BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-05
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: Old information reappears or never goes away

Complaint:
1. Reappearing fraudulent collection. The bureau previously, and repeatedly removed the collection item. Apparently, it has been sold to another collection agency. This new agency has reported the item unknowing that it was removed for fraud. 
The original item notes a date in 2015. I have been in XXXX for 25 years. 
Bureaus of the USA have no authority in XXXX. 
Bureaus of the USA can only report on USA credit cards which I hold, and on historic info. 

2. The bureau refuses to assist me via telephone, or to give me a copy of the report bearing my name, because one of its agents deleted my USA mail address. 
This even though I am a registered electronic user of the bureau. They refuse to re-enter the address.. repeated here.. 

XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, Texas XXXX Additional address for reference : XXXX XXXX XXXX, XXXX, Mn 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 2021-11-15
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: Account status incorrect

Complaint:
Delinquency reported XX/XX/2020 XX/XX/2020 and XX/XX/2020 by XXXX mortgage I was affected by COVID-XX/XX/XXXX I was with another mortgage at that time. They put my in a FB Plan which was designed to protect me from credit impact. They placed me on a FB plan in XX/XX/XXXX but then transferred me too shellpoint on XX/XX/2020 while still in FB. Upon acquiring my mortgage XXXX proceeds to report me delinquent during this protection period. They were aware of the COVID FB bcse they were in direct contact with me too complete a modification due too missed payments. I was unaware of the reporting until I attempted too refinance my mortgage. I have contacted XXXX regarding this matter. My last conversation I had with them is that correction will be completed. Thats was 3 months ago.. I have missed out on opportunities for refinancing and taking advantage of these low rates. Please assist with getting them too updat the credit reporting with all 4 credit agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: Santander Consumer USA Holdings Inc.
State: NJ
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: Investigation took more than 30 days

Complaint:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted this agency through the credit bureaus. I 've made multiple requests for verification and validation of this debt. I have received neither. Also, the debt collector, IC System is not licensed and bonded to collect debt in the state of Florida. However, they have made multiple attempts by mail to collect on this debt. And are reporting negatively on all the major credit bureau reports.

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 2019-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I disputed 2 transactions with Bank of American both from XXXX XXXX XXXX for products not received. At the time I also requested that B of A place a stop payment for any further transactions. From XXXX XXXX XXXX. Both of the initial transactions were placed as follows. 

XX/XX/XXXX in the amount of {$99.00} XX/XX/XXXX in the amount of {$290.00} Both of these transactions were settled and the temporary credit was made permanent. 

On XX/XX/XXXX Bank of America allowed a recurring transaction to go through my account in the amount of {$290.00} from XXXX XXXX XXXX. 

I disputed this transaction on XX/XX/XXXX and the Representative confirmed that the initial agent did not follow my instructions to Revoke Authorization for XXXX XXXX XXXX to process recurring transactions. I was told I would receive a temporary credit by XX/XX/XXXX until the matter was resolved. 

I did not receive the credit and called to follow up on XX/XX/XXXX. Bank Of America has told me that the investigation can last until XX/XX/XXXX and they will not credit my account until the matter is resolved with the merchant. 

Bank of America holds a Fiduciary responsibility to me as an FDIC insured account holder and has not managed my funds as directed or responsibly. 

It is Bank of America 's responsibility to Refund the {$290.00} transaction that posted on XX/XX/XXXX as they failed to Revoke Authorization to process payments from XXXX XXXX XXXX as directed.

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 2017-06-15
Company: Real Time Group, Inc.
State: WI
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 had a mortgage that has been paid off/closed for a couple of years, yet one of the prior servicers  ( Real Time Resolutions ) is  reporting that my account is currently 60 days delinquent, AND that it was transferred to another company. This account was transferred to another company almost 3 years ago, and is no longer being serviced by  Real Time . I 've asked them repeatedly to report this correctly, or to delete it altogether, as it 's only reporting incorrectly to   XXXX    (  not the other reporting agencies  ).  This is causing problems with attempting to purchase a new home, and therefore I need this resolved quickly, as I 'm soon going to be homeless if this does n't get fixed. I keep getting the same information from them, they keep sending me a letter stating that the account was delinquent when it was transferred, but they will not fix the reporting of the account. This is the only thing holding up my new mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: The CBE Group, Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
i have several collections for services i never received or authorized. from the   XXXX   XXXX   XXXX   for {$830.00}, cbe group for {$6600.00}, {$1400.00}. also,   XXXX   XXXX   for {$130.00} and i never signed or authorized any of these charges. Also child support is showing {$8200.00} and i never went to court and proved any paternity or took any   XXXX   XXXX   to prove myn relations. would you please assist me in removing these unauthorized accounts. thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 Credit Bureaus never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this. 

Also, they have violated my rights even more In accordance with the XXXX XXXX XXXX Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if open date is inaccurate, the XXXX. of Months ( terms ) is inaccurate, date last reported is inaccurate, and date last active is inaccurate. TransUnion also re-aged my account. This is all grounds for removal.

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 2018-03-23
Company: Adler Wallach & Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
AWA debt collections are in the wrong. The fee continues to rise at XXXX  dollars. I don't owe them anything. I'm willing to pay XXXX if I need to. But it's postposterous to be owing a debt collector money and I have not made an agreement to owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Colony Brands, Inc.
State: PA
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:
I have a revolving account with Swiss Colony. I legally changed my name in XX/XX/2021. I used my revolving line of credit to place an order after contacting them to change my name and they were provided with my account number. Instead of charging my account, Swiss Colony pulled my credit and opened a new line of credit. 

XXXX XXXX I moved to a new address and placed an order for two items using my line of credit. Again Swiss Colony pulled my credit to open a new line instead of using the account which was provided. 

I contacted the company and was told when you place an order you are subject to a credit inquiry. However, my line of credit has been established for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I have the company credit card and received email that if I open a 360 money market account with the new money from other institutions and deposit {$50000.00} on the account and spend {$500.00} on the credit card and leave the money in the account for 90 days I will receive XXXX reward points. I opened the account on XX/XX/2019 deposited {$50.00} K  spent {$500.00} on credit card. I withdrew the {$50.00} k out of the account on XX/XX/2019 which is 125 days, I called so many times and for the past month they said wait longer when I called today the Representative said you did not leave the money long enough in the account it should have stayed there till mid XXXX to be qualify for the reward and she said there are some fine prints that explain this practice. to me it is obviously a false advertising and miss leading consumers and they think because they are big they can do any thing, it is wrong, wrong, wrong. 
Shame on them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
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: Was not notified of investigation status or results

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: Navient Solutions, LLC.
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: Information belongs to someone else

Complaint:
In   XX/XX/XXXX I  cosigned on a private student loan from  XXXX   XXXX   ( n ow  XXXX   XXXX  ) through  XXXX   XXXX   ( no w Navient ). It came to my attention when I pulled my credit report in  XX/XX/XXXX  that  XXXX  additional student loans through Navient were on my account for  XXXX   XXXX  that I had not cosgined for. I filled a claim with Navient 's fraud department around   XX/XX/XXXX , a nd also filed a police report with the  XXXX   XXXX  police department in Texas.  <P/> After a brief investigation, Navient 's fraud department let me know that they could not verify my claim as fraud, due to the fact that there had been an online acknowledgement through my email of  XXXX  of the loans. However, I let the Navient fraud department know that I lived with  XXXX   XXXX  during the time of the fraudulent activity, and she had access to using my computer and email. Navient 's fraud department did not take further action to try and resolve my fraud claim.  <P/> Navient Account  XXXX  Loans  XXXX  and  XXXX  were not signed for by me. As a result of the fraud and the adverse impact on my credit report, I would like all cosigned student loans from  XXXX   XXXX  removed from my credit report and for me to be released as a cosigner for  XXXX   XXXX  for all Loans with Navient.  <P/> Please see attached documentation including Police Report and Navient fraud claim submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: FIRST ADVANTAGE CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX and XXXX have taken background checks to suspend and remove my account on their sites. The information, felonies and misdimeanor, are not of my person. 
The charges are from a state I've never lived in and the XXXX would not have let me enlist if I were a convicted felon.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland  funding is reporting inaccurate information to my credit report.I have never had an account with this company.A dispute was sent by the credit bureau and came back verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In my last credit card statement, Citi claims that they told me that " in order for me to avoid paying interest, I need to pay the whole " New Balance '' amount ''. 

However, I checked the statement I downloaded and nowhere does it say that text " to avoid paying interest .... pay the whole balance ''. 

I only paid {$1000.00} for this last statement since I thought there was no interest that was going to be charged, even though the minimum payment on this card at the time was {$110.00} according to the statement balance. 

Summary : Citi still ended up charging me interest for the entire balance despite the fact that their statement document did not include this anywhere on my statement. I would have made a payment for the whole balance if I knew they were going to scam and try to charge me interest.

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 2021-11-15
Company: Diversified Adjustment Service, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Diversified Adjustment Service , Inc. at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX has been sending me collection notices in the amount of {$690.00}. The collection has been reported as past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I attempted to file a dispute with ARS Resolutions on  XXXX   XXXX ,  XXXX  based on a debt that was already paid. I requested validation from the company supporting it was unpaid and they were unable to provide documentation all they could provide was a invoice number and balance on  XXXX   XXXX . This is not validation. I submitted a letter to all  XXXX  bureaus showing the debt was paid as of  XXXX   XXXX   XXXX  but this company refuses to acknowledge the payment. I called  ARS  on  XXXX   XXXX  and they began to provide info on my doctor visit which they should not have as it is a violation of my HIPPA rights.     I am requesting this debt be removed immediately as I do not owe it.

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 2017-06-05
Company: DISCOVER BANK
State: UT
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:
Repeated denials for Discover bank cash checking account. The reason are stating   XXXX   XXXX   has something blocking an approval for their checking account.   XXXX   XXXX   customer service has stated their is no derogatory information and that I have a clear report. DISCOVER BANK stated to apply again and denied again for the same reason   XXXX   XXXX  . My risk from  XXXX  to  XXXX  is  XXXX , nearly a perfect score?! So something does n't make since in this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
hi transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. transunion has me at a score around 592. That is a huge difference. transunion paints me as a XXXX my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 10 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: SinglePoint GI
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Other family member, whom I do not reside with, an employer, who is no longer my employer and myself are getting calls constantly from General Revenue about my student loans. They don't ever send anything to in writing, just phone calls/voicemails. They claim they are a collection agency and are trying to collect a debt. I have filed for a forbearance and was approved back in XXXX well before the pandemic hit. Then the pandemic happened and that put a hold on all student loan payments. So I have the forbearance and student loan freeze both still intact yet General Revenue won't stop calling and harassing that I owe them and must make payments. They even insinuated that they could take legal action if I don't pay. They go as far as calling multiple times within a 24 hour period on my personal cell phone. My ex employer has repeatedly told them I don't work there and yet this company still calls her. All of my students loans show active, in good standing and on time. It does not show anything about being in collections. I also have never received any correspondence from the loan servicing company about sending my account to collections. They have only sent ways to help reduce my payments or offer relief once the freeze is lifted in XX/XX/XXXX. I need this harassment to stop!!!

Company response to consumer: Closed with explanation