BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-05
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Experian Report XX/XX/2018 Credit score should be adjusted due to XXXX, XXXX XXXX, XXXX XXXX XXXX was on my credit 2 XXXX XXXX XXXX was showing due to the deletion and back in XX/XX/XXXX that they be removed due to 1 had went to court and dismiss and I provided the documents several times with no results. Experian had has enough time to correct the issues in which they was all deleted and XXXX XXXX XXXX was placed back and removed a second time in which I provided a letter stating the account had been deleted. My score has not change due to errors on Creditors and Experian I should not have to wait due to errors and mistakes by Experian time of months.

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 2017-11-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In CFPB complaint XXXX XXXX XXXX was complained about as the collector for XXXX the original creditor.PLEASE SEE ATTACHMENTS.As the desired result of the complaint this collection was removed from my credit reports. 
As the attachments explain the collection was unfair and fraudulent.Now after the deletion of XXXX XXXX another collector XXXX XXXX acct no XXXX has appeared on my credit reports attempting to collect for the same debt.This account should be removed.

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: ACCESS GROUP INC.
State: AZ
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:
Two Issues : ( 1 ) InXX/XX/XXXXI had to take out a private loan from Access Group for {$29000.00} due to an erroneous collection disqualifying me for federal loans. After the collection was removed a year later I was able to get federal loans to finish my education. In XX/XX/XXXX I found myself in a financial hardship and was unable to pay. The feds were willing to work with me but not Access Group. I defaulted on the loan, but I do not know for how much, who legitimately owns the loan or any verification. Attached are documents showing that the loan amount is different between collection agencies and the credit reports, and there are multiple collection agencies. One document on my credit report shows that it was discharged in my bankruptcy in XX/XX/XXXX.

( 2 ) When recently checking my credit I perused each account and noticed that Access Group is reporting on XXXX XXXX  several accounts as open with balances reflecting more than the original amount, but that " payment deferred. '' The sum of these accounts is roughly {$90000.00}. Checking all my federal loans through the NSLDS ( attached ) I was able to see the loans that Access Group is reporting. These are federal ( FFEL Plus Graduate ) loans, not private with Access Group. They are also paid with a XXXX   balance as all were consolidated into a Direct loan. So, these loans are essentially being reported twice, but that when a potential creditor checks my credit it shows {$90000.00} of open balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
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: Account information incorrect

Complaint:
This company refuses to remove or update their credit reporting entry on my Transunion credit report after being notified that I have filed for bankruptcy on XX/XX/2022. They still are showing false and erroneous information on my credit report regarding my account with them. They are showing that I have a balance owed and that it was a charged off account and in collections when it should only show that it was included in my Bankruptcy and that it is a closed account with a XXXX balance on it. They are in direct violation of my consumer rights and Federal laws by refusing to either remove or update the information that they are reporting about me on my credit reports. This debt was already disputed with Transunion and it came back as being a valid and accurate debt with no changes to my credit report information. Clearly they have lied to the Credit bureaus as well because I am in bankruptcy and they know this because it reflects this on the other credit bureaus but not on Transunion.

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 2021-11-19
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:
Around XXXX of XXXX I bought a rug from XXXX XXXX on my XXXX XXXX credit card - a card that incidently has a 12 month no interest plan. The rug was to be delivered in a couple of weeks. I continually received emails that the delivery was delayed. Finally in XXXX of XXXX I bought a different rug and cancelled the XXXX XXXX order. However an attempted delivery was made and I refused delivery of the rug. I did not realize that the company sent a charge for the delivery of the rug and I spent a great deal of time working with the credit card company to have the charge reversed which they did in XX/XX/XXXX. 

I am now in the process of refinancing my mortgage and my XXXX XXXX has dropped significantly so I checked my credit report and found that I am showing a 30 day late payment for XX/XX/XXXX. The report also shows no payment made to the account after XXXX of XXXX - the month I paid off my prior purchase which I paid off in 12 months without incurring interest. It also shows a XXXX balance for XX/XX/XXXX - proof that the charge was reversed without me making a payment. This item should not have appeared on my credit report. 

I have disputed this item with all three credti reporting agencies and have disputed it twice with Experian already. Experian has responded to both disputes stating that I was indeed 30 days late - aparently because that is what is showing up in the public record. 

The customer service repersentative for Experian stated that I should dispute directly with the credit card company which I attempted to do. The company ( XXXX XXXX ) acquired the XXXX XXXX card a few months ago and the representative says that they have no record of the charges or the history of the account prior to the acquisition. They say that I need to contact the original company that provided the XXXX XXXX card. I called the back of my credit card and it sends me to XXXX XXXX so I have no way of knowing who to contact and how to contact them. Please help 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 2021-11-19
Company: PNC Bank N.A.
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX I went into local XXXXXXXX XXXX PNC Bank branch and changed address from XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX to XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX All statements have been received to date at the XXXX XXXXXXXX XXXX address for account in question. 
XX/XX/XXXX I received a notice of unclaimed money from a XXXX XXXX XXXX ( private company ) offering to reclaim child 's XXXX funds for a fee of {$910.00}. 
XX/XX/XXXX I called PNC toll free customer service number and waited 30 minutes - no one answered. 
XX/XX/XXXX I called PNC special fraud number, waited ten minutes, got a ring tone, rang for 50 times and I eventually hung up since no one was going to answer. 
XX/XX/XXXX I called PNC XXXXXXXX NC local branch and spoke with branch manager, XXXX XXXX, who informed me that account was closed due to inactivity and all funds were transferred to State of NC. I mentioned that I never received notification from PNC alerting me to the fact that there was inactivity and account would be closed. XXXX XXXX stated that a letter went out in XX/XX/XXXX. I have been receiving all statements for this account at my XXXX address but not this notice. 
XX/XX/XXXX I called the State of NC and spoke with XXXX who informed me that PNC transferred my daughter 's college funds ( XXXX Account ) to the State of NC on XX/XX/XXXX. They had an address on file of XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. This was my old address. PNC had my XXXX address. Why, then, did they send the notice of inactivity to the wrong address? Why do they have the right to cancel a XXXX account since I can not legally take out funds until my daughter turns XXXX? 
XXXX from State of NC submitted claim # XXXX and it will take 90 days for me to receive my daughter 's college funds. 
Question : Who is responsible for the {$20.00} fee that PNC is charging me for escheatment? 
Question : What will be the tax implications for closing a XXXX account prior to daughter turning XXXX? 
None of this was my fault. 

Thank you. 
Regards, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have previously disputed with the credit bureaus to delete inaccurate information that is reflected on my credit reports. To date, to no avail. The following information should be deleted from my credit reports : XXXX : Delete Also Known As : XXXX XXXX Delete Addresses : XXXX XXXX XXXX, XXXX XXXX, TX XXXX & XXXX XXXX XXXX. XXXX . XXXX, XXXX, TX XXXX XXXX : Delete : XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX De XXXX, TX XXXX XXXX XXXX  XXXX XXXX , XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Transunion : Delete : XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX. # XXXX, XXXX XXXX, TX 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 2021-11-19
Company: CAVALRY INVESTMENTS, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Cavalry SPV, LLC is the debt collector who keeps contacting me by phone, harassing calls and have reported this unverified to debt to all three credit bureaus. I have asked them several times to validate this debt per XXXX XXXX XXXX XXXX ( b ) of the FDCPA guidelines and they have yet to do so. This collection has caused me to endure denial of credit, lowering my fico score and causes defamation of my character. Cavalry sent my billing statements from XXXX XXXX and some redacted XXXX post early out flow sheet which doesnt validate this debt as l have requested on XXXX see attached letter sent and in their response dated XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
cooper is using Unfair, Deceptive, or Abusive Acts or Practices by stating they addressed the cease and desist XX/XX/XXXX from my " initial '' request XX/XX/2021 ( which is a lie because they have had this cease information on record for at least two year or more now because of other inaccuracies or blatant lies from which i then told them to only communicate electronically with me so there could be a record but they claimed I never said anything until XXXX of this year and EVEN STILL THEY VIOLATE and nothing going to be done. still waiting on my hemap loan and im within the waiting criteria for that and also i have a complaint with the banking and securities against mr cooper and they have time to play games on the phone so yet again this proves AGAIN they don't do what they say and mistakes are a EVERYDAY occurrence with this entity and this is affecting consumers lives and i been a witness first hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: Southern Auto Finance Co
State: TX
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:
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : SAFCO  Account Number : XXXX Date : XX/XX/2015 Amount : {$7100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to express my extreme dissatisfaction and frustration regarding the numerous unsuccessful attempts and delayed correction of the late opening of my accounts with Credit Bureaus. Despite multiple communications and persistent efforts on my part, the issue of late account openings persists, causing significant inconvenience and frustration. 



Initial attempt to open the accounts was made, but I encountered issues with the process. 

Contacted customer service immediately and was assured that the issue would be resolved promptly. 

Followed up on the progress, only to find that the problem persisted. Customer service assured me that it was being addressed. 

Subsequent attempts to open the accounts were made, yet the issue continued to persist. 

Numerous calls and efforts were made to customer service, each time receiving assurances that the matter was being escalated, but the accounts remain unopened. 

The prolonged delay in correcting these issues has not only hindered my ability to access the accounts ' services but has also created unnecessary stress and uncertainty. 

I urgently request the following actions : Immediate and expedited investigation into the root cause of the late account openings.

Transparent communication regarding the steps being taken to correct the issues.

Swift resolution and correction of the account opening problems, with confirmation of the successful resolution.

Assurance that these issues will not impact my accounts ' functionality or standing once resolved.

Compensation for the inconvenience and any potential financial impact caused by the delayed account openings.

I insist on a resolution within the exact time frame from the date of this letter. Failure to address this matter promptly will compel me to escalate my complaint through appropriate regulatory channels. I am asking for your assistance to correct the late open accounts in my credit file XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX {$8400.00} XXXX XXXX XXXX XXXX Balance : {$20000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Citibank sent me U.S. postal service mailing with a personal invitation code, to be used to open one of four types of checking accounts in order to receive a cash bonus. I used its online application to request opening of a Basic Banking checking account, which offered a 4 % cash bonus. I took note that nowhere in the application was I asked what type of checking account I wished to open - I thought that odd. Soon after online application submission, I received an email from Citibank indicating I had opened a City Priority checking account, which is not the type of checking account I wanted. The cash bonus for a City Priority account is 1.2 %. I immediately called the phone number given in the checking account solicitation mailing : XXXX. I told the Citibank rep. I wanted to be sure the checking account I had just applied for/opened was a Basic Banking and not City Priority account. I was transferred to New Accounts, and that rep. told me the type of checking account could not be changed. I requested immediate cancellation/closing of any Citibank checking account. I then asked if the personal invitation code could be used again, in a second attempt to open a Citibank Basic Banking checking account. She said the code could be used again after 150 days. I pointed out the last day to apply for the cash bonus account opening is XX/XX/19, less than 150 days away. I told her I will file a complaint about false, misleading advertising by Citibank. This is a " bait and switch '' operation. I consider this fraudulent behavior by Citibank.

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 2017-11-12
Company: EQUIFAX, INC.
State: IA
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:
XXXX allowed an Unauthorized Hard Credit Inquiry by XXXX XXXX onXX/XX/XXXX. I wrote them on XX/XX/XXXX proving identity theft, no response. 

Equifax allowed 3 unauthorized hard inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXI wrote them proving identity theft on XX/XX/XXXX, no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Experian REFUSES TO PROVIDE PROOF THAT THIS BANKRUPTCY IS VALIDATED. 

EXPERIAN REFUSES TO PROVIDE THE VENDOR INFORMATION THAT IS REPORTING THIS BANKRUPTCY. 

EXPERIAN IS VIOLATING MY RIGHT TO PRIVACY. 

EXPERIAN DOES NOT HAVE MY WRITTEN PERMISSION TO REPORT ANYTHING ON MY CONSUMER REPORT ( PERMISSIBLE PURPOSE ) ( 15USC1681B )

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 2021-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I logged in to my online Bank of America account to make a credit card payment & discovered 2 fraudulent charges, both listed as 'ACH payment refund ' on XXXX XXXX in the amounts of {$3000.00} & {$2000.00}. I called my credit card customer service immediately to dispute the charges & they advised me to file reports with the police, the XXXX & XXXX XXXX as well as putting a fraud alert on my credit reports. They are currently investigating, but they said the return of my funds is not guaranteed & could take up to 3 months. 

I have no idea who the thief is or how they obtained my information. My drivers license was recently stolen, but I reported that to the police & the XXXX. They said they cancelled it & sent me a new one & that it would register as invalid if it were scanned anywhere.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: Medical Data Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Requested debt validation for this account .. have not received sufficient documentation that to support this debt.

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