BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-29
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/XXXX i sent a certified mail to XXXX. Disputing the unverified acounts on my credit report. XXXX sent me a redit report XX/XX/2021. Showing that the account from XXXX. XXXX XXXX was removed and deleted from my report ; XX/XX/2021 on the report. The account was closed with an amount of {$8800.00}. And a last payment of {$100.00}. XX/XX/2021 XXXX report. The account closed on my XXXX via XXXX XXXX. XX/XX/XXXX, XXXX removed the late payments from the account. Then on XX/XX/2021. XXXX XXXX XXXX, XXXX  report the account open with a balance of {$10000.00}. Which is inaccurate i disputed with bureau and they informed me via phone call that it will be removed. XX/XX/2021. The account was closed with an amount of {$11000.00} with a last payment of XX/XX/2021. Which is inaccurate. The then, XX/XX/2021. The account was opened again with a balance of XXXX. In addition the very next day XX/XX/2021. The account was closed and removed from the report. They fail to verify the account and remove the inaccurate information. I been disputing this account since XXXX. XXXX refuses to solve this issue with the credior and is causing me Financial injury. This harmful inaccurate information is causing distress. XXXX  need to resolve this complaint immediately. Via section 609 of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: Associated Credit Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have repeated advised these people to stop calling me. They continue to keep me on the robo calls and continue to call me every day almost twice a day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Im making a complaint against XXXX XXXX XXXX XXXX For some reason this account ended up on my experian report Ive reached out to the company more than 3 times but the account the day belongs to me is not mine, I was homeless for the time they said I had the account. In 2018 I was completely homeless and jobless how did I get any service from this company. Around the same time me and my wife identity was comprised and I told the credit bureau experian this but this account is still hanging around. I am very concerned with the level of identity theft going on in our country right now let alone my state. I actually had my identity stolen before so I know for a fact that this must be the same thing. This account isnt mine and the creditor wont tell the credit bureau experian the truth, its not mine and needs to be removed

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 2019-03-12
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Choice recovery is on my credit report for medical debt that i have no idea where from. One balance is {$400.00} and one is {$570.00}. I can not pay either in full but can negotiate and pay XXXX  % of each one,  totaling {$530.00}, to settle both balances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have an account with PNC Bank. My purse was stolen and it had my debit card, license and other important mail, papers, bank documents which had my pin for my debit card was written on a piece of paper which was inside my purse. I noticed unauthorized charges on my account. I had reported my card stolen and disputed the unauthorized transactions that I did not make. I was given a provisional credit for some of them but not for 3 of them which remain on my account along with several fees related to these charges that I did not make. The unauthorized charges that have not been fixed are as follows : Date-XX/XX/2018- XXXX XXXX in the amount of {$100.00} Date-XX/XX/2018- XXXX XXXX in the amount of {$100.00} Date-XX/XX/2018- XXXX XXXX in the amount of {$50.00} There are also several fees that I have been charged as a result of these unauthorized transactions. 
I have spoke to pnc bank several times regarding this and the last person I spoke with assured me that they would get this resolved. Then I received a letter in the mail stating that they found no error in the dispute. So I called pnc back and they told me they were going to redispute these charges for me that I did not make. but they didn't do that and my account still has these charges on it along with several fees including overdraft fees related to these transactions. I would like my account to be fixed but they still have not fixed it by removing the unauthorized charges and all of the fees that I have and are still being charged for related to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
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:
AS A CONSUMER, I HAVE TRIED NUMEROUS TIMES TO HAVE THIS FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. I AM A VICTIM OF AN IDENTITY THEFT, I HAVE SENT ALL REQUIRED DOCUMENTS TO ALL THE BUREAUS AND TO XXXX  DIRECTLY. THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT, WITHOUT MY KNOWLEDGE. THE CHARGES ON THE CARD ARE NOT MINE, THE ACCOUNT IS NOT MINE. 
WHAT I DON'T UNDERSTAND IS WHY PROVIDE FAIR TRADE COMMISSION OFFICE, THIS SPECIFIC ORGANIZATION WHEN THE AGENTS AT THE BUREAUS DON'T APPROVE ANYTHING. 

THIS ACCOUNT 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 2018-03-30
Company: Advanced Collection Bureau, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently checked my credit report on XX/XX/XXXXand saw a collection account on my credit that I never had. The collection is from Advance Collection Bureau for  the amount of XXXX. I sent out a certified letter to the company requesting documents proving this was my account such as anything I have sign with them along with a copy of my social and driver license to prove to me that I have in fact had this account. The letter was mailed out via USPS CERTIFIED MAIL on XX/XX/ and it was received and signed for on XX/XX/XXXX In the letter I asked the company to provide me with the requested information within 30 days but they have yet to do so. I have attached all my supporting documents to this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Inquiry Date XX/XX/2020 ; XXXX Inquiry Date XX/XX/2020 ; XXXX XXXX Inquiry Date XX/XX/2020 ; XXXX XXXX Inquiry Date XX/XX/2020

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 2021-08-11
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 am a victim of identity theft & the person is completing applications in my name without my permission. I have included my identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian has allowed 6 inquiries on my credit report that I am disputing because they were not authorized. I did not receive calls from these companies even though I have a fraud alert on my credit profile. These inquiries are XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In addition to that the Bankruptcy Chapter XXXX filed XX/XX/XXXX was discharged XX/XX/XXXX. This is public information and Experian still shows an active collect account from XXXX XXXX which is discharged. And from XXXX XXXX XXXX XXXX. 

Experian shows my community credit union opened XX/XX/XXXX. My credit score at that time was XXXX and I wouldnt have been able to obtain such a loan for {$22000.00} this account is fraudulent but other than that I included it in my bankruptcy and it was discharged XX/XX/XXXX my attorney already mailed this to the creditor which confirmed they arent reporting debt owed since it was discharged they advised my attorney it should reflect {$0.00} owed yet Experian says they verified I owe discharged debt? Very strange how you can go against the bankruptcy court laws.

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 2019-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Fraud alert removal

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 2018-09-21
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: Public record information inaccurate

Complaint:
I went to try and get a car and was told there are bankruptcies on my credit. This information is not correct as I have never filed for Bankruptcy ever in my life. Please have bankruptcies removed from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Old loan was sold to Navient. Navient sent bill to old address, and I was never notified other than a letter to an old address. Credit Score dropped because they never called, only sent a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: Lexington Consumer Advocacy, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I called   XXXX   XXXX   XXXX   (   XXXX   ) back in  XXXX  2016 because I needed some money get my car fixed. I received the money and was paying the loan off but another problem can up and I did it again.
Every time I would get the loan paid off something else would go wrong. The problem is the interest rate seem to go up. After months of this I called to see why the interet was going up. I was told that is the the new rate.
I was listening the radio and hear about this company Lexington Consumer Advocacy that could help me with this problem. They would contact them and get them to stop the over charges.
They told me that they where the company to get them off my back. The person I spoke to was  XXXX  at (  XXXX  ext   XXXX   ext  XXXX  ). he sent me the paper work at I needed to sign to get things started ( all paper work included ). I was told that they some legal people on staff to help if I needed help. I would also receive information sent to me to keep me informed on how things where going. after four ( 4 ) months had gone by and I still had not got any paper work. I paid them {$140.00} on the first payment and for the next ( 6 ) moths the payments would be {$120.00}.
I have also filed a complaint with a company called consumer action two weeks ago have not heard from them either. (   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   CA  XXXX   XXXX  I still have not gotten any response from them. They call if they do n't get there payment on time. I am sending all the information on both companies. There are several pages.
  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 monetary relief
Consumer complaint received 2018-03-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: DC
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I attended XXXX  in the Fall of 2015. I had applied for financial aid on the first day the application was released and sent back my information on the first day it was available. Yet, I still did not receive Financial Aid until I came to Campus for move in day.

A week after XXXX break my aunt died. I had to leave to go home to MI to be with my family at that time. Because of those circumstances my financial aid situation was neglected when I came back to XXXX I was required to pay half of my balance to continue my studies. I did so. After that I received notification that there was a loan from Citizens Bank on my account. The issue? I never applied for a loan from them. It was being processed on my account even though I disputed this with the Office of Financial Aid. They instructed me to reach out to the bank itself, which I did and they verified that they had not sent me a loan for those funds. I wasnt in the headspace to dispute this. These funds never existed and prevented me from making a payment on my account At the time of the situation the loan had been processed on my account and I received no assistance from XXXX when trying to figure this out. When I looked today, the loan had been cancelled but it's existence on my account when it was never filed for is proof enough of this fraudulent loan.

During this time my mother became very ill and was involuntarily committed to a XXXX XXXX. I contacted the financial aid office to notify them of this and to ask for more assistance but was told that there were no more funds in the student needs based grant program. At this time I was receiving $ XXXX/ semester and was requesting more because my mother was, as stated before, XXXX and so she was not even aware of the situation. At this same time, students and staff were stealing {$1.00} million worth of needs based grant assistance from XXXX  and this is why they had no funds to assist me. In one semester a student received the university need based grant in excess of {$60000.00}. XXXX  had a student stealing money for the need based grant program that I qualified for and when I contacted the Financial Aid office, which was being run by these officials and students, they refused to assist me with any further grant funds and hung up the phone on me multiple times. The people who were stealing the grant money, refused to use the funds for their allocated purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Sequium Asset Solutions, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is violating my rights when it comes to the FCRA in N.C. It put a fraudulent collections account on all 3 of my credit reports I was told by a very nasty attitude rep from this company that they will not remove a fraudulent account even if its determined to be fraudulent when their company policy says that they will only remove fraud accounts reported or identity theft accounts theres a thousand responses on XXXX from the compliance officer saying they will delete those accounts but the rep I spoke with was very rude and condescending I was threatened that if didn't provide certain information to this rude woman that me wanting to speak with a manager or supervisor would not be granted and the she was just gon na hang up on me because she was tired of waiting on me I have the right to speak with a manager or supervisor when the rep is being unprofessional and I was denied that and hung up on I would like this company to remove this fraudulent account from my credit reports immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: Experian Information Solutions 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 sent letter after letter requesting that Experian Investigates a charge off account for XXXX XXXX XXXX and XXXX XXXX XXXX charge off account only response Experian is saying these items have been verified in return I ask them how are they verifying the account Experian hasn't been able to provide me any info on that. All of my letters stated that I was requesting this info and did not consent to e oscar verification.

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 2018-03-06
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: Investigation took more than 30 days

Complaint:
Equifax was contacted XX/XX/2018. It has been over 30 days and there has been no response. Notice was sent out via certified mail. Attachment was submitted in new complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Commonwealth financial is on my credit report in the amount of {$1000.00} for what looks like a medical debt but not sure where its coming from.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: EQUIFAX, INC.
State: VA
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:
NAME : XXXX XXXX XXXX DISPUTING ACCT : XXXX   XXXX XXXX ACCT NUMBER XXXX SSN : XXXX I sent a dispute letter to EQUIFAX on XX/XX/2018, disputing fraud credit card account on my credit report. I have also filed an identity theft report with the FTC and sent the copy to the EQUIFAX as well. 
After few months, EQUIFAX deleted that fraud account off of my credit report. But after few months later, they have re-posted that fraud account back on to my credit report. 
My understanding is that, the bureau must notify me by mail stating the reason why they are re-posting that account on my credit report before they do, they did not notify me at all. Also other credit bureaus ( XXXX, XXXX XXXX ) deleted that account off of my credit report and never put it back again, but EQUIFAX is continuing to report this fraudulent account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Experian Information Solutions Inc.
State: DE
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:
From XXXX i open account a XXXX XXXX card with XXXX, i never had any problems and always pay my bill by auto pay. i previously reported this problem and XXXX responded XX/XX/XXXX. The letter they sent proof they really are XXXX and do not know what they are doing to customers. 

I was not getting any statements from them and my card was on auto pay, i notice high amounts coming out of my checking account and even bouncing checks in my account, i called them and they told me a added XXXX XXXX to the account and and i also changed my address which i certainly did not. problem they are still reporting this fraudulent address to the credit agencies. 

They sent me a letter that all of the fraudulent charges were made from his fraudulent card, and they removed him from my account on XX/XX/XXXX, how ever he was still making charges thereafter, all the charges they have on my credit account was made after that date. They certainly need to credit back all the fraudulent unauthorized charges and credit back my account. Here are some of the charges XX/XX/XXXX XXXX XXXX {$7400.00} XX/XX/XXXX XXXX & I deli {$50.00} XX/XX/XXXX IL XXXX {$1200.00} XX/XX/XXXX store {$150.00} XX/XX/XXXX Il XXXX {$480.00} XX/XX/XXXX XXXX {$2600.00} XX/XX/XXXX XXXX XXXX {$3100.00} XX/XX/XXXX XXXX {$1600.00} XX/XX/XXXX an auto {$3000.00} just to list a few of these fraudulent charges

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