BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-09
Company: I.C. System, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/19 received a bill for {$880.00} from IC System for a XXXX account delinquent bill that was in my name. I contacted XXXX, filled out a fraudulent packet, mailed it on XX/XX/19, with a tracking #, which they received on XX/XX/19. Never heard from them. Called XXXX on XX/XX/19 to confirm my packet was received and complete. The lady confirmed it was and that it would be 30 days before I would hear from them. Never heard from anyone. XX/XX/19 received a letter stating the fraud packet was incomplete. XX/XX/19 called XXXX to find out why the packet was incomplete. He didnt not know but assured me I would hear from them within two days. Never heard from him. XX/XX/19 received another bill from iC Systems for {$880.00}. XX/XX/19 called XXXX. He said The packet has not been located. In this packet I was informed I had to send my social security number along with other proof Id identification. He told me to fill out another fraud packet. This is unacceptable, and I want this 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 2019-04-26
Company: CITIBANK, N.A.
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 applied to CitiBank for a XXXX XXXX XXXX. The letter of denial is 100 % lies or incorrect information. They say XXXX  is saying all that ; however, XXXX and XXXX  don't have a direct person that can help me. I also have a XXXX CitiBank Visa. I have 100 % payments on time record. My score with Equifax is XXXX! 
CitiBank is falsely saying : XXXX. I have filed a bankruptcy, I NEVER HAD! 
2. CitiBank says I have existing and previous accounts with XXXX that have a history of late payments ; this includes credit cards.

3. The credit privileges on my existing accounts ( s ) are currently restricted. 

All of the above reasons are all false. CitiBank says the information is based on XXXX XXXX XXXX 2002, XXXX, TX XXXX. I have tried to contact XXXX and Experience ; however, they are not reachable. I've even tried to contact corporate, XXXX XXXX XXXX. And when I requested a report, XXXX told me I have already a login. I tried to login and they told me it was incorrect. I requested the password and login, but XXXX never sent the email I gave them 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 2021-11-14
Company: Bread Financial Holdings, Inc.
State: VA
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:
On XX/XX/2021 credit XXXX collection ( XXXX ) was removed from XXXX and has now been placed back on my account. Ive disputed the account explaining the account was not mines and was not in my name. Ive reached out to XXXX, credit XXXX collection XXXX and the credit bureaus to have information removed/corrected. However the collection account is still reporting negatively. XXXX XXXX is also reporting negatively on XXXX as this account is not mines it should be deleted from report. Collection was removed from XXXX XX/XX/2021. The account is not in my name and doesnt belongs to me. Also l will like to file complaint against Victoria secret /comenity bank for reporting differently on different account and reporting inaccurate information. ( LATE PAYMENTS ) Comenity/Victoria Secret is reporting positively with XXXX  % on time payment on equifax but reporting negative on XXXX and XXXX. Contacted them to have information corrected, and to report positively on XXXX and XXXX as well, account is still reporting negatively on XXXX accounts ( XXXX and XXXX ) and positive on XXXX. The account needs to reflect positively payment reports to all XXXX bureaus. I will like to file complaint with comenity bank/foreve21 account was paid /closed and on time, they are reporting incorrect information and also reporting differently as far as late on each credit report. Please have these late reportings deleted its paid/closed and reporting incorrectly. Ive been getting denied for home-buying due to this negative information reporting on my report, Im a single mother with XXXX kids. My home is molded Ive been trying to move and this has been causing me to be denied please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: BB&T CORPORATION
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
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: Account status incorrect

Complaint:
I made an agreement with XXXX XXXX to pay off my account in full when I told them that i needed credit consulting due to a hardship. I called back to pay the {$1500.00} that was agreed. Intermittently the account was sent over to their collection agency and I was told XXXX XXXX could not help me. I was told by the collection agency that they would report it as paid to XXXX XXXX and it would reflect as paid on my credit report in 30 days. It has been 4 months and after 3 disputes its still showing as a charge off in my account status portion of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XXXX XXXX XXXX but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX 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 2019-12-09
Company: DISCOVER BANK
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I have tried to fix this with discover card they said they done a investigation and still hold me responsible I can't find my bill there is XXXX.dollars I think I should not have to pay I don't remember the charges for my self.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have called XXXX and its Account Managers several times, I have sent a cease and desist letter and although I paid this account off XX/XX/19 it still is reporting monthly as 60 days late with a {$610.00} balance to XXXX, Experian 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 explanation
Consumer complaint received 2023-04-25
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Upon disputing a medical bill on my credit report, Rash Curtis sent me documents to verify the debt. According to my rights under the FDCPA, A collector has to give you validation information about the debt either when they first communicate with you or within five days of the first contact. The collector has to include the following : their name and mailing address, the name of the creditor you owe it to, how much money you owe, written out to include interest, fees, payments, and credits, what to do if you dont think its your debt, your debt collection rights, including your right to get information about the original creditor if you ask for it within 30 days of getting validation information from the collector '' The letter did not include an " address '' for Rash Curtis and Assoc as required by law. The letter did not include " what to do if I think this debt is not mine '' as the FDCPA requires. 
The only address provided is for a debt collector called " Recovery Revenue Specialists '' and they list a XXXX XXXX XXXX I can not find any legal business information for this company through the XXXX, State of California or XXXX XXXX Fictitious Business XXXX. 

I've attached the supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
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 status incorrect

Complaint:
I first noticed this problem when XXXX XXXX didnt update my credit report in time to reflect that my credit card is showing a XXXX balance & now Im seeing that theyve also added a remark to my Equifax report which has lowered my credit score XXXX points. My credit score cant increase due to how theyre reporting on it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: Westlake Services, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: Navient Solutions, LLC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Information on my credit shows that the account is dated 2005 from US. Dept of Education. 

The account is not my account, the account has no balances or other pertinent information. 

The account is 15 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
Hello, I was incorrectly charged deferred interest on my TD Bank/Raymour & Flanigan store card. 

Balance due on deferred items was {$270.00} on my XX/XX/XXXX statement. Needed to be paid in full by XX/XX/XXXX. 

I made an extra payment on XX/XX/XXXX in the amount of {$75.00}. 
TD Bank took my auto draft payment for {$200.00} out of my account on the due date of XX/XX/XXXX. 
Total payment submitted for balance due on deferred amount totaled {$270.00}. 
Due date was a Saturday, account was credited for the {$200.00} payment on the following business day on XX/XX/XXXX. Even though both payments were submitted on time, and before the deferred period ending date, TD Bank charged me accrued interest of {$410.00}. 

I believe they are in violation of the fair debt collection practices act as they did not credit my payment properly in order to avoid charging deferred interest. Payments received on weekend must still be considered on time on the next business day. 

I tried to contact them today ( XX/XX/XXXX ), but they are closed. I will be calling them tomorrow, Monday XX/XX/XXXX in an attempt to resolve this, but feel it is in my best interest to be proactive and file a complaint. I have attached my TD bank account statements for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as well the page from my bank statement showing the XXXX above referenced payments ( please note the bank clearance times do not depict the fact that they were made on time to TD bank ). 

Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-28
Company: EQUIFAX, INC.
State: OK
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 noticed some inaccuracies about an account on my credit report. I noticed that XXXX XXXX was reporting some things inaccurately so I sent a letter to XXXX XXXX to verify the account for validation. They sent me a letterhead with verbiage that it belonged to me with no contract or proof that this account belongs to me. As I look at the discrepancies, the account type detail is reporting differently on XXXX as an auto loan and not an installment account. The balance is showing {$3600.00} on XXXX and {$3600.00} on XXXX and Equifax. The terms are 51 months on XXXX, but monthly on XXXX and Equifax. It was last reported on XXXX different dates, XX/XX/XXXX with XXXX, XX/XX/XXXX with XXXX, and XX/XX/XXXX on Equifax. The Date of Last Activity is different across all XXXX bureaus, XX/XX/XXXX on XXXX, XX/XX/XXXX on XXXX, and XX/XX/XXXX on Equifax. There is also an inconsistency with the way the comments on the account are placed between XXXX and Equifax. I want this account deleted for several reasons. It was very lazy and lack of follow-through on XXXX XXXX for proper debt validation which is a violation to me as a consumer over my request. Also, all three credit bureaus can not report inaccurate information. If all information is coming correctly from XXXX creditor, then why are all three credit bureaus reporting something different? Please delete this account from my Equifax, XXXX, and XXXX credit reports for inaccurate and unfair reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: Square Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I never received an item I ordered from XXXX. I filed a dispute with Cash App on XX/XX/2021. I've yet to hear anything about my dispute and in the policy cash app stated it's 10 days until I hear anything and still have yet to hear anything from cash app about my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: MN
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX  XXXX ) XXXX Balance : {$86.00}

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 2021-11-14
Company: Monarch Recovery Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2021 This company is call tracing and calling everyone involved with me.

They are not even letting me get into my account and may have sold it off with out reason or notice.

Due to Covid and life events, I am having by alot of trouble making ends meet and they are no where to be found. 

People have so many XXXX and XXXX  complaints online. 

They stopped using my file number or accepting payments and I needed to make arrangements or even questions the validity of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Receivables Performance Management, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2020, I was surprised to have opened my credit report and saw that Receivable Performance Management had placed an unknown account with the credit bureaus XXXX, XXXX  and XXXX. I have never receive a bill, a phone call or any statement of any kind from this collection agency. I called the collection agency and was able to confirm that they were not aware of my phone number, did not have my home address and was only aware of my email address.The agents even confirmed that they were not able to notify me of the debt. I asked to have the item to be deleted since it was not mine and was advised that they needed to submit a request to their manager and it could take 24 hours. I'm in the process of buying a home and this major error took my credit score down 25 points. I have cried on the phone called several times, been hung up and felt like I had to pay for something that was added to my credit report in error. They have dropped the ball and have failed to notify me of this debt, and due COVID-19 and other areas of horror I will sue them if it is not removed immediately. This company has violated my consumer rights.

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 2018-04-18
Company: Nelnet, Inc.
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My student loan is in default. I attempted to remedy this in XX/XX/XXXX but no one could tell me who was servicing my loan So I did not know where to send the information or who to contact to correct the errors in the amount owed, when money was dispersed and withdraw dates. The amount attempted to be collected is grossly inflated, forbearance dates were not taken into consideration, and early withdraw ( 4 weeks from start ) is not reported either. 

I have NEVER received notice, statements, or intent to garnish taxes however, my taxes were garnished on XX/XX/XXXX in the amount of {$3100.00}. National Student Loan database shows this debt to be with XXXX XXXX XXXX  however upon calling XX/XX/XXXX, I was advised it is being held with XXXX XXXX. I do not have an account number, a breakdown of how the total debt due became so grossly inflated, nor was I given the opportunity to remedy before garnishment. 

The garnishment has already taken place ( XX/XX/XXXX ) and I still have not received any form of notification as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: ALLY FINANCIAL INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I called Ally Bank to report identity theft. An overwithdrawn amount was sent to collections that I did not know about. I have been trying to dispute with Ally Bank debit for my checking account and had no chance to dispute it with the collections agency because I had no idea it existed. 

Someone tried to cash checks in my name. Overwithdrawn by XXXX and sent to collections.

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