BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-03
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
BELOW is a recently ( 3 days ago ) added Negative collection on my report ( Experian and XXXX bureaus as of today ). A few weeks prior, I had filed disputes with all 3 major bureaus on different collections, including the one BELOW which is originally from a reported XXXX XXXX debt, under a DIFFERENT NAMED Collection Agency. IT WAS REMOVED UNDER THE DISPUTE PROCESS. However, within days of it being removed, ANOTHER COLLECTION AGENCY is apparently able to get it put back on my credit report with a few variations in amount, etc. The 3 major credit reporting agencies are not checking into these collection companies, it is all my ( and others ) burden. BELOW has already been removed through the dispute process, yet reported again under a different collection company. HAVE IT REMOVED PLEASE AND DO NOT ALLOW OTHER COLLECTION AGENCIES TO PUT SAME COLLECTIONS WHICH HAVE ALREADY BEEN DISPUTED AND REMOVED, ON REPORT UNDER DIFFERENT COLLECTIONS AGENCIES BECAUSE OF SOME VARIATIONS. THE BELOW COLLECTION AGENCY SHOULD BE FINED FOR BUYING AN ALREADY REMOVED AND UNVERIFIABLE ACCOUNT. APPARENTLY, IS EASY FOR THEM TO GET AN ACCOUNT BACK ON MY CREDIT REPORT. CREDIT REPORTING AGENCIES NEED TO BE MORE DILIGENT IN CHECKING THESE OUT. 
XXXX XXXX HAS ACHIEVED THAT : XXXX XXXX Last reported XX/XX/XXXX {$1000.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( 4 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Also you can not get incontact with XXXX through website or telephone. I have tried for weeks now. Website not functioning, waiting on phone for hours to no avail. I understand the " coronavirus issues '', but if collection companies can get unverified collections on my report, then the customer needs to be able to dispute and/or get in touch with the reporting bureaus who need to be able to sort through and give customer service. The are not held to any standard in my 60 years of experience with credit and bureaus. The bureaus want to charge you for monitoring services, therefore, they don't seem to care much about having the report accurate. Please make these bureaus do their due diligence in protecting the consumer. IT is impossible otherwise to clean up wrongly reported credit collections because it is forever ongoing, intentionally. Thankyou.

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 2019-05-22
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Re : Home Depot Account ( Citi Bank ) I have an XX/XX/2019 statement with a balance of {$94.00}, minimum payment due is {$25.00} by XX/XX/2019. 

I made my payment ( in full, {$94.00} ) on XX/XX/2019 and the payment was processed on XX/XX/2019 by my XXXX XXXX checking account. I have bank proof that the payment was processed, yet Home Depot ( Citi Bank ) still shows that I have not made my payment. 

Please contact them as I am not going to receive a late payment from this absolute corrupt credit card organization. 

Please ensure that this payment is posted on the correct date and my account does not show as late. 

Thank you. 

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 2019-09-21
Company: EQUIFAX, INC.
State: MI
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 or around XX/XX/2019 I received an alert that a negative trade line from XXXX XXXX XXXX was reporting to my credit reports. I closed all my XXXX accounts back in XX/XX/2019. This purported debt is from transactions after my account had been closed that were not authorized by myself. Moreover, I never was opted into ANY overdraft protection with XXXX. Further, under TILA, the Michigan Collection Practices Act, Michigan Occupational Code, and the Truth in Lending Act, XXXX has not provided me with any statements, disclosures or the like regarding this alleged debt. This alleged, fraudulent and incorrect account has caused my scores to drop over 100 points, and is preventing me from closing on a loan. 

Lastly, I have filed a police report with the XXXX XXXX Police Department, and Equifax and XXXX have refused to block this information as required under law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: PNC Bank N.A.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PNC doesn't allow me to link my account with XXXX. I am currently using XXXX as my savings and investment account, and have my other Bank linked to it and would like to link PNC. This is not an option and I honestly am considering changing banks, because of it. It is my money, my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/XXXX To whom it may concern : I would like to file a complaint against collection agencies, XXXX XXXX XXXX XXXX XXXX as well as, Crown Asset Management , LLC. 

Neither of these two collection agencies had contacted me first, to verify the debt that they have placed onto my credit files, slandering my credit. 

XXXX XXXX XXXX XXXX XXXX claims that they received a debt to collect on from Crown Asset Management , LLC, Crown Asset Management was supposed to have acquired this debt from XXXX XXXX XXXX XXXX XXXX. 

These collectors are placing false fraudulent status information onto my credit files, making it seem as though I had some debt that they are collecting on from the year XXXX, and that information is not true. 

As stated, neither of these collection agencies had previously contacted me to verify the debt that they are trying to charge me for. 

I dont owe what Im being charged, and I want this false derogatory information removed from my credit files, as well as from the collection agencies files. 
And I would like hard copy proof on their letterheads that, that has been done. 

On XX/XX/XXXX, I requested that both XXXX XXXX XXXX XXXX XXXX, as well as Crown Asset Management , LLC, cease and desist from ever contacting me again about these false charges. 

I have health issues, and have not been doing my best, and I feel that I am being tormented, and harassed, especially by XXXX XXXX XXXX XXXX XXXX, I have asked that they cease and desist from contacting me. 
I asked that they remove the false information from my credit files, and I wanted hard copy proof when that had been done. 

In the mail today, Tuesday, XX/XX/XXXX, I received the attached cover page, along with a pile of doctored up statements from XXXX XXXX XXXX XXXX XXXX, with them lying, and claiming that I had requested that they send me verification of the false debt, that they originally didnt notify me about, prior to slandering my credit files. 

I never asked that they send me any such verification, I disputed the debt, and again, I am requesting that both, Crown Asset Management, and XXXX XXXX XXXX XXXX XXXX remove the false information from my credit files, and I want them to stop writing, and calling me as well. 

As previously requested, I want them to cease and desist from ever contacting me again. 
Crown Asset Management LLC, and XXXX XXXX XXXX XXXX, any communication, written or otherwise, they can contact the Consumer Financial Protection Bureau, and the Consumer Financial Protection Bureau, can contact me, no exceptions. 
I want the Consumer Financial Protection Bureau fully involved in my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I received too many calls without written statements. 
They still reported to Credit Reporting atgency and damaged my credit. 
I went ahead and paid including finance charge and requested to remove from my credit file No action. 
I have proofs of payments

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-14
Company: EQUIFAX, INC.
State: GA
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 been disputing an ongoing issue with Equifax, XXXX, and XXXX that has been going on for well over a year. Equifax, XXXX, and XXXX are reporting a bankruptcy on my credit report that is clearly unverified. I have disputed the egregious information as well as sent documentation supporting my claim as to why the information should be deleted from my credit report. I have also filed previous Consumer Financial Protection Bureau reports and Equifax, XXXX, and XXXX continue to report the information as accurate and verified. At this point, it is evident that either a proper investigation is not being performed or they are being willfully negligent. Equifax, XXXX, and XXXX are in violation of F.C.R.A. 611 ( 15 U.S.C. 1681l ) and I am requesting that the information referenced in this complaint be deleted immediately from my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: Suburban Credit Corporation
State: DC
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:
Dear Sir/Madam Suburban Credit has not updated my account with XXXX or XXXX. It shows I still owe {$75.00}. Im a XXXX XXXX XXXX. I paid the agreed amount in FULL, in exchange for deletion of debt I owed. I paid this amount at great cost because I bought fewer groceries for many weeks to pay the full amount. Under the law they must update my account and report accurately! Ive tried to contact them but I have the reference number of the payment which I made to Suburban Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On XX/XX/2019 I, XXXX XXXX XXXX, contacted Transunion Agency in reference to several inquiries and items that were placed on my credit report due to fraud. I explained this information to the representative named XXXX and she stated that she was unable to assist me in this matter. 

The following inquiries were not authorized by me and should not be on my credit report : XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do ask that they remove this incorrect information Thank you, 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 2019-09-21
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
this complaint is regarding the clothing chain XXXX XXXX XXXX XXXX, and their credit card issued by Comenity Bank. 

I had an account with them for over five years. I set up my account to receive paper statements. For an unknown reason, I stopped receiving paper statements. I use the credit card, never received a paper statement, never received an email statement ( a  search of my email was done while I was online with the company 's customer service agent to verify no email has been sent while other promotional emails were being received ). I reviewed no indication of a payment being due. 

Furthermore I was never notified in writing of any form that the underwriter had changed and that the company was being financially managed to differently, and nothing to account for the change in the status of how I wished to receive my statements. I received an estatement on XX/XX/XXXX ( attached ). I started receiving urgent email notifications on XX/XX/2019 ( attached ) about the bill being passed due. 

I was charged interest, and late fees, and received no recourse from the company other than to pay the bill in full. On XX/XX/2019 I paid the bill {$87.00} ( which would not be pulled until XX/XX/XXXX, attached ), filed a complaint with the company and canceled my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: PNC Bank N.A.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
i am setting up a payment system with XXXX and PNC and when i log into the account it says cfpb is not allowing me to continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-04
Company: Experian Information Solutions Inc.
State: CT
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: Was not notified of investigation status or results

Complaint:
I submitted a dispute to the bureaus on XX/XX/2021 in regard to inaccurate information but the bureaus have yet to respond to my dispute or send me any documentation that they have verified the accounts or the derogatory information ; it has been almost 60 days and the bureaus are only supposed to have 45 days at maximum to do this! This is beyond frustrating for someone that is trying to get things straightened out and taken care of where this derogatory/false information could hinder and impact my livelihood!

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 2017-11-24
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Credit Collection Service received a 93A Demand Notice from me XXXX for their illegal reporting to the bureaus and with request for validation of debt and a notice to keep all correspondence in writing only. They failed to respond. They continued calling me multiple times per week. 
I sent a second 93A from me XXXX with a second request for validation, notice of further federal and state ( FDCPA and FCRA ) violations and notice to keep all correspondence in writing only. They failed to respond. They continued calling. 
I sent a third 93A Demand Notice XXXX with third request for validation, notice of even more federal and state violations and notice to keep all correspondence in writing only. They failed to respond. They continued to call. 
XX/XX/XXXX I called and spoke with XXXX XXXX, the department manager, she stated they received all correspondence and did not bother to respond. I asked to be placed on their do not call list and request a formal cease and desist. She agreed. 
XX/XX/XXXX ( holiday weekend ) I received another phone call in attempt to collect. I called them to request no more phone calls. I was placed on hold for half an hour and gave up.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: The CBE Group, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CBE Group XXXX XXXX XXXX XXXX, IA XXXX I had no knowledge of this debt. I have not, ever received notice or been contacted to pay this debt. 
I found it on my credit report ( XXXX ). 
I have attempted to rebuild my credit and they flagged my report. ( XX/XX/XXXX ) I found they had reported it again, as a separate debt. ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 is appearing on my credit file. I am in TN which requires collection agencies to have a license to collect. XXXX XXXX as reported on my credit file does not.

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