BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-28
Company: Conn's, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XXXX I pulled my credit through XXXX to check for mistakes as consumers are requested to do. 

I noticed Conns credit corp had 2 collections against me. I knew I had 1 account when I bought a TV from them but I never had a 2nd account with them. So on XX/XX/2018 I sent 2 letters to Conns asking for a verification of debt of both accounts so I would know what the second loan was for. I sent both letters registered mail and received confirmation of their acceptance of both letters on XX/XX/2018 signed by a XXXX XXXX. 

On XX/XX/2018 I received a letter back from Conns showing the proof of a TV that I had bought. Which I knew about and I was able to verify the account number for that loan. However the 2nd loan that Conn 's says I have and is reporting on ALL of my Credit Reports, I still have received nothing for. It is now almost 5 months later and Conns has chose to ignore my letter for verification of Debt for the 2nd account they show on all of my credit reports. 

I have called Conns to make payments on the 1 collection that I have with them. I have even asked if there is any other debt I owe, they told me this was the only one. 

I have tried to go to the credit bureaus and ask that they verify the debt. They all said it is your debt because Conns said so. I tried several times to ask who they talked to or a copy of any paperwork sent to them showing proof to no avail. 

I am tired of feeling trapped by the Creditors and Credit Reporting Agencies. They make it so hard to actually get anyone to verify anything. I know Conns can't because there is not a 2nd loan with them. 

Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
CFPB DISPUTE RE : Bank of America credit card XXXX Account history : The account was opened in XXXX This credit card account was a joint account between my father XXXX and my mother XXXX. 
I was added as an authorized user to their account when I was in college. 

Death certificates for both of my parents are attached below : -Father XXXX XXXX SS # XXXX Date of death XX/XX/XXXX XXXXMother XXXX XXXX SS XXXX XXXX Date of death XX/XX/XXXX My legal name is XXXX XXXX XXXX . My SS # is XXXX. My identity documents are below. I helped care for my mom and we shared the same address at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 


Overview of issue I need help addressing : I contacted Bank of America after my mothers death and was told that they wouldnt remove me from the account and process the account as a deceased account since both of my parents, the only liable parties, were now deceased. 

I felt forced to continue to make payments from my own account after my mom 's passing because I didnt want any late marks on my perfect credit. 

I have never signed a contract to be a liable party. I was always ONLY an authorized user.

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 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Sirs, recently I applied for a loan to finance an rv trailer. One institution, XXXX XXXXXXXX XXXX, sent me a letter saying they denied their support based on a consumer report from Trans Union LLC. They also advised I have a right under the Fair Credit Reporting Act to get a free copy of the report. 

I called Trans Union and was put through a long automated process to collect my information. During that call they attempted four times to sell me services I did not want. After my last rejection of a paid service, the service said " sorry, we are unable to complete '' and hung up. 
I then attempted to use their online website. Their hyperlink for consumer support goes to an unsupported address. 
I then called their consumer support line. After the representative claimed they could not send the report, I advised them I have a right to receive it. They then took my information and said it would be sent within seven days. And again, the representative tried to sell me services I do not want. 

This is unacceptable and violates both consumer rights and credit rights. 

My application number to XXXX is listed as XXXX, and request was dated XX/XX/23. Their later dated XXXX XXXX lists Trans Union as providing a negative report. 
Finally, I did receive a loan from another institution, but this letter citing rejection because of TransUnion concerns me. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, 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 2022-06-19
Company: Experian Information Solutions Inc.
State: KS
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:
Somebody opened a account which was never opened by me so iv disputed it and it keeps getting verified as accurate which it is not

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 2022-06-19
Company: EQUIFAX, INC.
State: KS
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:
Somebody opened a account which was never opened by me so iv disputed it and it keeps getting verified as accurate which it is not

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 2018-08-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I Called customer service last XX/XX/XXXX about the non availability of chase bank in Maryland. SInce I needed my money, I asked for an increased in withdrawal. I was approved to make a {$1000.00} instead of the usual {$500.00} dollars only. I was told to call back so they can reverse the fee. It was not reversed. 
ON that day also, I issued a check to my sister since depositing at her account would allow me to get my money from her. However, I was charged for a {$34.00} fee for insufficient funds after depositing {$1000.00}. I was told it was late already and the cut off was over. I would like to request that I be that fee be reversed. 
ON XX/XX/XXXX I was charged another {$34.00} for a {$9.00} charged. This is outrageous. IF they never charged me {$34.00} and {$2.00} ATM fees, these should have not happened in the first place. 
I want to file this complaint for outrageous fees that the bank continuously charged for hard working citizen who lives paycheck to paycheck where a dollar counts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-01
Company: Adler Wallach & Associates, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX is claiming that I owe a debt from XXXX. 
The debt was actually created in XXXX, if there was even a debt? 
I divorced the man responsible for the 15 year old alleged debt. I dont understand how they suddenly act like its a debt from XXXX randomly, and have put it on my credit report. This is incorrect information and need to be removed from my credit immediately. 
I should be protected by the fair credit act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30
Company: EQUIFAX, 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:
See attached!! The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, last verified inaccurate and date last reported is not accurate. Some accounts are showing open and some are showing closed status.The account is in charge off status but still showing a balance this is a tax fraud because this alleged debt has been written off on the companies profit/loss statement and I have not received a form XXXX and are trying to collect on an alleged debt twice. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. According FCRA guidelines information furnished on consumer reports have to be 100 % accurate across on all 3 credit reporting agencies or the account has to be removed from my consumer report as this constitutes fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX 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

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 2019-10-30
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: Old information reappears or never goes away

Complaint:
I have a XXXX XXXX  bill showing on my credit report for {$74.00}. I don't know when I had XXXX XXXX but it was over 10 years ago. My credit report shows a bill opened XX/XX/19 on my credit report that is not mine that I recall at this time it is inaccurate. At least not here in Florida. I have been here for four years now.

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 2018-08-28
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In response to CFPB compliant # XXXX I requested for TRANSWORLD SYSTEM INC in my last compliant to stop all collection attempts and they ignored that request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX XXXX credit cards for dress barn is Robo calling me several times a day, both Robo calls say : Hi, This is XXXX we need to discuss an important business matter regarding your XXXX XXXX account with Capital one. I didnt quote the rest, because Im not positive Im correct. Both calls come from different women named XXXX. One sounds like a young gal, in her 20s. The other sounds like an older woman. I know they are Robo calls because neither voice changes nor does the intonation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: U.S. BANCORP
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
This is a follow up to complaint XXXX. 

US Bank was able to send out 4 new cards ... ... .but they all came deactivated and when calling to activate the customer service rep says they need to replace the card. This is obviously not okay as I've already tried to replace 5 times.

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 2018-08-28
Company: HEARTLAND PAYMENT SYSTEMS INC
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a bill that stated that my forbearance ends XX/XX/XXXX and I would need to begin making payments beginning XX/XX/XXXX. First payment amount was {$82.00}. 
I had scheduled " bill pay '' of {$140.00} ( I had planned to pay more than what was due - {$82.00} ) with my bank. 
I realized that my bill pay would not happen BEFORE XX/XX/XXXX, so I cancelled the bill pay and contacted both XXXX notifying them and then I also contacted XXXX State University. 
I made the XXXX payment XXXX {$82.00} ) on XX/XX/XXXX using the XXXX payment system. I paid a ~ {$4.00} fee to do so. I did not pay the {$140.00} that I had planned because the fee attached was based on the amount of the payment so to keep the fee low, I only paid what was due. 
My next payment of {$40.00} was due on XX/XX/XXXX. I made that payment via my bank 's bill pay system. That check was cashed on XX/XX/2018. 
My next payment of {$40.00} was due on XX/XX/XXXX. I made that payment via my bank 's bill pay system. That check was cashed on XX/XX/2018. 

I have been in repayment status since XX/XX/2018 ( 3 months ).  Since I have made payments for all amounts due, when they were due and in the amount due, how is it that I have {$140.00} past due? They claimed I was three months behind in payments when I made all of the payments ( see below )? That does not add up. 
Please see the table below that shows a breakdown of payments due and payments made. The amount due ( {$160.00} ) is equal to the amount paid ( {$160.00} ) It appears that they sent me a past due bill for the {$140.00} payment that I cancelled. That was NOT an invoiced amount. The invoiced amount was {$82.00} and that was paid, in full, on XX/XX/XXXX. 

Due Date Amount Due Amount Paid Paid date Check # check cashed date XX/XX/2018 {$82.00} {$82.00} XX/XX/2018 N/A N/A used XXXX system XX/XX/2018 {$40.00} {$40.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 {$40.00} {$40.00} XX/XX/2018 XXXX/XXXX/4625 XX/XX/2018 TOTAL {$160.00} {$160.00} XXXX corrected my payment records and account, but they reported to the credit bureaus that I was 60 days past due, even though I wasn't. 
I contacted heartland XXXX  and XXXX State University twice via email to see if they have corrected my credit reports. I have not received a response from either XXXX or XXXX State University.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: KS
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 want to submit a complaint in my personal credit report information that is questionable. I was never late on this account. It has been deferred because I'm still in school. Also, how can it be XXXX  days late without first posting XXXX or XXXX  days late? major error. Please verify all info is true, accurate, and correct incomplete name spelling, address of record, etc. The following accounts are listed below : XXXX XXXX XXXX  : {$30000.00}, XXXX XXXX XXXX  : {$16000.00}, XXXX XXXX XXXX  : {$2800.00}, XXXX XXXX XXXX  : {$12000.00}, XXXX XXXX XXXX  : {$17000.00}, XXXX XXXX XXXX  : {$17000.00}, XXXX XXXX XXXX  : {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 want to submit a complaint in my personal credit report information that is questionable. I was never late on this account. It has been deferred because I'm still in school. Also, how can it be XXXX  days late without first posting XXXX or XXXX  days late? major error. Please verify all info is true, accurate, and correct incomplete name spelling, address of record, etc. The following accounts are listed below : XXXX XXXX XXXX  : {$30000.00}, XXXX XXXX XXXX  : {$16000.00}, XXXX XXXX XXXX  : {$2800.00}, XXXX XXXX XXXX  : {$12000.00}, XXXX XXXX XXXX  : {$17000.00}, XXXX XXXX XXXX  : {$17000.00}, XXXX XXXX XXXX  : {$11000.00}

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 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This is the several time I've complained about being a victim of identity theft. XXXX and TransUnion must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX ( Original Creditor : XXXX XXXX IL ) XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$220.00}

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 2018-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
XXXX account number XXXX shows Pay Status Charged Off but still showing a balance and a past due amount. 
Kohl 's account number XXXX shows Pay Status was Charged Off, but still showing a balance and a past due amount. XXXX account number XXXX shows Pay Status Charged Off but also still showing a balance and a past due amount. 

How can there be a balance and a past due amount on these accounts when they were Charged Off?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Authorization was faxed on XX/XX/18. The request to attach the authorization to the account was made very clear on the fax cover sheet. Fay Servicing is refusing to attach my authorization to the account and is refusing to speak to me, even though the homeowner/borrower has explicitly given us permission to speak to Fay Servicing. We have given Fay Servicing, the Account Manager, XXXX XXXX XXXX XXXX ), and XXXX manager several opportunities to abide by the homeowners request, yet they refuse to do so. 

***Please note that we did finally receive a payoff demand from Fay XXXX so its obvious the DO have our authorization and are PURPOSELY REFUSING TO ABIDE BY THE HOMEOWNER 'S REQUEST. ( See attached Payoff Demand from XXXX and our authorization faxed XX/XX/XXXX ) I want the authorization attached to this account IMMEDIATELY. 

I want an update on the loan modification process IMMEDIATELY. 

I want Fay Servicing fined the maximum of {$1.00} million due to their refusal to service this loan according to Federal and State servicing guidelines. 

CC : XXXX XXXX, Attorney General of California

Company response to consumer: Closed with explanation