BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-14
Company: EQUIFAX, INC.
State: NC
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:
The same accounts, which have been settled, appear as double marks against the consumer. 

The following accounts : XXXX/XXXX - acct # XXXX XXXX/XXXX - acct # XXXX were sold to Collection Agency and also appear on my Credit Report : XXXX XXXX - acct # XXXX XXXX  XXXX - acct # XXXX These were resolved and paid by me, the consumer. 
The Credit Reporting Agencies CAN NOT continue to keep these accounts listed and make it look like there are 4 accounts that are delinquent, with balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: CITIBANK, N.A.
State: TX
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 called Citibank on XX/XX/XXXX due to a problem that I noticed with my statement. I have been paying the balance in full for the past few months, as indicated on the statement, yet they have been accruing interest monthly since XXXX. When I spoke to them on the phone, they did not have a good explanation as to why interest was being charged. It is my impression that when paying a balance on a card, that takes care of any and all fees that are due upon the due date ; however, Citibank said that there is a back log of how the interest is calculated. With that type of math, they will perpetually charge interest. I asked them if there was an amount that I could pay so that the interest charges would go away, and he said he didn't know. This is NOT a way to do business and is fraud. Citibank has been sued twice in XXXX for the way that they calculate interest and lost in both cases - this is deceptive trade and it seems that the only way to make the interest rates go away is to close the 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 monetary relief
Consumer complaint received 2019-07-14
Company: TD BANK US HOLDING COMPANY
State: WA
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:
This issue concerns a Target REDcard credit card that gets fairly infrequent use. After paying off the account balance in XXXX, as I do each month when the card is used, an additional transaction posted, payment for which was evidently due in early XXXX. No statement was ever delivered to that effect. No late notice was delivered. No phone or postal mail correspondence followed up on this balance. 

On XX/XX/XXXX, Target reported a past due balance of around {$110.00} ( {$70.00} of which is late fees ) to the credit bureaus. When I immediately paid the balance and inquired as to why they had sent no email statement and had not followed up with an email reminder, postal mail statement, or phone call prior to reporting to a credit bureau, the customer service agent said ( 1 ) that they are not required to deliver statements and ( 2 ) that they are required to report past due accounts to credit bureaus and can not then undo the report. Neither of these is true. When I reminded them of their obligations under the Regulation Z dispute process, they declined to take action and instead suggested I call ( the law requires written notice of the dispute, which I have provided ). 

I acknowledge the underlying {$40.00} transaction as legitimate. However, with more than 10 years of on time payment history, the only reason this was not paid is because no statement was ever delivered. Their total failure to follow up is debt parking, and while that practice may not be illegal, the customer service response that lies about the law is completely outrageous. They are required under 12 CFR 1026 to deliver statements, and no creditor is required to report late payments ( or prohibited from correcting errors ). 

The idea that an 11-year account holder should take a hit on a credit report that will last for years because of a {$40.00} purchase that was never properly billed, and for which absolutely no effort was made to collect prior to reporting as delinquent, is a black mark on Target for allowing their card servicer to behave in such a customer-hostile manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I've written XXXX  and Experian about the following collection accounts in XX/XX/2020 ( XXXX {$2500.00} and XXXX XXXX {$1200.00} ) that's on my credit report and to no avail a response has not been received and it has been well over 30 days. These accounts should be DELETED from my credit reports immediately! It is the sole responsibility of the credit bureau to make sure all information is verified. According to the FCRA you are required to go beyond the original creditor to verify all information reporting because you are getting paid to do so. you are required to obtain original copy of the application or contract when this account was open, or applied for. I need the proof. How was this verified? Congress states : that the Credit Report Agency shall within a responsible period of time reinvestigate and promptly delete inaccurate unverifiable info. This needs to be deleted immediately. How can these accounts be placed on credit report without a proper investigation going the full length of making sure the information is verified thoroughly thorough the original said creditors.

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 2023-03-12
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: Account status incorrect

Complaint:
My account should be marked paid up to date. Not late on any reporting agency. 
I spoke with the company to remove these. And update my payments they agreed

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 2018-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft 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 2020-01-31
Company: BB&T CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have never been late on the Heloc account and the servicing company knows this. BB & T filed a lawsuit claiming that a default occur when i never did. The note expired and is the reason for the lawsuit. Before the note came to its maturity date, I applied for a loan modification to extend credit. BB & T failed to process the request by claiming that due to the foreclosure loss mitigation was not an option. We disagree with BB & T lending practices. All servicing companies participate in the loss mitigation program specially in the State of Florida, a judicial state. in fact, millions of loans have been modified while on foreclosure. A few days ago i spend 5 hours on the phone with BB & T requesting contact and fax number to the loss mitigation department. I was transferred to more than 9 customer service individuals. None of them were able to provide any 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 2021-08-17
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was paid on XX/XX/XXXX, a Friday, and sent my payment to this credit card as soon as I was paid. My payment was a few days late due to it being a weekend and they refuse to refund my late fee. I have went back and forth for over a week and they refuse to help me. They said that I have already had a late fee waived and too bad. That is not how things should work in a time of a pandemic when most people are living paycheck to paycheck and have to wait until they are next paid. I asked for the case to be escalated after I received a canned response that made no sense when my reply was to a reply from them. I was told, As it turns out, we're unable to further escalate this matter either. Umm excuse me? So now you refuse to help out a customer, but you also deny the case being escalated? That is also a rude way to speak to a customer. No one should be forced to pay a {$29.00} late fee when my {$38.00} payment was received a day later.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14
Company: EQUIFAX, INC.
State: NC
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 a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Experian continues to blatantly ignore my account disputes, they will not even do a proper investigation, I submitted a cfpb complaint a few days before, stating my problems they responded with an answer that didn't have nothing related to my request. They claim to do a reinvestigation. Their " reinvestigation '' took less than 4 hours before they verified these account again without providing me proof of their accuracy. I have proof attached photos of their 4 hour investigation. They are reporting inaccurately on MY credit report, and I have no say whatsoever, This is COMPLETELY unfair and unconstitutional, I asked them on multiple occasion to please do a proper investigation they investigation they did took less than 4 hours, How fail to see how in any situation is that adequate enough time to do a thorough investigation. They claim they can not remove these account because I they say they belong to me, I asked them to provide me validation of debt for proof, they have not. Also, they accuse me of working with a credit repair company, I have never in my life hired a credit repair agency. I have proof to backup every word in the complaint attached with this complaint, Experian continues to report invalidated account on MY credit report without proof, and I don't have a say. Experian is in proper violation of the FCRA. This is unfair.

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 2021-04-24
Company: EQUIFAX, 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: Account information incorrect

Complaint:
THE 3 CREDIT BUREAUS AND XXXX ARE NOT REMOVING THE LATES FROM MY CREDIT REPORT. THE MOTOR BIKE WAS A TOTAL LOSS THE INSURANCE PAID THE ACCOUNT AND I ALSO MAILED A PAYMENT IN. I HAVE PROOF BELOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: I.C. System, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION TO IC SYSTEMS ( XXXX XXXX XXXX ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$940.00} does not belong to me. This account was fraudulently opened through this company IC SYSTEMS ( XXXX XXXX XXXX ) in XXXX of 2021 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire this account I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

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 2020-11-12
Company: ONLINE Information Services, Inc.
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A patient with the same name and date of birth as me was allegedly treated at XXXX XXXX  XXXX XXXX in XXXX, Georgia on XX/XX/XXXX. The medical bill was not paid and I received a letter dated XX/XX/2020 from Online Information Services ( OIS ) stating that I owed payment on three debt accounts for a total of {$2900.00}. On XX/XX/XXXX, I mailed a letter disputing the debt to OIS. I received a response from OIS on XX/XX/XXXX indicating that XXXX XXXX XXXX  XXXX and XX/XX/XXXX( the parent companies of XXXX XX/XX/XXXXXXXX XXXX ) confirmed the debt was valid. On XX/XX/XXXX, I discovered that OIS had reported the debt to XX/XX/XXXXand XX/XX/XXXX. The debt appeared on my credit reports from both agencies. I disputed the debt and froze my credit. XX/XX/XXXXremoved the debt from my report on XX/XX/XXXX. XXXX  removed the debt on XX/XX/XXXX. After calling XXXX XXXX and XXXX XX/XX/XXXXseveral times, I discovered the hospital had recalled the debt from OIS. One person from the hospital billing office and one person from XXXX XXXX told me the patient actually was not treated atXX/XX/XXXXon XXXX XXXX. There are many unanswered questions in this case, but the bottom line is that Online Information Services is at least guilty of not conducting an investigation before attempting to collect the debt. On the opposite end of the spectrum, OIS is possibly guilty of the practice of Zombie Debt as it appears the patient may not have been treated by the hospital on the dates in question. People should be very cautious when dealing with an unscrupulous and unethical collection company like Online Information Services , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14
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:
I have reported identity theft to Experian. I sent them a police report identifying the XXXX XXXX XXXX account, and the other supporting documents that they require. Experian has refused to follow FCRA 605B and delete the fraudulent information that is identified in the police report. I sent it more than 30 days ago. 

The XXXX account that must be deleted and blocked for identity theft is XXXX opened XXXX XX/XX/2012 and it has a fraudulent balance of {$4500.00} on it. I have also provided the police report and my statement to XXXX about this account and they refuse to follow the FCRA and remove it as fraud as they are required to do within 4 days. 

It is becoming a common problem that Experian refuses to follow the law, and they are acting to harm consumers knowingly and willingly. XXXX is also particularly bad at following the law and removing fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a collection listed on my credit report that has never been validated. I dispute it and get no resolution. I am unsure if it was opened fraudulently or what because no contact has ever been made in regards to this. I am the spouse of a military Veteran that is completely XXXX and any valid accounts that were opened in my name, would reflect an interest rate capped by the SCRA due to my spouse being XXXX XXXX and deploying. I am unable to verify the account info, to see what this is and if the military lending act/SCRA was applied if it is indeed a valid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
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: Was not notified of investigation status or results

Complaint:
What happened is its been over 30 days I need help. 


XX/XX/2020 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, Equifax, XXXX.. 

I didn't hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

Today is XX/XX/2020 and I still haven't even heard back from these Companies yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$25000.00}, {$9500.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$32000.00}, {$20000.00}, {$400.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

9. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account. 

10. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not 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 2021-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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/2021 I called Transunion to try and gain access to my account to dispute multiple credit checks that were fraudulent. A representative from TransUnion informed me that my account was locked out and that I had two accounts. He then read an email address and partial card number for this second account. I informed him that I did not make that account nor did I opt to pay for credit monitoring services. I told him that my birth certificate and VA letters were stolen from my mailbox and was a victim of identity theft. He would not release any other information regarding this account so that I could give to the police in order to find the person committing the identity theft. My complaint is that the Transunion company did nothing to validate this person 's identity nor did they notify me of this secondary account instead just disabled my actual account. This allowed the person to see my whole credit report freely and allowed them full access to all my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation