BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-08
Company: EQUIFAX, INC.
State: LA
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:
In accordance with the Fair Credit Reporting Act, I respectfully asked the bureaus to investigate my claim and, if after your investigation they find my claim to be valid and accurate, I ask that they immediately delete the unauthorized inquiries outlined Furthermore, I asked that the bureaus send a corrected copy of my credit profile to me at the address I PROVIDED on letters sent. I explained to the bureaus By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.I KNOW the bureaus have a duty in accordance to the fair credit act to report true and accurate information on consumers report .That has n't been the case .It appears these bureaus are more out to receive money from these companies and XXXX consumers. 
I know for a fact that my account was compromised by THE EQUIFAX BREECH .I had XXXX inquires as of XX/XX/XXXX -XX/XX/XXXX all of a sudden old unauthorized inquires that had been disputed and removed reappeared along with some new inquires. I have so many unauthorized & UNKNOWN inquires REPORTING on all 3 of my consumer reports. I had names that was n't mine, debt, accounts and addresses that was removed because they was reporting on my credit but not mine. I sent letters to ever last company on my file that is reporting these inquires i do n't authorize and have no knowledge of .NOT ONE HAS RESPONED .I SENT 3 LETTERS TO THE BUREAS ASKING THEM TO INVESTIGATE THESE unknown and unauthorized inquires. I also called and was told to dispute it with creditors in which i did and received no reply .It amazes me how these bureaus can allow people to use your information without your knowledge but want help consumers by protecting our information from these companies and etc. PLEASE HELP ME TO MAKE THESE BUREAUS FOLLOW THE LAW AND NOT KEEP XXXX CONSUMERS LIKE MYSELF

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Experian Information Solutions Inc.
State: LA
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 am a victim of identity theft. I have gone back and forth with Experian sending all documents that they have requested. The inaccurate informative is still on my report. This is the last and final attempt before filing a litigation 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 non-monetary relief
Consumer complaint received 2021-10-18
Company: CITIBANK, N.A.
State: DC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Citibank continues to delay crediting the advertised/promised bonus to my account ... .supposedly, they are " researching '' the issue... .without a doubt, this is the worst bank that exists ... ..they lie, delay, and are unethical!

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 2019-06-24
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient has given misinformation about my loan, they send several emails a day all with misinformation. Navient calls and emails me several times a day although I have provided proof I am enrolled full time in school until XX/XX/2020 XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Freedom Mortgage Company
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:
Here is the complaint about Freedom mortgage who disowned the account disputed. If this creditor claims that this account does not belong to them, they need to order the credit bureaus to DELETED THIS ACCOUNT FROM MY CREDIT REPORT or UPDATE IT TO PAID AS AGREED NEVER LATE ( PAANL ). XXXX, XXXX, and XXXX reported it for a long time with a piece of inaccurate 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 explanation
Consumer complaint received 2019-06-24
Company: TRANSUNION INTERMEDIATE 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:
I have a public record on TRANS UNION which shows a public record. It does NOT describe the record, except it shows the institution who filed the record is the US Bankruptcy Court. XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. It is recorded at {$0.00} and dated XX/XX/2010. I wish to have removed based on time and payments.

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 2017-12-28
Company: Global Resolution Group, LLC
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This complaint is in reference to Global Resolution Group based in XXXX NY. I received a call on my work phone at XXXX, cell phone at XXXX, they called my ex-husband at XXXX, and finally called my husband at XXXX all on XXXX XXXX 2017.  When they spoke with my husband, they told him they were trying to reach me in reference to a claim against me. They wanted him to verify my date of birth and my ssn which he refused to do over the phone and told them they would need to send something to us in writing via mail. They told my husband they were going to flag this as a forced claim and send it on up. I looked them up online and could find very little information about them or their company aside from their website. There are very few reviews about this company. I also looked them up on the Department of Professional Occupational Regulation in New York and could not find them listed as a licensed business in New York. Internet loans are not legal in Virginia and there have been several class action law suits filed in the last few weeks against internet loan and payday loan lenders. The person who called stated ( on my voicemail ) he was doing a pre-legal review of my claim. This is the first time I have even been contacted by this " company '' and feel as though they were threatening to take legal action against me. I also tried to find the location of the company on XXXX maps and the address they have listed shows up as a tree on the satellite imagery. Interestingly this group is located on the same block that internet lenders and payday lenders have listed as entities loans have been " sold to '' as well, they are all within a one mile radius of each other.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: EQUIFAX, 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:
Here is the complaint about XXXX XXXX  who disowned the account disputed. If this creditor claims that this account does not belong to them, they need to order the credit bureaus to DELETED THIS ACCOUNT FROM MY CREDIT REPORT or UPDATE IT TO PAID AS AGREED NEVER LATE ( PAANL ). Equifax, XXXX, and XXXX reported it for a long time with a piece of inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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:
Here is the complaint about XXXX XXXX  who disowned the account disputed. If this creditor claims that this account does not belong to them, they need to order the credit bureaus to DELETED THIS ACCOUNT FROM MY CREDIT REPORT or UPDATE IT TO PAID AS AGREED NEVER LATE ( PAANL ). XXXX, Transunion, and XXXX reported it for a long time with a piece of inaccurate 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 2021-04-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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:
I have filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and i haven't received investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: Experian Information Solutions Inc.
State: TX
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 have sent multiple credit disputes to XXXX XXXX, XXXX, and experian regarding my credit report. I was a victim of identity theft in 2012 when my License and my social was stolen. I have 3 inaccurate debts on my credit that I have never heard of or signed for. 

XXXX XXXX {$990.00} XXXX- {$2100.00} XXXX XXXX XXXX & XXXX XXXX XXXX- {$530.00}

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
Consumer complaint received 2017-11-08
Company: STERLING JEWELERS, INC.
State: TX
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:
On XX/XX/XXXX I applied for a Kays credit card. The manager & regular sales associate told me that it would only be a soft inquiry on my credit, after I expressed my concern of the inquiry. I had not built any credit at that point, so I figured why not build my credit with a small amount on a Kays card. I talked to the manager at Kays & she told me to either go online or call the number on the back of my card. I emailed Sterling Jewelers on Saturday, XX/XX/XXXX to make them aware of the situation. Today, XX/XX/XXXX I received an email informing me that I needed to contact the CFPB, since they are unable to modify information being reported to the credit bureau.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-07
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I had a similar complaint against this bank a few months ago but it never went anywhere and I am not sure why. Was it submitted? I never got a resolution of any kind. 

I contacted this bank several times in the last three months about the interest rate I am being charged after purchasing a piece of furniture in the early fall of last year. I did not at the time realize that I would not be able to be offered a low interest rate on a new purchase like this for at least six months. Most cards do offer this and it was too late. I can not afford to pay this interest. I am still being affected by the Pandemic ( my mortgage was on deferral for a year and four months and we just went back to paying ). That coupled with the cost of heat right now is crippling us financially. If nothing is done for us, I told them that I am going to have to force a settlement. I want the interest credited back to us from XXXX and this one item at the very least put on a low interest rate for six months starting now or I am going to have to offer a settlement of less than half the balance and take my punches as far as my credit goes. I will deal with it. I am not going to not be able to put food on my table and heat my house due to not being able to make a dent in this balance. I don't think this is too much to ask considering what is going on in this country and what we have been through.

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 2017-11-08
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I am a member of Experian 's credit monitoring service. My score continues to drop because there is a technical error in their calculating algorithm. They have admitted to this problem as well as admitted its also affecting other customers. I filed my original complaint with them XX/XX/XXXX, case number XXXX, I have made several phone calls and I am told after 4 months that it is still in motion and being reviewed but they can not contact anyone internally in the technical support department to check status. Further more the analytics they provide on my account are incorrect, and fraudulent. Other credit bureaus have me listed in the 700 range while experian has me calculated because of their system error XXXX points lower. They refuse to fix the problem, and provide no service or information to help correct the issue.

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 2022-03-07
Company: EQUIFAX, 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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the following accounts completely from my Credit Reports : XXXX XXXXXXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXXXXXXXXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: Diverse Funding Associates LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Account was opened XX/XX/2012 account to XXXX in the amount of {$330.00} This should have never even been sold to a collection agency as the original merchandise was brought back. 

Debt is not even valid ; and I formally request that this is removed and closed from my credit report. This has been on here for no reason, for far to long, I would appreciate that the company removes this immediately.

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 2019-06-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have received multiple telephone calls from Portfolio Recovery regarding an extremely outdated debt. I have asked them to contact me in writing only but they have ignored my requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-24
Company: Diversified Consultants, Inc.
State: TX
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 have sent several requests to Diversified Consultants asking they provide a written and signed contract between me, XXXX XXXX, and Diversified Consultants regarding a repayment plan. I have not received a response from this company. I sent these requests on XXXX/2019/ XXXX/2019 and XX/XX//2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I submitted a request back in XX/XX/XXXX to deactivate the overdraft protection between my checking account and a credit card account I have with USAA. The overdraft protection did not work as I thought it would ; it offered no financial benefit to me and it actually cost more money to utilize. On XX/XX/XXXXthere were financial transactions that processed on my checking account. I realized there were not sufficient funds in the account to cover all the transactions, therefore I transferred money from my savings account to cover the transactions on my checking account. Inadvertently, USAA utilized the overdraft protection, which I was not aware remained active on my account. OnXX/XX/XXXX I was advised by XXXX XXXX that he would resolve this matter. Since that time I have left weekly messages for XXXX XXXX, with no response. Additionally, my credit card was assessed additional interest fees onXX/XX/XXXX USAA did credit the interest that accrued for the month of XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My wife and I were victims of fraud committed by global client solutions. I had approximately twenty accounts go into collections because of them. They charge us a fee and made a promise to help us with a debt consolidation. They did not do anything and because of that, I fell into a lot of bad debt. I tried fixing the accounts but they just wanted part or all of the money that was owed. It was too much and so I only fixed what I could and the rest went into collections. I have been paying collection agencies and making settlements but they have not updated the credit reports. I see a lot of negative remarks that are not suppose to be there. Before global client solutions my accounts were in good standings and global client solutions ruined my credit. I need it fixed or eliminated. The accounts that I already paid should be erased, I did not recklessly do this, the company that I trusted to do a job ruined me and my wife. I need to know what to do or how you all can help me. Like I said, the accounts have payment arrangements but they are not getting updated in the three credit bureaus. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/2021 A check from XXXX XXXX was sent to me front and back via email by a professor of my University ( XXXX XXXX University ) I am an XXXX  XXXX who lives in Florida I had completed 2  tasks about data collecting for this professor prior to having any exchange money/cards ( which took 7 hours each ). 
He sent me this check for {$1900.00} to pay me for 4 prepaid Visa cards ( I was asked at separate times to purchase each one ). This check was to reimburse me for 3x {$500.00} cards and a single {$250.00} card. These cards were to be used to buy products in the future that we were collecting information about. The remaining balance was to pay my for me services so far and I was told I would be receiving another reimbursement check days later. 
I received an email after several weeks of communication with this 'professor ' and I was alerted by a cybercrime mass email of traditional scammers happening. I realized I fit the description and found out I was being scammed and the professor was not the professor I thought. 
I was to take pictures of the front and back of each card and email them back. 
I was told to print the {$1900.00} XXXX check out, cut and sign, and mobile deposit. I did as I was told and used this check as a mobile deposit into my Wells Fargo account. 
I deposited this on XX/XX/2021 Saturday. The money was recognized in my account on XX/XX/2021 and I used a portion for the costs on XX/XX/2021. On XX/XX/2021 the check had been returned out of my account and on XX/XX/2021 was deemed fictiosus. 
My account is now over drafted and I can make the XXXX balance because I have no funds to use and I had funds to lose, to begin with. 
I do not agree with being able to access the funds and then have the funds be stripped from my account a whole day later. 
I have filed a police report case number XXXX filed FTC report XXXX Here is my report number to WellsFargo for Online Services via Fraud XXXX Wells Fargo internal services followed up with me today via phone and basically told me I should not have spent the money because it didn't look like a check. AND IT DOES. I have the check if I can send it to you. 
I do not see how this can be in my account and accessible DAYS after I deposited it and still take the money out. 
I am hoping I am reaching every corner I can with this case. 
I am a struggling college XXXX and am emotionally, mentally, and of course, financially devastated by this.

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