BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I checked my credit report and noticed that XXXX was reporting negatively with a balance past due of {$190.00}. However, this is incorrect. I closed my account in good standing in XX/XX/2018 and the balance was {$0.00}. There should have been no charges after that point. I have never received anything the mail from them about a debt owed. They didnt give me a chance to pay a balance, if there was one owed.

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 2018-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I had applied for a loan from XXXX and already paid the amount through the customer service. Now i see a negative credit remark on my credit score from this collection Agency called " XXXX XXXX XXXX '' and an amount due which has already been paid long time ago. I had been harassed with calls. I tried to dispute before and i did it but the calls and the bad remark on my credit has not been removed yet. The amount was paid and i also tried to apply for a new loan from XXXX but was denied. Then the collection calls from XXXX started

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 2019-03-19
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been paying and paying and paying for years to this XXXX loan servicer and all my balance does is increase! 
NAVIENT LOANS. 
I pay {$200.00} monthly and less then {$40.00} goes to my principal. The rest ( {$160.00} ish ) goes to interest. But unbelievably, that isnt enough interest to cover the monthly interest charge and I currently owe more then my original principal! 
XXXX! 
I have called more then once about this only to receive the run around. I have asked to send extra money monthly to just go to my principal, but they say it is not allowed and will just be part of my next payment. 
I need help with this! Im debating speaking with an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
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: Information belongs to someone else

Complaint:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-12
Company: Atlanticus Services Corporation
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I had taken out credit for future services for company " XXXX XXXX XXXX ''. The company then declared bankruptcy and went under and did not give me the services that I had paid for and was continuing to pay on. The dept was sold to company " XXXX/ATLANTICUS '' and they are currently attempting to recover the money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have more then one law firm contacting me for the same credit card, i have ended by paying two law  firms for the same card i have cleared check numbers from bank statements for XXXX XXXX XXXX XXXX ( payments of XXXX ) along with signed documentation for payments with cleared debits from my bank account with a letter that states the debt was paid in full to the XXXX XXXX XXXX XXXX XXXX  for the law firm of XXXX XXXX XXXX ( payments of {$130.00} twice a month ) All three law firms have the same information about this account. Account number XXXX & the creditor being barclayXXXX XXXX ( XXXX ) The third law firm XXXX XXXX has taken me to court three times first court day of XX/XX/2020. Which was the date of my finally payment to XXXX XXXX for the agreed amount of {$440.00}, the paid in full letter has case number & account number. 
All three Law Firms were & still are belittling, aggressive & demanding to a point of not knowing what to do ... ..The only reasoning i have for paying two Firms at the same time for the same card and the reason i will not pay the third! 
My personal information XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX il XXXX XXXX law firms in the fight of charged off debt 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 explanation
Consumer complaint received 2017-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On Sunday, XX/XX/XXXX, I attempted to use my Bank of America debit card at a local restaurant. The merchant informed me that my card was declined. In disbelief, because I knew what my account balance was, I called the banks customer service. After being on hold for over 30 mins, no satisfactory solution was provided. I was told that my card is marked as " expired '' in their system, despite my card being valid in accordance with the expiration date on the physical card. The representative acknowledged in the recorded phone call that they do n't know what the problem is. All they could tell me at this point was to wait for a replacement card in the mail, which could take over a week. I was very disappointed and upset and there was no manager available to fix my issue. I requested for a manager to call me as soon as possible. Apparently Bank of America does n't value their customers enough to even call them back when they are suffering from a circumstance that is a fault of the bank and not the consumer. No recompense has been provided so far. I made a fool of myself with the local restaurant. I would like for Bank of America to provide recompense for my troubles and embarrassment.

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 2018-04-12
Company: WELLS FARGO & COMPANY
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:
On XX/XX/XXXX I pulled my credit report for my self and my wife and noticed that incorrect information was being reported for the month of XX/XX/XXXX and no information was being reported for the month of XXXX. I faxed over a request to have this information investigated and was contacted by a XXXX in the customer care and recovery group. Who advised me that he would be handling the problem and had opened a ticket # XXXX. On XX/XX/XXXX I reached out to XXXX XXXX to get a status on the incorrect information being report on my report and my wife 's report. I also advised him that this inaccurate information being reported is impacting our family. I explained to him that I had pulled all three of our reports and the XXXX information was reporting incorrect and XXXX was reporting no information at all. I emailed him a copy of the report for him to pass on to the department that was conducting the investigation. On XX/XX/XXXX. I contacted my XXXX and spoke with him. I was advised that his team had finished the investigation and they had determined that they are reporting the correct information to all three reporting agency. I explained him that I was looking at my most current report live and the information had not changed. I asked what method was used to validate and verify the information with all three agency. I was advised that they did not contact the credit reporting or send a refresh/update they just used an internal process. They just looked at a screen internal and verified that I what they had in there system was correct. I asked to be speak with a supervisor and or manager and was told that it was not necessary. I was finally transferred to a XXXX XXXX XXXX  in the customer care recovery group who told me that it's not Wells Fargo 's responsibility to ensure accurete information is being reported to the credit report agency and that he was closing the ticket and did not care that I would filing a complaint with the CFPB and my local State Attorney Generals office. I asked to please speak with his direct manager to try and resolve this problem before I moved forward with my actions and I was told that he " did not care '' and " I am denying you from speaking to my direct report, I don't see the need '' I have customer since XXXX and I have never been spoken in such a unprofessional manner by these two individuals.

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 2020-05-21
Company: Bread Financial Holdings, Inc.
State: MA
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:
CB/VICSCRT is in my credit report and shows that I have late payments in my history, which I am disappointed because I know that I pay my dues on time. The dates that they said I am late are XXXX, XXXX, XXXX, XXXX, XX/XX/2019 this might be that billing did not get to me on time or I did not recieved it at all. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Regarding Equifax hack, it is impossible to request updated credit reports and security freezes due to high volumes ... despite repeated attempts. Why am I wasting my time trying to rectify their mistake? We did nothing wrong here. My expectation is that Equifax will : Provide monitoring until the end of my life AND will coordinate with XXXX and XXXX to do the same. Equifax will bear all costs associated with protecting all of those affected by the data breach. 

Seems like a simple ask for Congress and the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On or about XXXX, CACH LLC by and through their attorneys XXXX XXXX XXXX XXXX XXXX, served or caused to be served on this honorable consumer and his employer a writ of garnishment in connection to a judgment CACH LLC obtained in the XXXX A district court of XXXX on or about XX/XX/2012. 

CACH LLC was without an assignment of the alleged debt in the trial court action. That deficiency was overlooked by the trial court judge. 

CACH LLC is not now, nor have they ever been licensed to collect debts in the state of XXXX. 

This consumer has ordered verification of CACH LLCs unlicensed status with the state of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Square Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I used Cash App for 18 months. Three of the payments ( {$200.00} XXXX XXXX XXXX XXXX, {$50.00} XXXX XXXX XXXX XXXX, and {$3500.00} XXXX XXXX ). expired .. The money was deducted from my checking account. I have called Cash App to request a refund. My calls were met with rudeness. They have hung up on me, my CA history and my account were deleted. Letters from myself and my attorney remain unanswered, I wrote ( U.S.Mail ) to CFPB XX/XX/2002. Early XXXX I received a VM stating that I should call Cash A, reference my refund. A callback number was not left. The number per voicemail ( XXXX ) in addition to the number on the internet number ( XXXX ), " could not be completed as dialed. '' On two occasions, I reached someone who instructed me to purchase XXXX XXXX as " a test. '' Based on my history with cash App. I did not trust this process. Most recently, I received an email stating, my account received a {$65.00} credit, and " the matter was considered closed. '' it should be noted, I have continued to used Cash App during this period. help put me in touch with someone professional. Attention must be brought to the matter of my {$280.00} refund. I have documentation, unable to upload.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: EQUIFAX, 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:
In XX/XX/2020, I was notified by XXXX  XXXX & XXXX  that a hard inquiry was placed on my credit report to open a new line of credit with XXXX XXXX in Michigan - a state I have never even visited or resided. This inquiry was flagged as potentially fraudulent & I was immediately notified. I responded to the messages, confirmed my identity to XXXX  and XXXX XXXX, fraud alerts were placed on all 3 credit reports, and XXXX XXXX denied the application as fraud. XXXX  immediately removed this hard pull from my account, but XXXX XXXX failed to remove the fraudulent hard pull from XXXX  & Equifax. Since these are hard pulls, they negatively impact my credit score. In XX/XX/2020, the CFPB assisted me in getting XXXX XXXX to correctly fix this fraud error on my credit reports ( see attached letter dated XX/XX/2020 ), but to date, Equifax has not corrected this hard credit pull.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. They are not coorporating and states that they are willing to take a settlement. I don't know what else to do so i am finally coming to you guys for some guidance please. I BELIEVE THERE ARE MULTIPLE ACCOUNTS PLACED WITH THIS COMPANY AND THEY ARE COOPORATING.

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 2019-03-19
Company: Grant & Weber
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Grant & Weber inc Keeps trying to collect a debt from XXXX XXXX. I dont have any debt with this facility. Upon trying to reach out I determined the establishment is closed. The third party is attempting to collect a fraudulent debt.

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 2018-04-12
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 filed numerous disputes with the credit reporting company and accounts that were opened in my name, are still listed each time I call and speak to a representative I am informed that the process will take an additional 30 days and there is never a resolution in having the items removed. I also spoke with the representative regarding incorrect personal information, including social security number and addresses and inquiries that were not authorized by myself and was informed these would be deleted yet my most recent report still shows the information listed. I have attached copies of my FTC identity theft report along with responses from XXXX XXXX, XXXX, and XXXX XXXX XXXX indicating that they have agreed to delete all the accounts. 
This is a direct violation of my consumer rights under : section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

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: CARRINGTON MORTGAGE SERVICES, LLC
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:
XX/XX/2018 XXXX  XXXX XXXX acct XXXX decided to sell my home loan to another company called carrington mortgage services acct XXXX and i have been current and never late and they reported late 30 days on the month of XX/XX/2018. I have been current every month please fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My XXXX us bank card is used to receive my dividends from XXXX and I was r evenly alerted Due to non payment of a bill bill I continually pay monthly for a the for a traffic ticket Due to non payment of a bill I continually pay monthly for a traffic ticket That wasn't receiving payment so I called to check about my card well I don't use my funds for anything and I get money every 3 months or so biannually I do not keep log on how much I receive II just know the only payment I do get do is the one for the ticket That wasn't receiving payment so I called to check about my card well I don't use my funds for anything and I get money every 3 months or so biannually I do not keep log on how much I receive II just know the only payment I do get do is the one for the ticket Well I called to dispute charges and they closed my account saying that I violated card turn art terms and conditions by being frauded Badly said I would file a police report to Significantly show the damage that has caused I have not received the amount that has been used nor have I received I received a reinforcement for over a year of fraud has been done to my account supposedly I requested 2 cards recently which I never did My payments are anywhere between XXXX {$300.00} by annually I called to dispute and they hung up on 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 monetary relief
Consumer complaint received 2019-03-19
Company: LEXISNEXIS
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: Information belongs to someone else

Complaint:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a will be filed soon police report. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
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 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 the XXXX report showing that the Chapter XXXX has been removed from due to inaccuracies. I have already disputed this several times ; however NONE of the bureaus have actually taken the time to reach out and do a full investigation with XXXX. I requested that XXXX send me a complete report XXXX attached ) which will show that the Chapter XXXX is no longer on the report. It needs to be removed from each credit file immediately. As this is my 4th time doing this. Also, I have attached from each bureau the Information for TransUnionXXXX Consumers form that is on each dispute completion that clearly states that XXXX provides public record information to credit bureaus. The entire report is XXXX pages ; please read thoroughly. 

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 explanation