BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-01
Company: RSI Enterprises, Inc.
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
RSI Enterprises has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a Federal Student loan with the XXXX XXXX XXXX XXXX that went into default and they began to garnish my paycheck until the loan was paid off in full. The final payment was made over a year ago. In fact I over paid on the loan and received several refund checks from the US treasury department to repay back the over payment. A few months ago I was informed by my mortgage lender that I had an unpaid student loan appearing on my credit report. I thought he must be seriously mistaken but there was a balance of {$180.00} added to a school loan and it stated it was unsettled. I reached out to the XXXX XXXX XXXX XXXX  about what was appearing on my report as well as disputed the era with XXXX. I was told by XXXX XXXX XXXX that my acct was categorized incorrectly and they would have to correct it and should reflect correctly in 7 days. I waited two weeks and called them back and the era had not been corrected. I was reassured that the problem would be corrected and was told this time that it only takes two days. My lender ran a check of my profile on some system ( due to me applying a gov backed loan ) and my name was cleared after two days. My XXXX  report was corrected as well. However, now on my XXXX  report it is saying that I failed to make a payment on the acct this year. The acct was satisfied last year and there should not be anything due. They owed me. Now XXXX is not allowing me to dispute this acct again because I disputed it previously. My fear now included that XXXX will be the next one receiving incorrect information on my report. This has cost me two homes in this home buying process. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-13
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: Account information incorrect

Complaint:
I had a Federal Student loan with the XXXX XXXX XXXX XXXX that went into default and they began to garnish my paycheck until the loan was paid off in full. The final payment was made over a year ago. In fact I over paid on the loan and received several refund checks from the US treasury department to repay back the over payment. A few months ago I was informed by my mortgage lender that I had an unpaid student loan appearing on my credit report. I thought he must be seriously mistaken but there was a balance of {$180.00} added to a school loan and it stated it was unsettled. I reached out to the XXXX XXXX XXXX XXXX about what was appearing on my report as well as disputed the era with Transunion. I was told by XXXX XXXX XXXX that my acct was categorized incorrectly and they would have to correct it and should reflect correctly in 7 days. I waited two weeks and called them back and the era had not been corrected. I was reassured that the problem would be corrected and was told this time that it only takes two days. My lender ran a check of my profile on some system ( due to me applying a gov backed loan ) and my name was cleared after two days. My transunion report was corrected as well. However, now on my XXXX report it is saying that I failed to make a payment on the acct this year. The acct was satisfied last year and there should not be anything due. They owed me. Now XXXX is not allowing me to dispute this acct again because I disputed it previously. My fear now included that XXXX  will be the next one receiving incorrect information on my report. This has cost me two homes in this home buying process. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I have opted out of overdraft protecting completely ( as opposed to just opting out of some protection, 2 opt-out options the bank proposed ) when I opted out I was left with the information that if my account has no money to cover transaction then I may still get hit with a insufficient funds fee. Which I was ok with. However I did NOT expect TD bank to STILL temporarily deduct the amount I didnt have the funds to cover. PLUS the fees and THEN when the charge was no longer pending, credit me for the amount that should have been rejected instead! So Im not only now in a negative state regardless if temporary or not, the hold was long enough for the charges I did approve get rejected resulting more fees. An example, I had opted out of OD and I lets say I was expecting a check for XXXX attempt to clear but I didnt have the funds, which should have left me with a {$35.00} charge but instead of charging me just the insufficient funds fee they still deducted the {$100.00} anyways, but as a hold not a charge they plan to credit back the {$100.00} after a day or two holding that amount of the check that shouldnt have cleared at all!! Now the approved charges were now unable to clear causing my account to suffer additional fees. My account according to our agreement should be left with a zero bal based on my records and what I was told, not a negative bal. causing even more fees and problems! TD bank didnt refuse a check from clearing due to insufficient funds like I was told they would after opting out of protection. Instead the bank still subtracted the check plus charges from fees so my attempt to have enough money to cover my intended purchases and leave enough in my account to cover any charges a bounce check created! When TD credited my account for the amount they held from the check that should have bounced it was too late! So according to my agreement and my calculations I should have been left with enough money to pay a fee + the XXXX charges I authorized leaving me a bal of XXXX, However because of how they did things, it will now cost me over {$110.00}, leaving my account in a very bad way with a negative {$110.00} instead. This cant be fair? What was the point of opting out of OD protection if they still planned to remove funds that arent available? Then charge me for overdrafts or insufficient funds for each item on hold even if I agreed to pay them before check tried clearing. They argue that it is only temporary but even if temporary it was held long enough to disregard anything else coming through and clearing. I feel like I was lied to and stolen from. Dont I have rights and a way to protect myself and hold them for ever penny it cost me because they lied? I truly hope so, I will make this publicly known after this complaint to protect and help others from experiencing the same thing!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-01
Company: AES/PHEAA
State: MA
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:
XXXX XXXX reported 9 delinquent accounts on my credit that lowered my score drastically. These loans are supposed to be under my Dad 's name as he is the one paying the loans. His phone number and home address are listed on the account. The first time I tried to resolve with the company I was rudely hung up on my one of their representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To summarize : On XX/XX/XXXX, a XXXX XXXX loan officer ( XXXX XXXX, District Sales Manager | NMLS # : XXXX ) located at XXXX, California, pulled my credit report without my consent. 

Here are the details : On XX/XX/XXXX, we gave permission to XXXX XXXX to pull our credit report in order to get the pre-approval of a mortgage as we are trying to purchase our first home. On XX/XX/XXXX, we got the pre-approval valid for three months. 

We also talked to a loan officer from XXXX XXXX XXXX. He told me, once the bank pulled the credit report, and issued the pre-approval, and if we get the mortgage within 120 days, the bank won't need to pull our credit report again. So we assumed it's the same for all banks. As the rates offered by XXXX XXXX is significantly lower than XXXX, so we decided to go ahead with XXXX XXXX instead. 

We decided to move forward with the house purchase. So today, I called the banker, and told him we are going to write an offer for our dream house this weekend, and whether he can move our pre-approve to underwriting for a more formal review. He said yes. And he never mentioned about the need to pull our credit report again. And later in the afternoon, he emailed us that he can no longer provide us the mortgage because our credit score dropped below the minimum requirement. I logged into my credit report account, and noted, because of his inquiry without my permission, my credit score dropped by 10 points! And I was furious. How can the bank go ahead and pull my credit report without my permission? He just pulled the credit report less than one month ago and my pre-approval is valid for 3 months. Even if it is XXXX XXXX XXXX internal policy to pull the credit report again, he should have at lease let me know and get my permission. If I knew he needs to pull my credit report again, I would never chose to work with XXXX XXXX. As I know there are other banks ( for instance, XXXX ) out there who do not need to pull the credit reports over and over again! 

Me and my husband were planning to make an offer for our dream house this weekend, but now with this unpleasant incident, I don't know whether we can make the offer or not! We waited for so many years to purchase our first home. And now because of an illegal credit inquiry, we may loose the opportunity to buy my home. I can not accept this. 

Please help me and my husband look into this. We really need this to be resolved as soon as possible. Thank you so much!

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 2021-07-18
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have paid this loan as agreed its still reporting open and inaccurate on my credit report.

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 2020-07-26
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
Pnc bank blocks XXXX cash transfers in order to use their own system and it will not allow for money to be deposited to crypto currency wallets.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 was a victim of identity theft so I had to close my bank accounts. I made one late payment because of this and capital one refused to make an exception. Im a valued customer and I have never missed any payments since then. I spoke to someone at capital one and he agreed to report to the credit bureau and update it as never late. It us not been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX {$420.00} I challenge the accuracy, compliance and reportability of this listing. 
There is no contract, no valid claim ... account was settled with original creditor ( XXXX ) ... grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. You can not collect a debt twicethis is unlawful Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all  information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..

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 2020-05-19
Company: EQUIFAX, 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 was trying to cosign for my cousin to get a new vehicle and the car salesman told me my credit was too low. I told him to show me my report and print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX {$180.00} XXXX XXXX   XXXX {$450.00} XXXX  XXXX XXXX {$120.00} XXXX XXXX  XXXX XXXX {$390.00} XXXX XXXX {$660.00} XXXX   XXXX {$950.00} XXXX XXXX XXXX  XXXX {$440.00} XXXX/XXXX  XXXX {$18000.00} XXXX XXXX XXXX {$60000.00} XXXX XXXX XXXX {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: EQUIFAX, INC.
State: MN
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:
On XX/XX/2021 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'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Account Name : US DEPT ED Account # XXXX and XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX Dates of late : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX I'm not sure how I was late in those months. I have paid this account on time during those months. I could have gotten my statements late. I also see the date of last payment being reported inaccurately. XXXX  is reporting XX/XX/XXXX while XXXX is reporting 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 explanation
Consumer complaint received 2021-05-08
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was not notified of the debt being present, was never given the option to pay for the debt prior to it being posted on to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit 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:
So I have a account with bank of america. I noticed I had a bunch of charges that I never heard of an small to large amounts. An it would be like 6 big amount charges in 1 day. Then a few little charges. Then on another date a cluster of big charges. All from XXXX an something called afterpay. These are NOT my charges. It's fraud. Its obvious it's fraud. After researching online. This is a common scam. My bank knows this is fraud. But yet. They denied my claim

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 2018-05-01
Company: Adler Wallach & Associates, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I reviewed my credit report and found that AWA ( Adler Wallach & Associates, Inc ) had placed a collection file to all 3 credit bureaus ( XXXX, XXXX, XXXX ) for payment of a medical debt. 
I sent a Validation Request to AWA via Certified Mail on XX/XX/XXXX ( delievered on XX/XX/XXXX ) I received a statement of the alleged charges which does not meet the FTC guidelines on what constitutes proper debt validation.

I sent a second Vailidation Request via Certified Mail on XX/XX/XXXX and received no response. 
This collection account remains on my credit file with all 3 bureaus without Validation. 
It also appears that AWA is not a licensed Collection Agency in the State of Tennessee, where I reside.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-18
Company: CITIBANK, N.A.
State: MN
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:
Part of my identity was stolen. I never opened the account below. It does not even link with my Home Depot account. It showed up when I received a notice of drop in my credit line from XXXX XXXX. I am in the process of disputing this account. Also, I never received a bill so it was not linked to my home address or email. 


THE HOME DEPOT/CBNA # XXXX ( XXXX ) XXXX XXXX XXXX Corporate Place XXXX XXXX, SD XXXX Loan Type : CHARGE ACCOUNT Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Revolving Account Date Updated : XX/XX/XXXX Payment Received : {$0.00} >Maximum Delinquency of 120 days in XXXX {$380.00} and in XX/XX/XXXX for $ XXXX Pay Status : >Account 120 Days Past DueDate< Terms : {$170.00} per month ; paid Monthly Date Closed : 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 explanation
Consumer complaint received 2018-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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 am a victim of identity theft at one point there were addresses listed on my Credit Bureau reports from XXXX, XXXX XXXX, XXXX  and multiple addresses here in XXXX where I live I reported the fraud to the FTC I file police reports and in addition to that there were fraud alerts added to all of the three major credit bureaus the other Banks all acknowledge the fraudulent activity and have removed the fraudulent accounts from my credit report but for some reason Bank of America is still standing by their their decision that this is a legitimate account please show me some proof so far you've not provided any proof guess an account was opened yes it was used but not by me and of course the information is similar this is why it's called identity theft if the information didn't match mine it wouldn't be called identity theft please explain your point of view you keep telling me that you have validated the account because the information matches of course it does this is the problem.

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