BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-19
Company: CL Holdings LLC
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: Account status incorrect

Complaint:
Jefferson Capital Systems bought old XXXX  account, opened originally in XX/XX/XXXX.It is since shown as paid off and closed on my credit report report from my XXXX.Jefferson Capital Systems started the date the about was opened as XX/XX/XXXX and shows a balance of $XXXX!I believe this must violate some part of the fair credit act to put such blatant false information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
In accordance with the Fair Credit Reporting act XXXX  XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 states that a consumer can not furnish an account without my written instructions ( which I have not provided ).

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 2019-04-11
Company: Credit Bureau of San Luis Obispo & Santa Barbara Counties
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX and The Credit Bureau of San Luis Obispo have violated my rights under the Health Information Portability Act and released my information without my consent which is now damaging my ability to obtain credit for personal reasons. I requested my itemized bill several times from XXXX XXXX XXXX XXXX after receiving a bill ( not an invoice for charges ). Reporting this information to the Credit Bureau of San Luis Obispo and then mailing it without any privacy security has caused undue harm to me personally. This mail was received first by my next door neighbor, the Credit Bureau of San Luis Obispo and XXXX XXXX XXXX XXXX did not ensure my privacy at all in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
In XXXX, I visited a few car dealerships to shop around and explicitly told these dealerships that I do not want my credit report run because I will be getting financing through my credit union as well as making a down payment. These dealerships then took it upon themselves to run my credit report over 20 times across different banks to try and find a rate that would beat my credit union even though I had just asked them not to do that. They did so against my wishes because they were aggressively trying to make sure I left with a vehicle that day. Below are these frivolous inquiries segmented by credit bureau. 
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 2022-02-17
Company: CCS Financial Services, Inc.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't owe anything to XXXX XXXX with account number XXXX. They should have confirmed this from the XXXXriginal Creditor since I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
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:
This was already paid off as part of a debt settlement. They I sent them proof of payoff through a debt settlement and they said they would look into it and call me and never do. They just continue to keep harassing me over the bill that I already paid

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a credit card with Sears/Citibank and have been paying on it every month ON TIME ( more than the minimum amount due ) but yet my balance is not going down. I don't even use the card that much so it makes no sense why my balance is so high. I have tried to talk with Sears/Citibank via live chat on their website ( on XX/XX/2020 and XX/XX/2020 ) but it's like trying to talk to an automated service. I can't get any answers to my questions. I need Sears/Citibank to break down to me all the charges made on my acct./credit card and explain to me exactly why my balance has not gone down.

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 monetary relief
Consumer complaint received 2023-10-20
Company: Nelnet, Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My student loans was paid off XXXX, XXXX due to fraud they had done. I have a XXXX balance and have the documents from nelnet. Nelnet did report it as that. Someone went in and earned it and placed the loan back to a XXXX balance and I did find out only cause I track my credit. It was around XXXX of XXXX when they changed the credit balance from XXXX, XXXX XXXXNelnet had placed even XXXX dollars and I owed nothing and than it was tampered with by someone else who went in and placed a balance that I didn't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
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: Information belongs to someone else

Complaint:
" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. ''

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 2017-06-25
Company: NAVY FEDERAL CREDIT UNION
State: NC
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:
A hard pull was done on my credit report on XXXX XXXX, 2017 for a checking/saving account with ( NFCU ) Navy federal credit union. Then NFCU did another hard pull on my credit report for a credit application I did on XXXX XXXX, 2017. XXXX hard pull inquires within a 30 day period from the same company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: D&A Services, LLC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This wasn't a frequent call, it was more that they called me at XXXX XXXX  to get me to give them information on my XXXX XXXX XXXX step-son who has not lived with me or even lived in the same state as me in nearly 20 years. My step-son has never shared a phone account with me not do we have similar numbers. We don't share any financial anything together.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
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 XX/XX/2020 I placed an order with company XXXX XXXX XXXX XXXX. The order was for a roll of tape that was free, l just had to pay {$1.00} for shipping. When I checked my account shortly after placing the order, an amount of {$110.00} was charger from this company. I imedietly called their customer service and was informed that the {$110.00} was for a club membership that was never explained in the add i ordered from. I asked them to cancel the order and refund the full amount. They refused. I asked to speak with a supervisor and still to this date of XX/XX/2020 have yet to receive that call back. I have never received a receipt for my transaction of any kind. I contacted my bank to help in this matter. They were unable to help me. I called the company again to get the receipt for my bank and have received nothing. I have made numerous attempts to rectify this situation to no avail. Please help me in this matter. I have attached screenshots of all the information I have. The company refused to provide anything else.

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 2020-10-01
Company: EQUIFAX, 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:
I am a victim of identity theft, I never authorized these accounts. These acounts hurting my credit score and I being victimized by the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX : BREACH OF TRUST ; Huntington Bank XXXX XXXX XXXX, Michigan XXXX, denied my transaction of depositing my Authenticated Negotiable Instrument into the Trust account which is deceptive business practices and a violation of TITLE 15 USC 1 and Bank Secrecy Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX I refinanced my student loans with the federal gov in order to participate in the Public Service Loan Forgiveness program. Due to incorrect information and a mistake on the part of the person who assisted me I was put into the incorrect payment plan structure ( standard repayment plan ) which I only accidentally caught in XX/XX/XXXX. This denied me 9 months of the loan forgiveness program and cost nearly {$10000.00}. The payments made on the incorrect payment structure are higher than the payments made on the correct plan ( income based repayment ). I have been trying to resolve it ever since but every time it seems someone is going to  help me I never hear from them again. 

Apparently there is an appeal process but noone knows how it works and there is noone to physically speak with by me or the loan officers so there is no way I can tell if they have actually reviewed my materials or not. 

Since this time XXXX XXXX XXXX has made multiple other mistakes on my account, only caught by hypervigilance on my part due to no faith in business practices. Things such as putting my loans in deferment without my permission, Sending me a letter stating I made 154 qualifying payments ( 120 necessary for loan forgiveness ). That one was in my favor so they addressed that immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Specialized Loan Servicing has refused to have their attorney contact us. They did not respond to the breach of contract of charging over the Kentucky State Usury Law that is 8 % and is in their contract ( page is attached ) the employees are not trained to address this nor do they understand the complaint. 


PLEASE HAVE AN ATTORNEY RESPOND TO US!

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 2020-09-21
Company: SYNCHRONY FINANCIAL
State: KS
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XX/XX/202 we order online a chair and tool box on XXXX. We never received the merchandise, on XX/XX/15 we received our credit card bill from Sams Club MC/SYNCB - showing a charge of {$300.00} to XXXX. We contacted the credit card company and told them we didn't know what this was. We looked up the website and its a company that sells women 's clothes. We called the number listed on the credit card charge and the lady that I spoke to - said that she was getting over 200 calls a day - from individuals because this was a fraud company that was using their business phone -umber. I can send you a copy of the credit card charge - showing the phone number - XXXX - this is listed to XXXX XXXX XXXX in XXXX Texas. Which is not the description charge name on the bill ( XXXX ). We have called the credit card company several times and explained this to them. They have sent us a letter stating that they have reviewed the information with the company and we supposedly bought a bed and they have delivered it to us. Which is totally false. And they even included a label that the company supposedly used to mail us our ( bed ) - it was mailed by United States Postal Service from XXXX to us. Now who would mail a bed from XXXX using the Post Office? Sams Credit Card/Syncb is  refusing to give us credit for this false charge and we have decided to pay the bill because we don't want our credit ruined. I would be happy to send every bit of information I have. I don't think its right we have to pay for something we never ordered or received.

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 monetary relief
Consumer complaint received 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
There are 147 soft inquires showing on my credit report that are not permissible and where not authorized, experian is constantly changing the information on my credit report such as name, address, credit accounts not reflecting all 48 accounts including refinanced accounts they are just reporting them closed and they are not close, accounts reporting with two statuses to confuse the scoring system as it only scores from any account that has only one status.

Letter of intent mailed XXXX  if report is not corrected complaint will be filed under section 609

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had got a a deposit about XXXX XXXX and they closed my account and wouldn't give me my money but keep sending me overdraft fees but never gave me my money

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 2019-09-19
Company: EQUIFAX, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX of XXXX. The credit agency XXXX, XXXX   and Equifax have not verified my dispute and refused to remove the Bnackruptcy from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
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: Information belongs to someone else

Complaint:
I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XX/XX/2022, My account was closed and I Was given no explanation as to why. I used that as a personal account in order to pay my bills and to cover my living expenses. When I tried to apply and make a new checking account they said I cant. I have {$120.00} balance with Wells Fargo and am looking to pay it In order to get my account back up and running.

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 2018-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was told I owe a debt that I never had and has never even shown up on my credit report and its 8 years old, statute of limitations in my state is 6 years, I asked for written copies of last payment made, original account number and when the account was opened and they told me they wont and dont have to give me that information because they are a third party but told me dates over the phone but no original account number and also said that they are going to impose liens and levies against me and are in the process of bringing a civil suit against me and are going after my name which will prevent me from getting a job in a bank or going into the military among other things and will show up on a background check.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11
Company: PNC Bank N.A.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I was scammed. I met a guy on XXXX dating site. After months of communicating, he claimed he couldn't get into his bank account in US, ( he was suppose to be working on a building a mall in XXXX ) because he had been hacked before. 
Two months later he came up with a plan to to put me on his bank account and I would cash the check to pay his workers so that he could return back to US. He had checks made from XXXX XXXX  in my name. I thought he was sending a check with our name on it. Checks come to me with only my name on it, he tells me to write a check for {$4900.00}, deposit it and he would call his bank to clear it. He told me to go the next day take out {$4600.00} and put into another account. I wasn't able to do that because we didn't have that bank in Maryland. He told me to place money in a book and place in a box and mail to an address. I mailed it. That night my bank card declined. I tried to stop the mail from being delivered. Too late. I went to bank and explained what had happened, got a police report. I know I am responsible for paying this money to the bank, but I don't have any money now. I lost my money also. I need an attorney but I can't afford one and I don't know what I am suppose to do. The bank has me down for fraud.

Company response to consumer: Closed with monetary relief