BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 am a single mother who is trying to refinance a mortgage right now so that I may have a roof of my families head, but my mortgage is too expensive. If I refinance my housing payment will be much more affordable as I have been financially impacted due to covid-19. My mortgage broker recently contacted me stating that I would not be able to refinance my home ( {$1000.00} a month difference ) because of inaccurate information left on my credit report ( s ) by XXXX XXXX for child support. I am current on my payments, never have been late. Any late payments listed are inaccurate and should be deleted right away. I am complaint to the CFPB because I am being given the runaround by XXXX stating I should file a complaint with the bureaus, which is not correct. The bureaus are the ones who publish the information that is reported to them by data furnishers such as XXXX. I am requesting that XXXX, XXXX, and TransUnion investigate my file as I am disputing the attached items and XXXX should correct the reporting right away that it has sent to the bureaus before a lawsuit indeed is filed, which XXXX will be required to pay my legal fees for inaccurate credit reporting. I do not care if XXXX is a government agency, this is my 30 notice of intent to file a lawsuit. Alternatively, the negative information needs to be deleted before all parties including the bureaus are involved in a lawsuit pursuant to the FCRA. Kindly consider this my request to remove this inaccurate information I have never been late. This is causing me a lot of XXXX  and XXXX and I do not know why I must spend so many countless hours trying to fix the mistakes caused by all the parties listed on this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX pulled my credit report on XX/XX/XXXX through Experian. XXXX may have pulled this inquiry to the other credit reporting agencies as well. XXXX has fraudulently done this before back in XX/XX/XXXX and I spoke with the manager and he told me even though XXXX was included in my bankruptcy filing they are deem to pull my credit report when ever they choose to do so. My lawyer called XXXX lawyer and since XXXX was included in my bankruptcy, XXXX was demanded to delete the three credit inquiries and they did. I recently checked my credit report and XXXX did it again, they pulled my credit report on XX/XX/XXXX. They probable did the other credit reporting agencies as well. I am sending a copy of the bankruptcy file were XXXX is listed on page 11 and a copy of my credit report with Experian. Sacor address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas -- this is the lawyer address. XXXX 's physical address is XXXX XXXX XXXX, XXXX, CA XXXX. There number is XXXX their email address is XXXXXXXXXXXX. My account is XXXX. I as asking XXXX to remove any and all inquiries from all three credit reporting agencies and to quit bothering my accounts and me. I am done with them. They were included in the bankruptcy filing and if I can I want to sue them for character and credit damage.

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 2019-02-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I went to local branch and made a deposit for total of XXXX dollars in my business account money is nowhere to be found went to the branch spoke to a banker he called it in they are saying it will take 10 days to investigate the reciept is there it is banks fault Wells Fargo is not admitting they messed up either someone stole the money or this is how they do business I am being hit by bad business from my creditors because Wells Fargo goofed up

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 2020-07-04
Company: ALLY FINANCIAL INC.
State: NV
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:
XX/XX/2020 ally bank uses a fake consumer reporting agency called XXXX XXXX.  They have my credit score as XXXX. I have XXXX with XXXX  h XXXX  XXXX with XXXX  and XXXX with XXXX  this resulted in a much higher than should have been interest rate. Didn't even know this fake credit reporting was legal.

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 2018-03-26
Company: EOS Holdings, 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: Account status incorrect

Complaint:
I was looking at XXXX XXXX and I noticed this on my credit report but I did not know the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Apple bank branch on XXXX XXXX and XXXX XXXX has closed for the 3rd time In the past few months. 
They already are operating absurd short hours and now they are closing again using Covid-19 as an excue. 
These repeated closures and reduced hours are making it extremely difficult for myself and other elderly citizens who Bank their regularly during this pandemic. It's uncalled for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
i switched from using XXXX XXXX XXXX XXXX to XXXX XXXX on XX/XX/XXXX. i got a collection call from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX claiming that i owe XXXX XXXX XXXX {$1200.00}. i explained them why i only owe {$800.00} anc they settled the debt with me for that amount in 4 payment. i've paid it in full by XX/XX/XXXX. on XX/XX/XXXX ive got a call from sunrise credit services claiming that i owe them {$400.00}. i explained them that i setteled the account with gatestone and that i dont owe them anything.now theyre reporting the item on my credit report and even when i call them and offer to pay ( a debt that i dont owe! ) theyre not willing to remove it from my report and saying the damage is done no matter what we'll keep hurting your credit score.i dont know what else to do ive called them over 6 times offering to pay whatever balance they think theyre owed but theyre not willing to remove it from my report and are reporting debt that 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 2021-02-09
Company: Paypal Holdings, Inc
State: NY
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 or about XX/XX/21 I made an online purchase with XXXX XXXXAlthough the phones were drawn from my account with XXXX XXXX the transaction was approved Pay Pal with Pay Pal credit.The problem is I can not secure recovery of purchased items after going through XXXX  XXXX, XXXX or the US Post Service.I have already requested a refund, but Pay Pal has provided me with no assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-19
Company: Experian Information Solutions Inc.
State: NY
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:
The following unauthorized inquiries appear on my respective credit reports : Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2019-02-12
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I opened a checking account in XX/XX/XXXX with BMO HARRIS BANK. I signed an agreement that allowed me to access my account online through bmo harris 's portal. 

XX/XX/XXXX I tried to access my account using my id and password and was directed to another portal instead of my account. At that portal I was prompted to check two boxes signifying my agreements to new terms and conditions and I refused to check. When I refused to check I was not permitted access to my account online. My online account has been taken hostage until I agree to a new agreement. 

What happened to the agreement that allowed me access to my account since XX/XX/XXXX??? I contacted bmo harris and spoke to XXXX, and then to whom I was told was a manager named XXXX. Neither would allow me access to something that only twenty four hours prior I had had access to. And XXXX refused to give me any officers names in the harris organization that I could contact by calling or email, and would give no names to whom to address my complaint via snail mail. I feel like he was deliberately being unhelpful. 

Once the accounts are established through signed agreements and I am in receipt of agreed upon services, I in no way expect for those services to be interrupted until if and when I enter into another agreement. I think such behavior is bullying, intimidating, immoral, abusive, and possibly illegal. The bank has no right to XXXX XXXX, arbitrarily, change the original agreement because it suits their needs or desires, and if it does and I agreed to it then I don't have to agree to it again. 
After getting in touch with management I was told " If you feel that you can not agree to the online terms, then unfortunately we will not be able to grant online access to your accounts, however, you can still access your account information via telephone banking, branches and ATMs. '' I was also told by by the bank representatives that I had agreed to several changes in the past and that I checked agreement boxes in order to access my account. 
Those are lies, subsequent the initial agreement I have checked no other boxes to access my account, nor was I was allowed to access my account by telephone. My pin was not recognized, and when I called I was told that I had never set up a pin and had never accessed my account by telephone before, whereas I used to use the telephone service almost exclusively. This is not a dormant account, never has been and is used daily through a debit card. 
I feel I am being taken advantage of by a banking system that is possibly violating the law by such actions. 

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 2019-02-12
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is not a duplicate complaint. This company stated the following for case number XXXX-XXXX  dated XX/XX/2019. 

**The account has been marked as disputed and a deletion request will be sent to the credit reporting agencies to temporarily remove the tradeline from reporting during the Validation Period dispute. ** These amount are still on my credit reports and it has been 30 days. Below is my original complaint : This company continues to viciously attack me with no proof of any debt that supposedly stem back from XX/XX/XXXX- almost 7 years now for the amount of {$1300.00}. I have filed a police report and have retained an attorney against this Collection Agency- Commonwealth Financial , which have been sued over 77 times already AND LOST. This company needs to be shut down. According to the FCRPA, they are to prove such alleged debt with Validation NOT verification witch include an itemized break down of services that were supposedly rendered and not just a statement of random of amounts. I have never lived in XXXX XXXX, Nevada or have been there. The so-called dates of service are from XX/XX/XXXX-XX/XX/XXXX This company continues to ruin my credit standing and arbitrarily post and file reports on my credit reports. This company should not have access to my Social Security number in the first place. This company keeps accusing me of unpaid debt! I viewed a statement that was sent to me by Commonwealth Financial from a provider in XXXX XXXX Nevada, and this so-called original creditor is based out of XXXX XXXX Nevada! All previous allegations by this company have been removed ; nevertheless, they continue to erroneously post alleged debts! I need this resolved immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i became aware when I checked my credit report that these debt collector under the name, AD ASTRA Recovery Services Incorporated that I owed this debt is incorrect and I do not owe {$310.00}, I have sent a notice of state and federal validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I mailed two debt validation letters to XXXX XXXX XXXX, one to XXXXXXXX XXXX XXXX, XXXX, TX XXXX and the other to XXXX XXXX XXXXXXXX, XXXX  XXXX, MO XXXX. I will attach a .pdf of the exact validation letter, the document was received on XX/XX/XXXX at XXXX XXXX with no confirmation or acknowledgment having ever been mailed back to me since the company received my letter. I have already tried to correct this matter by filing a complaint with the Office of Civil Rights through The Department of Financial Services against the hospital and the debt collector, complaints number : XXXX & XXXX, and just recently, The XXXX XXXX XXXX on XX/XX/XXXX. They have no documents proving that the debt belongs to me, no itemized bill, and then there's the fact that the debt is also under XXXX XXXX XXXX, clearly, The Social Security Administration and The State of Florida couldn't possibly be mistaken in confirming that my name is, and has been for quite some time, XXXX " XXXX '' XXXX. XXXX has just recently posted a collection account to my credit report on XX/XX/XXXX for an unsubstantiated account on a patron with two insurance policies. How can they so boldly defy the constructs that govern their industry? It is impossible for me to have any outstanding debt from XX/XX/XXXX, my primary policy 's Family Deductible and the Annual Deductible was surpassed in XX/XX/XXXX due to expenses related to my XXXX. I have never seen a company so brazen as to kick an unemployed upstanding citizen while they're down and trying to care for their infant on a very constrained budget.

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 2019-02-12
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hi, This complaint is against Citi bank. I opened a checking account and qualified for the promotion bonus. I completed all activities as per the rules of the promotion and now Citi bank is making me wait 30 more days which is was not as per rules. I also received email from Citi confirming that I met all the requirements and promotion bonus of {$400.00} will be deposited in one month. This email was sent to me on XX/XX/XXXX and till today I have not received the bonus money. When I called customer support they are saying I have to wait for 30 more days. Please help resolving this issue.

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 2019-02-12
Company: EQUIFAX, INC.
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:
late XXXX, XXXX, equifax had removed XXXX information from my credit report. Upon checking my credit report 30 days later, equifax placed it back without anything in writing. i have called and have been told there is a system issue and they claimed they removed it again in XXXX XXXX i called again and wrote letters in XX/XX/XXXX and I have been given negative answers from the system is down to the information was verified with no method of verification in writing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-09
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 profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I mailed two debt validation letters to XXXX XXXX XXXX, one to XXXX. Box XXXX, XXXX, TX XXXX and the other to XXXX XXXX XXXXXXXX, XXXX XXXX, MO XXXX. I will attach a .pdf of the exact validation letter, the document was received on XX/XX/XXXX at XXXX XXXX with no confirmation or acknowledgment having ever been mailed back to me since the company received my letter. I have already tried to correct this matter by filing a complaint with the Office of Civil Rights through The Department of Financial Services against the hospital and the debt collector, complaints number : XXXX & XXXX, and just recently, The XXXX XXXX XXXX on XX/XX/XXXX. They have no documents proving that the debt belongs to me, no itemized bill, and then there's the fact that the debt is also under XXXX XXXX XXXX, clearly, The Social Security Administration and The State of Florida couldn't possibly be mistaken in confirming that my name is, and has been for quite some time, XXXX " XXXX '' XXXX. XXXX has just recently posted a collection account to my credit report on XX/XX/XXXX for an unsubstantiated account on a patron with two insurance policies. How can they so boldly defy the constructs that govern their industry? It is impossible for me to have any outstanding debt from XX/XX/XXXX, my primary policy 's Family Deductible and the Annual Deductible was surpassed in XX/XX/XXXX due to expenses related to my XXXX. I have never seen a company so brazen as to kick an unemployed upstanding citizen while they're down and trying to care for their infant on a very constrained budget.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have by given the run around concerning my loan and loan for over 25 years. I had two different loans with Sally Mae that were combined and taken over by Navient. On my last phone conversation with Navient, I was told that Mr .??? would call me back by Thursday, XX/XX/2019 to explain why I have two different payment books. One that is {$100.00}. more monthly. The problem occurred when people from two different  departments went back and forth giving me information on how to lower my monthly payments. Both Persons filled out paper work in an attempt to lower my payments. Navient says I have to go with the higher monthly payment because that was the last paper work that was filed. My {$260.00} ... monthly payment is due XX/XX/2019. Basically, I feel that I have been given wrong information throughout the 25 plus years and this has even caused me not to be eligible for their student loan forgiveness or public loan forgiveness program. I have been told that my loans don't qualify because they are federal loan. I'm not even sure when or how this all came about.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received a judgement against my previous landlord. After factoring the monies paid toward the deposit when i moved into the resident no money was owed. The management company sold the account to a collections agency for {$8500.00} when judge ordered no money was owed. I sent the judgement to the collection agency and they reported the money to the credit collection agent IQ Data, Collection company said they dont care about the judges ruling. I questioned how they even came up with the  figure reported and they refused to send me a detailed statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief