BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-20
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:
Experian and XXXX should not be reporting a balance of {$30000.00} on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was stolen and the insurance company paid off any balance due. I have attached a copy of the police report and insurance documents for reference. This account needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX as well as the bureaus to remove this however, I have not been successful.

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 2018-10-03
Company: BB&T CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
An unauthorized change to my bank account was made allowing money transfers from my checking account using XXXX. I called the Bank in real time ( within minutes ) and asked that the account be locked down because the charges were fraudulent, and there was an apparent hack into my Banking account, probably through the Banking App. The perp set the electronic wire transfer allowed to a yes status. I have never used a transfer service and was unsure what XXXX even was at the time. 
The Bank knew this was a hack and did not lock that paticular account down allowing a 4th XXXX Transfer to appear a couple days later. All my accounts were changed but my money was allowed to remain in the deactivated account to be paid out. Now I have to file a fraud report and wait for my money to be returned. All of this could have been stopped if the Bank had taken immediate action when I called and reported. 

My local banks staff was very helpful, but the Larger Bank knowing there had been an account breach failed in their fiduciary responsibility to protect the consumer and allowed the theft to happen. 

I have spent 2 work days cleaning up this mess, and am upset at the lack of action following my initial 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 2020-08-30
Company: Bread Financial Holdings, 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: Account information incorrect

Complaint:
My zales credit card was closed without my permission it has impacted my credit report negative during this period of covid 19 virus I think it is best for me through this financially difficult time not to be purchasing any jewelry that does not give a reason for comenity / Zales credit company to report closed to all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
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:
I called Merchant Medical once in XX/XX/2020, and again in XX/XX/2020 to have XXXX XXXX taken off my credit report because the debt was paid.I still have the debt on my credit report.I contacted XXXX XXXX and they say I owe nothing. Merchant Medical is ignoring this imformation, and continuing to ruin my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-22
Company: HYUNDAI CAPITAL AMERICA
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I brought my car in XXXX of XXXX I always since in more then what statement says in attempt to pay off the loan quicker. I noticed that some of my payments were not being applied to the principle of the loan like I asked. I contacted the company both by phone and in writing.

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 2021-01-21
Company: CITIBANK, N.A.
State: NY
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 three transactions were made on my accounts. The first one was a transfer from my saving to my checking in the amount of {$2000.00} cents to my checking, that was the entire money that I had in my saving, leaving my saving account with a balance of XXXX. On the same day a withdraw of {$1600.00} and another withdraw of {$1500.00} was made on my checking account leaving my account with {$160.00}. I called Citibank on the same evening of XX/XX/2020 to let them know that I didnt make these transactions. Citibank told me they were going to investigate and they sent me a letter telling me they are not going to refund me because the transactions were made with my debit card and pin # and since I didnt report that I lost my card, they are not responsible. My card was always in my possession and no one knows my pin # therefore I didnt have any reason to call them and let them know about my card. 
Please help me resolve this case.

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 2017-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
i am contacting this department over concerns i have at an address which is not connected to me and yet it appears on my credit reports. I do not live or have ever been associated with XXXX XXXX XXXX XXXX XXXX, CA XXXX. it appears in the current and former section of my report but i have never been associated here. my address is in XXXX XXXX only. I attempted to call these bureaus but it was very hard to get a hold of a representative.

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 2020-01-26
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Did not count my payments from old servicer ( XXXX XXXX ). Had contacted my congressman, DOE ombudsmen and FedLoan multiple times. Still haven't correctly counted my student loan payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-29
Company: SYNCHRONY FINANCIAL
State: AR
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is reporting late, yet it is closed and the balance is zero as reported in my XXXX and XXXX. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-27
Company: First Technology Federal Credit Union
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Told them couldnt pay because of Covid. Trashed my score and withdrew thousands from my checking to pay for the credit card without my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern : This is to bring forth the fact that a validation letter was sent to I.C. Systems for accounts ( XXXX, XXXX, XXXX ) on XXXX, 2020. I.C. Systems had thirty days to respond in which they failed to do so. These accounts are fraudulent and must be removed immediately from all three of my credit reports. No verbal or written contract were agreed upon with I.C. System and furthermore as stated earlier they have failed to validate the accounts the show the following balances : {$940.00}, {$1000.00}, {$1500.00}

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 explanation
Consumer complaint received 2021-02-22
Company: DISCOVER BANK
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 belongs to someone else

Complaint:
Went to first time home buyers program and credit was pulled and was informed about 2 credit card charge offs both opened in XXXX without my knowledge. I was advised to get police reports, identity theft reports and dispute directly with bureaus. I sent letters with police report, identity theft report and Id in XX/XX/XXXX for validation of debt, none was provided. Sent letters again XX/XX/XXXX and again certified XX/XX/XXXX. I was XXXX in XXXX and had no knowledge of anything related to credit nor have I ever had a credit card until XXXX I just got a secured card to use my own money while I learn about credit. I have contacted the creditors as well and still have yet to receive proof of these debts. 

XXXX XXXX opened XX/XX/XXXX owed {$3100.00} Discover card opened XX/XX/XXXX owed {$3600.00} I will be starting litigation using ground " I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715,719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists '' to seek removal of these 2 accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-30
Company: Layfayette Funding
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
This is a complaint about a misleading advertisement from Salvation Funding. the attached advertisement was targeted to my elderly mother ( XXXX years old ), in the form of a check. the solicitation does not have the required federal disclosures, no APR, no NMLS #, and is miss-leading. These type of companies need to stop soliciting the elderly that can be taken advantage of. 

XXXX XXXX XXXX this website said that consumers are not given a loan but provided an attorney to get debt relief. 

very misleading and needs to be stopped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Resurgent had three collections accounts on its website in my name. I repeated disputed the accounts to no avail. I decided to settle the accounts clean up my credit reports and to move on with my life. 
The accounts are : XXXX XXXX XXXX XXXX ... XXXX ) ; XXXX XXXX XXXX  ( ... XXXX ) ; and XXXX XXXX XXXX  ( ... XXXX XXXX Resurgent offered 85 % discounts on the first two account ( that i did not have to pay ) and 50 % discount on the third account ( that I did not have to pay ). ALL THREE PAYMENTS WERE TO BE COMPLETELY DELETED FROM MY CREDIT CREDIT REPORTS.

Yesterday, Resurgent sent me letters saying that I still owed balances on the three accounts that I had already settled for IN FULL. 

Attached is the letter sent after I paid the third account with XXXX XXXX XXXX  XXXX ... XXXX ) for {$500.00} in which Resurgent stated clearly that it will contact the credit bureaus to DELETE the tradeline associated with the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: First Credit Services Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Over the past two years numerous times I cancelled my membership with XXXX XXXX - XXXX. Despite repeated written cancellations, refuse to cancel the membership and have continued to charge my debit card account each month causing my bank to recommend issuing a new card to stop the automatic withdrawals. They sent a bill for {$97.00} and are ruining my credit by charging a phony balance due. When I spoke with them on the phone they refused again to issue a cancellation of the account. I informed them that I would file a complaint with your agency for assistance in getting the account cancelled, my credit restored, and the balance mentioned cancelled and credited.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: EQUIFAX, INC.
State: GA
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: Personal information incorrect

Complaint:
I have disputed the following addresses ( see below ) with Equifax ( see attached letter ) and their response as of XX/XX/XXXX explicitly articulated that all of the addresses had indeed been deleted. I retrieved my most recent credit report on XX/XX/18 and all addresses are still reflected. Equifax did not delete the addresses as they stated in writing. Therefore, I am demanding that these addresses be deleted : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX  XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Once Equifax has deleted the aforementioned addresses, I would like a full updated copy of my credit report mailed to my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: CITIBANK, N.A.
State: IL
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: Other problem getting your report or credit score

Complaint:
Earlier this year I was added as an authorized user on my familys Citibank Credit card and the report still hasn't shown up on the XXXX  report after nearly 8months

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 2018-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX is not reporting my account on my credit report. Please make sure this account is being reported ASAP!! The account number is 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 2020-12-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello I sent A Dispute letter to Experian regarding the credit inquires and charge off on my credit report they have done nothing about removing the items that are fraudulent. They I make a dispute and its done in five minutes saying the information is accurate.

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 2018-10-03
Company: EQUIFAX, INC.
State: IA
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 concern is why there is a discrepancy in the information that these companies use to create you FICO score. Ex. Credit age with XXXX is 6 yr. 1 mo-XXXX 4 yr. 3 mo. 
Credit Card use XXXX is 5 % -XXXX is 7 %. Hard Inquiries XXXX is 1-XXXX  3. Total accounts XXXX is 33-XXXX is 27. Shouldn't this information be the same? There is quite a gap in the FICO scores as well. XXXX is XXXX and XXXX is XXXX. 

I hope you can help me with this. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: EQUIFAX, INC.
State: OH
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 PREVIOUSLY SUBMITTED A DISPUTE FOR IDENTITY THEFT AND THE PROBLEM HAS BEEN RESOLVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: SYNCHRONY FINANCIAL
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Synchrony Bank, via the XXXX XXXX, opened an account in my name without my authorization. Further, they are sending me marketing communications and claiming that I can not unsubscribe from these communications based on my business relationship. Since no such relationship exists, I believe this also constitutes a violation of the TCPA.

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 2018-10-03
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 I submitted a dispute to all 3 major Credit Bureaus Agencies regarding identity theft. I have yet to have my dispute resolve or any feedback regarding this matter and its been well over 60 days.

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 2018-10-03
Company: Netspend Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
This complaint is in regards to the XXXX XXXX prepaid card offered by NetSpend. I've earned XXXX XXXX miles for each of last 4 months, and they are suppose to post the reward to my XXXX account each month. However, this has not happened. NetSpend charges {$85.00} annual fee for this. It's a complete switch and bait. I've contacted them multiple times since XXXX, nobody ever follows up with me.

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 2021-05-21
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: Personal information incorrect

Complaint:
I have attempted to correct my name and address with all three credit bureaus and they have not corrected my name, former names and current addresses. 

I have informed them all names listed as my former names are incorrect. I have never had or been referred to as any other name than the name noted on my proof of ID. 

I have also informed them on countless occasions to remove the incorrect addresses, as well and they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX is not reporting my account on my credit report. Please make sure this account is being reported ASAP!! The account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
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: Information belongs to someone else

Complaint:
Upon looking at my XXXX, XXXX, and Experian credit file, I learned of a collection account from XXXX XXXX had been added. I have tried to reach out to this company through Consumer finance protection bureau and better business bureau in regards to this collection account. I have no signed  contract with this company. This account is not a validated account nor is this account verified. This is a non verifiable item that has been placed on my credit file causing my score to drop.

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