BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-09
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt recovery co. Enhanced Recovery filed false claim, I spoke with co. they claimed I owe and that co. has no unpaid bills under my name plus I never lived at address they have on file. I filed a complaint last year with your guys about same acct against XXXX XXXX, both of these co 's have multiple complaints from consumers about these co 's filing false claims under fake accts to extort payments. They claim I owe {$440.00} and sent negative report to my credit report on XX/XX/19 and XX/XX/19.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Please REMOVE the reported non-compliant claim from the data furnisher of XXXX XXXX XXXX for account XXXX, XXXX XXXX XXXX  for account # XXXX, XXXX XXXX  XXXX for account # XXXX, XXXX XXXX XXXX   for account # XXXX, XXXX XXXX XXXX   for account XXXX XXXX XXXX XXXX for account # XXXX, it currently is deficient of compliant reporting, ILLEGALLY MIND YOU! The accuser is reporting illegally, and the item of report MUST be removed due to failure to have legal standing in full accordance of federal reporting regulations. For one,  Accounts XXXX, # XXXX, # XXXX, # XXXX, lacks the minimal federally FCRA REQUIRED redacted truncation for lawful reporting.  MATHEMATICALLY each MISSING redacted or OVER REDATED value increases likelihood of a fraudulent reporting by ten-fold ( since each character can potentially represent 0-9 each ), so missing the four requisite truncated characters calculates to 10x10x10x10x10x10x10x10x10x10x10= 110,000 times GREATER ODDS of potential fraud due to possible identity theft or elsewise. TRUNCATION requirements are to ensure account privacy and consumer protection, any deficiency is OBVIOUS grounds for permanent removal and any injuries resultant of the misreporting is equally suitable grounds for civil action and monetary awards. ERADICATE this unlawfully reported claim today, even here and NOW, so to RETURN to mandated reporting compliance. Please present DOCUMENT evidence of the PHYSICALLY VERIFIABLE PROOF of CERTIFIED COMPLIANCE, even to the metro 2 format ( a requisite of regulatory reporting standards ).

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 2021-03-25
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I phoned Experian and spoke with a wonderful Experian employee. I explained that I have repeatedly challenged an incorrect account on my credit report and that it has not been deleted. I also explained to her that since I have disputed the account so many times the system will not allow me to open another dispute so I had to resort to calling in order to open another dispute. The account is provided by XXXX XXXX XXXX. She opened my dispute and after talking with her, I felt it would eventually be removed since I have a history of paying my credit card balances off each month. 

On XX/XX/XXXX, I received an email stating that the dispute had been verified and my score was down. I do not know how Experian got proof of a factory reporting company such as XXXX XXXX XXXX verified a debt that is not mine. I reported XXXX  XXXX XXXX to CFPB in XXXX : XXXX and then again in XXXX CFPB number XXXX. I also reported the original creditor XXXX XXXX XX/XX/XXXX CFPB number XXXX. I received a response from XXXX, a XXXX XXXX Senior Specialist, Corporate Consumer Relations about my concern and spoke to her. Subsequently, XXXX  and XXXX, and Experian took XXXX out of my credit report. XXXX XXXX XXXX  have deleted XXXX  XXXX XXXX from my credit report. 

I went to the source of the issue, XXXX, and I was able to get it resolved with them they removed the negative information from my credit file. XXXX, subsequently sold incorrect information about me to XXXX  XXXX XXXX before they removed my information from their database which is the cause of my nightmare. If I had spoken to XXXX from XXXX prior to them selling an incorrect file to XXXX  XXXX XXXX, I would not have XXXX XXXX  XXXX showing in my credit 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 2019-06-14
Company: Resurgent Capital Services L.P.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i notified this company this this was an account opened because of identity theft, and they wont respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
multiple times since XXXX of 2016 I have disputed full debts charged to my card, which were not placed in or anywhere near my location ( 600mi away ). The card was racked up twice to its limit, account is double the limit because XXXX/comenity refuses to acknowledge that the debt is fraudulent. they refuse to report the account as closed, let me deal with a 3rd party collector, or fairly dispute the account. I have on time payment until this timeframe. the debt isnt mine, I have had other cards closed and deleted for less, but this bugger wont follow the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/XXXX, I went to Citizens Bank to make a {$310.00} withdrawal. The teller told me I was preapproved for a credit card but I declined the card repeatedly and told the teller I just want to get my money and leave. While there, I also realized that I didn't update my address. I told the teller my new address and then asked for my money. When I was trying to sign for my money and leave, I realized that I was signing up for a credit card because the statement read, " I authorize signing up for this credit card ''. I told the teller that I know how to read and it was dishonest of them to try to make me sign up for a credit card when all I want is my money. I refused to sign and told them I was only going to sign for my money, I signed for my money and left. A few days later I noticed on my mobile app that I had a new credit card on my line. I called the citizens bank toll free number and talked to a representative that said that the card was created the same day I went to the bank. ( I thought it was a fraud transaction but it ended up being that teller ). I also found out that the teller didn't change my address as I asked them to. The representative told me a credit card was coming to my old address. I told the representative to cancel the card and send a new card to my new address and I asked them to change my address. They changed the address and sent me a new card to that address. When I got the credit card, I realized it isn't even a type of credit card that I would want. Since then, I've talked to Citizens bank and they are working to change the type of credit card since removing the credit card completely would negatively impact my credit score but I think it is despicable to open a credit card without someone's authorization. If you check, I never signed for the credit card. You can not issue someone a credit card without their permission and without their signature. The employee engaged in fraudulent behavior just to get some sort of commission and I think that's unfair. Citizens bank has stood with the employee and everyone I talked to is calling this an accident or an oversight but I know this is deliberate. XXXX CITIZENS BANK. YOU CAN'T TREAT YOU CUSTOMERS LIKE THIS. I WANT AN APOLOGY FROM THE EMPLOYEE AND I ALSO PLAN ON CLOSING MY ACCOUNT. PLEASE DO SOMETHING TO CURB THIS UNFAIR PRACTICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
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 XXXX XXXX I found many accounts open under my name the report and the accounts I listed they are fraud I never open this is identity theft.

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 2018-10-23
Company: WELLS FARGO & COMPANY
State: CT
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:
I filed a CH XXXX Bankruptcy in XX/XX/2011. My mortgage was included in the filing and was also listed as a creditor in my XXXX XXXX from the Trustee. The mortgage, through Wells Fargo, is listed on my XXXX Credit report as a foreclosure which is not accurate. The debt was not reaffirmed after discharge. I have contacted XXXX two times for a dispute and Wells Fargo has continued to report the information incorrectly. This is impacting my credit rating and I would like the account removed. The Bankruptcy has already fallen off the report so the foreclosure make my XXXX score approximately XXXX points lower than the other Credit Bureaus.

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 2021-10-12
Company: Experian Information Solutions Inc.
State: NJ
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:
This is the second CFPB complaint that i am filing about account ( XXXX XXXX  XXXX XXXX ) on XX/XX/XXXX i filed the first complaint stating that On XX/XX/XXXX i sent a hippa letter to experian credit Bureau on XX/XX/XXXX they sent me an notification on experian.com stating that they have updated the app but nothing was changed.. After that i followed up with another dispute that was sent out on XX/XX/XXXX stating that experian was reporting a Date of last activity as XX/XX/XXXX with a account status showing as closed and XXXX was reporting a date of last activity as XX/XX/XXXX with a account status as open. And if all this information suppose to be coming from the same creditor how is the information thats being reported are all different. I received an email on XX/XX/XXXX stating that the information was updated but nothing was changed..On XX/XX/XXXX i Sent a dispute stating that the account was closed and put into collections on XX/XX/XXXX but the status of the collection has been reporting collection every month and according to the FCRA thats illegal and it alters the dola date. After sending this first complaint the company sent a message stating that they were gone to investigate it on XX/XX/XXXX they were still supposedly working on it.. Then on XX/XX/XXXX I received a email stating that the dispute was finished and updated but when i went to check the results absolutely nothing has been changed its the exact same way and reporting the same info as before the dispute

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 2019-06-14
Company: EQUIFAX, INC.
State: CO
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:
Equifax and XXXX   are incorrectly reporting me as an Authorized User on XXXX/XXXX  partial account number ****XXXX. ( Please see pages 3 and 4 of the attached credit report. ) I called and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is  harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: CITIBANK, N.A.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My XXXX credit report shows an alert : NEW ACCOUNTDate:XX/XX/2018 XXXX XXXX XXXX Type of Industry : Miscellaneous Banks Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX  SD XXXX Phone Number : ( undefined ) undefined I do not have an account with The XXXX XXXX. 
I have tried numerous times to have this corrected with no success.

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 2018-10-23
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Without my authorization, Navient student loan servicing along with their contracted collection agency XXXX XXXX XXXX attempted a cash advance in the amount over 5,000.00 from my credit card. 

One week ago, I had authorized a one time credit card purchase in that same amount. It was declined by my credit card company because Navient/XXXX  was attempting a cash advance. I would have incurred significant cash advance fees along with a much higher interest rate for cash advance transaction. I refused the cash advance and my credit card company acknowledged. 

Without my authorization, on week later Navient/XXXX submitted a cash advance in the same amount which my credit card company flagged as fraud. Now, I must have my credit card changed out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have disputed the late payments on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts for months. Transunion refused to reverse the late payment.. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

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 2020-06-30
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In the month of XXXX, I called the creditor XXXX to request a proof of balance, a contract that would make me liable for the debt, and as well as a 1099 for the balance. This was asked to get validation of the debt they claimed I owed them. In regards to the information I requested, they were unable to provide with any documentation I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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:
The attached letter explains the problems that I am having with the 3 major Credit Bureaus, TransUnion, XXXX, and XXXX. There are so many unauthorized credit inquiries. I am worried that I have contacted these companies fearing that I can be a victim of identity theft and nothing has been done to protect my privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-28
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Starting on the XXXX of XX/XX/2019, I fell victim to fraudulent Crypto Currency companies named XXXX ( the Companies ).  Money was transferred from my account to the Companies via credit card for a total amount of XXXX GBP utilizing Coinbase services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Around XXXX and XXXX and XXXX of XXXX, I sent a package to XXXX and XXXX and Equifax indicating that this account wasn't mine and the Attorney who is Representing XXXX XXXX is Lying about the amount that is claiming to be owed. I never received a response about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Experian Information Solutions Inc.
State: AR
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: Problem getting your free annual credit report

Complaint:
On XX/XX/XXXX, my husband attempted to obtain his free annual credit report from the website, XXXX, prior to applying for a car loan at our local bank. After submitting all his personal credit information, at the end of the process, he was informed that the reporting agency " could not provide a credit report at this time '', although the BANK had no problem obtaining his credit report, which he was not allowed to view, but he did find out that it contained inaccurate information and lower credit score that resulted in requiring him to get a co-signer and pay higher interest on the car loan. Today, ( XX/XX/XXXX ) when I went online to apply for social security retirement benefits, my application was " rejected due to reporting from XXXX '' so that SSA could not " verify '' my existence in order to process my application ; so I went online for MY free annual credit report, and, after supplying all my personal credit information, I was informed that the reporting agency " could not provide a credit report at this time. '' Because we have been in a bitter dispute with XXXX/XXXX/XXXX over their theft of our home on XXXX - which they reported to the credit reporting agencies as " REPOSESSED '' 5 years ago, when it was actually still IN DISPUTE in Federal Court, getting ready to go to Jury trial in a few months, & they have been informed that I've had to fire our attorney and prepare to represent ourselves Pro-Se in our dispute against them, I think they are using their financial power and control over the credit reporting agencies in order to harass and get us to throw in the towel and give up.

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 2019-06-17
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Have written to XXXX, Equifax and XXXX 3 times in regards to XXXX   XXXX ( as well as several other issues on my credit report ). XXXX  took over 2 months to reply. Have not received much communication from Equifax nor XXXX. IN regards to XXXX, above, this item was PAID, CLOSED and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT CLOSED AND PAID. I would request this be DELETED from my credit report as it is INACCURATE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
This is on my HELOC dated XX/XX/XXXX, When mortgage crisis hit we had to refi, our first, ( this was before programs were available ) Husband lost his job in XX/XX/XXXX, did receive help from Keep Your California. My husband then became ill in XX/XX/XXXX, with XXXX XXXX. Applied for modification with Ocwen ( org. loan done by XXXX XXXX of the companies that was bailout by taxpayer money ) XX/XX/XXXX Ocwen granted modification on the first extended terms to 40 yrs but said could afford the HELOC as it was interest only at the time, pmt XXXX a month. House was upside down at this point. Tried again in XX/XX/XXXX for help with a modification On The HELOC after my husband died, claiming loss of income and hardship, was denied, said could afford pmt, house still upside down. In XX/XX/XXXX tried again after I was told in may of XX/XX/XXXX my pmt would be principal and interest, letter came in XX/XX/XXXX. I called to ask what the pmt would, and i was told I would get that info. in XX/XX/XXXX. Pmt went to XXXX a month 5 yrs to pay, submitted another modification, denied third time, now they said I had equity and to sell it. Hired an attorney to submitt another modification denied fourth time, said my house was worth XXXX I owed XXXX 1st and 2nd. Had an apprasial done came back at XXXX, dismissed the apprasial and they said it ; s worth XXXX said to sell it. Attorney said they are playing hardball. At this point I am going through my savings to pay the HELOC, getting close to not being able to afford the pmt so I reached out to Ocwen. I have tried to refi, don't make enough money because of hardship, I do not qualify for Harp because of there guidelines, and HUD counselors haven't been able to help. Thank You for your time

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