BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-06
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:
I filed a dispute with Experian XX/XX/XXXX to dispute three accounts after checking my credit report. 

I do not recognize XXXX XXXX XXXX  as someone I owe and they have not been able to furnish a contract or a HIPAA agreement that gives the creditor permission to report to EXPERIAN or any credit reporting agencies, or that this debt was purchased by XXXX XXXX XXXX XXXX or that they are acting on their behalf through an assignment. 

With XXXX XXXX XXXX XXXX XXXX ( XXXX  ), the account is paid in full XX/XX/XXXX and they continued to mark the account as CHARGED-OFF XX/XX/XXXX and XX/XX/XXXX which is not only inaccurate but furthers the First Date of Deliquency to XX/XX/XXXX. So this debt has been re-aged. CDIA states that a CHARGE-OFF is an " unpaid balance reported as loss '' even though the account has been satisfied. 

XXXX XXXX reported after my dispute that the account on XX/XX/XXXX is also CHARGE-OFF which by the CDIA means that there is an " unpaid balance reported as a loss '' however the ccount was written off for {$0.00}, no prior late payment between XX/XX/XXXX and XX/XX/XXXX, and the account was satisfied XX/XX/XXXX through XXXX. This account also been re-aged. Please note that this account was also removed in XX/XX/XXXX by Experian due to the account being inaccurate or unverified. 

EXPERIAN did receive the receipts I have provided and through my case manager Ms. XXXX XXXX have acknowledged that the information I have provided matches what XXXX and XXXX XXXX provided. Attached to this compliant is call made to Experian and my case manager Ms. XXXX, where I asked about Experian 's policies and determination of the results given to me. These actions are in violation of 611 ( a ) ( 5 ) ( A ) and reinserations in FCRA 611 ( a ) ( 5 ) ( B ). 

Yet the reporting these companies have made are incorrect also violate of FCRA 623 ( a ) ( 8 ) ( E ) and I have yet to receive the documentation as stated in FCRA 609 ( a ) of my consumer file for further examination.

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 2022-09-13
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: ALLY FINANCIAL INC.
State: GA
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 am writing to dispute the following information in my file. I recently received a copy of my credit re ports (  XXXX ,  XXXX , and  XXXX  ). The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n ot be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file with all  XXXX  credit bureau agencies because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B.  Insurance C. Employment D. Court Order Please rem ove these inquiries from my credit reports immediately.

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 2022-05-04
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
CONVERGENT ( Original Creditor : XXXX XXXX XXXX ), balance is {$690.00}, and account # 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 2017-04-03
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
We filed a complaint against Experian about 45 days ago. In the complaint we specifically stated that the company never issued us a number to unfreeze the credit bureau report when we paid to freeze it. Therefore, we are unable to unfreeze the credit bureau report in order to apply for credit. Since the original report, Experian sent us a copy the credit bureau report. This is not what we asked for. Experian needs to send us a number to unfreeze the 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 2022-05-04
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
The navy federal Credit Card has to be one of the worst cards to have, High-interest rates along with so-called cash advance charges that no one can explain, they will not negotiate a lower interest rate to help veterans on fixed incomes, there seems to be something very disturbing about there debt collection practice 's I personally think they only want soldiers and vets to stay in debt so that they will never pay off their credit card charges with all of the XXXX!! charges, I will let every vet, XXXX XXXX whoever will listen Do not get a credit card from Navy Federal Had a better experience with XXXX,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Appears to be the debt sold from XXXX whereby original dept had been disputed. Did not belong to me. Incorrect middle initial.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-17
Company: Radius Global Solutions LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am approaching a debt collection company to make them aware that I have fallen on very difficult times. I would like to see if I can avoid filing for bankruptcy, but that decision is quickly approaching. Therefore, I am requesting a very low offer in compromise to the attached collection letter as quickly as possible. I could borrow {$2000.00} from a family member to settle this account in full, but that is as high as I can go at this time. I have over {$120000.00} in unsecured debts, and my financial position is in bad shape at this time. This company can reply through the Consumer Financial Protection Bureau portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I received a written letter from XXXX XXXX XXXX XXXX XXXX regarding an account with XXXX. The written letter offered the option to call XXXX XXXX XXXX XXXX XXXX which would allow me to pay my account in full. On XXXX XXXX, 2016, I paid {$240.00} on the phone on which was withdrawn from my bank account ( please see attached bank statement ). I was told I would receive a letter confirming payment in full within 5 days. I have not received the letter confirming payment and the account is still reporting on my Experian Credit Report as OPEN, UNPAID and " Seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department '' ( please see attached Credit Report excerpt ).

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 2015-10-24
Company: Empowerment Ventures, LLC
State: NE
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
My direct.depoait is missing as it should have deposited on friday, XXXX XXXX 2015. As of this morning still nothing. My employer ca n't reissue a check until they get a rejection notice from rushcard so until I 'm BROKE ... no one to borrow money from ... car payment needs to be paid ... .rent needs to be paid ... .other bills need to be paid ... ..unable to ... .what 's crazy is that people I work with received their money but me I 'm still waiting ... .please do something about this

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-15
Company: Kikoff Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
An account was fraudulently opened in my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-16
Company: SUNTRUST BANKS, INC.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XX/XX/XXXX I contacted my mortgage company SunTrust to inquire about refinancing because I had moved into my rental townhouse which was now my primary residence. I received an estimate and was told I would have no closing costs and only would need to bring that month 's payment ( XX/XX/XXXX ) to closing. Later they came back saying I needed a {$500.00} appraisal which I paid for. Throughout the process they repeatedly asked for documents I had already given them and even up until last week, I was still being asked where I lived! After much delay and XXXX I finally was given a closing date of XX/XX/XXXX. Today, after I asked for the cost to close, I was sent a revised estimate of {$5000.00}! I was told they had originally done the estimate with my townhouse as a single family home. The appraisal clearly stated as did ALL other documentation that my residence is not a single family home. It is no longer worth doing the refinancing at all and all they can say after every mistake they have made is " sorry ''. I wasted {$600.00} in fees to date.

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 2017-05-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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 tried settling this particular debt with  Portfolio Recovery an d they said that they were n't willing to settle.     In later years, once the debt was past the statue of limitations, I disputed the debt with the  XXXX  major reporting bureaus an d Portfolio refus ed to remove it from my credit report.     This debt is tarnishing my history and preventing me from obtaining affordable housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'VE BEEN DEALING WITH THESE ACCOUNTS THAT I DID NOT AUTHORIZE FOR SEVERAL MONTHS NOW AND THE CREDIT BUREAUS ARE STILL REPORTING THEM ON 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 2020-04-06
Company: CITIBANK, N.A.
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 status incorrect

Complaint:
**THIS IS NEW ORIGINAL INFORMATION** Attached is a letter I found from Citi Simplicity titled " Account Approval Notice '' dated XX/XX/XXXX - the same month that according to Citi I was already 60 days late. 

I opened the card in XX/XX/XXXX, had identity theft that reached both of my Citi Cards through XX/XX/XXXX. I could not pay online or pay by phone during this time. I had new cards reissued and new accounts apparently. 

THE ATTACHED IS **NEW PROOF** THAT THE COMPANY IS INCORRECT. 

I had previously filed CFPB complaints which were denied by Citi ( XXXX ) and ( XXXX ) Please help me clean my credit so that I can put the identity theft behind me. 

Thank you, 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 2015-09-06
Company: Jonathan Neil & Associates, Inc
State: NJ
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
My mother was visiting me recently I told her I was upset because I had a letter from XXXX/XXXX/2014 threating to suspend my drivers license and remove the license plates from my car I was afraid I told my mother the letter is from a lawyer the letter had legal terms I was afraid I showed my mother the letter and she told me the letter is from a collection agency my mother told me there are at lease XXXX violation of the FDCPA a collection letter that is worded like a letter from a lawyer a collection letter that does not include mini Miranda violation fdca XXXX XXXX multiple violation XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Any accounts I 've had with XXXX were paid in full and closed prior to XXXX from Georgia. I do not owe this debt. I have disputed this account numerous times and each time it has been removed, it is then added again by another one of these " companies '' likely to negatively impact my credit score. Which should be illegal yet Experian continuously allows. Furthermore, I am in the process of disputing this account with another collection agency who is reporting the exact same thing in another one of my credit profiles ( 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 non-monetary relief
Consumer complaint received 2016-03-31
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card
Issue: Payoff process

Complaint:
CREDIT CARD : AMEX XXXX CREDIT CARD. 
PROBLEM : I made a payment to bring my balance owed to XXXX in an effort to get out of debt so I can improve my credit score to purchase a home. However, after making the payment to bring my balance to XXXX, AMEX and XXXX both charged interest on the purchases several days later. So, to my knowledge I had paid my balance in full then intentionally left the account open so it would help increase my credit score. I deleted my reminders to pay these cards since the balance was at XXXX ( {$0.00} ) and not until I got a MISSED PAYMENT notice AFTER being assessed a late penalty did I learn that several days after I made my full balance payment, they tacked on a small {$16.00} " Interest Charge on Purchases '' a full 5 days after my full payment posted. 
This is a misleading practice since the credit card company has knowledge of the finance charges accrued at the time of payment, therefore should be advising that full payment is n't complete until current past month ( in arrears ) interest /finance charges are applied. This also happened with XXXX XXXX as well. 
We 're not talking about a lot of money typically, but if someone is n't aware of fully understanding how interest on purchased in arrears is calculated the probability of a late charge being filed and reported to the credit bureaus negatively affecting a consumers credit increases significantly. 
SOLUTION : Simply reflect unpaid or un-billed Interest Charge on Purchases that are in arrears on current summary statements so the consumer can pay balance, and be immediately aware of the charges in arrears that will be showing up next month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-08
Company: SUNTRUST BANKS, INC.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
In XXXX 2015, SunTrust Bank notified us that they had returned a deposit we made to our checking account. The check for the deposit was not returned to the payor, but was actually paid when initially presented to the bank on which it was drawn. SunTrust 's return notice resulted in a negative balance in our checking account along with the pursuant penalties and fees. SunTrust has tacitly admitted culpability by voluntarily crediting all return and overdraft penalties and fees associated with this transaction. SunTrust has not replied to our XXXX written requests to remove the negative balance from our checking account. SunTrust will not explain how this paid deposit became a " returned '' item. Please help us get a response from SunTrust.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I get about 6 phone calls per day with them saying my name and that a lawsuit is going to be filed, they have called realtives and places of employment. I do n't even know what this is, however they have listed it several times on my credit reports and it needs to be resolved immediately. They are reporting XXXX debts XXXX from XXXX and XXXX from XXXX, I have no idea what these are ... please help. The last time I had any debt issues was well over 15 years ago

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-08
Company: Paypal Holdings, Inc
State: VA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I applied for a loan with XXXX for my small business. After I received the loan, I started to get another bill in a different amount that I was already paying back to XXXX on the monthly basis. This new bill was from Paypal, once I spoke to them I was told that I accidentally clicked on a button that prompted Paypal to provide us with the loan and that for that reason I owed them the additional {$300.00}. I contacted XXXX about this and their response was they could not do anything about it and that people get confused when setting up the account. I am in disbelief how XXXX can have Paypal in the settings to obtain payment for a service that is supposed to be only through XXXX. Today I agreed on paying XXXX {$230.00}, because I do not want to ruin my credit. I believe this is a very sneaky way to obtain additional money for a service I did not sign up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
American Express continues to report the main card of an authorized user account I closed to my credit report. I closed the authorized user card & cancelled my affiliation with the account at the start of 2016 and they are still reporting to XXXX of the XXXX credit reporting agencies when I 'm no longer responsible for or authorized on the original main account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In XXXX 2013 I became aware that some bank accounts had been opened under my name, and were on my credit report as a result of identity theft. I also noticed an address and phone number that are not associated with any place I have ever lived or had as a contact number. I contacted my local police department and filed an identity theft report, and gave the detective the address and phone number associated with the fraudulent accounts. I gave this information to Experian and began the process to resolve the issue. XXXX accounts with XXXX XXXX were opened under my name, and after the dispute XXXX was removed, but not the other. Recently, I noticed it was still under my name and since I am currently in need of a new car, I knew I needed to take care of it to get the best finance options. After filing another dispute, providing them with the police report and email correspondences between the detective and myself, I received notification of my dispute results. The account still remains on my credit report, and I do not know any other way I can prove that this was not me who opened the account. The bank in which the account is opened under is not in my area, and I had never heard of it before this identity theft issue. This is a clear violation, and I believe Experian has not done their jobs in representing one of their members and ensuring my identity protection. I will be fighting this until it comes off my credit report, no matter how long this takes. This is wrong, and Experian should do more to help those who have been a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief