic payments and that it would be in the amount of {$15.00} dollars. I agreed and since XX/XX/2018 the {$15.00} dollars have been debited from my checking account every XXXX of the month. I never knew this account was being reported late until recently, I reached out to commenity and they verified that I had been signed up for the program and that there was an error on their behalf made by the representative I had initially spoken to. I would like to get this late payment status removed seeing as though I have been making the monthly payments as agreed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-10
Company: CITIBANK, N.A.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Citi Bank fraudulent practices I opened Citi Bank account in response to Citi Bank Promotion to open certain account with certain deposit for {$700.00} reward. I met the terms : Citi Bank never paid the reward, withheld improperly {$30.00} fee for " not providing social security number '' per Citi, then refunded {$8.00} out of {$30.00} and sent me a statement that I owe IRS {$11.00} earnings which they never paid to me either. 

I am trying to resolve fraudulent financial operations with with Citi Bank for almost 5 months now with no avail. 
Please help.

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 2020-07-03
Company: Experian Information Solutions Inc.
State: CA
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:
EXPERIAN AND XXXX  ARE REPORTING 2 PUBLIC RECORDS THAT ARE DISMISSED AND DO NOT BELONG TO ME. I CONTACTED THE BUREAU AND WAS TOLD THAT FURNISHER AKA US BKPT CT CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX HAS CONFIRMED AND ALIDATED THE ACCURACY OF THESE PUBLIC RECORDS ... THEN I CONTACTED COURTHOUSE WHO STATED IN WRINGING THAT THEY DO NOT REPROT OR VALIDATE AND DO NOT COMMUNICATE WITH CREDIT BUREAUS. THEN I CONTACTED BUREAUS AGAIN AND AFTER MULTIPLE CALLS AND A OVER 13 HOURS ON THE PHONE I WAS INFORMED THAT IT IS A XXXX XXXX WHO PROVIDES THIS INFO TO THE BUREAUS BUT IT IS NOWHERE ON THE REPORT AND NOWHERE ON THEIR SITE. HOW IS A REGULAR CONSUMER SUPPOSED TO KNOW THESE " SECRETS '' THIS IS VIOLATION OF MY CONSUMER RIGHTS ... I CONTACTED XXXX XXXX   WHO STATED IN WRITING THEY HAD NO PUBLIC RECOREDS REPORTING IN MY NAME. I RECEIVED A FULL REPORT AND UPLOADED A COPY WITH MY AGAIN NEW DISPUTE TO ALL BUREAUS. XXXX  COMPLIED WITH REGULATIONS AND DELETE THESE ERRONEOUS ACCOUNTS ACCORDINGLY. HOWEVER, EXPERIAN AND XXXX  STILL REPORTING .. I provided XXXX XXXX report stating in writing that I do NOT have public record in my name. I now filed CFPB complaint and will file with FTC and ATTORNEY GENERALS OFFICE ... DELETE IMMEDIATELY THIS IS VIOLATI

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 2020-05-12
Company: EQUIFAX, 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:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and  highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: EQUIFAX, 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 status incorrect

Complaint:
Closed and paid XXXX auto loan account is reporting late payments that are not actual. I would like the late payments removed or the entire trade line deleted from my credit reports with all 3 bureau 's

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: U.S. BANCORP
State: CA
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:
I applied fidelity rewards account and was denied and havent been able to find out why.. but my credit is excellent so I dint see why I wasnt approved..

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 2018-03-29
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Equifax, XXXX XXXX XXXX are reporting on my credit reports that I am XXXX by listing my employer as " XXXX '' or " long-term XXXX '' and in doing so violates my right to have my personal health information/status protected under HiPAA. And also exposes me to discrimination by notifying creditors of my health status. 

No option is provided on either of the sites to remove this personal protected and privileged health information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX XXXX lowered my credit limit from {$1100.00} to {$800.00}. I brought my balance down below 30 % to improve my credit. Once I did that, they lowered my limit down to {$800.00} so my balance would reach my credit limit and bring score back down. My score dropped significantly by 16 points. 

It should be illegal for creditors to be allowed to do that on occasion. It destroys the consumers credit history and livelihoods. 

They need to increase credit limit back to where it was so it will show at 30 % bellow statement balance again so score can go back up!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I requested a balance transfer from my XXXX to a new Capital One card. After I submitted my request, I realized that I had accidentally put my XXXX   rewards number, and not the actual credit card account number, in the application. Believing that Capital One would not be able to approve this request without an accurate account number, I re-submitted the request, with the assumption that the original submission would be cancelled. 

I then saw on my account on XX/XX/XXXX, that the balance transfer had been completed twice - and twice the balance of my original request was on my new Capital One account. In addition, I had been charged TWO balance transfer fees. 

I called Capital One to see if the first transfer could be cancelled - since they did not even have the right account number for that request. I was told that it could not be cancelled, as funds are sent electronically. ( Note, the balance I was transferring is still on my XXXX account. ) I was then told that I would need to work with XXXX to have the additional amount transferred over refunded to me. 

I did ask the Capital One representative if the balance transfer fee for the first balance transfer could be refunded, because it was not at all my intention to have this transaction completed twice. However, she said there was no way she could lift the fee. 

1 ) I am upset and feel insecure as a consumer with the way Capital One handled my information and completed a balance transfer with an incorrect account number 2 ) I think it is wrong that I am being charged the balance transfer fee twice

Company response to consumer: Closed with monetary relief