BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-01
Company: Experian Information Solutions 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:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX {$1600.00}

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 2020-01-20
Company: ID Analytics, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I AM STARTING A NEW JOB HOWEVER I HAVE SOME ISSUES WITH MISS SPELLING OF MY NAME. MY NAME IS XXXX XXXX XXXX PLEASE DELETE ANY OTHER SPELLING OF MY NAME THEY ARE NOT ACCURATE. I HAVE SOME ADDRESSES ON MY CREDIT FILE THAT ARE NOT MINE. PLEASE DELETE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: Accounts Management, Inc
State: SD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
reference : XXXX The company AMI ( Account Management Inc ) did send me the validation of debt as I requested back in 2016. I went online at the hospitals website ( XXXX ) and paid off all the bills and amounts that they listed. This was a judgment, and since paying it on XX/XX/2016, the judgment remains as active with the clerk of courts even though the amount they sent was paid in full. I am closing on a house in 14 days, and this needs to be showing as satisfied asap. It was removed from my credit reports years ago, so I thought it was gone and had no idea until now that the title was ordered, that it was still showing active.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: Santander Consumer USA 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:
XXXX  retaliated againgst me for reporting them. Fraudulently stated I recently reported identity theft which I did not. Multiple disputes used the cover that I reported identity theft to avoid handling my legitimate disputes with XXXX XXXX, Santander and XXXX. XXXX  should be investigated today the lowered my credit score 68 points because of XXXX XXXX a company that failed to advised what happen to my return and what they are ruining my credit over. XXXX should be fined for manipulating my credit score showing as if XXXX XXXX is a recent legitimate debt. Without showing debt or proof of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: Credit Clearing House of America, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The original creditor is called XXXX XXXX XXXX XXXX XXXX. The collections agency called Credit Clearing House of America has reported account # XXXX with a balance of {$730.00} to the credit bureaus. My credit file shows that this account will be removed XX/XX/XXXX. This implies that the account was delinquent from the year XX/XX/XXXX. However, this information is inaccurate. The medical service was performed, and subsequently became delinquent, in XX/XX/XXXX, which means that this account should be removed from my credit file at the credit bureaus in XX/XX/XXXX. I contacted Credit Clearing House of America, and I spoke to one of the agents, whose name is XXXX XXXX, and I told her that not only did I not have the medical services done in XX/XX/XXXX, but also I was not living in the Kentucky-Indiana area in XX/XX/XXXX. She actually confirmed that the account/services were from XX/XX/XXXX. She told me to write a letter to her agency, so that the matter can be looked into. She also said for me to ask that the correct date of delinquency be updated on the account. She also said that she would forward that letter to another person in the office who can/will " take care of it, '' as she puts it. However, when I call Credit Clearing House of America,  the employees are unwilling to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: BB&T CORPORATION
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
I had fraud in the amount of {$1000.00} on my credit card and bank refuses to compensate me. Branch Banking & Trust Bank Case # 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 explanation
Consumer complaint received 2020-11-13
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: Was not notified of investigation status or results

Complaint:
I have disputed an account from my credit report that is still there and per the laws incorrect and inaccurate info would be grounds for removal and this has not happened. Not only has it not happened I have never received my investigation results. One of the times I even sent out the mail via certified so I know they received my letters. I never received my first set of responses so the second set I mailed certified. I'm asking my XXXX  XXXX XXXX account I'm disputing to be deleted for it's inaccuracy and for the lack of response. 

I sent out the first set XX/XX/20 2nd set- XX/XX/20 3rd set XX/XX/20

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 2019-03-30
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I wanted to place a credit freeze on my account so I created myEquifax account & also created accounts with XXXX and XXXX on XX/XX/2019. I was able to place security freeze online with XXXX and XXXX but not with Equifax. When I clicked on " Place or Manage a Freeze '' in myEquifax account, it said " We're sorry. We can't process your Equifax security freeze request online, because we need additional address or identification information. To help us process your request, please click here to see instructions and a link to required information. ". 

I gave them a call next day on XX/XX/2019, and they asked me verification questions like mortgage amount, old mortgage amount, monthly credit card payment which varies from month to month and then the person on the phone said they are not able to verify my information and I'll have to fax them. It's very inconvenient & frustrating to fax my personal information. I expect Equifax to be able to verify my identity through phone or online like other credit reporting agencies or other US financial companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-23
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Im looking at my Credit Reports and XXXX and Navient are asking for payment along with charging interest during this Pandemic

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a charge on my credit report for XXXX, XXXX, and XXXX. This debt of XXXX does not belong to me. During this time frame the account was opened someone broke into my mailbox. I have been a victim of identity theft. Please advise these companies to provide proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in this matter. Absent such proof, I and am requesting this debt be removed immediately. I am writing to request that XXXX, XXXX, and XXXX  to provided the following information : 1. Please provide evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please provide evidence your authorization to do business or operate in this state. 5. Please provide evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
. I am requested this debt be removed because this debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
THE XXXX XXXX ACCOUNT AND XXXX XXXX XXXX XXXX ACCOUNTS HAVE BEEN PAID IN FULL. PLEASE REMOVE THE ACCOUNTS OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: EQUIFAX, INC.
State: OH
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:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Berlin-Wheeler, Inc. (Kansas)
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
No debt validation. Original creditors have been paid.

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 2018-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Dear Sir, I have been member of Bank of America Individual Credit  Card since XX/XX/XXXX. I have called up Bank of America customer care and informed them to close my individual credit card at consumer request effective from XX/XX/XXXX. Bank of America closed my credit card on XX/XX/XXXX as requested by me. During my conversations with customer and written letters from  Bank of America, it has been mentioned that Bank of America may allow such as internet service provider, health clubs or insurance companies. when the card is closed, how does bank of America allow any transactions?. I have never ever used my individual Bank of America credit card for anything like internet service provider, health clubs or insurance companies. If someone use my closed credit card for any kind of transactions or bills ( service provider, health clubs or insurance companies ), this will be considered as Identification theft and will be communicated to FTC and Law Enforcement officers by filing the official complaint. Closed Credit card should not be allowed for any kind of transactions or bills, first of all I never used bank of America credit card for any kind of bills and only used for Balance transfer and committed Balance transfer amount, I have been paying monthly as agreed. I am not using this closed credit card and also not authorized for any kind of transactions. I am only using online credit card account to pay monthly payment till the complete balance is paid off. Monthly statements should be sent to me and allow me to pay the monthly payment for remaining balance. Since account is closed on XX/XX/XXXX, Any transactions in this account will be considered as identification theft and  unlawful. I also requested Bank of America to close the credit line and make to XXXX  so that there will not be any transactions in this account. Could you kindly direct Bank of America to close my credit line to XXXX  and not to allow any transactions ( since XX/XX/XXXX ) on my closed credit card, I am only allow to use online account to pay my monthly payment till it gets completely paid off. For any kind of transactions on closed credit card, Bank Of America is going to be legally accountable and responsible.

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 2018-06-21
Company: Cedars Business Services, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Via XXXX, I booked a room at XXXX XXXX in XXXX XXXX, CA for XX/XX/XXXX-XX/XX/XXXX.  On XX/XX/XXXX, I received an invoice from XXXX XXXX indicating that I owed {$130.00} for a damaged towel ( {$85.00} for towel and {$50.00} on cleaning fees. As a note, this motel is completely self check-in and self check-out. The bathrooms are communal and include towels and washcloths guests are allowed to use indiscriminately. ) I immediately responded by disputing the claim and asking for evidence. I never received a response from XXXX XXXX. 

On or around XX/XX/XXXX, I received a debt collection notice from Cedar Financial, indicating that I had a XXXX outstanding debt ( including late fees ). I immediately called Cedar Financial and explained the situation to them, once again disputing the charge. The representative ( XXXX XXXX ) indicated that he would follow up with XXXX XXXX for additional information and evidence, since no one answered the phone at the facility. As a note, I also contacted my credit card company to block any attempt at collection. The credit card company attempted to contact XXXX XXXX, also with no success. 

Thereafter, on XX/XX/XXXX, I also contacted the XXXX XXXX XXXX in the hopes they could intervene. The XXXX  ( representative XXXX ) attempted to contact XXXX XXXX up through XX/XX/XXXX, at which time I received an email indicating a lack of success in contacting XXXX XXXX. 

Today, XX/XX/XXXX, I received additional correspondence from Cedar Financial, which suggests that I still owe {$130.00}. I immediately called Cedar Financial and, since representative XXXX was busy, I spoke with another collections agent. I explained to him the combined efforts of the XXXX and myself to contact XXXX XXXX. I also advised him that I never received follow up correspondence from Cedar Financial as to my original request for evidence. He responded that they had forwarded me correspondence on XX/XX/XXXX, which refers to the first time I received a notice from them. When I asked about evidence, the response was somewhat vague, with the agent suggesting something about " terms and conditions. '' As to proof or evidence of damage, he also insinuated that XXXX XXXX would not have taken any photos. Each of these calsd are supposed to be recorded, as a note. The agent assured me that he would follow up with XXXX XXXX once more.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
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:
I have 3 accounts on my credit report that have been previously removed but they are showing on my report again. I would like to have these accounts deleted immediately. attached are the accounts in question. all of my personal info is also included

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 2021-06-23
Company: Comerica
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I requested to close my checking account on XX/XX/XXXX when it had a {$5.00} balance. I was informed that I couldn't close my account until my balance was at {$0.00}. This is ridiculous, as then I was charged a {$13.00} maintenance fee on XX/XX/XXXX bringing my balance to - {$8.00}. Comerica bank was unwilling to close my account when I requested, and now is holding me liable to the fees charged since my account is not at a {$0.00} balance. I requested the closure of the account before the fees. The requirement that the only way to close an account with a non zero balance is to visit a branch is predatory and ridiculous. If it can be done in person there is no reason it can't be done online or over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been a with CAPITAL ONE / SAKS F customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account ( XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payment from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2020, I mailed them a Request for Refund in the amount of {$11.00}. On XX/XX/2020, I used a FREE ATM Machine of theirs ( according to their website ) and obtain {$100.00}. Their website stated that this particular ATM was theirs and no fees would be charged. When I obtained the {$100.00}, the machine did not alert me of any additional fees charged if I received this money. On XX/XX/2020, the credit card company charged me a fee of {$10.00} and added interest fee of {$1.00}. As of today, XX/XX/2020, they have not responded to my complaint, but they have charged me an additional interest fee of {$1.00} ; bringing a total of {$12.00} in erroneous fees. 
I should not have to pay any fees or interest on ATM machines that are theirs.

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 2018-08-11
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:
My information has been breached with XXXX and my identity has been stolen. I have tried to file a dispute on XXXX website but was unsuccessful because it won't allow it and through mail with no responses. then I was getting spam email repeatedly with different confirmation numbers saying my dispute was completed when I wasn't able to file a dispute in the first place. Everytime I tried to check the results I would answer all the verification questions correctly but the screen would blank out after like someone was hacking and stealing my information on my credit. ( I attached all the fake emails I received from them ). I logged onto credit karma only to see inquiries that do not belong to me. I see them listed on Transunion as well. 

XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Could not purchase vehicle due to erroneous credit file freeze by one Third Party reporting XXXX via XXXX XXXX and Experian- XX/XX/2019. We, I, US have never had any personal contact with this service or organization and we purchased a vehicle just two weeks ago and this did NOT come up! XXXX credit report significantly lower causing major financial impact!

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