BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-30
Company: The Stark Collection Agency, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Didn't receive any letters stating I had a negative balance on a checking account that I had closed a few years ago. Apparently there was a balance of {$80.00} on my checking account when I had closed it and nobody told me as well as send me any information about it. It was then sent to collections and sat on my credit for a while without me knowing it which obviously hurt my credit score. This is my first and only debt issue and would like it removed so I can repair my damaged score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within XXXX  days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

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 2021-12-22
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have items on my credit report that I would like to verify the information on. 

XXXX XXXX - Account # - XXXX XXXX - Account # - XXXX XXXX XXXXXXXX XXXX - Account # - XXXX XXXX XXXXXXXX - Account # - XXXXXXXX XXXX XXXXXXXX - Account # - XXXX XXXX - Account # - XXXXXXXX XXXX  - Account # - XXXX XXXX XXXX  - Account # - XXXX XXXX XXXX XXXX  Account # - XXXX XXXX XXXX  - Account # - XXXX XXXX - Account # - XXXXXXXX XXXX  - Account # - XXXX XXXX - Account # XXXX XXXX XXXX - Account # - XXXXXXXX XXXX - Account # - XXXX XXXX - Account # - XXXX Please also remove any inquiries that did NOT result in an account being opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: Bread Financial Holdings, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
To whom it may concern. I have Victoria 's Secret card for 4 years, I paid my bill every month but they never send me the paper bills and the availability of credit is or was always almost full credit limit. 
The last time I used the card was in XX/XX/XXXX and yes, I paid the bills every month ... The credit limits were {$600.00} and. On XXXXI received a letter from them saying they're reduced my credit limit because of inactive, so my credit limit is {$550.00} and available credit is {$3.00} dollars, on XX/XX/XXXX. I paid {$50.00}. 

Even though, Ive paid my bill every month where did my money go?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: ALLY FINANCIAL INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Recently we leased a new automobile. Shortly after completing the lease I received a letter from Ally Bank Lease Trust, stating they had been asked by my XXXX dealer to accept the lease. The letter stated that they could not do so because my credit score was unavailable from XXXX. The reason my score is unavailable is that I have placed a freeze on my credit reports from XXXX, XXXX and XXXX. Because my information was not available from XXXX, Ally tried XXXX , XXXX. XXXX is a credit reporting agency I have never heard of and the information they have on me appears to be incomplete. 
I have two complaints as follows : - Ally is using a credit reporting agency that is not nationally recognized and who is providing less than accurate data. 
- If XXXX , XXXX is legitimate, why has it not been required to be part of the free credit report process as outlined on 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 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2018-01-04
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ditech sold my mortgage to XXXX as of XXXX XXXX. They told me that all payments go to XXXX, now they have put on my credit that I still owe them a payment of XXXX for XXXX. XXXX XXXX, XXXX I sent XXXX XXXX for XXXX, XXXX and XXXX payments. Ditech sent XXXX XXXX to my account for overpayment. Now Ditech says I owe them XXXX payment and it shows up on my credit report that I am a month behind. I called Ditech and they are insisting that I make the payment to take this off my credit report, XXXX says that I am up to date on my payments. Attached are my payments and dates for both companies, look carefully at Ditech XXXX XXXX, XXXX the interest for that month is twice what it is suppose to be for a total of XXXX, when I questioned they told me that was what I owed. But I paid XXXX and they put payment of XXXX, try to figure this one out. I would like to have this cleared and my credit cleared up ... ... .notice that I paid more then the required payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: ICQ Search and Recovery Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We were mailed a collection notice from a company called " I.C.Q. Search and Recovery '' for a lab bill that was paid by check to " XXXX XXXX '' over a year ago. When I attempted to call the number on the letter, it goes straight to voicemail with no way to get to a live person. When I searched the internet, there are tons of complaints about this same company and this being a scam. I have a copy of the notice/letter and a copy of the check ( proof of payment ) that was cashed and posted to my account back in XXXX 2016. I have mailed a copy of the check to this so called company but am very concerned that they are scamming people and trying to collect on old invoices that have already been paid. Thank you for you help!

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 2017-09-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze and unfreeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. 

XXXX should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
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: Information belongs to someone else

Complaint:
To Whom it May Concern : Recently I viewed my credit reports and realized that there was a derogatory account reporting on TransUnion and XXXX. I have no recollection of ever opening this account and believe it to have been opened fraudulently under my name. 

I do have, and am very happy with, an open account with XXXX . My only concern is the account that appears to have been opened in XX/XX/2017.

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 2021-12-22
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: Account information incorrect

Complaint:
I reached out to Experian via phone on XX/XX/XXXX called a rep by the name XXXX at ( XXXX ) XXXX regarding incorrect information on my report concerning XXXX XXXX XXXX. I left a message for XXXX and as of today I received no call back or response. 

According to records and XXXX XXXX XXXX customer service the account went delinquent with no interaction XXXX. XXXX has is reported on my report that it went delinquent XX/XX/XXXX which incorrect according to the customer service notes which is an error.As a result of the incorrect information this account should've feel off my credit report this month of XX/XX/XXXX being the account is 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 2020-06-22
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The bank which my car loan was held at, put a block on it for another reason. Every month for almost a year, I have called in to transfer funds into that car loan relying on what a representative at NFCU tells me because I am restricted and not able to look online nor go into a branch due to covid. At some point, I was 30 days past due and was not aware, in which they are usually good at giving me a call or any past due amounts or concerns. As soon as I made the last car note payment, I received a hit on my credit of that noticed. I contacted NFCU, however, they are unwilling to help and listen to the recorded lines for accuracy to plead my case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: KINGS CREDIT SERVICES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
KINGS CREDIT SERVICE ACCOUNT NUMBER XXXX WAS PLACED ON MY CREDIT REPORT AND HAD BEEN PAID BY MY INSURANCE COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
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:
Multiple times since last year I have been dealing with the three major credit bureaus that deal with reporting credit reports and scores. Since then, I have been filing a dispute due to multiple fraudulent activities were taken against me because I was a victim of identity theft, and my personal information was compromised. During that time, identity thief ( s ) used my information to obtain benefits and services from the listed creditors in this attachment that have been impacting my credit score negatively. The credit bureaus have not been doing anything regarding this issue and only stalling my request. I sent official documents from the Federal Trade Commission and everything they requested. Yet, the credit bureaus kept stalling and denying the fact that they have my documents. The incompetency of their work is affecting my and every other consumer 's financial credibility which they are ought to protect and report accurate information at all times. The listed accounts do NOT belong to me and it is the work of an identity thief.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Citibank NA wrotena letter to me they will be closing both my checking and savings account on XX/XX/2021. I have called several depts and their XXXX dept but there is no reason being given on why my accounts are being closed.

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 2019-11-05
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company has sent me an email trying to collect on a debt. They have actual sent the email to the wrong person. Any and all debts are supposed to be in writing not via email. This company is not follow the consumer protection laws. They sent me some letter offer 100 % settlement. I have responded to the email stating debt is not mines and they should not be send this information via email. I also have asked them to stop communications with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have received an alleged debt collection notice from XXXX XXXX XXXX XXXX XXXX. I have requested a validation of debt on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX and have yet to receive a response. in addition, the Credit Reporting Agencies are claiming to have received a response but have failed to provide their method of verification. This has been detrimental to my credit report and score. I need to resolve this matter as soon as possible as this hindering my opportunity to secure reputable employment.

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 2017-07-26
Company: WELLS FARGO & COMPANY
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Wachovia Bank, which I 've never held an account at called me telling me that I owed them money and fees for a negative balance. They were rude, cursing, and threatening me with a subpoena to appear in court. Somehow, they contacted my step mother, step sister, grandmother, and myself regarding this false information. The phone number they called from is XXXX, but they left a return phone call number on a voicemail of XXXX. This is harassment and it needs to stop.

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 2021-12-22
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:
I am having major issues with XXXX and their horrible reporting issues. First my payment in XXXX they kept having issues processing payment. They charged me a late fee when the issue was on their side as I kept having to wait for them to add the bank account and verify. I also responded in multiple emails for them to charge my account which they kept making excuses for saying that I responded to the wrong email or missed a word. It was ridiculous and I told them I refused to pay their XXXX late for their issues. I made the payment for XXXX My payment due was XXXX. So they instead reported my account as past due for the month for XXXX which was the balance of late fee which I refused to pay due to their errors since I paid XXXX which was more than payment due. They still have not fixed on my account as paid on time on credit reports, but found the investigation and ended up refunding me XXXX in XXXX for the error. Which is attached in emails. Next I made my XXXX payment for XXXX. I sent them copies of my bank statement as well as the screen shots added and they still said it was late. They told me my bank account was Frozen. Which again is not true because then they withdrew on XX/XX/XXXX and XX/XX/XXXX from that same account 2 more payments. They have tons of issues and I am tired of them reporting incorrectly. Claiming my bank account is frozen even though they have taken 6 payments from it and then reporting my account as late incorrectly on my credit causing irreparable harm and stress. Then to add insult to injury you will see in all the emails when they are wrong they do not respond for XXXX, 30 days and half of the emails bounce back. So they do not respond in any timely manner what so ever!!! This is by far the worst company to deal with.

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 2018-01-04
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
In XXXX XXXX, I incidentally signed a student loan with XXXX XXXX, which later became Navient, for continuing my adult bachelor studies. In XXXX XXXX, while still active with school, Navient started billing me for loan repayments. I 'd updated them on my schooling status, but they insisted there was no record that I was a student, so inevitably they contacted the school for verification, and from thereon there was no further communication. 
In XXXX XXXX, Navient started billing me again, and I updated them that I was still in school, and they told me I was required to send them a forbearance request for postponing my payments for a couple months. I told them that school did n't end until XXXX XXXX, and they insisted they were in the right to bill me for loan repayment, and gave me the runaround about filing yet another forbearance request. I refused and did not return their calls afterward, considering their behavior harassment. 

Navient contacted me yet again, in XXXX XXXX, about repaying my loan, even though I was still in school, and I told them I would file harassment for fraud, if they did not stop. There was no further word from them until XXXX XXXX, when they hastened me to start repaying my student loan. I was incidentally unemployment at the time, so I tried filing an unemployment deferment, and they told me I did not 'qualify ' as supposedly I 'd exhausted such benefits, from back in XXXX. Well, I contacted the Federal Dept and the Federal Loans about the matter, and they told me there was no such thing as 'exhausting unemployment ' benefits for deferment. 

So basically Navient lied to me, and I insisted once again that I wished to file an unemployment deferment, and they refused, once again insisting about the exhaustion excuse. Then they proceeded with the runaround about me submitting deferments and forbearance, to see which one I " might qualify for ''. Well I wasted my time doing that, just to keep them at bay. Their website is disorganized, half the links did not work, or rerouted me to other irrelevant areas, and basically was determined nonfunctional. I did manage to upload one short term deferment and a regular forbearance request, and weeks later Navient claimed they could find no record of these uploads, when I had the receipt copies and the emails to prove they 'd been received. 

This matter went on for some time, between XXXX XXXX and XXXX XXXX. Navient continued to call and harass me that I was going " default '' on my loan repayment when I was not. And again, they wasted more of my time, running me around with resubmitting forbearance and deferment requests. To this day I have not made a loan payment because of their deceptions and harassment practices.

Company response to consumer: Closed with explanation