BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-29
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After pulling all 3 of my credit reports, I 've notice a collection debt from National Credit Systems INC after my own research for an apartment complex that do not exist said XXXX XXXX is called XXXX XXXX XXXX pertaining an invalid account number and amount that is not mine, I do not have a contract with them and do not owe this company. This falls under inaccurate/false reporting and must be DELETED FROM ALL 3 CREDIT BUREAU 'S IMMEDIATELY and due to law passed effective XXXX XXXX, 2017 no  judgments are to be reported on neither 3 credit bureau 's. This is illegal again I do not owe this debt that the National Credit Systems has reported and it is not mine. I request that NATIONAL CREDIT SYSTEMS INC IMMEDIATELY FROM ALL 3 CREDIT BUREAU 'S WHICH IS XXXX, XXXX AND XXXX. I 'M APPAULED THAT COLLECTION AGENCY CAN REPORT ANYTHING/AMOUNT ON YOUR CREDIT AND RESPOND TO THE CREDIT BUREAU 'S AFTER DISPUTE THAT IT IS ACCUARTE IMFORMATION, OWED INACCURACY MUST BE DELETED BY LAW!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: Experian Information Solutions Inc.
State: ND
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/2019, I sent a letter to Experian requesting validation of a debt. Despite numerous attempts, they have failed to comply with my request. Their first response was for me to contact the company reporting the information to my credit report. XX/XX/2019, I sent a second letter to Experian requesting that they validate an entry that is listed on my credit report and they have failed to do so in accordance with the Fair Credit Reporting Act. Experian has not provided any documentation as to how they validated that the debt is in fact mine. I received a letter from them dated XX/XX/2019, stating that they have completed their investigation and they have contacted the company reporting the information I'm requesting validation on and instructed them to verify the information in question. Experian 's response is not in line with the Fair Credit Reporting Act which states that a credit reporting agency is to provide validation of debt upon the consumer 's request. According to the Fair Credit Reporting Act validation in a copy of the original signed contract or document signed by the consumer. Experian have failed to provide such validation.

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 2018-09-14
Company: SYNCHRONY FINANCIAL
State: FL
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:
HELLO, MY NAME IS XXXX XXXX. I AM A XXXX YEAR OLD SINGLE MOTHER OF XXXX. DURING THE YEARS OF XX/XX/XXXX ; I AM/WAS HOMELESS WITH MY XXXX KIDS AFTER THEIR FATHER WALKED OUT. DURING THESE TIMES I HAVE BEEN IN AND OUT OF XXXX SHELTERS. BACK IN XXXX OF XXXX ; MY PURSE, SOCIAL SECURITY CARDS, AND OTHER PERSONAL INFORMATION WAS STOLEN. THE WOMAN THAT I SUSPECT IS XXXX XXXX ; BUT, THAT IS ALL THE INFORMATION THAT I HAVE ON HER. I HAVE TRIED MANY TIMES TO GET THESE INQUIRES REMOVED AS I DID NOT AUTHORIZED THEM, AND I AM NOT SEEKING CREDIT. I HAVE CONTACTED XXXX  AND THIS COMPANY PERSONALLY, AND THE COMPANY STATES THEY CAN NOT FIND ME IN THEIR SYSTEM, I SENT OVER SCREEN SHOTS ON THE INQUIRY AND THEY REFUSE TO DELETE STATING I DON'T HAVE AN ACCOUNT WITH THEM. I CONTACTED XXXX   AND THEY SAY I NEED PROVE THAT THE ACCOUNT IS NOT MINE AND A STATEMENT FROM THIS COMPANY ; WHICH IS NOT POSSIBLE DUE TO THE COMPANY HAVING NO RECORD OF ME. I EXPLAINED THIS ISSUE TO XXXX AND XXXX AND THEY BOTH DELETED THE INQUIRY, BUT XXXX  IS REFUSING. MAY YOU PLEASE HAVE THEM DELETE THIS INQUIRY AS IT IS NOT AUTHORIZED BY ME. I AM XXXX  AT THIS MOMENT, AND A NOT SEARCHING FOR ANY NEW CREDIT OR LOANS. I HAVE NO KNOWLEDGE OF WHAT OR WHO " XXXX ''. THE ONLY ACCOUNT THEY CLAIM TO HAVE THAT MATCHES MY SOCIAL SECURITY NUMBER IS FROM XX/XX/XXXX. 

THANK YOU,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I moved out of XXXX XXXX XXXX XXXX  XXXX XXXX Florida on XX/XX/2020. I have tried twice to change my address to my new address but both requests were denied citing I have to provide a request in writing to manage my account. Its the end of the month and this error could be the reason of fraud. I shouldnt have to send a letter when I move. Thats absurd when I have a XXXX XXXX and its imperative the correct address is reflected when Im trying to conduct XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received 3 different medical debts or XXXX debts that I have no knowledge of. These debts are from time and areas I can prove I was not in at the time of debt. I lived in XXXX Texas in XXXX, XXXX Oklahoma XXXX & XXXX, and XXXX XXXX Louisiana in XXXX till now. These are fraudulent debts in my name and I can most certainly prove in court of law my whereabouts and can you encourage the owner of these debts to allow me to prove these facts. Every debt I have knowledge of I have either paid or worked out in settlements and if I had knowledge of these I would do the same. These are not my debts, these are fraudulent debts in my name and if not removed I want to go to court as soon as possible which is the only fair option. Let me prove this is not me nor my debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: PRESTIGE FINANCIAL SERVICES INC
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I receive more than 3 calls texts messages and emails everyday. They know I am having trouble with my employers banks check clearing. They transferred banks and my bank will not release the funds until the check has cleared the other bank do to the holidays, that is taking extra days unfortunately. I am 1,000 away from home on an emergency family trip and I am getting harassing phone calls telling me know matter where I am that my phone will always work and I am to take there phone calls NO matter what the circumstance or respond to their text messages even if I do not receive them. I am told I need to resolve the problem immediately to Secure my loan. I am only 30 days behind and if they give me to XXXX XXXX which is 3 days I will make the payment. These calls texts and messages have been ongoing for almost a month now. Every time I get a new loan counselor or supervisor there is never anyone the same. They are ruse threatening and unprofessional for a debt collection business they use terms and words to scare you into doing what they want not what you can do and provide a solution for the problem. Wishing me Good luck at the end of a voice mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There are three public records that appear on my TransUnion credit report. 

One for {$15000.00} for XXXX County Superior Court, which is reporting a balance. This was also remedied under a IRS program. The amount has been satisfied and should not appear on my credit. 

The two items listed under XXXX Magistrate for {$4200.00} and {$5300.00} DO NOT BELONG to me, and should be removed from my profile.

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 2021-05-06
Company: JFQ Lending, LLC
State: VA
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:
JFQ Lending provided my XXXX credit score dated XXXX XX/XX/2021 on or about XXXX XX/XX/2021. The letter provided by JFQ lending was XXXX points but yet the score generated by XXXX on XXXX XX/XX/2021 was XXXX points. 

I questioned the difference to JFQ Lending and they explained that the type of report such as a mortgage report will vary from a consumer report but not by much and since my score exceeded XXXX points, I was afforded the best rates. 

The JFQ key factors sighted in the JFQ report " Balanced owed on revolving accounts is to high '' and " Amount owed on Accounts is too high '' is inconsistent with my consumer reports credit report which indicates that credit used " {$1800.00} '' of the " {$53000.00} '' represents only 4 % of my available revolving credit and placed my credit score as exceptional vice JFQs report of very good. 

While I agree that the variation did not affect my interest rate based on a score above 740, this is not the case for many other consumers similar to me who have a 40 point lower consumer score of XXXX vice XXXX which could put their JFQ mortgage score at below 740 points. 

The disparity point difference between the two seems excessive with out clear explanation. XXXX membership did not agree with the disparity. XXXX case # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
mortgage payment does not show updated or current all 2 bureaus do not update the status but are quick to report when late!

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 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$97.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$360.00} XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX ( Original XXXX : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$620.00} Medical XXXX Balance : {$130.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX ( Original Creditor : SXXXX XXXX XXXX XXXX ) XXXX XXXX : {$940.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2018-07-02
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/XXXX I tried to apply for a credit card I was told equifax showed no info one me. Loged into credit monitoring XXXX XXXX   and other shows they have not updated my credit after XX/XX/18 I have called them many times and sent the social card and I'd as asked .... they keep telling me they can't not find my information ... .. Today is XX/XX/18 still being told the same thing

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
My COINBASE account was on " temporarily disabled " on XX/XX/2017 with the message " Sorry, account temporarily disabled. " Please contact support. I emailed immediately to have the issue resolved and had a follow up email the same day letting me know it was in process. For the next 3 months i had emailed them back and forth trying to get access to my money and account always receiving the same generated email providing steps for account recovery that didn't work. I called many times only to wait on hold for multiple hours and on the few occasions that the phone was answered they were quick to hang up on me. I am still locked out, my account has devalued tremendously and I can't get the little that remains. I know many have had the same issue. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: First Associates Loan Servicing LLC
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a loan with First Associates from back in XX/XX/2013 but I never took the course. I tried with no avail over the years to get it resolved and they are unwilling to resolve it. I am in the process of trying to purchase a home and I keep getting denied because it says I am late every month in the amount of {$3000.00} and that is in collections. It also says that a {$33.00} payment is due a month but when I contacted First Associates they stated that the loan had reached its maturity date so there was no payment due. The loan can not be in collections and late every month they need to fix this issue or I will file a lawsuit to get it resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I had issues with US Bank on a recently closed escrow where I asked for impound accounts and they didnt to and charge me more money

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Police report made regarding XXXX XXXX XXXX also in correspondance with XXXX XXXX. Fraudulent reporting. Needs to be removed from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I called XXXX XXXX XXXX to get service, i was told it would be a soft inquiry to get the service. Not only that, but I was signed up for the entirely wrong product, i have been calling XXXX XXXX XXXX and no one can find my account number to offer me any help. After calling over 25 times, stepping in to a brick and mortar store they did let me know that i was NOT signed up for the service i requested, instead the CSR i dealt with that night signed me up for whatever he wanted to sign me up for. They have told me since to refuse the package that was sent to my property which i have already done. The XXXX router which apparently that CSR signed me up for apparently is still activated which the brick and mortar XXXX XXXX XXXX store told me and they have no idea why it's still activated but it should have been already canceled. No one has been able to help me regarding the 2 inquiries i now have on my Equifax report from XXXX and XXXX XXXX XXXX even after i was signed up for the wrong product, and returned whatever product they sent in the package. I don't have any luck getting anyone to help me with this on the phone or inside a store. They did not spell my name correctly on the paperwork, let alone my email. They have supplied me with a link to put in my information for wrong inquiries placed on reports but it has been weeks with no answer, i need help on getting this resolved from the corresponding forces.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Tried to reach Bank of America but put on long hold. Im receiving statements which are mailed significantly after the billing cycle ends which gives me little time to make the payments on time. Recent example : the statement date was XX/XX/XXXX but bill was postmarked XX/XX/XXXX. I received the bill on XX/XX/XXXX and the due date is XX/XX/XXXX. This gives me 2 days to get the bill paid!

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 2020-08-25
Company: EQUIFAX, INC.
State: AL
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 have told XXXX and Equifax I do not owe a collection on my credit report and it is fraudulent account and I have called and they took it off, but it appears again on my report weeks later and I also have written the 2 credit bureaus and collection agency for validation of the debt and it has been past 30 days and it is still on my credit reports and have asked for proof from creditor and collection agency and have not gotten any results.the company is 12 XXXX XXXXXXXX using a collection company name XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A few months ago I noticed an email that was directed to my Spam account titled Your statement is now available online from CitiBank. Because I do I have a Citibank Card and it was automatically routed to my spam inbox I did not worry about. I then noticed at {$35.00} charge on my checking account concerning this card. When I called the company I explained to them that I did not have the card. I was asked to spell my name and it was then noted that my name on the account is spelled incorrectly. Citi Bank kept asking me for the card # since I do not have this information I can not provide it. They did close the account however they are showing a balance 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 2021-02-14
Company: HW Holding, Inc
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am repeatedly receiving phone calls at XXXX XXXX and XXXXXXXX XXXX from Hunter Warfield , Inc for a debt from XXXX XXXX XXXX XXXX XXXX XXXX for {$6200.00}. The account and debt is not my account or debt, and is the result of identity theft. Hunter Warfield Representatives is steady calling me, annoying and harassing me, using abusive, profane and vulgar language against me and threatening me with violence and death for an and debt thats not my account or debt. I am a victim of identity theft. Hunter Warfield has me in fear of losing my life. They have frightened me with their illegal, unethical and unlawful business practices.

Company response to consumer: Closed with explanation