BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-01
Company: DISCOVER BANK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had moved to XXXX  on XX/XX/2015 Permanantly. But I had noticed that someone ( maybe my room mate ) had stolen my information and opened the credit card and used it. 
I lived in XXXX and I was in XXXX  for short period of time but I think that happened while I was in XXXX. Please remove it from my credit report. 


XXXX Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: EQUIFAX, INC.
State: WI
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:
XXXX ran my credit WITHOUT MY CONSENT OR AUTHORIZATION! XXXX  or equifax did not properly conduct the investigation and has still Not removed this from my credit report hence me filing another complaint in less than 3 months!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
In XX/XX/2019, I was offered a balance transfer with a 0 % APR. On my most recent statement, the rate was increased to 22.99 % and I was charged {$150.00} in interest with no warning or notification. Capital One admitted that the last notification they provided was over 15 months ago, in XX/XX/2019. Additionally, while the XX/XX/2019 statement provided by Capital One does list the offer end date, it is not mentioned on the Account Terms which are legally binding. This is clearly out of line with industry practices as XXXX  XXXX XXXX has sent multiple notifications when their offers are ending.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: Midwest Fidelity Services, LLC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The date of this debt is XXXX XXXX XXXX in the amount of XXXX I didnt didnt purchase anything from these people and I never lived at the address and didnt receive any Merchandise from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: First Credit Services Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. They have violated my consumer rights, and I am seeking legal action to have them removed. I don't owe this debt so this is clearly a violation of the FCRA section 602 ( a ) & FDCPA section 809 if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have explained that these inquries are a result of identity theft and should be deleted from my credit report. I have attached the requested documents to have this information removed.

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 2020-06-03
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Credit reporting agencies did not report with the correct information, after numerous attempts to have the incorrect information removed they kept saying that the account was verified with no proof - last correspondence stated that they would no longer investigate into the error unless new evidence arose but the company has refused to remove themselves from my credit report since 2016 and I am refusing to wait it out until it just " falls off ''

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 2018-03-11
Company: DFC Global Corp.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Unexpected or other fees

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX claims that I owe a debt of {$420.00}. However this was a mistake made by XXXX XXXX. The debt wasn't mine until I attempted to pay a portion of the debt for a friend. XXXX XXXX claims that the debt was switched over to my name and the process couldn't be reversed. So XXXX XXXX called several times in an attempt to collect the debt that I do not owe. 
When contacting XXXX XXXX the second time I was given different information. Now XXXX XXXX then claimed that the debt was over a check that was never cashed. So I do not know why I would have to pay {$420.00} for a check that had a stop payment placed on it and was never sent through XXXX XXXX in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Bread Financial 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: Account information incorrect

Complaint:
The account is paid in full. States closed but has a balance of the amount of my last payment. Please remove any balance and put it at XXXX Balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Kohl 's is saying I submitted the same payment three times. Yesterday when I checked my Kohl 's Charge Account, there was ONE pending payment of {$27.00}. I then submitted a second payment of the rest of the balance because it only showed I had ONE pending payment of {$27.00}. Now they took that amount out of my account THREE times and refuse to give it back to me until all the payments are processed and I have basically " overpaid '' them. Now, I can not even get into my account because the website is saying " The site you are trying to access is currently unavailable.

We're sorry for any inconvenience this may cause. '' I find it very unethical the way they accept payments! If they are going to tell me I submitted a payment three times, then it should show accurately in the payment screen so customers don't get manipulated into paying more than they need to, or they simply take out more money than you authorize which is so illegal. I have tried contacting them twice. The first time I talked to a supervisor and apologized for the system glitch and they would send me a check as soon as everything posted. The next representatives were VERY unprofessional and putting all the blame on me saying that they see three payments and they don't understand what I'm saying. I told them all I only submitted the payment ONCE and they are saying I didn't if it's showing three times!! I keep a spreadsheet of my budget for 6 months at a time to keep track of my bills and I am very responsible at paying them on time and knowing how much to pay. So not even your call centers are telling me the same information..one says system error and the other fully blames me. Excellent customer service ....

The girl on the last phone call assured me that she only sees one pending payment of the remainder of my bill. I will be filing a police report if that charge comes out three times too!

I can not believe Kohls is doing this to its customers! I'll find somewhere else to shop and cancel my account after this is all figured out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XXXX College XXXX XXXX practiced predatory leading made false claims of 98 % placement rate after graduation and students making over 50,000 a year. They had a a class action lawsuit that paid out in XXXX by Attorneys XXXX XXXX and XXXX XXXX. The school was placed on probation for accreditation and didn't inform student body or alumni. There were student loans taken out that were without signers consent falsely by XXXX College staff. This is deceptive practices and against the Dept of Education rules and policies. This School is now closed as of XXXX due to having numerous fines/ complaints and a XXXX XXXX special about the deceptive behaviors/ false claims/predatory lending practices of this school. I would like my federal student loans discharged due to all the above all accrued due to this For Profit College.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Capital Management Services, LP
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been contacted for 3 days in a row by a " Debt collection agency '' called capital management services from the phone number XXXX stating that I owed a {$780.00} to XXXX XXXX credit card company. I told them I would not be giving them my information and I would settle this issue with the XXXX themselves. 

I had previously closed my XXXX XXXX account roughly 10 years ago and verified this by not being able to connect to their billing department because they did not have my social security number on record

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: ENCORE CAPITAL GROUP INC.
State: ND
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For months i have tried to contact Midland credit regarding a credit card that was taken out in my name. I do not have a credit card, nor is this debt mine. The collections needs to be removed from my credit report. This is NOT my debt. I did not have nor do i have any credit cards, nor have I. I would like this false debt removed from my credit report ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I sent out a letter to Equifax Credit information Services to dispute inaccurate information on my credit profile.For your records, I have enclosed a copy of my correspondence and mailing receipts with the collection agency. They have failed to validate this debt and I have nothing proving my obligation to pay this debt. This debt is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: ID Analytics, 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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX SS XXXX XXXX I am trying to get my address and personal information all correct and together. I was in contact with XXXX XXXX and I was told that I had to send in proof of address my information is being confused with another XXXX XXXX XXXX and I have never lived at these address listed below. I do not wish to file a police report unless I have to. Please delete these following addresses the are no a previous address or current address : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX CT XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX CT XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
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 status incorrect

Complaint:
Department of Education and I had a communication lapse. I had moved and received absolutely no notices about the student loan. There is only one ( 1 ) student loan. I was called at work one day in early XX/XX/XXXX. Suddenly they were garnishing my check for the student loans. I was never given the opportunity to apply for Income Based Repayment, Hardship, or forbearance. They have be garnishing my wages ever since. They are paid approximately 15 % of my check every two weeks for over the last 5 years.

They are reporting 9 different accounts on my credit report of which 4 they are  reporting as collection accounts and show the last activity in XX/XX/XXXX. 
Here is an incomplete list of the discrepancies they have shown on my report despite me trying to correct them : 1- There is only 1 and they have reported 9 accounts.

2- The account has had payments made every single month for the last 5 years. They do not reflect this.

3- They list numerous account numbers.

4- I have never been given the opportunity to apply for forbearance or any program to help me deal with them.

I did speak to one person who told me that if they took it out of garnishment the payment would be higher which I could not afford. I was never contacted prior to the garnishment. 

I have spoke to XXXX, Experian and XXXX and let them know there were more than one duplicate and that it was being reported correctly but there was no 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 non-monetary relief
Consumer complaint received 2021-08-22
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello. I am having an issue with my mortgage company ( XXXX XXXX XXXX, aka LoanCare ) that they won't resolve and it's affecting our credit. They are reporting incorrect information to all 3 credit reporting agencies, we have filed 2 credit disputes in addition to having reached out to them via email and called 3x to which we were yelled at on the from a supervisor. 

Back in XXXX of XXXX  we applied for a loan modification because we fell 3 months behind on our payments. We were approved for the modification in XXXX and were set to make our first payment in XXXX. Along came the pandemic and my husband lost his job on or around XXXX XXXX XXXX We called our mortgage company right away to find out what our options were because we weren't going to make the XXXX payment for our modification, and they instructed us that if we made the first payment in XXXX we wouldn't be able to enter a loan forbearance for 3 months so instead they instructed us to apply for a loan forbearance instead of making the XXXX payment. We were approved for the forbearance and have maintained the forbearance every month since XXXX XXXX XXXX. LoanCare has reported us as being late every month since! We have been marked 18 months past due and our on time payments history for the loan had been reported as only making XXXX  % of our payments on time! We have called and spoken to employees who have in fact told us that our loan should not be reported negatively or late since we are an FHA loan backed by HUD and therefore protected from being reported negatively but can not get them to correct the issue they just continue each month to mark us late again. It states on THEIR own website that a forbearance will not be reported as negative and will not affect a borrower 's credit. Well my credit score has gone from XXXX to XXXX because of this incorrect reporting on their part! Please advise what can be done to have this corrected ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: EQUIFAX, INC.
State: DE
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 complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: WELLS FARGO & COMPANY
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 did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

WELLS FARGO DEALER S Inquiry : XXXX XXXX, 2021 XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2021 XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021

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 2018-03-11
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: Public record information inaccurate

Complaint:
There is incorrect information being reported on my XXXX  credit report. I have spoken to representatives and sent letters to dispute the public records which should not be reporting on my credit per the XXXX, which states- Beginning XX/XX/2017 public record data collected for credit reporting agencies, including bankruptcies, civil judgements and tax liens are to be removed from credit reports. 

They have not complied with this law, whereas the other bureaus have.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: Viking Client Services
State: WV
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/, I rented a car from XXXX XXXX XXXX XXXX and returned it the same day. I went through the normal and thourough check up that they do at the drop off location in XXXX, VA where I wasnt informed of any damaged done to the vehicle ( since there wasnt any ). I received a mail from viking billing service that I have damaged the entire front hull of the rented car and that I had a debt of approximately XXXX XXXX How could the entire front hull be destroyed without being informed noticed at the drop off location and not informing me witn anything at the time? Anyways, I paid insurance for this trip but the insurance requires an incident report showing how and where the damage was done. I dont have an incident report and Ive been asking viking billing service to provide with one for more than a year now ( more than 20 phone calls with them ). Viking billing service did not inform me of the option to dispute. 

It shouldnt be my responsibility to pay for something that wasnt pointed out to me at drop off. Leaving that aside, the insurance company which I paid for also wont accept to pay for the charges since viking billing service wouldnt give me a valid incident report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: United Accounts, Inc.
State: ND
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Due to HIPA i would like this removed from my credit report. I did not give permission for my information to be sold or given to a third party. I would like this debt removed from my report due to inaccuracy.

Company response to consumer: Closed with explanation