BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-02
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: Information belongs to someone else

Complaint:
These are not my accounts that I have inquired about. I have given my name by I.D . and it's not showing correctly on my credit which I think opened these accounts in my name. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
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:
I HAVE TRIED SEVERAL TIMES AND SENT IN COMPLAINTS AND FAX IN REGARDS TO ID THEFT THAT OCCURED ON MY ACCOUNT. I LOST MY PURSE. IT WAS REPORTED TO XXXX COUNTY SHERIFF AND XXXX XXXX POLICE DEPT. THEY BASICALLY TOLD ME THERE WAS NOTHING THEY COULD DO. I WENT IN TO GET CAR FINANCING TO FIND MANY ERRENOUS ACCOUNTS ON MY CREDIT REPORT DUE TO IDENTITY THEFT THAT I HAD NO IDEA EVEN EXISTED. PLEASE CONTACT THE 3 BUREAUS ABOUT THIS MATTER SO I CAN RESOLVE OUTSIDE OF CIVIL COURT. I HAVE ASKED FOR MY REPORT TO BE CLEARED OF THESE COLLECTIONS AND FOR THESE ACCOUNTS TO BE UPDATED MY IDENTITY WAS STOLEN BACK IN 2005 AND I'VE BEEN BATTLING THIS FOR YEARS. WHY AM I BATTLING WITH THE CREDIT BUREAUS WHEN THEY ARE HERE TO PROTECT THE CONSUMER. I ASKED FOR A FRAUD ALERT TO BE PLACED ON MY ACCOUNT. AND THE FOLLOWING ACCOUNTS REMOVED. 

THESE FORMS HAVE BEEN SENT VIA FAX AND THEY SAY WE NEVER RECEIVED THEM. HOPEFULL THEY'RE RECEIVED FINALLY!! 

XXXX XXXX XXXX XXXX XXXX XXXX ACC NUMBER XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  AT THIS TIME I HAD INSURANCE THIS WASNT ME AND IT NEVER WENT THROUGH MY INSURANCE XXXX XXXX  XXXX XXXX Account Number : XXXX CREDIT INQUIRIES 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 non-monetary relief
Consumer complaint received 2019-02-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Portfolio Recover stated I owe them {$910.00} when I asked to see an agreement I had wit them they send me a copy of a letter from XXXX XXXX without a break dow of charges. Also the letter states at the bottom, " this is not an apptempt to collect a debt. When I check my credit reports, Portfolio Recovery says I owe XXXX XXXX XXXX XXXX XXXX. I called the company, they can not find a record with my name on it. I would like this charge removed from my credit report or Portfolio Recovery to provide me with an orginal agreement that I signed with them or a break down of the charges that will equal {$910.00}. I have been making this simple request for over a year now. Please try to get this company to remove this negative information from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am requesting to remove the fraud alert on my Credit report. I've sent an email about it but I haven't got any response yet from the credit bureaus. Please help me. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Capital one bank lied to me. I have filed a dispute against a charged on my credit card from XXXX XXXX hotel. My room in the hotel had bugs in the bed, bathroom, floor and walls. The owner of the hotel does not want to give a full refund. He refunded me % 50, but I would like a full refund. No one will pay to stay with bugs in the bed ( literally ). I have videos and pictures of this incident. I let capital one bank know about my situation and I got a letter from capital one bank on XX/XX/XXXX asking for additional documents in order for my dispute to be accepted. In the letter, capital one bank stated that if I do n't get these additional documents to them by XX/XX/XXXX then my dispute will be closed. First of all, there is not enough time ( from XX/XX/XXXX until XX/XX/XXXX ) for me to get all the documents. Second of all, one document requires a third-party 's opinion about my incident. I have already contacted the third party ( another hotel ) and they have told me that they are not able to provide me with the kind of documentation because it 's against their policy so capital one bank is asking me for a document that it 's not possible for me to get. I called capital one bank and talked to an associate. The associate lied to me and told me that capital one bank does not have the final decision on the dispute, but the final decision comes from XXXX. I called XXXX and they have told me that they do n't make any decisions and it should be the bank. I called capital one bank and I asked an associate to extend the deadline, which is XX/XX/XXXX. She lied to me again and said that it 's in the system and she can not change it. I asked to speak to supervisor -- after waiting 20 minutes on the phone ( literally ) -- the supervisor answers my call and finally agrees to change the deadline to XX/XX/XXXX. The supervisor also lied to me and said that they need to submit the required documents to XXXX and that XXXX has the final decision. I called XXXX a second time and they told me again that XXXX doe not give any final decisions on disputes. I need someone with enough power and justice to make capital one bank agreed to my dispute because the real hustler here, it 's the owner of the hotel. I asked capital one bank associates if they would pay to sleep with bugs in the bed- all of them say NOOOOO, then why do n't they want to accept my dispute. I HAVE ENOUGH PROOF. please help me with this case, I am extremely upset that a bank with all its power is trying to manipulate my situation in order for me to pay for something that should n't be.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I was going through my accounts on XXXX XXXX I noticed there was past information being reported on my accounts on transunion XXXX XXXX XXXX XXXX this was all settled. on XXXX XXXX XXXX  XXXX XXXX XXXX this was all settled as well and I think is the same thing they are referring to. 

The situation Is the government said they would wipe off the debt back in 2017 if anyone has additional questions feel free to call me. I just want this inaccurate information removed from my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: EQUIFAX, INC.
State: OK
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/XXXX I purchased a XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX, Oklahoma and my vehicle was financed through a financial institution that I can not remember. In XX/XX/XXXX I got a letter that my vehicle loan had been purchased by XXXX and that 's when the problems started with XXXX. If I was late with payments, XXXX called endlessly, day and night starting the day the payment was due until it was paid. They actually had my car repossessed twice based on mistakes they made in their accounting department! The XXXX blew a head gasket in XX/XX/XXXX and it was parked not running, but I kept making payments on it and carrying full coverage insurance. Finally at the end of XX/XX/XXXX I had paid a {$15000.00} loan down to about {$2500.00} so I sent a personal check to XXXX to just pay off the balance in XX/XX/XXXX for the full amount. I waited and waited to get my title in the mail, finally after about 90 days, I got my check returned to me with a letter stating they needed a cashier 's check not a personal check. So at that point I just said forget it, they can have the car, it was n't running anyway. XXXX wrote off the remainder of the loan in XX/XX/XXXX as bad debt, BUT they keep reporting it every month on my credit report to make it look like an active account. At this rate it will never drop off my credit report and it is dragging my credit down. This is not fair for them to keep reporting it every month to keep it active on my credit report and I want them to stop doing it and report it accurately as written off in XX/XX/XXXX and let it go once and for all. To continuously punish me for their inconsideration and bad debt collection practices is more than unfair. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Opened : XX/XX/XXXX ( 4 mos ) Account status : Open Original Creditor Name : XXXX XXXX XXXX XXXX Amount owed : {$710.00} and another opened with {$750.00} Opened XX/XX/XXXX ( 4 mos ) and the last time I went to XXXX XXXX XXXX XXXX was in XXXX or XXXX, I left this area since XXXX. 

How come it's open then XXXX? I have no idea what this debt is about. If it was for my kids whom had insurance by that time, it should not be under my name or in my credit report. And guess what we might resolve this in court because those emergency rooms always fail to charge the insurance companies which my kids have XXXX and now adding all this amount on my credit report. I'll give you 30 days to remove this from my report because it is proven that all my kids have insurance since day one and never cancelled. And in fact even so, should not be under my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: The CBE Group, Inc.
State: UT
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 trying to get all of accounts that are in my collection accounts section on my credit report to be removed and corrected on my credit report ... Because none of these accounts are mine. I have tried to file a dispute with XXXX personally on there site online but it continues to give me an error # ( XXXX ) So im unable to complete the dispute process. 
The only account in my entire report that is mine is for the mortgage loan I have still revolving to this date. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
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: Account status incorrect

Complaint:
Hello, My name is XXXX XXXX and I am contacting you with regard to an ongoing issue I have been having with TransUnion. That credit bureau is reporting inaccurate information ( 2 recent payments ) on my credit report. This inaccurate reporting and overall failure to update, has resulted in my having been denied a credit limit increase with one of my creditors recently. I also anticipate starting the home buying process in the near future and can not have this inaccurate reporting be an issue. 

In XX/XX/2020, I submitted a request to the U.S. Department of Education, requesting that my student loans be consolidated ( thus bringing them out of default status ). That application was ultimately approved. In XX/XX/2020, I received the enclosed notification from XXXX, one of the holders of two of my previously defaulted loans. In that letter, ECMC acknowledged having received the payment required to bring the two student loans out of default status. XXXX has also updated those two accounts with the credit bureaus to reflect closed/paid. 

While I do not dispute those accounts as having been in collections, I am again disputing the inaccuracy of the reporting. TransUnion is currently reporting that in XX/XX/2020, I missed a payment on each of the loans that they were holding ( for a total of 2 ). 

This is incorrect. Per XXXX, TransUnion is reporting a late payment within the past 6 months. I also have a premier subscription with XXXX  that provides 3 bureau monitoring. My TransUnion data under that monitoring service ALSO lists a recent missed payment. That missed payment is XXXX. There were no missed payments and even when the account was in a default status, I had been making monthly payments for over a year.I have disputed this via phone ( XX/XX/2020 ), as well as online, but the information has not been accurately updated. 

On XX/XX/XXXX, I sent a letter to TransUnion ( via certified mail ), asking that they make the necessary corrections and/or updates on their end. On XX/XX/2020, I contacted them via phone to request an update. I was informed that they do NOT see any recent missed payments on my credit report. I again explained the information that is listed on XXXX and XXXX. TransUnion instructed me to contact the credit monitoring providers. 

I contacted XXXX  Customer Care and they explained to me that they could only update Information as it is provided to them by the credit bureaus ( in this case, TransUnion ). I am stuck in the middle and can not seem to get this information 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 2017-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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/XXXX I purchased a XXXX XXXX XXXX at XXXX XXXX Imports in XXXX, Oklahoma and my vehicle was financed through a financial institution that I can not remember. In XX/XX/XXXX I got a letter that my vehicle loan had been purchased by XXXX and that 's when the problems started with XXXX. If I was late with payments, XXXX called endlessly, day and night starting the day the payment was due until it was paid. They actually had my car repossessed twice based on mistakes they made in their accounting department! The XXXX blew a head gasket in XX/XX/XXXX and it was parked not running, but I kept making payments on it and carrying full coverage insurance. Finally at the end ofXX/XX/XXXX I had paid a {$15000.00} loan down to about {$2500.00} so I sent a personal check to XXXX to just pay off the balance in XX/XX/XXXX for the full amount. I waited and waited to get my title in the mail, finally after about 90 days, I got my check returned to me with a letter stating they needed a cashier 's check not a personal check. So at that point I just said forget it, they can have the car, it was n't running anyway. XXXX wrote off the remainder of the loan in XX/XX/XXXX as bad debt, BUT they keep reporting it every month on my credit report to make it look like an active account. At this rate it will never drop off my credit report and it is dragging my credit down. This is not fair for them to keep reporting it every month to keep it active on my credit report and I want them to stop doing it and report it accurately as written off in XX/XX/XXXX and let it go once and for all. To continuously punish me for their inconsideration and bad debt collection practices is more than unfair. Thank you

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 2020-11-03
Company: CITIBANK, N.A.
State: TX
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 using Citibank with no issues, until now. I decided to make payments to pay down my balance via my savings account a month ago. They still have not credited the amounts and I am getting no help from customer representatives, other than mixed answers. Some sound they are literally making up responses that are not valid. Such as they havent received the funds from my bank, yet my bank shows theyve posted. Next was for security reasons I have to wait until the XXXX, until the XXXX, up to 30 days, so on since they are going through a security process for using a new account to pay. Continuously given the run around. Its just ridiculous and some payments theyve taken out twice. Im told my account is not restricted or frozen, but it very much is. If my available balance is XXXX yet Ive made multiple amounts in payments from my own bank account, same name just the savings and even the checkings ( those should go through no problem ), they told me to and I wouldnt have any issues! Nope those arent available yet either. I have to go through this XXXX XXXX XXXX XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
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:
From the month of XXXX, I have been contacting XXXX XXXXl to pay the minimum monthly payment and I have n't been able to. XXXX XXXX, has blocked me from making online payment, XXXX XXXX and XXXX XXXX. I went on XX/XX/XXXX, to XXXX to make payment to XXXX XXXX via XXXX XXXX and on the screen the customer service representative said that she had never seen a message across the screen instructing me to call into XXXX because there was a block on it. Moments later, I called into XXXX 20 times to be exact to correct the problem, and they stated they received a fraudulent check from me. I do n't even have checks and have always used online banking, ( which I 'm blocked from as well ) but the rude customer service rep in the fraud department stated that their was a check but it the check was n't written by me at all. XXXX XXXX has blocked me from all ways of making a payment, and I have lates on my credit from it ... XXXX XXXX is also aware of my difficulties of making payments because they blocked me from all forms of making 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 2021-09-16
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:
I disputed a collections account ( XXXXXXXX XXXX XXXX  ) with Transunion on or about XX/XX/21. I called them on XX/XX/21 to check the status of the dispute and they stated it was still in process. I called them on XX/XX/21 and they now state the dispute was never made.

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 2020-11-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
We purchased XXXX washer and dryer from XXXX in XXXX for {$2800.00}. We paid Citi Costco Card which provides extended warranty. The machine broke in XX/XX/XXXX and upon calling appliance repair they diagnosed a shock absorber needs to be replaced. Total estimate for shock absorber was {$290.00} and we submitted a claim via Citi benefits for {$380.00} ( {$290.00} + {$85.00} service call ). After about a month the claim was approved and we call the appliance repair to replace the shock absorber which they did. Just a month before replacement of the shock absorber we started to see that every time we turn on the washer various electric circuits in our house start flickering. And when repairman came to replace shock absorber we asked to look into this as well ( to save on another service call ). He quickly diagnosed the issue with main electric board and said it is dangerous to use the machine. I asked for estimate and they send me {$730.00} to replace circuit boards. This is when I submitted another claim to Citibank. After reviewing the claim adjuster approved only {$330.00} out of {$730.00}. Upon my request they said that it is not a different issue but a part of the same repair and they can't pay more than {$710.00}, and attempts to speak to a manager were declined. In my opinion this is a violation of warranty terms.

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 2021-05-21
Company: I.C. System, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I.C. SYSTEM, INC claimed I owe XXXX as a collection, but I don't recall have any business transactions or dealings with this company. I am asking that you have the creditor provide evidence that the account belongs to me and should be reported in my credit report, In addition, to show that my rights have not been abrogated. I'm asking the creditor to verify that they have a signed contract or paperwork from me or related to me in any fashion. Unless this paper is produced or the account is unverifiable, I required that this account is updated and deleted to reflect the proper reporting standard.

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