BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-03
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have recently been informed that there is negative information reported by CHEXSYSTEM in the file you maintain under my Social Security number. Upon reviewing a copy of my consumer report, I see an entry listing XXXX XXXX  XXXX such as my account was charged off {$300.00} in XX/XX/XXXX ( ACCOUNT ABUSE ) I challenge the accuracy, compliance and reportability of this listing. 

I submit my first complaint to CHEXSYSTEM on XX/XX/XXXX via chexsystem online portal and they fail to provide any validation for the above account that belongs to me. I submit a second complain via USPS on XX/XX/XXXX and chexsystems failed to respond until now XX/XX/XXXX. 

I was denied two ( 2 XXXX times for a bank account in the past 6 months due for CHEXSYSTEM reporting false and inaccurate information to financial institutions. 

I have attached a POLICE REPORT and notarized FTC Identity Theft Victim 's Complaint and Affidavit. 

Failure to respond satisfactorily within 15 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
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:
I submitted a letter in regards to items on my credit report that was not accurate. 

There are 2 address that are not mine and was notified they were on the black market by XXXX Please remove the following addresses : 1. XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX XXXX. XXXX XXXX  XXXX XXXX, XXXX, GA XXXX The following inquiries I did not authorize : 1. XXXX XXXX   XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX Please remove the following account thats not mine : 1. XXXX XXXX XX/XX/XXXX The following account came back as not mind on my other Bureaus but is listed on this one, please delete this account which is not mine, XXXX XXXX XX/XX/XXXX. 

Please make the following corrections to my credit report. 
Thanks in advance

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 2020-08-25
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
This account is more than seven years old US DEPARTMENT OF EDUCATION ( CLOSED ) at XX/XX/2013 I asked the credit bureau to look into. They just sent me a generic answer,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
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 information incorrect

Complaint:
I did a online credit report today XX/XX/XXXX with Transunion and it shows I worked at XXXX with verified date of XX/XX/XXXX. That is incorrect information because I NEVER worked with XXXX company in XXXX XXXX nor USA. 
How can that be clarified and corrected?

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 2020-11-23
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I transferred {$50.00} from my Navy Cash Rewards Visa to my savings account on XX/XX/XXXX. I checked my balance on XX/XX/XXXX and the account showed a XXXX  balance. I sent Navy Federal a message twice on the app and they responded and notified me that they took the money to pay off a debt I owed on an old checking account that was closed. My issue is that the money was taken without my knowledge or authorization. They just took the money out of my account without letting me know to satisfy a debt. I asked them to send me a bill. I attached a screenshot of the message reply I received back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
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: Information belongs to someone else

Complaint:
I submitted a letter in regards to items on my credit report that was not accurate. 

There are 2 address that are not mine and was notified they were on the black market by XXXX Please remove the following addresses : 1. XXXX XXXX XXXX XXXX, XXXX, GA XXXX The following inquiries I did not authorize : 1. XXXX/XXXX. XX/XX/XXXX 2. XXXX XXXX XXXX, XXXX. XX/XX/XXXX 3. XXXX XXXX. XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX Please remove the following account thats not mine : 1. XXXX XXXX XX/XX/XXXX The following account came back as not mind on my other Bureaus but is listed on this one, please delete this account which is not mine, XXXX XXXX XX/XX/XXXX. 

Please make the following corrections to my credit report. 
Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: FORD MOTOR CREDIT CO.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Ford credit, XX/XX/2020 Was harassed 10 calls today. Explained that my position was eliminated due to covid 19. I have a payment set for XX/XX/XXXX. 

Threats and treated unfairly and did not get employee id, no transfer to supervisor and call sounded from another country. 

Was hung up on and was never resolved

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2017 I worked with a company XXXX XXXX XXXX who " bought '' a credit card debt from XXXX XXXX. In a good faith effort to pay that debt and clear it up, I paid the " OFFER '' amount to settle it in full for XXXX out of XXXX owed. I paid the XXXX to the collection company on XXXX 's behalf and XXXX refused to and still refuses to show " settled paid in full '' according to my agreement with XXXX, XXXX who provided me with a letter stating " Settled in Full ''. 
IF XXXX  is representing as XXXX XXXX collector than I should be given the curtesy of having my account reflect the fact that I did the right thing and paid the agreed Settlement amount.

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 2022-03-01
Company: The Receivable Management Services LLC
State: IN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was called by XXXX, a debt collector by a restricted phone number on XX/XX/XXXX XXXX PM EST. She said that her intention for calling was for me to settle a debt owed to XXXX XXXX. It was her second time she called me. I told her that I would like for her and anyone else who identifies themselves as debt collectors who work for Receivable Management Services LLC to call me, but she insisted that she had to call to help me settle the debt. I told her I am not employed and therefore am not able to pay any debt 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 2018-03-07
Company: Experian Information Solutions 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:
I submitted a letter in regards to items on my credit report that was not accurate. 

There is 1 address that are not mine and was notified they were on the black market by XXXX Please remove the following addresses : 1. XXXX XXXX XXXX XXXX, XXXX, GA XXXX The following inquiries I did not authorize : 1. XXXX/XXXX. XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX/XXXX. XX/XX/XXXX Please make the following corrections to my credit report. 
Thanks in advance

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 2018-07-03
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
ON XX/XX/XXXX OF 2018 THERE IS A CHARGE TO MY ACCOUNT OF {$160.00} FROM XXXX, I DIDNT HAVE ENOGHT MONEY AND PEOPLE UNITED BANK PAID AND CHARGE ME {$37.00} FOR OVER DRAF, FINE THEY PAID I SAID IN MIND, ON XX/XX/XXXX I WHEN AND DEPOSIT {$500.00} AND MY NEW BALANCE WAS XXXX BECUAE THE THE XXXX THEY CHARGE WITH I WAS FINE WITH IT, BUT TODAY XX/XX/XXXX I GET BANK IN TO ONLINE BANKING AND I SEE THEY RETURNED THE XXXX TO MY ACOUNT AND THEY CHARGE ME AGAIN {$37.00}, SO THIS PEOPLE IS CHARGE TWICE FOR THE SAME TRANSACTION, I CALLED THEM AND THEY DIDN'T GIVE A SOLUTION, MY COMPLAIN THEY CHARGING TWICE FOR THE SAME, HOW UNFAIR BASICALLY THEY CHARGING {$74.00} TO MUCH MONEY.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-24
Company: EQUIFAX, INC.
State: AL
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:
Request for method of validation To Whom It May Concern : I recently received a response to a CFPB complaint that I made under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) ) regarding the validation of the below accounts which you show as validated and belonging to me on your records. I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am extremely interested to learn how your investigator ( s ) arrived at this conclusion. I would like to see a complete list of all  documents and correspondence between the credit bureau, existing creditor, and original creditor. Please include all names and contact information of employees that you spoke to as part of your investigation. All previous letters and documents that I sent to you attached along with this correspondence in order to help you process this request. I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. I expect to receive a response within 15 days of receipt of this complaint, or I will expect to see the item in question permanently expunged from my record. Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. Acct XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Experian Information Solutions Inc.
State: OK
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
So as soon as I XXXX  college, I was put into a loan forgiveness program with XXXX XXXX XXXX XXXX. I had to pay them a fee to get in and {$35.00} a month. Apparently they were filing my income driven repair for XXXX  every year. I had no idea they were filing through XXXX. The last 3 years they filed, my payment plan was {$0.00}, which is why I didnt have any issues till now. The last year they filed, my payment went from XXXX to {$39.00}. Now I have been paying them {$35.00} a month and they did not notify me that I also had to pay XXXX  {$39.00}. I didnt even have access to my XXXX account till my credit score dropped {$200.00} points and I XXXX XXXX and had to recover my account. If I knew they were just filing with XXXX, I would have done it my self and used the money I was paying them to pay my student loans. I called XXXX and they told me that I was never in a forgiveness program and that I was being scammed. An employee helped me get out of the scam and had me report the third party company. I was never trying to get out of paying my student loans. I was just a woman that got taken advantage of right after college. Now, during this pandemic, I have lost my job and forced to move out of my home in XXXX. I have made a payment of {$39.00} to show good faith and that I will continue making any payments necessary to get this corrected. I will attach all the payments I have been making that third party company.

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 2019-06-11
Company: CNG FINANCIAL CORPORATION
State: IA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was contacted via phone around XXXX XXXX XX/XX/XXXX by a man named XXXX XXXX who said he was with XXXX XXXX collecting a payday loan debt from Check N Go. He threatened me with legal action, stated if I didn't pay today, civil court proceedings against me would occur tomorrow in my county court, I would be sued, and my credit would be damaged for the next ten years. I panicked, as I had used Check N Go in the past when I first moved to XXXX from XXXX to help pay the deposit on a new apartment. I agreed to pay {$50.00} of the ~ {$270.00} debt. After I hung up, I realized it may have been a scam. I called my bank to see if the hold for the {$50.00} had been placed and they identified the transaction as going to a debt collection company called XXXX XXXX. Research into this company with the XXXX uncovered a XXXX rating of F and several alerts. I then logged into my Check N Go account and found the original password had been changed. I changed it and there was an unpaid debt of {$110.00} on there from XX/XX/XXXX. I paid my previous loans and had no need for the service anymore, as I had been at my new job for a couple months and had steady income. The other red flags this call elicited was that the caller used an old address from several years ago, stated that the check stubs were from an employer for whom I worked until XXXX of XXXX -- and through whom the payday loan would not have been accepted because the last check I received from them was in early XXXX of XXXX. He did not have my current address. I contacted the police, who took a statement. I then contacted the county courts to see if small claims or criminal courts had any cases against me -- there were none.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX National Credit Card Cos Did not make this inquiry XXXX XXXX XXXX Amount {$330.00} Date Opened XX/XX/XXXX Acct Status Open **Never received card ; all transactions were made fraudulently and credit has not reversed my balance to {$0.00} XXXX XXXX XXXX Original Creditor 01 XXXX XXXX XXXX XXXX Amount {$610.00} Date Opened XX/XX/XXXX Acct Status Open **account is not mind/ nor did I open this acccount, creditor refuses to close this account after multiple disputes XXXX XXXX XXXX Original Creditor 01 Comenity Capital Bank Amount {$1100.00} Date Opened XX/XX/XXXX Acct Status Open **account is not mind/ nor did I open this acccount, creditor refuses to close this account after multiple disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: CCS Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/XXXX, I had XXXX XXXX and was billed by XXXX  {$300.00}. I tried to make payments ... and paid $ XXXX XXXX  stopped sending statement and sent debt to Credit Services ... .who claim to have sent me numerous written notices. I argue they did NOT. I paid the balance only after an accidental finding of the debt on my credit report ... XXXX a contact phone number, and I paid in full {$220.00}. over the phone. They have now damaged my credit with no written warning. Had they sent me what they claim to have I would have paid the bill then. Thank goodness I found it when I did before applying for credit somewhere. 
It is the ONLY derogatory report in 21 years ... following numerous XXXX and large medical bills that have ALL been paid in full. 
This is SOOOO frustrating. While polite on the phone, they suggest I send a fax with complaint per a supervisor but stand by the 'written communication ' dates and suggest I check with my Post Office. I have lived at this address for 8 years. A letter could be lost in the mail, but not the over 6 they claim to have sent. 
They also had my daughter listed as the contact number instead of my number. Bizarre. Now, I pay the damage for their errors. Incredibly unfair.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Value city closed my credit card and damaged my credit report. They did not reply with any reason to why they close my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
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 status incorrect

Complaint:
TransUnion and XXXX state that I have closed three XXXX XXXX XXXX Credit Card accounts. Those credit cards never reached my address almost 2 years ago. XXXX XXXX told me at the time that these wont show in my credit report. I only have one credit card with them. I never closed 3.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: All State Credit Bureau, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have tried disputing this collection debt account. I have requested full verification of this account. I have not had any success with my attempts to get this debt account validated by the credit reporting agency or the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Enhanced Recovery Systems is continuingto report a collection account to my consumer credit file. If Enhanced Recovery Company has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includes ALL contractual documents stating and proving that I am responsiblefor this account that I agreed to and authorized the alleged debt that Enhanced Recovery Company is attempting to collect. Enhanced Recovery has no legal right to attempt to collect a debt. Enhanced Recovery has not validated this debt nor sent me a notice of collection. Enhanced Recovery is in violation of the FCRA and the FCDPA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 HAVE 2 PREVIOUS ADDRESSES THAT ARE NOT MINE AND 2 EMPLOYERS NAMES THAT ARE NOT MINE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo bank is once again playing games with the way that they charge overdraft fees. They used to allow items to come through their system and charge you 1 OD fee for all transactions. Now they have changed their algorithm and are charging one XXXX fee for each transaction. I recently was charged XXXX dollars for 3 items that came through. One year ago they allowed the largest dollar amounts to come through 1st and charged 1 XXXX fee. Now they let all the smaller items come through and the larger items after and then charge you XXXX for each item after

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