BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-11
Company: Commonwealth Financial Systems, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Reference to Case number : XXXX Account Details Creditor Contact Commonwealth financial XXXX XXXX XXXX XXXX, PA XXXX Phone : ( XXXX ) XXXX Account Name COMNWLTH FIN Account Number XXXX Condition Derogatory Responsibility Individual Current Balance {$630.00} Original Balance {$630.00} Status XXXX Original Creditor Opened XXXX/XXXX/2016 Remarks Placed for collection Dear sir/madam few week back i submitted a compliant regarding the negative and fraudulent account COMMON WEALTH FINANCIAL noted on my credit report. But their response stated that they could not find the account on their data base. 
How did they report account that they do n't have on their data base? First i do n't own COMMON WEALTH FINANCIAL or any of their affiliates and this is a good reason to prove the account as a fraudulent one. Dear sir/madam, i want your office to look at the COMMON WEALTH FINANCIAL contact address on the above information from my credit report to confirm my compliant genuiness. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: Conduent Incorporated
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
The excluded workers government card was given to my family on XX/XX/XXXX by a stranger who accidentally received it in their mail. Since then weve noticed they spent all XXXX. We believe they copied the card info and used it to make purchases. We tried to contact the company but the android on the phone says the card number is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: Empowerment Ventures, LLC
State: FL
Product: Prepaid card
Sub-product: Government benefit payment card
Issue: Unauthorized transactions/trans. issues

Complaint:
on XXXX XXXX 2015 a hold for XXXX was placed on my account XXXX i called XXXX import and XXXX said it was a mistake they tried 3 times to fax a releash the rush card bank / XXXX said there fax is down after 3 to 5 days XXXX said my money will be releash by rush card rushcard said they dont follow any federal laws or banking laws its now 11 days and the holds have not been releashed they stole my money which is my XXXX payment rush card said call occ and federal banking comm they under none of them and can hold my money for 90 days if they choise to do so i need my money i called on the 10 th day they are telling me no funds will be releashed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-09
Company: CURO Intermediate Holdings
State: CA
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:
This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: Credit Management Control, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent credit management control a debt validation letter. I ask them for exactly what I wanted from them and they failed to provide me with the paperwork I needed. They didn't provide me with the original contract I signed. All they provide was a statement which is not enough proof. I ask that you delete this account. As a consumer, only I can validate a debt and this is not my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent all bureaus a dispute letter regarding my credit report. I believe it was a misuse of my credit report. this is very urgent, and I need them to look at 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 2017-03-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I settled with XXXX on several accounts last year. They are still reporting them as open collections. They agreed to accept a certain amount, I paid the amount they requested and they have not reflected that on my credit reports. They are still reporting as in collections instead of paid. They are the XXXX accounts stating in collections

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 2021-10-09
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
It has been over 9 weeks of trying to unfreeze my new savings and checking account, and Citibank refuses to help. 
They flagged my account for fraud and will not even tell me why. I gave them many forms of I.D . but they are demanding a utiliy bill and pay stub. Because I do not pay utility bills where I live ( It is a temporary rental until XX/XX/XXXX ) I can not give them my utility bill. Because I am on XXXX, I can not give them a paystub. I did give them my XXXX statement from social security with the same address, and my social security number on it. That is my paystub, but they won't accept it. 
This is now a civil rights issue, because I am being discriminated against for not having a regular paycheck, and only a XXXX statement. I also gave them bank and credit card statements from another bank with the same address on them, and my drivers license. 
My drivers license address was not changed yet because I am living in a temporary rental. But I did send them a copy of the lease for the temporary rental to show a physical address. And I called to change the address on my account to the temporary rental so it would match. 
I just signed a lease for a new rental on XX/XX/XXXX and I updated my drivers license to match my new XX/XX/XXXX address. I can send them this future lease and address-changed drivers license, but I can not even get a call back from XXXX XXXX XXXX Citibank 's executive response office. 
He seems to be purposefully unhelpful, and that is why this dispute is going on 10 weeks. 
I requested another person to call me, but no one called yet. 
All I did was trust Citibank by opening a savings and checking account, while being completely honest in my application. Trusting them costed me literally 50+ hours in disputing time, lots of stress, and my XXXX  scores have dropped over 100 points because they have my money locked up and I can not pay my bills. 

This is unfair. Please help me unlock my money so I can pay my bills. 

The only thing I could think of, as to why they would do this to an honest customer, is maybe they want to renegg on their promo offer? 
I opened the account on a promo offer to receive a bonus of {$1500.00}. 
Is this their way of keeping my money for months without having to pay the promo offer? 
Either way this needs to be resolved. 

Additionally, I have been a Citibank credit card customer for well over 10 years, with the same address on the credit card account. I also called to verify and activate the debit card they sent me for this new frozen account with no problem. So why would they mail a debit card to me to access the {$220000.00} on deposit, if they think I am a fraud? 
And why was my account status healthy when making deposits, and not healthy when I tried to access my money? None of this makes any sense.

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 2021-10-09
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: Their investigation did not fix an error on your report

Complaint:
Equifax will not make changes on my credit. My score has been the same for months, at least 40 points under XXXX. I have submitted a dispute for my XXXX  account. I made a total payment of {$970.00} in XXXX which paid my account up to date. No additional payments due untilXX/XX/2021. Equifax has my last payment as XX/XX/2021. They closed my original dispute and removed remarks from this creditor without a payment history update. I had to resubmit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: EQUIFAX, INC.
State: PA
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 sent letters to XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: Netspend Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/14 at XXXX, {$250.00} was debited from my Netspend prepaid card from XXXX XXXX XXXX XXXX . The authorized payment was approved with auth code XXXX. 

At XXXX, per my Netspend account details I was changed an {$250.00} from XXXX XXXX XXXX XXXX XXXX The payment was debited with auth code XXXX. 

That same day, I contacted both Netspend and XXXX XXXX in hopes of resolving the duplicate payment error. However, I was advised by XXXX XXXX they are only reporting one payment received from me. Even after providing the authorization codes and dates, I still havent received my {$250.00} back. 

I filed a debit card dispute with Netspend and I feel they did not do a thorough investigation per Regulation E. I also feel that both Netspend and XXXX XXXX are violating UDAAP regulations as it pertains to the lack of services received.

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 2015-08-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX account listed on my credit report with Experian and XXXX has been paid and closed since XXXX 2007. I would like this account removed from my credit report as it has been over 7 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Listed below are on my credit report : I am XXXX XXXX XXXX NOT XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$130.00} Amount {$130.00} Status Date XX/XX/XXXX Status UNPAID Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$300.00} Amount {$300.00} Status Date  XX/XX/XXXX Status UNPAID Case/Docket # XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Amount {$800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Ocwen got hit with unlawfully Sterling home in Texas so they bought Phh mortgage service and now me and my family have been fighting foreclosure for 8 Long years there accounting is wrong on my mortgage I am a XXXX Amerikaners War Vet long story

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Credit Acceptance place the loan in a temporary forbearance due to COVID. Once the forbearance period was over the creditor placed the entire past due amount on my credit report as of XX/XX/2021 which is {$4300.00} I would like to file a complaint against Credit Acceptance and request some type of payment agreement or place past due amount on the back end of my loan

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 2021-10-09
Company: FIRST NATIONAL BANK OF OMAHA
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
First National Bank of Omaha ( FNBO ) advertised a {$50.00} bonus within 15 days of opening a checking account. I have not received the bonus, 6 weeks after opening an account. In response to my questions about the delay, the bank has only said they are researching the matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 been disputing these inquiries with transunion for months the customer service wo n't help me I have unauthorized inquiries I need removed asap. I do n't know why these creditors are pulling numerous reports they are as follow .... 
XXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXX- XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX- XX/XX/XXXXXX/XX/XXXX XXXX XXXX-XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX.XX/XX/XXXX XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX. 1XX/XX/XXXX.XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXXXXXX-XX/XX/XXXX XXXX- XX/XX/XXXX XX/XX/XXXX All the above inquiries are not authorized by me XXXX XXXX I am requesting transunion remove these the creditact protects me from unauthorized inquiries please rem0ve them Sincerely XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
We have sent in two disputes to remove the inaccurate information from Experian with XXXX XXXX XXXX ; the information has not been removed. Please remove this negative information from my credit report.

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 2021-10-09
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter to the credit bureau regarding inaccurate & unknown items on my credit report. Until this day ( 42 days ) later, I have not gotten any reply from the credit bureau regarding my dispute. Section 611 ( a ) states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been 42 days so they should be deleted promptly. I demand that these items be deleted immediately or i will file litigation due to stress, frustration & denial of credit due to these inaccurate items on my credit report. My personal information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
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: Account information incorrect

Complaint:
I Disputed 6 late payments entries with all 3 credit bureaus XXXX, equifax and XXXX for XXXX XXXX XXXX after they failed to update my credit file. I had 6 late payments with XXXX XXXX XXXX due to losing my job during the pandemic. I reached out to XXXX XXXX XXXX and the XXXX XXXX XXXX and XXXX XXXX XXXX agreed to mark 5 of the 6 late payments to neutral for the 5 late payments for XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. The changes reflected in XX/XX/XXXX. On XX/XX/XXXX when I checked my credit it showed I had 19 late payments which is completely incorrect. This incorrect information dropped my credit score by 100 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XXXX reported that I had missed multiple payments on my student loans balance based on my income. In reality, I had made every payment on time. The problem was, when I was making my payments, they were applying my payments to one loan and not the sum of my loans. In turn this resulted in saying I was missing payments which greatly affected my credit score. I was at a XXXX and this XXXX mistake took my credit score to a XXXX. I have tried to reach a solution with their customer service department which resulted in no help at all. I am now stuck with horrible credit of a " missed payment '' when that isn't true at all. I'm XXXX and dealing with this and it's such a struggle.

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 2021-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Since XX/XX/2021 I have been disputing XXXX XXXX XXXX on my credit report and the ALL 3 BUREAUS have refused to open an investigation on my behalf. I have attached each letter of dispute for this account and no response from the bureaus. The Bureaus is in direct violation of the FCRA guidelines on conducting an investigation and it has been well passed the timeframe allowed to do so. I am now requesting permanent deletion. I keep excellent records and I do not want to have to file a civil suit against the bureaus with a Consumer Attorney for them being in violation of my consumer rights and them reporting inaccurate, erroneous information on my credit report. I have attached my Driver 's License and Utility Bill for proof of my identity. Please consider this my written authorization. 

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 2021-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
i got letter From the Court that i am being sue by Capital One bank that i dont know authorized. Its on the letter just show the amount over {$10000.00}. I log in to capital one bank to see what a transaction for but my account was closed. how can i reponsIble to amount money i am not recognized that or i never authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient would not contact me about my private loan, only my co-signer. Each time I would call they would indicated that I do not qualify for any modifications and that my address and contact number was incorrect. Navient charged off my loan XXXX 2016 without notice and has continued to contact my cosigner and not me, the primary borrower. They did not attempt to garnish my wages, manage any repayment possibilities or contact me.

Company response to consumer: Closed with explanation