BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-25
Company: KLS Financial Services, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I work part time as a contract employee at XXXXXXXX XXXX XXXXXXXX in NC. The company had an invoice that had been sent over to collections to KLS Financial late XXXX. The original company had given the collection company our office contact info and must have given them my personal number as well. I contacted both the company and collection company on a regular basis to let them know how the company was paying the invoice, as we had updates. XXXX XXXX started contacting me in XX/XX/XXXX. I have repeatedly responded to her incessant calls, I originally called her back on XX/XX/XXXX, received her vm and left her a detailed message. I have repeatedly asked her to email me, reply to my emails and confirm receipt of emails. She never does this, in particular, when I have emailed her and let her know not to call myself or family/friends to try and get a hold of me. I have put it in writing to her twice and have yet to receive a reply. She has called my husband, and called 2-3 other people I know that have informed me they have received a vm from her. This invoice/bill is to the company that I work for, I do not own the company and have told her I am only an employee. I am absolutely furious that she continues to harras me on a personal level when this is not even a bill of mine. I am an office worker that just does admin duties there. What gives this company the right to harras an person that works for a company when the bill/invoice is not in my name nor affiliated to me any any way. I have forwarded another email to her today XXXX sent at XXXX, in this email which was sent from my work email, I included the people that work for the company that XXXX XXXX works at as well so that they can see the correspondence. The forwarded email was my original email sent on XX/XX/XXXX letting her know I left her a detailed VM and again was requesting she only call me at the office number which i gave her or my email and to stop contacting anyone else. I also let her know I was only an office worker and this was not my personal debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 a credit card on my trans union and XXXX  credit reports from XXXX. I believe this is a XXXX credit card however I do not have a XXXX credit card so this does not belong to me and it is showing a balance. 

The account says it was opened in 2015 but I hadnt noticed it until now, the report balance on the card is XXXX. I dont want this account open in my name or to be associated with the balance, it is not mine.

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 2022-12-09
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Please see attached document as it contains my complaint. 
I XXXX XXXX XXXX submitting this complaint myself and no third party involved.

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 2022-01-25
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: Account information incorrect

Complaint:
These unfair mechanism has broken plenty of laws and taken advantage of me the consumer by not taken my claim seriously, This has caused me an financial burden, financial injury and defamation of character because of a 30 day no response

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: EQUIFAX, INC.
State: FL
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: Problem with personal statement of dispute

Complaint:
It is being reported by all 3 bureaus a charge off of {$240000.00} from XXXX XXXX XXXX. It is benig reported by XXXX and Equifax as a " charge off '' and that the account i question was closed XX/XX/XXXX yet months following there is no data until XX/XX/XXXX they state a last payment and XX/XX/XXXX a 1st deliquency. For years XXXX and XXXX they report " no data '' then pick up in XXXX CO which means charge off and have continued to present. 
I have submitted multiple disputes only to receive a message that the account has been verified and that it belongs to me. Well the problem I have is ; I have spoken to a XXXX XXXX XXXX representative from the number that is provided. They have NO record of me or the debt nor have they been reporting according to this representative the other day and have opened an investigation, report # XXXX. 
It is my opinion Equifax and XXXX are self reporting perhaps for personal gain, but it is now become noticeable this is harassment. I also disputed this information with XXXX and they have since " removed '' this from my credit report. 
This information is causing me financial harm and have been denied loans which I needed to purchase a home. Now they have changed this information to closed v/s charge off which from their description a " closed ' account can remain for 10 years v/s 7 years for a charge off bad debt, late payments. This has now reached the 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
THE REMOVAL OF CHILD SUPPORT FROM MY CREDIT REPORT 609-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 non-monetary relief
Consumer complaint received 2023-09-04
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hello, Sometime last year my Citibank credit cards were all closed. I was on automatic payments with my accounts. One of the account had a small balance. When Citibank closed my accounts they automatically stopping my auto payments. By the time I realized it my account was 30 days late. I have never been late on my Citibank accounts. They themselves can verify it. I am asking that they remove this lateness from my credit report. 
Also during this time my husband was in a major accident. He was later diagnose with XXXX and just passed. 
Thank you, 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 2022-12-09
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Purchase made at store location in XXXX MT on XXXX/XXXX/22. 

A commercial credit card was used to purchase blinds for a rental home in XXXX. 

The store employee had difficulty " getting the payment to go through. '' The purchase in dispute is for {$990.00} worth of blinds. I was given the following receipts at the customer support counter : Trans # : XXXX {$1000.00} ( {$990.00} + XXXX tax ) Trans # : XXXX + {$1000.00} ( Credit ) Trans # : XXXX {$990.00} The XXXX/XXXX/22, statement included the following charges and credits from the XXXX Store : XX/XX/22 invoice # : XXXX {$1000.00} XX/XX/22 invoice # : ( {$1000.00} ) XXXX/XXXX/22 invoice # : XXXX {$990.00} XXXX/XXXX/22 invoice # : XXXX {$990.00} I am certain the the extra {$990.00} is an erroneous double charge, and I have disputed it XXXX times. In all this time, I have not received any written documentation from Synchrony bank regarding the resolution of the first XXXX disputes, and was only informed of it being in Lowes favor when I called the customer support number on the Lowes statements. 

Regardless of their previous decisions, I am continuing the dispute the charge because I did not get XXXX sets of merchandise worth {$990.00} on XXXX/XXXX/22 from the XXXX Lowes Store. I have spent a lot of time on the phone and organizing my records to deal with this incorrect charge, and it is still not settled.

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 2017-12-29
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The following fraudulent and unauthorized credit card dont belong to me because this account was lost/stolen and all of the charges/transactions are fraudulent and unauthorized, and dont belong to me : 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 explanation
Consumer complaint received 2023-09-04
Company: Kikoff Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are a number of hard inquiry on my credit report that I did not authorize, would like them to be removed. 

XX/XX/XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
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/2022 I received an alert from XXXX that they has been a hard inquiry on my credit by Bank of America. I have not tried opening account or any loan products with Bank of America. I have tried contacting Bank of America and I was given XXXX different phone numbers because no one knows how to handle to a fraud situation. I have filed the dispute with XXXX as well, and I have frozen my credit.

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 2018-01-15
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:
My Trans Union credit report lists a hard inquiry made on XXXX XXXX, 2017 by XXXX XXXX. I did not authorize this hard inquiry and suspect fraud. The contact information is : XXXX XXXX XXXX, XXXX, XXXX XXXX. Phone XXXX. National credit cards/ airlines.

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 2022-12-09
Company: EQUIFAX, INC.
State: TN
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:
There are items on my credit report that are not true, incorrect, not mine, unverified and not my responsibility on my credit file. I am a victim of identity theft. According to 1681 c 2, you must remove and block any information of a consumer in which the consumer identifies as information resulting from alleged identity theft within 4 business days. I have provided the consumer reporting agencies with notification of my identity theft on XX/XX/2022 and XX/XX/2022. As of this moment, the fraudulent accounts remain. My rights as a consumer have been violated. No account can be furnished on my credit file without my written consent. I have given no written consent. This is a violation of 15 USC 1681 a 2. I am demanding that you cease and desist all forms of communication of these fraudulent accounts directly or indirectly to any person through any medium. My consumer report is being used as the medium. Communication is happening when the false accounts on my identity theft report are being illegally furnished on my credit file. My financial reputation has been damaged. I am dealing with XXXX XXXX  due to this defamation. If these accounts are not deleted immediately, I will not hesitate to take immediate legal action against you and any other furnishers of these false, non-compliant accounts on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: American Credit Acceptance, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
i have been dealing with some financial set backs last couple months, losing work, missing more work due to catching XXXX  and fraud with my bank accounts declining payments i made causing my checks to come back and the bank paying off another automatic payment instead of the ones i authorized first to pay causing me to get behind on multiple bills. My car payment being one of them. I have been on time with my payments evne a year on furlough from XX/XX/XXXX til i returned back to work on XX/XX/XXXX, i still made an effort and never got behind on my payments until now. Good thing is i will be caught up middle of XXXX next month. A problem is now due to the declined payments ( even though i had enought money in my account to cover it ) this company has blocked any payments from me using a checking account, debit or credit card. I had my Bank even do a bill pay and send them the money so i 100 % gets to them, but my bank sent the payment to me instead. Now this company wont take my payment over the phone, and i been trying to pay it all month and last week. they said i broke my arrangements, and I have to go to XXXX XXXX to pay it. I tried paying XXXX XXXX with my credit card today but my credit company wouldnt allow it. last couple months i have been approved for refinace though other leasing companies that both of them have my intrest rate dropping more than 11 % with payments dropping $ XXXX {$65.00} less a month. Due to XXXX  and loss of work i just didnt think i should change things since i had been paying my car note and rent with my savings and early retirement i had taken out late XXXX to survive. i probably shouldve sent the car back then since i couldnt work and had no use for it. But, i dont want to mess my credit up since i worked hard to fix it and remain determined to get it up to a place i never had it before. I just want to make a payment today, or tomorrow. i also want to pay another monthly payment on the XXXX of this month.. that will be two months paid this month. After that i want to pay XXXX XXXX payment on the XXXX XXXX XXXX. But, will i be able to? will this company take a payment from me? I am begging them, just take my payments please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-09-06
Company: Foris DAX, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
It was a platform name XXXX XXXX XXXX, that I was trading for almost 2 months took an amount of {$36000.00} on my bank account.They used crypto currencys platform too, and an app name XXXX  and crypto.com.it was happened on XXXX to XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient.. I have told NavientXXXX In the past years that I have been set up with a Fraud Loan And that the fake XXXX that the money was given to.. XXXX XXXX XXXX was a fake school ... that was later shut down by the Federal Goverment..I have tried to tell them that i could not pay for the Loan at the time they gave it to me... And should have never been approved ..but still they call me all the time. leaving messages ..And when i call them to try to find out what I can do to fix this They try to put me under more Debt.. with bad .interest rates..and there Loan Program..I need help to try to deal with this ..They Navient are saying that i dont qualify for the Forgiveness Program ..Then who does..?? I was tricked by Navient into this Loan..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Telephone call from someone pretending to be from Bank of America Fraud department. Advised of a fraudulent charge which had been posted to my account. Convinced me that I had to immediately process a XXXX transaction to prevent the money being lost. XXXX transaction to a phone number that had been reconfigured to look like my own. XXXX. 

Bank of America claims that the money was transferred at my own free will. XXXX has no protection whatsoever even though both know the party that initiated the transfer. I believe XXXX XXXX should provide coverage and ensure full reimbursement.

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 2022-01-25
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
i am a regular consumer with several regular credit cards, a postal address, etc. I purchased a prepaid mastercard from XXXX 's ( XXXX ) in XXXX. I put {$200.00} on the card. I wanted to make a discreet online purchase, so I wanted to pay using the prepaid card so that it wouldn't show up on my bank account for other family members to see. 

Only once I open the card packaging, it informs me that I have to register the card online ( at XXXX  ). fine! that's okay, as long as they don't send me anything to my address. I put the 16-digit number into the webpage and it says there's a problem. I try again. I try again. I call the customer number. I wait 30 minutes on hold. the customer services representative informs me that the number has been used in a fraud and the ONLY possible way they can remedy the situation is to SEND a physical card to my address. Obviously, that's not an okay solution for me. To be clear, I don't mind giving my address to the website, but I absolutely don't want anything sent to my physical address. I discuss options with the customer services person. I speak to a supervisor. Nothing. it's as if they have had this conversation a hundred times before. 

I give up. I fume for a few days at my lost {$200.00}. Then I go and buy another card ( this time for {$150.00}, I found a cheaper online test ). I purchase from a different XXXX store, and use XXXX rather than XXXX. guess what? SAME THING HAPPENS. 

I'm now {$350.00} out of pocket ( plus purchase fees ) with the feeling that the gift card company knows exactly what's happening and loves taking my money and not giving it back.

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