BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-08
Company: Experian Information Solutions 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:
A company called XXXX XXXX XXXX has been added to my credit report for Experian, XXXX, and for XXXX. I just received the notification. This is fraudulent information. This company has not sent any notices at all. Probably because they know that it isn't my debt and is someone elses. These credit bureaus are required to verify and validate any and all information before it is reported to my credit report and they have not done so. I have extended fraud alerts on here and they have allowed fraudulent information to be reported to my credit report. There is no reason why fraudulent information should be showing up on any of my credit reports.

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 2019-09-08
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 I have contacted a agency called Credit Collection Services and XXXX XXXX XXXX advising them that I discovered a account that has been opened as a result of fraud. This agency failed to assist me with any concerns regarding the fraud and account that I requested to dispute.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On several attempts and request I have asked experian to investigate the negative account of XXXX XXXX. Each time experian claims they investigated the account. I have asked for their method which they ignore. XXXX has acknowledged they can not validate the account as my leagal responsibility to pay. Please help hold either XXXX or experian accountable by the law. It is required by law that a reasonable investigation be conducted once a consumer disputes. On a recorded conversation with a experian representative I was told several time all experian has to do is take the furnishes word. Which I know is false.

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 2018-05-14
Company: KEYCORP
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Last payment made on XX/XX/2018. 

KeyBank sent title to incorrect address, despite correct address on file for billing statements, and vehicle registration.

I have called KeyBank > 5 times, asking where my title is. KeyBank has promised that they are looking to find the title. On other calls, they have refused to send a new title to me, the owner. On my latest call XX/XX/2018, KeyBank stated they would send a new title to me, however I have still not received it. They have sent a lien release statement on multiple occasions, but still no title.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX XXXX XXXX is reporting to the credit bureaus that I have an outstanding balance on an old credit card account for {$530.00}. I am trying to clean up my credit, so I called XXXX XXXX, and tried to pay them. They told me that they no longer had my debt in their office. I have repeatedly asked them who does have the debt now, but they said they do not have that information. They are not giving me an avenue to resolve the debt, yet they continue to report it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Bank of America was the lender for the first mortgage and HELOC. The account numbers are as follows : 1st mortgage # XXXX XXXX XXXX HELOC account # XXXX XXXX XXXX I discovered an error in the amount of {$81000.00} which was not credited to my HELOC account # XXXX, as previously agreed upon. 
I sent two notice of error letters to the bank in XXXX and XX/XX/2019. The bank did not respond or investigate the matter. Eventually, the bank sent a letter and declined to do anything. Please read the attached letter for specifics.

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 2018-11-29
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have PNC Virtual Wallet account that include Three account together ( 1 ) Spending, ( 2 ) Reserve, ( 3 ) Growth whenever balance low on SPENDING account they withdraw from RESERVE first then GROWTH, On XX/XX/2018 XXXX XXXX I recieved text message says " On XX/XX/18, PNC transferred {$3.00} from your overdraft protecting account ending in XXXX to your checking account ending in XXXX. '' " On XX/XX/18 PNC transferred {$0.00} from your overdraft protecting account ending in XXXX to your checking account ending in XXXX. '' After i read this message I checked my account on my mobile and that time in SPENDING ( CHECKING ) Balance $ XXXX and RESERVE ( OVERDRAFT PROTECTION A/C ) Balance was {$190.00}. I immediate run to PNC ATM and Deposit CASH {$100.00} around XXXX XXXX  and it should cover my -XXXX-XXXX= $ -XXXX  and rest should cover from my RESERVE ( Balance {$190.00} ) at around XXXX XXXX  I checked balance again and that time PNC bank under " Temporarily Unavailable '' and today XXXX XXXX 'On XX/XX/18, your PNC checking account ending in XXXX was overdrawn. I was acted realtime and made CASH Deposit to ATM that cover my negative $ XXXX at around XXXX XXXX. so I actively acted immediately for my checking account balance bring positive balance. I made More deposit on XX/XX/18 around XXXX XXXX and all my account are positive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-10
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:
There are two XXXX XXXX XXXX XXXX accounts for which I was an authorized user on and not the primary accounts holder or the person responsible for these accounts that Equifax is reporting as I 'm the responsible party when in fact in the credit reports it states I 'm simply an authorized user ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
AFTER REVIEWING MY CREDIT REPORT I FOUND ACCOUNTS THAT DOES NOT BELONG. THIS IS MY 3RD TIME WRITING AND DISPUTING THESE INACCURATE ACCOUNTS THAT IS HINDERING ME FROM DOING BETTER IN LIFE ...

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 2019-09-08
Company: EQUIFAX, INC.
State: IL
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:
I have disputed incorrect information on my Equifax credit file numerous times and Equifax continues to verify incorrect accounts that shouldnt be on my report. XXXX   and XXXX has removed these incorrect accounts with no problem but Equifax is the only bureau that has been gobbling me a hard time correcting my own file. I need these accounts removed. I have attached the accounts thats needs to be removed to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: CARVANT FINANCIAL LLC
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Car vanant  Off credit report is wrong I dispute serve all times

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: Navient Solutions, LLC.
State: IA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
This is honestly so overwhelming I have about {$74000.00} in debt and I paid over {$500.00} a month for about 10 years and its over {$20000.00} more than originally XXXX I got shoot probably more than that every time I go into some kind of a forbearance or something because Ive been in and out of jobs when it goes back and repayment its always like oh you owe XXXX dollars your first payment is over 1000 and your payments are over 500 a month ill submit them on my paperwork and my income and then I think Im getting on a payment plan and Im getting forgiveness I paid over three other service companies money only to resend that because now then it gets involved again and then they just end up consolidating me and sending me paperwork I never signed for your eye think Im getting student loan forgiveness and I was in a consolidating my loans again with knobby aunt never what I want to do I keep thinking Im getting steam get forgiveness through the government but Im still with knobby aunts after like four times My loans go from XX/XX/XXXX to XX/XX/XXXX with consolidation dates all the way up to XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
We were alerted by Wells Fargo that there were fraudulent charges on our checking account amounting to several hundred dollars. When we called the number provided by Wells Fargo to confirm or deny the charges we were told by the representative on the phone that they could not provide any information about our account without a verbal password. We never asked to have a verbal password set up. They could not confirm if additional charges will be made and they could not close our account as we requested. They would not allow us to verify our information with another identifier. This happened on a Sunday ( today ) so branches are not open for us to address the problem in person. We also asked to close the account so no more fraudulent charges could be made and they did not allow us to do that. Wells Fargo is doing significant damage to us as a consumer. Action should be taken to address this so consumers are not hurt financially by this bizarre policy that they never asked us to set up. The person we talked to on the phone gave us a name of XXXX XXXX. He did not elevate the issue to management when we asked.

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 2018-06-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have initiated several disputes with the major credit bureaus to resolve a glaring inaccurate account that is dragging my credit score down. XXXX XXXX XXXX XXXX is reporting 1. 180 day late status since 2014, 2. reporting me 120 days late every month since 2014 3. Shows my monthly payment as what the balance is and 4. Shows my terms a " 1 month ''.

Attached is my credit report pulled by the mortgage company, at the bottom of page 8 of 21 is where you will find the XXXX XXXX XXXX XXXX.

It seems that the credit bureaus will not investigate or fix an account because they are receiving monthly premiums for reporting regardless of what impact it has on the consumer 's financial health.

I'm hoping this will help me fix this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have initiated several disputes with the major credit bureaus to resolve a glaring inaccurate account that is dragging my credit score down. XXXX XXXX XXXX XXXX is reporting 1. 180 day late status since 2014, 2. reporting me 120 days late every month since 2014 3. Shows my monthly payment as what the balance is and 4. Shows my terms a " 1 month ''.

Attached is my credit report pulled by the mortgage company, at the bottom of page 8 of 21 is where you will find the XXXX XXXX  XXXX XXXX.

It seems that the credit bureaus will not investigate or fix an account because they are receiving monthly premiums for reporting regardless of what impact it has on the consumer 's financial health.

I'm hoping this will help me fix 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 explanation
Consumer complaint received 2020-02-03
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Years Citibank said they couldn't find my account. Then I found several frauds. They were supposed to mail me a check 3 months ago. I went to XXXX XXXX branch to confirm address where check was sent and they can not confirm. Branch Mgr XXXX XXXX said she or XXXX XXXX would email me-I can not get through phones and no one is responding via email as they promised. Check should be mailed to same address as CFPB 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 2019-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Bank of America is holding my monthly SSDI benefit due to ( another party 's ) fraudulent activity of the account. This matter is based on a dispute with a former vendor who " ran up '' false charged to the amount of {$1900.00} In any event, the entire amount taken includes the proceeds of my monthly Social Security Disability benefit. 

I have informed the bank of this, but the bank persists in holding my SSDI payment and causing damages as a result.

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 2019-09-08
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive been a victim of identity tiff someone got hold of my information and used my cards I did contact the company and they told me they would take care of it, but still they want me to pay and now its on my credit report negative

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Unrecognized charge on my credit card. I disputed the charge but a month later it was back with a note indicating it was resolved. The note said to go to the communications center for further explanation, which I did but there was nothing there. 

Hours and hours ( literally ) of automated phone system XXXX finally gets me in touch with a person who tells me the same thing. When I ask them to go to the communications center for that further explanation, they can't find it either. So ... 

Transferred to another person who does the same thing, can't find the 'so-called ' communications except for telling me that I probably got an email with the resolution so it's now my fault ( e.g. no email ever received ). So I asked if they could resend it, which gets me transferred to another department and eventually hung-up on ... again.

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 2018-06-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/18 I discovered that all three credit bureaus, XXXX  , Experian and XXXX are continuously reporting a " revolving '' credit card from XXXX XXXX XXXX , with a balance o {$900.00} on my credit report in spite of my dispute filings and complaints of inaccuracy. I do not have and have never had a card from this company with this balance owing. This is a balance & card that I do not have. No verification provided by any source in over 30 days. 

It is an item that should be completely removed from 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 2019-09-08
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: Information belongs to someone else

Complaint:
On XX/XX/2019 at XXXX XXXX, I mailed off to " Experian '' ; FTC Report, Police Report, Credit Report & a letter stating the fraudulent accounts that was reporting on my credit report. " XXXX XXXX XXXX '' {$1800.00} account as of XX/XX/2019, is still reporting and has not been removed from 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 2019-09-08
Company: Navient Solutions, LLC.
State: IN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Collector has called multiple times threatening to call my manager at work and tell them that I am not paying my bills and to garnish my wages. 

Last call was XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/18 I discovered that all three credit bureaus, Equifax , XXXX  and XXXX are continuously reporting a " revolving '' credit card from XXXX XXXX XXXX , with a balance o {$900.00} on my credit report in spite of my dispute filings and complaints of inaccuracy. I do not have and have never had a card from this company with this balance owing. This is a balance & card that I do not have. No verification provided by any source in over 30 days.

It is an item that should be completely removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Mortgage initially started with XXXX and I was under FEMA forbearance. I signed modification papers have them notarized in overnight at them back. XXXX never recorded the documents and sold my mortgage to XXXX XXXX. I can't get them to understand that there are 3 credit reporting agencies. They have corrected my report on 1 and not the other 2. I reported them to the XXXX XXXX XXXX multiple occasions because they won't make the corrections nor will they respond to any emails. Total lack of common sense. This goes way neck to Irma and they still can't get it right. Them and XXXX. Totally shady companies to deal with. XXXX can't even file the proper paperwork. They never even recorded my modification

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 2018-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/18 I discovered that all three credit bureaus, XXXX , XXXX   and Transunion are continuously reporting a " revolving '' credit card from   XXXX XXXX XXXX , with a balance o {$900.00} on my credit report in spite of my dispute filings and complaints of inaccuracy. I do not have and have never had a card from this company with this balance owing. This is a balance & card that I do not have. No verification provided by any source in over 30 days. 

It is an item that should be completely removed from 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