BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-15
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX XXXX, I singed up for a XXXX 3 day trial for a website. At the time I signed up for the XXXX 3 day trial the website charged me for the XXXX trial AND a 18 month membership for XXXX that I did not authorize. Both charges occurred at the same time and are still on my account, even though I have gone through the dispute process. The bank declined my dispute siding with the website that fraudulently charged my account almost XXXX.

This is unacceptable in modern banking and internet era. This means anyone can just charge me whatever they want and I have no protections that the bank advertises. It specifically states on their website upon signing up and in the TOS that I am not liable for unauthorized charges, that is apparently false and or false advertising. It is obviously not true.

In addition to the fraud charges being allowed. The bank suddenly close out my ATM card without notifying me causing me issues at merchants and embarrassment which could have been avoided. After sending me the new card, the new card is being declined and turned off randomly with a code to the merchant that it is a fraudulent charge, again causing me much embarrassment with the local merchants.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
While being a customer of XXXX now XXXX, I've had several issues of over charges for my account and was a loyal customer for over 4 years. When expressing concern for a service I was charged for and was never informed I had access to, I was ignored. I had a conversation with XXXX and my account was never corrected. XXXX charge me for a phone service which I was told was part of a bundle from the prior year, which I never was informed of. I learned of the service charge after disputing another issue with my cable service over the phone. When I asked for my call to be escalated no one ever contacted me back. I'm certain that I was charged excessive late fees as well. 

Currently, I don't have anything to attach because I don't have access to my notes due to storage but XXXX has access in their records of my calls. The rep informed me they were taking notes, unless the rep lied to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have sent off my disputes for Experian for account with XXXX XXXX and account number XXXX. I have no idea about this account and its the ONLY negative thing on my credit report. I would like for this other person account be removed from my credit file.

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 2021-03-24
Company: CCS Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed XXXX around {$550.00} in XXXX and in XXXX, my wife received a large settlement due to a lawsuit and we paid off all of my debt, including this bill from the collection company Credit Collection Services. I paid them through an automatic system at a " 50 % discount '' that they claimed I qualified for, and now 3 years later, I am receiving the exact same letter with the same " qualifying discount '' even though I already paid them. They told me they have no record of my payment and I even found my bank statement showing my payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: U.S. BANCORP
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted by phone about an 11 year old debt that I had previously tried to pay. This put me into a panic and I reached out to XXXX XXXX through the contact information provided. I was told that there was a civil lawsuit against me in the county I live in and that I was going to be charged with financial fraud. I was told If I paid the Fee of {$3100.00} on a orignal debt of {$450.00}, that all proceeding efforts against me would cease and the issue would be resolved. 
Out of fear of criminal action against me, we negotiated a payment of {$2000.00} which I paid with the understanding that that the issue was done and I have no further fear of criminal charges being levied against me. 
Now I am questioning what I have done and am inquiring if this was legal on their part. 
Did this debt have to be repaid? I was told by a representative of XXXX XXXX that the contract I had signed with USBank upon opening an account that in the tolling section there was a stipulation of no statute of limitations for debt collection.

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 2022-08-13
Company: EQUIFAX, INC.
State: PA
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:
By the provisions of the Fair Credit Reporting Act, I am sending this complaint to request that the account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file.The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$0.00} Please confirm the information shown in this account is 100 % accurate or CORRECT this account information from my credit report because I believe it may be erroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: WELLS FARGO & COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX sent mail to them and they signed on XX/XX/XXXX and heard nothing back from them. I mailed them again on XX/XX/XXXX and still I heard nothing back from them they also did not update the remarks on my credit report stating my dispute

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 2019-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 was a victim of fraud or breach. There is an address on my credit report from OH. Only resided in XXXX, XXXX, and XXXX. Also, multiple hard inquiries on all 3 credit agencies that were not made by me. Also an account in collections from XXXX ( {$560.00} ) already disputing Spoke to Transunion, XXXX, and XXXX via telephone. Just had dispute letters drafted, will be putting in the mail. 
The hard inquiries ; Transunion XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX ( 2x ) XXXX XXXXl XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX ( 2x ) XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX ( 2x ) XXXX XX/XX/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 2019-05-13
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, XX/XX/XXXX and XXXX, 2019 I mailed XXXX letters complaining about how they had illegally obtained a report from XXXX XXXX and attached it to my XXXX Report without my permission or any sign authorization from me to obtain this report. Nowhere in any information that XXXX issues state that they can attach any other vendors report without your permission or authorization.

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 2020-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 recently started montering my credit and I notice accounts on my credit profile that I have never been made aware of until now. My information was compromised due to XXXX  's data breach and I would like these accounts removed from my credit profile

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 2020-02-24
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: Old information reappears or never goes away

Complaint:
XXXX XXXX Ss # last 4 XXXX DOB XX/XX/XXXX SWORN AFFIDAVIT I'M SUMMITING THIS COMPLAINT BECAUSE EQUIFAX IS REPORTING A COLLECTION ON MY CREDIT FILE THAT WAS DISPUTED BY ME SUCCESSFULLY WHEN THE ORIGINAL CREDITOR REPORTED IT XXXX XXXX XXXX THEN MY DISPUTE STATED THAT THE ACCOUNT WAS A FRAUDULENT ACCOUNT AND IT WAS REMOVED I SUMMITED POLICE REPORT SEVERAL TIMES PROVING THAT I'M A VICTIM OF IDENTITY THEFT I HAVE HAD A FRAUD ALERT ON MY CREDIT REPORT SEVERAL YEARS BECAUSE OF THE FACT THAT I'M A VICTIM OF IDENTITY THEFT NOW XXXX XXXX XXXX HAS PURCHASED THAT ACCOUNT AND REPORTED AS A COLLECTION ACCOUNT CAUSING MY CREDIT TO DROP FROM A XXXX TO XXXX I'M IN THE PROCESS OF PURCHASING A HOME AND IF THIS FRAUDULENT ACCOUNT CAUSES ME TO LOSE OUT ON PURCHASING MY HOME EQUIFAX, XXXX   AND XXXX XXXX WILL BE NAME IN A FEDERAL COMPLAINT ALONG WITH XXXX XXXX AND XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

Company 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 2019-05-13
Company: EQUIFAX, INC.
State: TN
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:
They have failed to remove the repossession as well as incorrect late payment dates. Several letters have been sent and nothing has been done to take care of the situation. The car is to be in my father 's name and not mine. This is affecting my home buying process. This has been an issue that I have been attempting to resolve since XX/XX/XXXX. Last letter was sent in XX/XX/XXXX asking the bureaus to remove the negative statements on my credit report. Also XXXX has said they would send a letter to the bureau 's to have those negative remarks removed, so either nothing was done or XXXX never sent those letters. This vehicle needs to be removed immediately and and corrected for it is bringing my father 's credit score down.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I have an account reporting on all 3 of my credit bureaus for a credit card that was included in my Chapter XXXX bankruptcy. This card was included in my bill of matrix when I originally submitted my documents for the matter. It should not still be reporting on my credit as a derogatory account once it has been discharged.

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 2019-01-29
Company: Innovis
State: OH
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:
My name is XXXX XXXX .I have a few items of personal information on my file that is inaccurate First I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. I am a business owner my company is XXXX XXXX XXXX XXXX XXXX XXXX. 
The following addresses are not accurate please delete them : XXXX XXXX XXXXXXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXXXXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX   XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: M.A.R.S., Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My husband and I leased an apartment from XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Oklahoma XXXX. We signed a 6 month lease. In XX/XX/2019 my husband got notice from his job about changes and relocation. Therefore, on XX/XX/XXXX we went into the office at XXXX XXXX to tender our notice to vacate and find out the fee to be released from the lease. The agent we talk to in order to give the notice asked us if we would like to sublet the unit. we asked how does that worked and she explained to us that it would release us from having to pay for the last two months remaining in the lease or any other fees. We agreed to the transaction. She said that there is a lady waiting to see her who is looking for the size apartment that we have but currently they don't have one available. She said please follow me so I can introduce her to you all and see if she would agree to sublet contract. After speaking with her she was very excited and agreed to the subletting. The leasing agent asked us to use the office computer and complete the subletting documents. In which we did. We move out the end of XX/XX/2019. Some months later we got a email saying we owned for the remaining of the lease and all fees associated. We were confused. I contacted the manager but did not get a reply. I emailed the manger about the matter and she replied she was not aware of the subletting or lease takeover. After I emailed her conversations about it she now said she was aware but we are still responsible for the balance. The management can not justify why they are taking such action in trying to make us pay what we are not responsible for. We professionally cleaned the unit and took video and pictures after moving out. We signed all subletting documents. The manger recently reported this debt to the credit bureaus. This indeed was false reporting. If this matter is not resolved in the next 30 days, Our next step is to take file charges against XXXX XXXX XXXX in small claims court and sending this case to the Federal Reserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
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: Information belongs to someone else

Complaint:
I am a victim of identity theft and I disputed the fraudulent information with the credit agencies. I did not authorize anyone to use my name or personal information to seek ; money, credit, loans, goods or services described in this report. The credit agencies, refused to remove the fraudulent items after submitting ; FTC report, Police report, credit report, proof of ID and credit report with fraudulent items circled. 


Listed Fraudulent Items below : Account : Account Number : 1. XXXX XXXX XXXX 2. XXXX XXXX  XXXX 3. XXXX XXXX XXXX 4. XXXX / XXXX XXXX 5. XXXX XXXX DEALER XXXX Wrong Addresses : 1. XXXX XXXX XXXX, XXXX CA XXXX 2. XXXX XXXX XXXX XXXX, XXXX CA 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 2021-08-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX and XXXXI sent a letter regarding inaccurate items, late payments and unknown things on my credit report to this day over 75-105 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and it has been over 75-105 days so they should be deleted promptly. I have reached out to all companies but to no avail and no responses. Please help with these unfair challenges

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
The dates and amounts cary over the course of 10 plus years. I would receive phone calls and they were calling me names, like XXXX****, and saying i got the loans now its time to pay or i will my house, car, children would call me at leasr 20 times a day. I changed my phone number over and over and they still found it. They said i had to send payment asap. 
I would get different information everytime i would talk to XXXX. I was given more amounts of what i owed or how much my monthly would be They told me everytime called that my account would be updated with the information, but of course, never was. 
They would callny job at the time i hsd one, that i got fired because of them. 
Was even told the law enforcement will be showing 5that same day to take.me to jail. 
Was told since i was also on state assistance, to get off my XXXXXXXX XXXX XXXX*. Was called XXXX XXXX. Sometimes they would be arguing with me that i couldn't get a word in i would cry for hours because of their nonsense.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
On XX/XX/2020, a fraudulent account from a collection agency named XXXX appeared on my Experian and XXXX  credit report. I am not indebted to this company or any secondary company. As I pay my bills on time. I never received any written communication referring to any alleged debt from this company, my right to dispute, or my right to request proof of this fraudulent debt, prior to this fraudulent posting of a collection which is a violation of the FCRA and the FDCPA. The posting of this unverified and fraudulent debt has severely hurt my credit score and my ability to obtain credit. This fraudulent debt is unverified, incorrect and should be removed immediately or legal action will be taken.

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