BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-20
Company: I.C. System, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reached out to IC System Inc. to dispute the debt issued by XXXX and they suggested that they could settle the debt and negotiated two prices one for approximately {$300.00} and another for approximately {$180.00} which where I declined both. I did provide in writing to the agency that I could return the modem box to XXXX in place of the debt being owed before the collection date of XXXX IC System did not attempt to reach out to me to confirm if the request was accepted or denied in order to stop the debt. Instead, they collected anyway. I also have reason to believe that they did not contact XXXX to negotiate terms of settlement. They assured me that they disputed the debt in their system but XXXX has to agree to the dispute. Communication with both the agency and XXXX has not been resolved.

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 2020-09-23
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:
SOMEONE USED MY PHOTO ID AND SOCIAL TO OPEN THIS FRAUDULENT XXXX XXXX XXXX XXXX  I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2023-10-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time framespecified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-15
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with COMMONWEALTH FINANCIAL plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Majority of the information on my TransUnion, XXXX, and experience credit report is fraudulent because it's incorrect information and amounts. And also the credit unions are a fourth party creditor. I did not give the third party an Express consent in order for them to put anything on my credit. The contract is between me and one other party and it is against the law for them to send my information to a third party without Express consent. So not only am I trying to get them took off for fraudulent information but to be opt out of their system that I did not give them permission to opt me in due to security breaches that they had within their company that allowed a fifth party to get a hold to my personal information. I believe that this fourth party company that obtained my information illegally is a wrist for my personal 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 2017-10-25
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My complaint relates to Navient, formerly known as XXXX XXXX. I was ill advised regarding repayment of my loans, was charged ridiculous amounts of interest and was then told when I tried to reduce my payments according to my income that I could not reduce my payments and that I should ask my co-signers ( my parents ) to help out with the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: PDQ Services, 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: Was not notified of investigation status or results

Complaint:
There was an opened account reporting on my credit with XXXX XXXX XXXX which reflects it was opened XX/XX/XXXX and sold to a collections agency by the name of PDQ Services. I never received a dunning letter or any notification of this account. I disputed the validity of this account along with the missing information as far as the date of last payment which is still MISSING. I sent dispute letters to all XXXX credit bureaus on XX/XX/XXXX requesting validation of this account. They failed to provide proper documents even upon follow up on XXXX. I would like to request the removal of this account from all XXXX credit bureaus along with an updated credit report reflecting the account has been removed. Please see attached for the account reported on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Had legal action and judgement taken without any knowledge of such nor having papers served to me. The judgement ( XXXX 2010 ) for {$1100.00} was due to a continuous billing error I was fighting without the credit card company ever fixing their mistake, ultimately stealing the last {$200.00} payment I made, which they never recorded at the XXXX where I paid. Now, as I am needing to clear this up to purchase a home, XXXX XXXX, who has bought the debt, will not let me pay anything and resolve this until I sign a document stating I will not contest their collection even before they will give me an amount they claim I will owe!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo purchased my mortgage in XXXX and at that time I was not informed that flood zone revisions had been done in my area or that I was required to have flood insurance. Now 9yrs later I received a letter from Wells Fargo telling me that my house is partially in a determined flood zone A   and that I am required to have flood insurance on my house and that if I don't purchase insurance they will have a lender placed policy put into effect at my expense. If you look at the FIRM for the area my house is effected, However I have provided evidence to the contrary to the Community Development office for my locality and they are in agreement with me and I have also filed for a LOMA from FEMA which the County feels well give me the result I am looking for. I informed Wells Fargo of all this and supplied them with the letter from FEMA saying my dispute was in progress as well as a survey that was done in XXXX before the revisions that shows my house not to be in a flood zone. Zone A flood zones are determined by approximate methods so my survey should be more accurate and FEMA is in possession of a copy of said survey as well as my deed which the survey is amended to as well as photos. The first letter I received was dated XX/XX/XXXX and advised me that I had 45 days and then received a letter dated XX/XX/XXXX saying they had purchased temporary flood insurance for me effective the date of the letter. Which clearly wasn't 45 days and during this time I was trying to get them to give me more time. I feel this has been an unfair and unjust act and am considering Legal action if applicable. I also tried attaching the letters but they won't upload

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: Bread Financial Holdings, Inc.
State: TN
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:
I receive a copy of my XXXX credit report and its how an Inquire on my report that I did not authorize form comenity bank on XXXX/2017. I do not do business with this company and did not authorize my credit be access by this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
American Express abruptly locked all my accounts without notice. Leading to a major stall with my business. This has caused major inconvenience to the business and altered daily workflow. American Express notified me that they required personal tax documentations. All charges on my cards were legitimate purchases made personally on my charge and business transactions on my business cards. I did not violate any terms or conditions and deem this process unnecessary. I have been a loyal customer since 2016. I recently paid {$95.00} annual fees on 2 separate accounts and have a {$450.00} annual fee posting this month. I paid for annual fees and do not have the ability to use my accounts. Every statement was always paid in full and on time every month. American Express is penalizing a loyal customer for no reason provided. They mentioned an increase in Spend but I have spent more than my current balances in the past and paid in full with statement closing. With holiday season they should not be penalizing for an increase in Spend. American Express has also already requested personal bank statements earlier this year because a college tuition bill was charged on my card. I do not believe American Express has the authority to lock and keep requesting documents from me, especially after just paying for annual fees to use their cards. No terms or conditions where never breached. Most of the business charges came from XXXX, XXXX XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
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: Information belongs to someone else

Complaint:
SOMEONE USED MY PHOTO ID AND SOCIAL TO OPEN THIS FRAUDULENT XXXX XXXX XXXX  XXXX  I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: CITIBANK, N.A.
State: GA
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 customer of Citibank for many many years paying off my balance in FULL every single month. I bought a TV in XX/XX/XXXX and did so for 2 years interest free. It is IMPOSSIBLE to pay my balance in full and then apply additional money directly automatically therefore I had to rely on manual payments each month which caused multiple late fees and INTEREST, which I never pay. I made a payment of {$1000.00} in XXXX and after three attempts they FINALLY acknowleged it but here we are again. I was SO frustrated with Best Buy Citicard that I contacted the Executive Team who didn't even call me to discuss. I was SO upset in XXXX that I was speaking to a supervisor where I told them I wanted to PAY OFF the {$1400.00} for the SAC for the TV even though it wasn't due until XX/XX/XXXX because it was causing excess charges and the supervisor gave me the TOTAL including the TV. It was RECORDED. I paid over {$5000.00} to inlcude my balance AND the XXXX XXXX and now they're saying that that's not true. {$5000.00} didn't include the TV. I asked them to pull the call records and NOTHING. This is a TOTAL scam and they're lying and are not being held accountable. I am ANGRY. They are taking advantage and lying to me and will NOT help me correct this issue and are NOT applying correct payments. The response team responded and the information was WRONG. It's a JOKE AT MY EXPENSE!!!!!!!!

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 2019-12-06
Company: National Credit Systems,Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
National Credit Systems Inc. Is reporting false information to my XXXX  and this is negatively impacting my credit. This company is reporting a collection of {$1400.00} This account is not mine. I have contacted NCSI on several dates, they are still reporting this account, please remove and cease reporting to any of my credit bureau 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Nelnet, Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've been trying to dispute matters with the student loans Nelnet, SC State and XXXX inaccurately reporting late payments. This been going on since XXXX 2021. They keep saying they don't have any late payments and I've been clearly sending them reports showing all the 90,120 day late 's and its hurting my credit really bad. I had XXXX this year and it affected me tremendously but then I also had my loans consolidated recently. They are just reporting inaccurate information on my credit report and it has to stop. By law I have rights and they are abusing the credit law 15 U.S. Code 1666 ( b ). I need all those late payments removed from XXXX from Nelnet, SC State and XXXX because this is inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was in process of purchasing my first home. Lender had offered me a home insurance policy prior to closing date and the amount it would cost I followed up by shopping my own insurance for home I purchased home insurance through different company contacted my lender told them of purchased insurance and corresponding information to access the insurance binder. I also asked them to not purchase the insurance that they offered to me for home I said i was not interested I have it in writing I also have it in writing that they said that message was recieved that i was not interested. I shared new insurance for home this was all taken cared of weeks before closing date. I closed on home and about 1 1/2 months in when making first payment i reviewed billing statement and escrow payments and funds. Noticed that there were 2 open home insurance policies the one bought and the one they were trying to sell me. Payment was made in full to wrong company using my money i placed in escrow. I contacted both Citizens Bank and XXXX XXXX XXXX company to compensate me for error and have the insurance closed I was notified payment has already been received and they would close the account a check would be mailed out to me. I received the check in return there was not a full refund with approx XXXX $ difference what should i do next I am positive this is either human bank error or the old who gets an envelope game that is all so common in todays real estate market

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00}

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 non-monetary relief