BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-14
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
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:
one main financial & XXXX XXXX dont match. photos attached one main -- last payment XX/XX/XXXX trade line shows XX/XX/XXXX account closed XX/XX/XXXX XXXX XXXX got collections XX/XX/XXXX why long wait from one main to XXXX? 
re-aging on both parties? 

2 credit shows open, one shows closed and not in collections which is correct

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-25
Company: AFNI INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
collection company is now the 5th company that XXXX XXXX as given this account to ALTHOUGH this account had previously been pulled and resolved through XXXX XXXX CUSTOMER SUPPORT. This account should not be with ANY COLLECTION AGENCY per XXXX XXXX XXXX. This account was proven to not have had the cell service that was promised and for the 7 months that I had sprint I only had usable service for 2. I had to call every month and received responses every month that they were working on the issue and they ( XXXX ) acknowledged every month that cell service was and had been down in my area and they were working on it. it never got resolved and I had no choice then to get reliable service due to my medical condition. XXXX PULLED THIS ACCOUNT AND WAS TO BE DELETED MONTHS AGO.. This is now the 5th company that is trying to collect on something that the executive office at XXXX XXXX XXXX balanced due to my previous complaint to the CFPB and to the FCC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
On XX/XX/2019 I got a hard Inquiry from XXXX through Experian. I had called both company 's asking them to show me something I signed or or authorized. Because I knew this was fraud and not authorized by me. 

XXXX said it should be removed off my credit file but according to creditwise.com it is still there. 

I have no account with them and I never applied for any account. 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 2019-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Transunion is reporting an incorrect coding of the XXXX XXXX partial account number XXXX. This account actually needs to be coded as an M1. ( Please see page 9 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2020-02-21
Company: Southwest Credit Systems, L.P.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2020 I was informed by my real estate agent that there was a collection on my credit report that resulted in me being considered a risky tenant and that I would now need a guarantor due to the impact of this collection on my credit report. On XX/XX/2020 I contacted XXXX to file a dispute and reached out to Southwest Credit Systems to investigate the alleged account further. The account was listed as being opened XX/XX/2020 and was in collection for 30 days for the original amount of {$26.00} and was now at {$33.00}. However, I was never contacted by the company about the alleged account. When I called Southwest Credit Systems I was not notified of my rights, but they asked for personal information to retrieve the account, which they were unable to locate. I gave them identifying information that they should have had on file, yet they could not find the alleged account that was showing on my credit report and now costing me unnecessary hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX and Experian are reporting an incorrect coding of the XXXX XXXX partial account number XXXX****. This account actually needs to be coded as an M1. ( Please see page 9 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2020-09-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am writing to dispute multiple fraudulent accounts on my report. I am a victim of identity theft, and I did not make or authorize these charges. I am requesting that these accounts be removed, that any finance and 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 ).

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 2019-05-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I have XXXX USD in form of International money order, issued by XXXX XXXX XXXX XXXX, ( copy of the first and the last cheque attached ) I send some of the Cheques for collection, ( through my bank account ) part has been collected, Two returned refer to maker, and two returned counterfeit. 
I can not understand, the cheques are in a cerial numbers means started from XXXX ended in XXXX ( 500 cheques x XXXX USD = XXXX, the second group started XXXX ended XXXX ( 500 cheques x XXXX USD  = XXXX USD  ), of course I have to pay the fees of the returned cheques to my bank. 
What will happen if I send all the cheques for collection. and what shall I do, and who is the maker I have to refer to?

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 2020-06-05
Company: GOLDMAN SACHS BANK USA
State: PA
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: Card was charged for something you did not purchase with the card

Complaint:
Two charges were made to my account. None were authorized by me. Contacted multiple times to different departments and the bank. Nothing was done. Slap in the face. Im not paying for something I never bought or received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2019-05-14
Company: I.Q. DATA INTERNATIONAL, INC.
State: DE
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 involves XXXX  credit bureau and the furnisher : IQ Data International who are providing knowingly incorrect information on my credit file and XXXX refuse to remove it even though proof was provided. IQ Data claim that an amount is owed from a apartment company by the name of XXXX XXXX XXXX XXXX XXXX, TX in the sum of {$3300.00}. I have a court document stating otherwise. This court document states due to two defaults where the XXXX ( XXXX XXXX ), refused to attend the jury trial court proceedings. A ruling was made on the second trial of not only another default issued against XXXX XXXX, but a decision was made that no monies was owed from said Defendant ( XXXX XXXX ) to the said Plaintiff ( XXXX XXXX ). The supporting documents were faxed to IQ Data International XX/XX/2019, poof being provided by a fax confirmation. Having this evidence in possession, IQ Data still refused to acknowledge the documents and continue to report the facts and stop reporting this inaccuracy. The acting manager on this file representing XXXX XXXX name is XXXX XXXX. The same documents were faxed to XXXX  on XX/XX/2019, prior to 3 previous disputes that were filed on this same matter. XXXX and XXXX deleted the file immediately after proof was given, not XXXX!!!! Both are illegally falsifying the debt on my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: Debt Recovery Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To Whom It May Concern This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where the following companies are in compliance with OHIO LAW. The following account are still unverified : DEBT RECOVERY SOLUTIONS Balance {$750.00}, {$510.00}. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts If you do not remove this items in a timely matter I will file a law suit under section 617 under the color of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a letter stating I had an account ending in XXXX with U.S. Bank ReliaCard. I do not have and did not open this account. The letter stated the transaction limits were changed.

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 2020-02-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have recently applied for a home equity line of credit from Wells Fargo with the intention of putting a small addition on my house. I have banked with Wells Fargo for about 10 years and use their internet portal to manage my accounts. This service provides a real time credit score. For me this number is XXXX ( screen shot included ). This number lured me into a false belief that I had excellent near perfect credit. Based on this number I applied for a loan with Wells Fargo with high confidence. After applying for the loan I learned 2 things. First, Wells Fargo does not use the number they show you to rate your credit on loan applications ( bait and switch ). Second, I had a small problem with my credit, an unpaid portion of a medical bill ( XXXX $ ) that was in collections and had knocked my real credit score down to XXXX a 139 point delta against me. If Wells Fargo had been showing me an accurate number I would have suspected a problem and been able to correct it. Instead Wells Fargo has been showing me an elevated number and I applied for a loan with false confidence that will now cost more because of a higher interested rate based on my lower credit score. Wells Fargo is acting in bad faith.

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 2020-02-21
Company: Cottonwood Financial Ltd.
State: KY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company XXXX XXXX called my number asking for my wife. 

XXXX associate says his name is XXXX XXXX - phone # XXXX I tried to call this number back and a recording says it's a non working number. 

He gave me a case # XXXX Says it is a Formal Complaint originated XX/XX/2014 and did not want my wife to miss her court date. 

Proclaims she got a loan from the The Cash Store. 
Originated XX/XX/2014 Debt proclaimed owed= {$1000.00} My wife nor I have never requested a pay day loan. 
He said that the birthdays do not match and the social did not match. I only gave the last 4 of my wife 's social. 
He said the complaint was for XXXX XXXX at our correct address, but birthday and social did not match and he would clear it up. This was the end of the conversation I am worried this is a scam and I gave to much information. My wife also received a similar call last week.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, I have been disputing an XXXX XXXX account, acct number XXXX for a while. The credit agencies will not allow me to dispute even though this account is incorrect. I sent a dispute to the creditor and they were not able to prove that this account was mine. They sent me back a bill, which by law does not equate to proof. They have NOTHING with my signature. I sent this to the credit bureaus and they disregarded the info. They have sold the account and the creditor and agencies will not remove. This information is inaccurate and costing me. This debt HAS NOT been properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: CITIBANK, N.A.
State: SC
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:
2 major issues.

1. I opened a number of XXXX XXXX card with Citi for promotional offers, I met the terms and the bonus miles were in my XXXX account. XXXX XXXX closed my account because they said citi paid out too many bonus. 

2. Some of the benefits of my citi executive mastercard which has a {$450.00} fee are free checked baggage and access to admirals club lounges. None of these benefits are being honored due to the XXXX XXXX account being closed I attempted multiple times to have citi either correct the issue to honor the benefits or close my a citi executive account ending in XXXX and refund {$450.00} annual fee. 

They just keep telling me to call XXXX XXXX This doesn't even address the hundreds of thousands of miles I lost with XXXX XXXX due to citi

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 2018-01-24
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have been trying to get fraudulent charges of XXXX reimbursed and back into my account ASAP. 
Here is the background- XX/XX/XXXX FRAUD DETECTED AND THE FRAUD DEPT CALLED ME AND I CONFIRMED FRAUD AND THE DEBIT CARD WAS TO BE DISABLED. XXXX online transactions for a total of $ XXXX XX/XX/XXXX MET WITH BANK MANAGER AND SIGNED A NOTARIZED DOCUMENT STATING FRAUD. AGAIN ASSUMED CARD WAS DISABLED. 
XX/XX/XXXX. LOOKED ON MY ACCOUNT XXXX AND ADDITIONAL XXXX TRANSACTIONS HAD BEEN AUTHORIZED OUT OF MY ACCOUNT. ON XX/XX/XXXX AND XX/XX/XXXX. 
TEXTED BANK MANAGER AND HE SAID HE WOULD HANDLE FIRST THING IN THE MORNING. 
MONDAY XX/XX/XXXX I CALLED BANK MANAGER AT XXXX HE SAID HE WAS BUSY AT THE MOMENT AND WOULD GET RIGHT BACK TO ME. HE ALSO TEXTED ME THAT HE WOULD GET A NEW DOCUMENT FOR ME TO SIGN TO STATE NEW CHARGES WERE FRAUD BY END OF DAY. STILL HAVE YET TO RECEIVE I HAD NOT HEARD BACK FROM XXXX SO I CALLED AGAIN AT XXXX AND AND XXXX. HE TEXTED ME SAYING HE WAS WITH A CLIENT. 

I THEN CALLED THE CALL CENTER AND SPOKE TO XXXX. SHE CONTACTED XXXX AND SAID HE WAS WORKING ON IT AND WOULD GET BACK TO ME BY END OF DAY. 

XXXX XXXX ON MONDAY I GET A TEXT FROM BANK MANAGER ASKING IF I HAD TIME TO CHAT. 
AND THEN ANOTHER TEXT IMMED AFTER STATING HE WOULD GET BACK TO ME TODAY. 

IT IS NOW TUESDAY AT XXXX AND I HAVE NOT HEARD FROM YOU OR HIM AND XXXX IS STILL OUT OF MY ACCOUNT FOR 9 DAYS! 

LET ME ALSO TELL YOU THAT I MET WITH XXXX THE BANK MANAGER OF XXXX XXXX AND HE WAS INSTRUCTED TO DISABLE ALL DEBIT CARD WITHDRAWALS FROM THAT ACCOUNT. THAT WAS ON XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-14
Company: NAVY FEDERAL CREDIT UNION
State: AL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Money was sent to a Joint Navy Federal savings account in error by the United States Department of Veterans Affairs educational finance Department. By the time tracers came back and verified that my name was on the account that my money was sent to in error to this joint account the money was gone and could not be recovered in the amounts of {$93.00}, {$140.00}, {$180.00}. The Va submitted a ACH reclamation letter to the Navy Federal Credit Union ACH department and did not get a response as fas as information requested to recover the funds if they were not available from any other accounts from persons named on the joint account, or information for names on the account so that the va could send correspondence to the other individual on the account to repay the debt. I am now forced to act on civil litigation with the other individual on the account and do not know if there was any violation of my own privacy before and during all of this done by the other individual. I would like the federal credit union to comply with the Department of Veterans Affairs in retrieving the money in the amounts above and to have the bank contact the individual as requested by the VA to retrieve the information requested and help the Department of Veterans Affairs finish in recovery of the money deposited in error thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX ; Experian and XXXX are reporting incorrectly a balance due of {$7200.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was sold at auction and sold for more than what was owed and consequently there should be no outstanding balance due. This false reporting of a balance due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-02-21
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, I have been disputing an XXXX XXXX account for a while. The credit agencies will not allow me to dispute even though this account is incorrect. I sent a dispute to the creditor and they were not able to prove that this account was mine. They sent me back a bill, which by law does not equate to proof. They have NOTHING with my signature. I sent this to the credit bureaus and they disregarded the info. They have sold the account and the creditor and agencies will not remove. This information is inaccurate and costing me. This debt HAS NOT been properly verified.

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