BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-13
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: Reporting company used your report improperly

Complaint:
car dealership run my credit 5 times after i spoke to the manager and he told me to pull up my credit scores. my credit was ranned 5 times with the following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Looking at my credit report after my identity has been compromised some time ago I've noticed many accounts inwhich I have absolutely any knowledge of, so big and some small but I'm still taking the same steps in removing and recovering them all. These reporting unverified items I'm disputing and asking for physical documentation for each. Documentation that will afford me physical evidence as stated in the FCRA literature. I want to know who, when, and where investigated these following accounts and I'm requesting an updated correct report. Items in dispute and requesting to block from report if not supported by physical and tangible documentation. 
1 ) XXXX XXXX XXXX {$55.00} 2 ) XXXX XXXX XXXX   {$530.00} 3 ) XXXX XXXX {$490.00} 4 ) XXXX XXXX {$370.00} 5 )  XXXX XXXX {$500.00} 6 ) XXXX XXXX XXXX {$3.00} 7 )  XXXX XXXX XXXX XXXX {$220.00} 8 ) XXXX XXXX XXXX {$200.00} 9 ) XXXX XXXX XXXX {$530.00} 10 ) XXXX XXXX XXXX XXXX {$370.00} 11 ) XXXX XXXX XXXX $ XXXX 12 ) XXXX XXXX {$200.00}, {$490.00} 13 ) XXXX XXXX XXXX  {$2.00} 14 ) XXXX XXXX {$510.00} 15 ) XXXX  {$0.00} 16 ) XXXX XXXX {$0.00} 17 ) XXXX XXXXXXXX {$0.00}

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 explanation
Consumer complaint received 2018-10-10
Company: AUTOMOTIVE CREDIT CORPORATION
State: MI
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 contacted Automotive Credit Corporation in regards to a credit inquiry I did not authorize. I was transferred to XXXX XXXX XXXX XXXX whom Collections representatives are extremely rude. They pulled my XXXX report on XX/XX/XXXX without my authorization. When I asked them why they said I signed a contract back in XX/XX/XXXX which authorized them to pull my credit report whenever they feel like it and the contract has no expiration date per XXXX whom was rude. My concern since I have no contract with XXXX XXXX XXXX XXXX they pulled my credit report fraudulently. I did not give them permission on XX/XX/XXXX to pull my report. Automotive Credit Corporation is also reporting to XXXX  incorrect information on a collection account. They are continuously reporting I have a XXXX balance and I have received documents that my current balance owed to them on court documents is XXXX. My employer certified a final statement on garnishment to them with the court ordered amounts. I tried to resolve the issue with them and I am getting no where. Their representatives are rude and do not seem to know what they are talking about. I would like the hard inquiry on my credit report investigated and removed. I will also like them to update my XXXX report with the current amount owed per my court documents or to settle for the said amount in my court documents which is 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 2020-06-01
Company: I.C. System, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2020 someone fraudulently opened a account in my name with XXXX XXXX. I was told its a cable bill. Im on XXXX and live with family so I wouldnt have opened a cable account myself. I contacted the collections company to attempt to have it removed IC systems on XX/XX/XXXX and again on XX/XX/XXXX. The collection company IC Systems states that this bill belongs to me and they are going to sue me to collect a debt in the amount of {$250.00} with XXXX XXXX. This is not my account. I never opened the account. It was fraudulently opened by someone other than myself and I would like it removed from the credit bureaus immediately.

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 2018-10-10
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/2017, XXXX XXXX reported a negative trade line on my credit report without sending any verification in regards to the CCLR report standard form 750 claims collection litigation report Sec.904.2 of the federal claims collection standard 31.CFR900-904 is a requirement relating to particulars in the amount of 32,576. According to title 15-1692B of the FDPCA dealing with communication with third parties, the only way a collection agency can communicate about any debt, 1 ) they must have a post judgement from a court of competent jurisdiction or 2 ) prior consent from the consumer giving express consent to a court of competent jurisdiction. This is in violation of New York general business law sec 349-Deceptive act, sec 380S-Identity theft and title 15U.S.C.Sec.1632-form of disclosure ( 2 ) creditor to provide contracts to the bureau. As defined under the title 18 U.S.C.Sec 1030-Access devise the reporting agency did not follows the laws under title 15 U.S.C.1681 S-2 ( a ) - duty of furnishers of information to provide the accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
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:
XXXX ; XXXX and Transunion are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue, however I have not been successful.

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 2018-10-10
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:
On XX/XX/18, I sent a dispute letter to EXPERIAN for reporting an inaccurate address on my credit report.. On XX/XX/XXXX, From the results of their investigation they said it was verified as accurate. I have documents of the inaccurate information and ALL my information under my social security number name and credit report should be accurate and correct.

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 2018-10-10
Company: FAIR COLLECTIONS & OUTSOURCING, 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 XXXX XXXX ORDER COPIES FROM ALL THREE MAJOR CREDIT BUREAU I NOTICED THESE REPORT WHERE SHOWING I BEEN PLACE FOR COLLECTION FROM A COMPANY NAME FAIR COLLECTION OUTSOURCING CALL THEM UP TELLING EMPLOYEE THERE BY PHONE THAT I DEFINITELY DISAGREE SO I FILE A DISPUTE WITH ALL CREDIT BUREAU TIME PASS I REMEMBER BEFORE MOVING OUT TO A NEW APARTMENT THEY REQUESTED I NEED TO GET A RESIDENT VERIFICATION LETTER FROM PREVIOUS LANDLORD THAT I DID GET FROM THEM DATED XX/XX/2015 WITHIN VERY GOOD STANDING MY RENT IS DUE XXXX OF EACH MONTH WITHOUT LATE FEE AND XXXX BALANCE NO EVICTION

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 2019-02-22
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I believe my information was stolen because of a breach from my mortgage company system, in which 2 individuals used the mortgage company had my social security, loan number, total amount of my escrow balance, and total balance of the loan.I was forced to pay XXXX using 3 debit cards to make the payment, because of a threat of foreclosure if my escrow balance was not paid within a certain date. The date was XX/XX/2018, which i made, and that my mortgage payment would be adjusted for 3 months for XXXX trial period.I reported this to the local authorities, in which they said not to respond to there phone calls. Reported this to my mortgage company and sent me paper work to fill out in which it requires a police or federal report number and or an affidavit. Since I have reported this fraud, my loan is being transferred to another mortgage company, probably to avoid bad publicity and they want to foreclose on property because of their bad security of their network. I feel I am being bullied and discriminated against..Since this happen, I have seen some comments on scams that other people have encountered with these same individuals using XXXX XXXX, XXXX XXXX and a few other Companies. These individuals must be stopped and made examples of ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
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: Account status incorrect

Complaint:
I have a mortgage with XXXX XXXX that has been open since 2003. The account is in my name, XXXX XXXX, and XXXX XXXX 's name. XXXX recently filed bankruptcy. The XXXX account was not included in his bankruptcy. I did not file bankruptcy and never have. XXXX XXXX has since started reporting to the credit bureaus that the account was closed and paid off. It was not closed and has not been paid off. XXXX has stated in numerous phone calls that I am still responsible for the monthly mortgage which I have still paid each month even though its not reporting on my credit. I was in the process of refinancing and now can not do that because they have showed this closed on my credit reports. I have tried disputing it with the credit bureaus and am not getting any resolution that way. I have had numerous phone calls with multiple people at XXXX and they will not resolve this. I have documents that they send each month for me to pay and proof that I have continued to pay each month. I just need XXXX to report to the credit agencies that this is still an open account for me, that it has a balance due, and that I have continued to pay it each month on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Best Buy advertised a 0 % financing period and Citi did not honor it. I was charged 30 % interest. I just paid off the account, because I have other financing. This is predatory behavior. I would have never made a charge on a 30 % APR.

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 2021-04-27
Company: DISCOVER BANK
State: GA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
I tried to login to my account several weeks ago and couldn't because my phone number had changed. I was instructed to call customer service, and when I did, I was verified by the Discover Bank representative, but was transferred to another employee who told me I needed to send a copy of my driver 's license and social security card. I informed this employee, ( XXXX ), that I had a driver 's license, but didn't have a social security card and haven't had one in many years. I'm a 100 % VA XXXX veteran and won't ever receive social security anyway! After trying to send a copy of my driver 's license on the Discover Bank website, it wouldn't go through. I was told I could mail a copy of it to the Discover Bank XXXX XXXX XXXX address. I then sent a copy of my driver 's license through XXXX and paid extra for overnight shipping. I had been in contact with XXXX at the Discover Bank executive offices about my situation and how I couldn't log into my account because of Discover Bank 's ridiculous verification procedures. She left a message for me that my driver 's license address didn't match my account address, even though it obviously did because I was receiving mail from Discover Bank! I sent a copy of one of these letters by email just to show the truth of this. My CD is maturing in a few days and I still can't provide instructions for the bank on this because my account has been frozen! I have tried all I can to take care of this through the bank but this bank has thoroughly shown me that I need to find intervention to assist me with this matter and to have all of my funds in this bank removed! I have accounts at other online banks and they haven't and never would put their customers through such turmoil, especially over a changed phone number!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
We received a REINSTATEMENT CALCULATION letter on XX/XX/XXXX. We sent payment on XX/XX/XXXXovernight via certified mail and return receipt. The return receipt indicates that payment over $ 17K was received on XX/XX/XXXX.

We have called XXXX three times on different days always leaving a voicemail to the account manager at ext. XXXX.

As of today, we have not received any confirmation from Bank of America, N.A., that the payment has been posted to Account Number XXXX.

We made the payment under duress before the foreclosure sale as indicated in the attached letter. We were never previously notified that that there was a " foreclosure sale ''. We do not understand.

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 2019-02-22
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
We are all exhausted as NFCU ( navy federal credit union ) technical issues making our funds unavailable for hours or online banking and mobile banking being inaccessible. Today XX/XX/2019 from XXXX to XXXX my account shows XXXX balance even tho I had a direct deposit made to that account today. I was concerned and confused. Come to find out on NFCU XXXX page I was not the only one and this is not the first time this is happening. We need better service and we need better communication from Our bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Notice an open account on my credit report, that doesn't belong to me. Contacted the company over the phone, Receivables Performance Management LLC, and they wouldn't tell me where the supposed money owed originated. Says I owe {$270.00}. Account opened XX/XX/2018 according to the report. My credit score has dropped due to this and this company keeps calling. How do I remedy this situation fairly?

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 2021-04-04
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
a debt collection company by the name of I.C. SYSTEM, INC has listed a negative collection account on my XXXX and XXXX  credit report, claiming that i owe a debt of {$58.00}. i am demanding this account be removed from my credit report seeing that this account does not belong to me. unless I.C. SYSTEM, INC can provide physical proof of an original contract or any documentation with my photo identification or signature on file. 
A billing ledger does not count as proof that this account belongs to me, please provide only physical evidence if not remove this a.s.a.p.

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 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
For years I been wondering why my credit has never been consistent. I never in a XXXX years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.

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 2019-02-22
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On XX/XX/19 my work received a letter from XXXX XXXX  to garnish my wages on my federal student loans for XXXX! This is the same company who over two years ago had my loans and did a qualification program where I paid them for 12 months then I would qualify to go to a lender who would consolidate my loans and base my payment on my income! After 9 months they sold me and had no info on me including who the new lender was! Now they are trying to do the same thing! I do not want to deal with them

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 2018-10-10
Company: SLM CORPORATION
State: NY
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:
On XX/XX/2018, XXXX XXXX XXXX reported a negative trade line on my credit report without sending any verification in regards to the CCLR report standard form 750 claims collection litigation report Sec.904.2 of the federal claims collection standard 31.CFR900-904 is a requirement relating to particulars in the amount of {$46000.00} and {$33000.00}. According to title 15-1692B of the FDPCA dealing with communication with third parties, the only way a collection agency can communicate about any debt, 1 ) they must have a post judgement from a court of competent jurisdiction or 2 ) prior consent from the consumer giving express consent to a court of competent jurisdiction. This is in violation of New York general business law sec 349-Deceptive act, sec 380S-Identity theft and title 15U.S.C.Sec.1632-form of disclosure ( 2 ) creditor to provide contracts to the bureau. As defined under the title 18 U.S.C.Sec 1030-Access devise the reporting agency did not follows the laws under title 15 U.S.C.1681 S-2 ( a ) - duty of furnishers of information to provide the accurate information Attachments area

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
the problem is with Kohl 's credit card online payment system. on the payment page, you input your payment amount, bank information and pay date, then click " submit ''. a screen then appears that says in big bold letters at the top " Online Payment Confirmation ''. Now, on every other site I use to make payments online, that is only found on pages that are confirming my payment but with Kohls, that is NOT the case. their page labeled as payment confirmation is usually labeled elsewhere as " confirm your payment '' or something to that effect. so, if you are not paying close attention, you think you have paid, then are surprised when your next bill appears with no payment and a late fee! not to mention the mark on your credit report - which is the worst aspect. I have complained to them and written them, but they have made no changes to their site.

I can't imagine how many people are being charged late fees because of this and having their credit history negatively affected. they should not be able to call this page " payment confirmation '' if it is not a payment confirmation!

Company response to consumer: Closed with explanation