BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-24
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The Items below, belong to someone else not me. These items are stopping me from buying a home XXXX # XXXX for the amount {$990.00} XXXX # XXXX for the amount {$970.00} XXXX # XXXX for the amount {$900.00} XXXX # XXXX for the amount {$690.00} XXXX # XXXX for the amount {$650.00} XXXX # XXXX for the amount XXXX AD XXXX XXXX XXXX # XXXX for the amount {$440.00} XXXX XXXX XXXX # XXXX for the amount {$320.00} XXXX   # XXXX for the amount {$220.00} XXXX # XXXX for the amount of {$190.00} XXXX XXXX # XXXX for the amount of {$160.00} XXXX # XXXX FOR THE AMOUNT OF {$120.00} XXXX # XXXX FOR THE AMOUNT {$120.00} XXXX # XXXX FOR THE AMOUNT {$100.00} XXXX # XXXX FOR THE AMOUNT {$84.00} XXXX # XXXX FOR THE AMOUNT {$62.00} DEPT OF ED XXXX XXXX # XXXX FOR THE AMOUNT {$6300.00} XXXX XXXX XXXX XXXX XXXX # XXXX THE AMOUNT IS {$0.00} us dept of ed/XXXX/XXXX # XXXX for the amount {$3700.00} us dept of edXXXX # XXXX for the amount {$2200.00}

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 2018-11-14
Company: AFNI INC.
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:
On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to AFNI Inc. which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. AFNI Inc. has not provided any documentation period regarding my request or dispute. I am aware proper validation as well as proof of my liability is my right under the Fair Debt Collection Practice Act. No chain of command, application, or contract, containing my signature has been provided on behalf of AFNI Inc. AFNI Inc. is in violation of the fair debt  collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: Texas Guaranteed
State: MO
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
received document from the company ( trellis company ), stating that they had acquired a delinquent student loan debt from another company. I received this notice on XX/XX/19, however the letter was dated, XX/XX/19. With that, the letter states that they ( trellis ) acquired this debt from another company ( XXXX ) who was well aware of the fraudulent nature of this student loan, as I not only have never taken out a student loan, I have never been a student outside of receiving a free public high school education. Thus making it more than impossible for me to incur student loan debt. Trellis Company has threaten to tarnish my credit score, by reporting this erroneous baseless account, as well as garnish my wages. Ultimately, Trellis company is attempting to collect XXXX for a student loan, that i never received, did not consent to, and had no knowledge of. I have sent them the original police report associated with the original fraudulent account, as well as, a letter explaining my position.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Experian Information Solutions 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:
There are fraudulent and inaccurate accounts reporting on my credit report

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 2020-04-29
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2018 charges were made to XXXX Credit card. These were for reoccurring shipments that had been cancelled and not received. Vendor amended billing but failed to completely correct all charges made to the account. Ultimately, I paid charges which were in dispute just to close account so that not my PERFECT credit of 35+ years would not be affected. Account was subsequently closed. However, and despite reporting this multiple times to EXPERIAN, a " Delinquency '' is still showing on my credit report. This is now affecting my auto  insurance rates as my agent has given me a code reported to them as " XXXX # ACCTS BAD DEBT IN LAST 24 MOS OR DEROG PUB REC OR COLLECTION IS 1 OR MORE -- '' For 30 years I have never paid anything late and have paid back hundreds of thousands of dollars in credit card/mortgage/car notes. This ONE occurrence is now reflecting poorly on my entire credit history. This is outrageous. I have reported this multiple times to EXPERIAN. They do nothing to take this off the report. It is libelous. I am considering seeking legal counsel for the failure of these credit agencies in representing an accurate account of my credit history. Not only has this affected my credit score but it is also affecting my pursuit of auto insurance.

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 2020-04-29
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax is in violation of FCRA for failure to follow the procedures on the below accounts XXXX XXXX # XXXX inacurrate payment history- inaccurate payment status inaccurate date of last payment-no notice of dispute during or after investigation. 
XXXX # XXXX payment status inaccurate - no notice of dispute during or after investigation. 
Section 1681i ( c ) of the FCRA provides : Whenever a statement of a dispute is filed... 
the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer 's statement or a clear and accurate codification or summary thereof. 
15 U.S.C. 1681i provides the procedure by which a consumer reporting agency ( " CRA '' ) must abide whenever a consumer disputes an item contained in his or her credit file. 
Section 1681i ( a ) outlines the reinvestigation that the CRA must undertake after the consumer notifies the CRA of the dispute. 
Section 1681i ( b ), in turn, permits the consumer to file a " statement of dispute '' with the CRA in the event that the reinvestigation fails to resolve the dispute. 
Finally, Section 1681i ( c ) requires any consumer report produced subsequent to the filing of the statement of dispute to clearly note the dispute " and provide either the consumer 's statement or a clear and accurate codification or summary thereof. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: EQUIFAX, INC.
State: GA
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 requested my credit report and noticed inaccurate information reporting on my credit report. XXXX XXXX XXXX card service is reporting a acct that is past the statue of limitations of 7 years, Reporting multiple addresses for XXXX  XXXX and inaccurate dates I mailed a dispute letter asking to verify this information to XXXX XXXX card service act 104298. I received a return letter stating unclaimed/ unable to forward. I then noticed that XXXX XXXX is reporting a different address for their company to each credit bureau. You can only have1 address reporting to all bureaus.. 


I Mailed a dispute letter/ Asking how are the bureaus " Equifax XXXX XXXX XXXX and XXXX '' is verifying this inaccurate information. " The only letter I received back is verified ''. 
With no signature, No Dates of proof this acct belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: CURO Intermediate Holdings
State: KS
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:
HELLO MY NAME IS XXXX XXXX AND THIS IS MY SECOND ATTEMPT ON TRYING TO RESOLVE THIS MATTER WITH AD ASTRA RECOVERY SERVICES INC. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My bank account overdrafted from an autopay i had forgotten about over the weekend or XXXX. I called citizens and spoke with them for almost XXXX hours to find out exactly how much i had to pay and by when I'm order for my overdraft fees to be removed. Their representative told me to pay {$170.00} by XXXX XXXX and the XXXX overdraft fees that were posted to my account would be removed. A friend transferred me {$200.00} to cover it. When I checked my account the next day not only were my two fees not removed but another one was also added. I spoke with the bank two more times also for hours asking them to fix this for them to tell me that they just won't.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 I received a letter from NewRez mortgage company stating that they had purchased my account and payment was due XX/XX/2020. I had automatic payments made to my previous mortgage company XXXX Mortgage. I immediately sent an email to no avail. Then I was told they would get the payment from XXXX in fifteen days. However, to date they have not credited my account the {$1200.00} per month I paid and were deducting what should have gone to my principal from my account. 
I sent them a letter, as well as XXXX. They have threatened me with credit reporting ( until covid ). 
I do not feel I am required to pay a mortgage twice. It is their responsibility to collect all monies when they purchase the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed several time with XXXX XXXX  and experian that the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of XXXX are not my accounts and to remove them. I experienced identity theft and there has been several bank accounts opened in my name and this credit card and loan.

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 2018-11-14
Company: BARCLAYS BANK DELAWARE
State: GA
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:
On XX/XX/18 I purchased an XXXX computer ( {$13000.00} ) advertised as qualifying for 24mos. with 0 % interest. This was handled through Barclays bank. 

The computer was shipped to me on XX/XX/18. 

I had set up the Barclays account to autopay the minimum payment each month. 

Today, XX/XX/18, I received notice my payment was due and took the opportunity to look up the online statement to see when the promotional rate expired. 

To my surprise and dismay I found that the promotion was valid ONLY if the purchase was made within 30 days of opening the account, which it was. However, as XXXX didn't ship ( or bill ) the unit until XXXX, XXXX XXXX bank claims that it did not qualify for the promotion. 

When I contacted them to discuss this they refused to discuss this and took the position that it is their policy. 

In effect it was IMPOSSIBLE to take advantage of the promotional rate as XXXX was unable to deliver the computer within the 30 days as it was a brand new model. 

Receiving notice that this was going to exclude me from qualifying for the promotional rate would seem to be the honest and forthright way to handle this matter. 

When I spoke to Barclay 's their position was too bad, that is their policy. 

I feel this was a deceptive trade practice and would appreciate 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 monetary relief
Consumer complaint received 2021-10-18
Company: Fidelity National Financial, Inc
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
As part of a home loan refinance closing in early XXXX, the closing agency sent a payment amount of {$140000.00} to XXXX as a payoff for student loans. This payment included an overpayment of {$390.00} that was returned to the closing agency in XXXX. On XX/XX/XXXX, I reached out XXXX XXXX XXXX and Fidelity National Financial to clarify the payment amounts and confirm that the overpayment should be sent to me. On XX/XX/XXXX, I was told that this overage amount would be refunded to me " via XXXX tomorrow. '' On XX/XX/XXXX, I contacted XXXX XXXX  and Fidelity National Financial as these funds still hadn't been received and I was told that the funds had been sent and they were trying to locate a tracking number. No tracking information was ever given. On XX/XX/XXXX, I spoke with Fidelity National Financial and was told that the initial check would be cancelled and a new payment would be issued, and I was given a tracking number with an estimated delivery date of XXXX XXXX. On XX/XX/XXXX, the check hadn't arrived, and I contacted Fidelity National Financial to ask how they would like to proceed, but have yet to receive a response. As of XX/XX/XXXX, this still overage check still hasn't been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: Suburban Credit Corporation
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
SUBURBAN CREDIT CORP XXXX XXXX XXXX XXXX, VA XXXX, they are reporting inaccurate information. This bill was paid in full I faxed the information regarding the payment receipt twice. I have called and spoke with XXXX several times and they are still reporting false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I XXXX XXXX. XXXX have no other recourse but to file a complaint with the Consumer Financial Protection Bureau, because Barclays Bank refuses to protect my rights under the Fair and Accurate Credit Transactions Act. I was a victim of identity theft by my ex-wife during divorce proceedings, and Barclays Bank as well as their respective lawyers trying to collect this debt are aware of all of the facts. If Barclays Bank ever decided to take legal action on this indebtedness, they will find the case thrown out of court with prejudice. Accordingly, the only thing that Barclay Bank can do is damage my personal credit rating to partake in this fraud. I believe that any continuance on collections must cease and desist immediately, and that any reference to this account on each credit bureau should be deleted permanently. Identity theft has been proved and the attached documentation shows my position to be honest, along with a final divorce decree by the judge in said case docketed as XXXX, XXXX Division, Commonwealth of Massachusetts, Probate and Family Court Department. Barclays Bank continuing with a negative reporting of the XXXX XXXX credit card on all respective bureaus is a violation of their subscriber agreement whereas honesty and integrity must be maintained and consumers rights under the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act and the Fair Debt Collection Practices Act must be strictly adhered to. My complaint is solid and based upon a true definition of identity theft. My name must be cleared across the board on this matter. 

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 2020-06-23
Company: EQUIFAX, INC.
State: MO
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 disputed several accounts on my personal credit report with Equifax, XXXX, and XXXX  and yet XXXX, Equifax and XXXX  are falsely reporting incorrect information on my credit report. I have no real validation of any of the listed accounts below.There were no previous contracts with myself and the said creditors that are falsely reporting the incorrect information that's being accepted by XXXX, Equifax, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: Diversified Consultants, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had an account with XXXX. I had the account for a few years. At one point, a former friend of mine began working for XXXX and asked if he could join my account and we could both use his employee discount. I didn't really think that was a bad thing so I agreed. The employee then accessed my account without my knowledge or consent and added multiple lines fraudulently. I never noticed because I wasn't paying the bill. When I did notice extra lines on the account, I would ask him and he would always tell me they were his, for his tablet, or his work line, or something else. We would argue because I never allowed those lines to be opened, but the bill would always be paid and he always said they were temporary. Eventually, he was fired from XXXX and the bill went unpaid. I texted the other numbers on the line and a person confirmed that he opened her account on my line and she was paying him for the line. I cancelled all the lines and reported all the phones as stolen. The account was closed and the bill jumped to {$4000.00}. I filed a police report and filed a fraud claim with XXXX. The claim was denied solely because I knew the person who committed the fraud. I do not think this is fair. I can prove that I wasn't in a XXXX store to add those lines. I can prove my conversations with him where he continuously lied to me. I can prove what the other person on my line said about how he opened her account. I kept all of those conversations. I have a police report. I have time-records from my job that show I work in XXXX and no where near that store. There was never any authorized user on my account other than me. Crimes are crimes, regardless if you know the person or not. This bill was sent to collections and has now adversely affected my credit. With the derogatory mark, I am ineligible for federal student loans. I just applied to a XXXX XXXX that I can now not attend because I can't get loans. My credit is otherwise spotless.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-22
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: Account status incorrect

Complaint:
I have disputed the late payment status reported on the accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2019-06-25
Company: CITIBANK, N.A.
State: NJ
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:
CITICARDS CBNA claims that i have a delinquent account. I have not used the card since XXXX and the credit grantor closed the account on XX/XX/XXXX. For some reason that shows up as I am delinquent on the account 90 days after they closed it. I disputed this three months ago and it sounded like it is taken care of but it is now back on my file and negatively impacts my chances of getting a mortgage loan. 
I have never been delinquent with the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-12
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Enhanced Recovery company holds ownership of a debt I owed to XXXX XXXX XXXX originally. Yes the account became delinquent and has been for some time. I have however COMPLETELY PAID the balance to ERC MONTHS AGO. IN FULL. It has not been updated to the credit reporting agencys that this bill has been paid. 
I have also disputed this line on my credit reports with XXXX, XXXX, and XXXX. Yet only one of them removed the line. 

ERC reference number to this debt is XXXX. 

Bill was paid in XXXX XXXX. Im attaching the bank statement proving I paid the balance for the debt in full. 

Look for this line XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ERC XXXX FL

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation