BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-23
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is not mine. 

XXXX XXXX XXXX Acct. XXXX XXXX XXXX, 2016 {$410.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
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: Account status incorrect

Complaint:
Dept ED XXXX reflects 4 times on my credit report because they are 4 different loans but it was transferred and consolidated to 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 2018-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
A few months ago I filed a complaint on Khols because they were reporting an old card that was lost or stolen inaccurately. Khols was reporting late payments on my credit every month for three years. You all helped me and Khols corrected the error. Now out of nowhere, Khols just report a 30 day late payment on my credit for XX/XX/2017, XX/XX/2017 and XX/XX/2017. 
Here we go again with the same problem. I have had no interaction with Khols since they corrected the error on my credit file. Now they are at it again. DEFAMING MY CHARACTER  AND REPORTING ERRONEOUS INFORMATION ON MY CREDIT PLEASE HELP ME

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-23
Company: Experian Information Solutions Inc.
State: NY
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 writing to dispute an accounts fraudulently opened in my name. The name of the account is XXXX XXXX XXXX. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX and XXXX data breach. State issued ID have been compromised and my social security has been compromised. 
I am not responsible for any charges made to this account. 
I request this account be deleted immediately as a resolution to this long awaited matter. Its been years and all I get sent from the copy is a signed contract which proves nothing as anyone can sign my name and statements which also doesnt proof owner ship. The account was opened fraudulent! 


According to federal laws you are required to provide undeniable proof that this debt is valid. A fair resolution to this issue would be complete deletion of this negative trade mark being reported to all major credit reporting agencies. Thank you for your assistance

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 2021-12-03
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I'm not really swayed that you have suitably pleased the rules of the Fair Credit Reporting Act in carrying out your study. My studies have shown me that below Section 1681 ( g ) it is important to allow me with an outline with the method utilized to prove that this account is set in collections and email me the name and addresses of persons contacted for each rule perfectly located at the FCRA.

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 2018-01-23
Company: CFS Holdings, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
OnXX/XX/XXXX, 2018 I was notified that a debt from Confident Financial Solutions was transferred to a 3rd party source, XXXX on my behalf. I contacted XXXX onXX/XX/XXXX/18 and spoke with an agent, XXXX ( XXXX ID XXXX ) in which she confirmed all information and debt was being handled by XXXX. I was a settlement in the amount of XXXX and agreed to pay amount stated by next business day. Agent confirmed settlement amount would be sent to my email for payment and confirmation of payment would be sent via email from XXXX to myself immediately. I was informed that XXXX XXXX would be updated with payment immediately as well and debt would be sent to original creditor within 72 hours. I received email confirmation as such as well. I did explain to them that I was in the process of purchasing home and would to need have letter or email stating balance was settled and at {$0.00} balance. XXXX informed me that XXXX does not report to any credit bureaus ; only reports to original creditor of any updates. I paid XXXX online with XXXX website on behalf of Confident Financial Solutions. When I spoke with Confident Financial Solutions on Tuesday XXXX I was informed then only that I would have to wait 60 days to have a letter that shows balance was paid and settled as {$0.00}. This was not communicated to me from XXXX nor Confident Financial Solutions in which is delaying my mortgage loan. My family was displaced due to Hurricane Harvey in XXXX 2017 and am currently being stressed to the capacity due to this is the only delay we have because of Confident Financial Solutions and XXXX. This is bad business practice and immorally just wrong. I spoke with XXXX, XXXX at Confident Financial Solutions and was sent a letter only stating account was not cleared. Per the mortgage loan processor, I explained to XXXX the letter would have to state balance was cleared at 0 prior to receiving inaccurate information from XXXX. I have requested to speak with the CFO/COO at Confident Financial Solutions and to no avail. Please help. The XXXX has also been deducted and cleared on my bank 's end as well for payment. This is outrageous and I will not stop until there is a sensible resolution and a letter is submitted to myself and husband that debt is resolved, settled, and no monies are owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the debt off through the settlement of the company that currently has the debt.. XXXX XXXX XXXX. XXXX XXXX XXXX in fact sent me a letter stating the debt was paid in full on XXXX XXXX however, XXXX, XXXX and XXXX continue to share the erroneous debt and amount on my credit report. I have repeatedly disputed the debt and called numerous times and it still appears as a outstanding debt affecting my credit and score. I have spoken to Barclays Bank XXXX Delaware, XXXX XXXX and XXXX please assist.

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 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have contacted all 3 credit bureaus as well as XXXX XXXX 7 times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the 3 bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see circled,,,,, this account has been re aged which is a violation, and it is also reporting a credit limit ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the 2 year history it is not uniform across the board which it should be... the reporting on this account is totally inaccurate, not compliant and not reporting factually

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 2018-01-23
Company: EQUIFAX, 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:
Equifax continues to report inaccurate, unvalidated information to my credit file. I have proof from the creditor that this information can not be validated. According to the FCRA, this item should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: CarMax, Inc.
State: AZ
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:
In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX of 2016 XXXX XXXX XXXX reported to the credit bureaus that I had missed four payments which is not true. I made all the payments and XXXX reversed the payments each month and never contacted me to explain WHY! The only way I found out was when XXXX reposessed the vehicle, I have my car payments on Auto pay so there was no reason to Check if the payments were made after receiving a payment confirmation, after making the lump payment of {$1300.00} to XXXX I disputed their claim of non payment for those months to no avail. Please look into this matter for me. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: Resurgent Capital Services L.P.
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:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: WELLS FARGO & COMPANY
State: FL
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/XXXX around XXXX at the laundromat I miss-placed my cell phone which had my Wells Fargo debit card attached to it in the wallet case of my phone. I went back looking for it on XX/XX/XXXX at where I believe I miss-placed it at to see if I could find it. On the same day XX/XX/XXXX I received a fraud alert email from Wells Fargo saying they " detected some unusual account activity on my account ''. I immediately contact Wells Fargo on XX/XX/XXXX in regards to the charges as the last time I had my card was XX/XX/XXXX. There were 6 unauthorized transactions made in a different city from me totaling {$1100.00} on XX/XX/XXXX. I immediately asked the Wells Fargo representative to deactivate the card and disable my apple wallet to avoid further purchases as I believe the person was using my phone as well. I asked Wells Fargo is there anything else I should do like filing a police report. The Wells Fargo representative transferred me to fraud department where they said it would be investigated and I should hear back in 2 weeks and that my new debit card would arrive in the mail. 2 weeks pass by and now on XX/XX/XXXX I received a notice that Wells Fargo completed it's investigation and isn't reimbursing my account for the unauthorized transactions that I did not make. I have been a customer of Wells Fargo since XXXX and am appalled by this lack of resolution.

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 2018-01-23
Company: TrueAccord Corp.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I was notified that a debt from XXXX XXXX XXXX was transferred to a 3rd party source, TrueAccord on my behalf. I contacted TrueAccord on XX/XX/XXXX and spoke with an agent, XXXX ( Agent ID XXXX ) in which she confirmed all information and debt was being handled by TrueAccord. I was a settlement in the amount of XXXX and agreed to pay amount stated by next business day. Agent confirmed settlement amount would be sent to my email for payment and confirmation of payment would be sent via email from TrueAccord to myself immediately. I was informed that TrueAccord system would be updated with payment immediately as well and debt would be sent to original creditor within 72 hours. I received email confirmation as such as well. I did explain to them that I was in the process of purchasing home and would to need have letter or email stating balance was settled and at {$0.00} balance. XXXX informed me that TrueAccord does not report to any credit bureaus ; only reports to original creditor of any updates. I paid XXXX online with TrueAccord website on behalf of XXXX XXXX XXXX. When I spoke with XXXX XXXX XXXX on Tuesday XX/XX/XXXX I was informed then only that I would have to wait 60 days to have a letter that shows balance was paid and settled as {$0.00}. This was not communicated to me from TrueAccord nor XXXX XXXX XXXX in which is delaying my mortgage loan. My family was displaced due to Hurricane Harvey in XXXX XXXX and am currently being stressed to the capacity due to this is the only delay we have because of XXXX XXXX XXXX  and TrueAccord. This is bad business practice and immorally just wrong. I spoke with XXXX, Supervisor at XXXX XXXX XXXX and was sent a letter only stating account was not cleared. Per the mortgage loan processor, I explained to CFS the letter would have to state balance was cleared at XXXX prior to receiving inaccurate information from XXXX. I have requested to speak with the CFO/COO at XXXX XXXX XXXX and to no avail. Please help. The XXXX has also been deducted and cleared on my bank 's end as well for payment. This is outrageous and I will not stop until there is a sensible resolution and a letter is submitted to myself and husband that debt is resolved, settled, and no monies are owed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: DISCOVER BANK
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I have a discover card. Yesterday X/XX/2018 I received 3 calls from Discover card. The first two times I could n't answer, so they called and left no voicmail. 
I saw discover card and got worried, so I logged onto my account to make sure there was no fraud action, and then I called and was on hold for over 10 minutes. Being at work time was a factor for me, so I could n't hold on any longer. 

Received my third call around XXXX- and then person ID themselves, and started asking me if I have a problem making payments, and offering me flat interest rates ( right now I am in XXXX promotion ). Then after I told them no, they continue to ask me to make a payment even though my account was n't due, or even past due. 

I was shocked. I asked if there was a issue with my account, and if I was past due, and they said no they were just trying to be proactive. This made me so upset as they are calling me during my working hours-left no voicemail the first two times, and then harras me for payments when payment was n't even due. They violated my cell phone by calling over and over eating up my minutes and wasting my precious time, time that I need to be able to work so I can pay my bill in the first place To me this was collection when my account was n't even due. Soliciting trying to tie me to an interest rate, when I have XXXX interest rate right now. Harassment for payment - when my account is current. 

What is it that discover wants from me? I think they need to pay me for time, and cell phone charges?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03
Company: EQUIFAX, 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:
Inacurrate and fraudulent accounts reported from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: TD BANK US HOLDING COMPANY
State: NY
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:
This account was showing an inaccurate payment history. This inaccurate information continues to do harm to my credit. This was transferred to another lender so why is it acquiring late fees?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX ( mailed XX/XX/XXXX ), I sent a certified letter to I C Systems, Inc. requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. I verified their receipt of said letter using the USPS tracking feature. They have failed to respond to my request in any way, therefore, they have not proved that I am obligated to pay them anything. They have reported delinquent and negative information to all of the credit bureaus and I asked that it be deleted.

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 2018-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Transunion continues to report inaccurate, unvalidated information to my credit file. I have proof from the creditor that this information can not be validated. According to the FCRA, this item should be removed immediately.

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 2018-01-23
Company: Santander Consumer USA Holdings Inc.
State: NY
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 writing to dispute an accounts fraudulently opened in my name. The name of the account is Santander consumer USA. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX and XXXX data breach. State issued ID have been compromised and my social security has been compromised. 
I am not responsible for any charges made to this account. 
I request this account be deleted immediately as a resolution to this long awaited matter. Its been years and all I get sent from the copy is a signed contract which proves nothing as anyone can sign my name and statements which also doesnt proof owner ship. The account was opened fraudulent! 


According to federal laws you are required to provide undeniable proof that this debt is valid. A fair resolution to this issue would be complete deletion of this negative trade mark being reported to all major credit reporting agencies. Thank you for your assistance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09
Company: Coinbase, Inc.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Coinbase has refused to merge my two accounts after I fully identified myself as they directed. They have not answered months worth of emails. They have stolen thousands of dollars from me in XXXX. [ Reply ] Case # XXXX - Email access no longer valid

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: EQUIFAX, INC.
State: GA
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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: EQUIFAX, 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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX  XXXX {$520.00} XXXX  XXXX {$100.00} XXXX  XXXX {$59.00} XXXX  XXXX {$61.00}

Company response to consumer: Closed with explanation