BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-12
Company: Nationwide Recovery Systems, Ltd
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have an outstanding medical debt of {$560.00} reporting on my credit report. I never received a bill or any type of correspondence in regard to this debt. The details state that it was opened on XX/XX/2018. This is not my debt. I called the original creditor which is XXXX XXXX XXXX XXXX on XX/XX/2018 to verify the debt, and there was nothing owed in my name. It is on my credit report that Nationwide Recovery SYS has taken over this debt. I contacted Nationwide Recovery SYS on XX/XX/2018 to ask for debt verification and this company would NOT verify it via phone or US Mail. There was no proof provided to verify that I owe this debt, and I would like it removed from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: PA
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:
Equifax did not exercise their grave responsibilities.They were unfair impartial and did not respect my rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: TD BANK US HOLDING COMPANY
State: DE
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/2020 my daughter made a deposit for me at the TD Bank, XXXX XXXX XXXX, XXXX, DE through the ATM. The deposit consisted of {$110.00} cash & a draft in the amount of {$50.00}. The machine returned the draft indicating it could not be deposit at this time. It then returned my debit card but no receipt for the {$110.00} cash. We went to the drive through teller & explained the situation and asked her to help to get a receipt & to deposit the check. She basically cashed the check & said for me to check my account online for the deposit. I did check my account & it did not show the deposit. I immediately called the bank & spoke with a representative ( XXXX ) who filed a dispute complaint on my behalf. I also asked her to retain the video of the ATM of that day. I did receive a complaint number via email from a XXXX XXXX ( XXXX ) I was told it will take a day or two to balance the ATM. 
Called on XX/XX/2020 & had to leave a message. On XX/XX/2020 I spoke with XXXX who indicated that there was no indication on my complaint yet & it takes 7 to 14 days. XX/XX/2020 I checked my online account & still no deposit. XX/XX/2020 left another message. Called again & spoke with XXXX & left a message for XXXX XXXX to call me. XX/XX/2020 its now 2 weeks & no response from anyone. I left another message. 
I called my branch of TD Bank and spoke with a gentleman named XXXX, who went over & above to help me. He located my complaint and indicated that a not was only recently placed on the form indicating it was being denied because the representative who filed the complaint did not put the terminal number on it. He checked everything possible & called the branch on XXXX XXXX & was told that there was no transactions on my card and Im basically out of the {$110.00} I deposited. This is unacceptable!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-09
Company: SUNTRUST BANKS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Suntrust has made 4 hard credit inquiries on me and they show up on my credit report, resulting in a significant negative impact on my score. The hard inquiries occurred in XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I did not authorize any credit inquiries either in writing or verbally except for the HELOC reapplication in XXXX XXXX. Suntrust is refusing to provide proof of my authorization and is refusing the remove these 3 unauthorized hard inquiries from my credit report. In fact, they refusing to even document that will not remove and not provide proof. This has been going on for several months now, and I am getting stonewalled from branch, region and central customer service contacts.

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 2018-11-12
Company: The Cadle Company
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The Cadle Company, Assignee of XXXX XXXX, XXXX Assignee of XXXX XXXX XXXX XXXX, placed a wage garnishment on my salary, without appropriate notification. Furthermore, I did not open an account with XXXX XXXX XXXX, which is now owned by XXXX. My identity was compromised and my social security number was used to fraudulently to open numerous accounts. I was initially sued in 2008, while away at training for the XXXX XXXX XXXX XXXX. I was not able to defend myself for this allegation of owning money to this company. I was also never given the chance to dispute the validity of this account. They are required by law to produce documents, such as the original agreement. I spoke to XXXX XXXX at the Cadle Company and she was very rude and would not provide any information on rectifying this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX, On all of my credit reports my creditors are reporting my actual payments. I have gone there for 1.5 yrs begging them to audit my acct. I have a truck loan their and it is a open ended loan. My Payments have gone from XXXX a month to XXXX and I stopped making my payments because I had been trying to buid my credit and it wasn't going Up. They have had bounty hunters call and harass me. They threatened to put warrents out for my arrest. Mocking my name. I disputed them with XXXX XXXX XXXX. They asked for documentation for the proof of my payments and they couldn't or wouldn't provide any. All three bureaus removed them from my credit report. I went to traded in the vehicle and I have a car with XXXX XXXX me to credit union as well. XXXX XXXX XXXX kept canceling and reinstating my policy and the craving is new about it before I did. They forced CPI insurance of {$4000.00} a piece making the vehicles close to XXXX to XXXX upside down. I want to XXXX XXXX in XXXX Texas and found a truck that had a net positive equity to eat at the negative equity that they placed on it. I asked him to finance it traded into vehicles only having one payment neither one with finace. I got three or four letters from lenders telling me that if I wanted to know why I was turned down to write them so I did. Their answer was XXXX for did not complete my application process. I had left XXXX XXXX XXXX going to XXXX XXXX XXXX XXXX XXXX last year I was going about twice a week for an entire year back-and-forth. The finance lady XXXX upstairs bedroom credit union called me and I told her that I was to be trading in those vehicles not giving them back and leaving XXXX XXXX XXXX XXXX XXXX I had to stop for gas. Are used my doubts credit Union debit card and it was declined. I called them and said why is the declined I have many in there she said that they had taken all the money out of my account and apply it towards the truck. I said I'm at a gas station with no gas she said let me ask my supervisor if I can pay {$25.00} back on your card so you can get gas. She came back and said that it had been approved but they had to cancel my debit card so there was no gas and I was approved. I have an attorney and we serve them in XXXX a few days later with a freeze on Equifax and fraud alerts other bureaus my alerts said that XXXX got a crazy exes my credit report and when XXXX  had to verify my identity. My address was their address XXXX XXXX XXXX, XXXX, TX with my new address and I did my home for 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
Ive started receiving credit alerts on XX/XX/XXXX about several erroneous inquires. Which prompted me to check my credit, which is where Ive found several unauthorized inquiries. 


In addition, I have an opened auto loan through Capital One Auto Finance. The loan was opened on XX/XX/2018. However, I have two unauthorized inquiries from Capital One Auto Finance on XX/XX/2018 and XX/XX/2018. I have no authorized any inquires to Capital One Auto Finance after the open date of XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: PENTAGON FEDERAL CREDIT UNION
State: DE
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:
XXXX XXXX SS # XXXX XXXX XXXX XXXX XXXX, DE XXXX Phone Number- XXXX Work- XXXX Dear Sir or Madam, I am writing to dispute the following in my file. I have circled the items I dispute on the attached copy of the report I received. 
This complaint is Pentagon Federal Credit Card late payment reporting of {$15.00} dollars not paid for XXXX. This credit card was paid in full in XXXX and then Pentagon automated system pulled the full payment again and I had a large credit amount of {$2100.00}. I then requested the credit card to reimburse me for the overpayment but to make sure all money due was paid so that next month my balance would be 0. I did not want to leave the auto pay on because they double pull the amounts sometimes like they did in XXXX. Please see XXXX statement for verification. 
I have enclosed the last four statements so you can see that the {$180.00} charge was paid in full back in XXXX. They also never updated my correct address and all statements went to wrong address. As my card expired in XXXX they sent a new card I never received to old address. This is after verbal conformation that XXXX their customer care representative changed the address to the correct one back in XXXX. 
I have also enclosed a letter with a recent date from XXXX XXXX stating the account is up to date. XXXX XXXX has denied my dispute with all three credit bureaus and will not change my account from late. Please investigate this as soon as possible as I am closing on a mortgage and this is gravely affecting us financially and my familys personal wellbeing. My score went from XXXX to XXXX in one day. This does not seem fair to someone who has never missed a credit card payment in his life, 47 years. Especially since I over paid the amount and XXXX XXXX credited the wrong amount back. With no statements to alert me or phone calls or emails and I am thinking this card has no balances. 
If something is not clear or you need more information please contact me. I am also inclined if this is not resolved in a timely manner in reporting this to my states attorney general office. 

I have enclosed the following : Recent Credit Report with circled item Pentagon Federal XXXX, XXXX, XXXX and XXXX Statements Letter from Pentagon Federal My Credit Score in XXXX. 


Sincerely, 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 2018-11-12
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. Upon checking my credit, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on 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 2019-06-11
Company: Experian Information Solutions Inc.
State: NM
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:
Please reverse the late payments reported on the following accounts : XXXX/XXXX XXXX ; XXXX XXXX ; account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2018-11-12
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I closed an account more than 5 months ago but Citibank has refused to refund the amount that was in the account. I have talked to Citibank customer care representatives and visited a branch ( located on XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX ) more than 5 times each. Every time I call customer care, I am told to visit a branch for resolution, but when I visit a branch ( at above address ), I am told to wait for a check in the mail. The following are some of the people that I have talked to and gave me assurances that my issue will be resolved at the branch mentioned above. * 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 explanation
Consumer complaint received 2018-11-12
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Citibank is playing dirty. I have two accounts which are checking and saving accounts way before XX/XX/XXXX. I was never charged monthly service fee before then all suddenly in XX/XX/XXXX I was charge {$25.00} per account. I went immediately to the bank and they apologized saying some changes but Citibank ended refunding me the {$25.00} per account. The monthly {$25.00} charge stop but not for long in XX/XX/XXXX again the $ XXXX  monthly fee was charged to both accounts. I didn't noticed that until today XX/XX/XXXX that I have been charge a total of {$150.00} total for the past 3 months for both accounts. 

It seems like Citibank wants to know how much they can get away with

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 2018-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
This is becoming very exhausting. For whatever reason XXXX keeps removing my capital one account from my credit report which keeps dropping my credit score. My account is still active. My card ends # XXXX. Experian and XXXX is currently reporting however once again XXXX Keeps removing it. This is not fair to me and has kept me from relocating due to the huge drop in my credit score. 

I am also an authorized user on my moms Capital one account. That account was also removed. My mothers name is XXXX XXXX XXXX .The account was opened XX/XX/2010 and has a balance of $ XXXX.XXXX 's customer service is horrible. I've been told over 10 times the issue is with Capital one however when I contact Capital one my account is still active and was told over 10 times they report to each credit agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX is a debt collector. They have called me repeatedly for several years about a credit card that was charged off in XXXX and purchased buy PR in XXXX. I have never made a payment or promise to pay to this company. 
I recently reviewed my credit report ( XXXX  ) and found that XXXX XXXX is doing inquiries on my credit report as follows : XXXX : XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX ; XXXX : XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX : XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX ; You will notice that this debt is 15 years old. I have not changed my email or phone number for over 20 years. I have had the same address for the last 11 years. 
I am now XXXX years old which would most likely preclude full-time employment.

Numerous contacts with this company have not resolved this issue. I believe that since they can not list the collection on my report, they simply place inquiries to damage my credit. Notice that some of these inquiries are done as little as four days apart. 
Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: Diversified Consultants, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In early XXXX I voluntarily contacted Diversified Consultants in regards to a C/O XXXX bill that became delinquent in XX/XX/2013. I know that bill was pass the statue of limitations but i wanted to clear the debt from my name. I spoke with a supervisor in XXXX in regards to a below blanket settlement of {$600.00} on balance of {$1300.00}. The supervisor agreed to a settlement of {$600.00} that would be paid in two payments of {$150.00} in XXXX and one payment of {$300.00} in XXXX to settle the account in full for {$600.00}. I asked the supervisor to provide me with a settlement letter as proof for my records and was told i would be emailed a settlement letter. I never received the settlement letter. I spoke with a representative a few days later in regards to getting a settlement letter and was again told i would be emailed a settlement letter. I never received a settlement letter but instead received a letter in the US Postal mail stating that i agreed to pay {$600.00} as payment towards to the total balance of {$1300.00}. Nothing noted on the letter reflected the settlement that was agreed upon on a recorded line. On Thursday XX/XX/XXXX, I received an alert from my credit monitoring service ( XXXX  ) stating that Diversified Consultants listed the same XXXX account as a delinquent account on my credit report in the amount of {$1200.00}. Its very unethical practices for Diversified consultants to  misrepresent the payment arrangement i made, they never forwarded me any settlement paper work regarding the approved settlement of {$600.00}. Instead i was forwarded documentation regarding payments towards the full balance which was never discussed. I stopped payment on the check immediately because I was mislead into a fraudulent arrangement that i did not agree upon. On Friday XX/XX/XXXX, I reached out to Diversified consultants and spoke with a supervisor by the name of XXXX. I informed XXXX of the situation and XXXX immediately became irate and stated that i would recieve a settlement letter until i paid the settlement balance which is not true because i was told on two separate occasions that i would be forwarded a settlement letter. I informed XXXX that i expected the negative remarks on my credit to be removed immediately because the arrangement was misrepresented and she told me that would not happen. I informed XXXX that i would make a complaint in regards to unfair practices and she told me to go ahead. The call ended and now i am here looking for help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The company froze my report then refused to unfreeze it in a timely matter. They said it would take 5 business days. They also ran me through 2 departments and an ungodly amount of verification. Balances on 5 credit cards, mortgage payment, ect. 

The problem happened with XXXX and Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX and XX/XX/XXXX Freedom Mortgage lost my mailed in payment and filed derogatory reports to the credit bureaus. Though I immediately responded to them when they called stating my account was late with the check numbers, tracking numbers ( proving delivery of payment ) and amount of payment, EACH TIME they would not accept this information to begin to research the lost payment. EACH TIME they REQUIRED me to provide the front and back copies of the payment before they began to research. EACH TIME they provided the credit bureaus with derogatory reports about my payment history. EACH TIME their collection agents erroneously called me multiple times a week. This is highly unprofessional on Freedom Mortgage 's behalf to misplace payments and falsely state to credit bureaus that customers are late on mortgage when in fact their employees are negligent in their processing of payments. When Freedom Mortgage recognized the error, they should have IMMEDIATELY submitted corrections to my credit report rather than wait for me to continuously follow up with them regarding this error. In an age where EVERYTHING is maintained online, it is hard for me to believe that Freedom Mortgage is unable to search check numbers and access how the money was applied on their end. Freedom Mortgage should IMMEDIATELY change their procedures for the applications of mailed in payments.

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