BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-12
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX from the phone number XXXX XXXX XXXX I called to inquire regarding the multiple harassing calls Ive received from this company. 

First a woman by the name XXXX XXXX proceeded to ask for identifying information without the mini XXXX After clarifying on my own on the purpose I asked her for the statutory requirements to verify. She demanded a full social security number and would not accept my date of birth as sufficient I then called back on a different phone XXXX XXXX XXXX and a Male XXXX XXXX again demanded a full social.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX ( XXXX XXXX  ) is reporting an account that was paid off over a year ago. It updated information on my Equifax report as being late 119 days which isnt true. I paid in full the charge off account. I wasnt getting no statements from this company. They deleted the accounts off my XXXX  and XXXX. Why are they still reporting on my Equifax. Why was information changed XX/XX/XXXX if it was charged off XX/XX/XXXX and paid off XX/XX/XXXX. This account is ruining my credit score with Equifax. I want it deleted for false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
I filed a previous complaint about Barclays Bank because their records were in such bad shape that I could not get anyone to discuss my charged off account so that I could settle it. ( They thought it was with a collection agency, the collection agency said it was still with Barclays, this went on despite many many phone calls trying to find someone who would accept a payment ) My previous CFPB complaint prompted action from their president 's office to fix those issues so that I was able to enter into a settlement agreement. I paid the amount required by the settlement agreement by XXXX XXXX, 2015. I was told the credit reporting would update on XXXX XXXX to show that I no longer owed a balance to Barclays. 

However, on that date, they only took off the payments I made. They are still reporting that I owe them approximately {$3000.00} even though under the terms of the settlement agreement I owe them nothing and the balance should be XXXX. I attempted to call, and spoke with a regular customer service representative and then a supervisor, who XXXX said the balance would NOT be updated. 
Barclays is either refusing to abide by the terms of our settlement agreement, or its employees are simply not competent enough to update things correctly. This needs to be updated asap because I am in contract on a home purchase, and it can not go through while the lending bank thinks I owe money to Barclays.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: Grain Technology, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, I have been contacted Grain since XXXX to get access to my account but it has not allowed me to do it. It keeps saying up to 5 days and it has been almost a month. They continue to take money every month for my payment but I cant see my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Company: Experian Information Solutions Inc.
State: SC
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 a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2020-10-19
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: Information belongs to someone else

Complaint:
I have been having so many issues in regards to my identity being stolen. I spoke with experian, XXXX, and XXXX and sent them all the documents required, and i have yet to hear anything back from them. Nothing has been removed or fixed and my personal life and credit score have been hit extremely hard.

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 2020-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have been having so many issues in regards to my identity being stolen. I spoke with XXXX, XXXX, and transunion and sent them all the documents required, and i have yet to hear anything back from them. Nothing has been removed or fixed and my personal life and credit score have been hit extremely hard.

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 2015-04-16
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I deposit {$100.00} on XXXX XXXX, 2015 at XXXX and I was never given the credit on my savings account I went to the branch and they did n't believe me at all, they have many surveillance cameras they can see when I gave the money to the clerk, I want my {$100.00} plus {$20.00} for the incovenience or I want free checks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12
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: Account information incorrect

Complaint:
I looked at my Transunion Credit report and found information that is hurting me financially and is also false information. I have several account being listed as " charged off '' meaning these companies should have issued me a 1099C form for tax purposes as the debt has been canceled out and is reporting as income to the Internal Revenue Service. I never received such forms from any of the creditors listed below. Since income can not be reported on my credit report then I demand these false, negative items be deleted at once as per the F.C.R.A. 

XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-04-13
Company: Experian Information Solutions Inc.
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:
When I opened this dispute, I didn't realize I would be punished for doing so. In effect, I have been. 

After the dispute, nothing changed on my report except for the " On Record Until '' date. Before the dispute it was XXXX, XXXX. Now, after the dispute, the " On Record Until '' date is XXXX, XXXX. 

So now I have to wait an additional 5 years for this to be removed from my credit report, JUST because I opened a dispute? 

Can you please just reset it to what it was, so that the report is removed from my file in 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 2021-11-26
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Company: Amsher Collection Services, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Experian Information Solutions Inc.
State: AR
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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. XXXX XXXX {$0.00} XXXX XXXX   XXXX {$380.00} XXXX XXXX XXXX   XXXX {$16000.00} XXXX XXXX XXXX {$550.00} XXXX XXXX UNIVERSITY XXXX {$3400.00}

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 2018-07-20
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
company is trying to scam me out of {$350.00}. I'm in the process of purchasing a home and company refuses to remove unknown collection debt. I offered to pay to delete even though the debt isnt mine but company refused. It's hurting my credit score and causing hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: EQUIFAX, INC.
State: VA
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:
Between XX/XX/XXXX and XX/XX/XXXX of XXXX, I attempted to dispute the reporting of several closed accounts that have aged over seven years since their dates of first delinquency. I made at least a half dozen attempts online to submit the dispute requests. Every single time, I am getting an immediate error on their site when attempting to use their online system. The web page is https : //www.equifax.com/XXXX. 

When I attempted to contact Equifax 's customer support line for credit disputes, I was greeted by a support representative who upon hearing that I would like to remove these four closed accounts that have aged in excess of 7 years past their date of first delinquency, that their policy is to remove them after 10 years. This is NOT in-line with the credit reporting regulations that state they should be removed after 7 years. 

Equifax is systematically making it difficult for consumers to lawfully remove these adverse accounts from their credit files. I am not having any issues removing these records from XXXX  or XXXX. This has to stop. This is a company entrusted with protecting consumers ' credit information and XXXX is making up its own policies. I am furious. Please assist me in lawfully removing these records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted transunion numerous times regarding these unauthorized inquiries on my credit report. according to FCRA this is a violation of section 1681b ( c ) which is a serious breach of my privacy rights! I have asked them to delete these unverifiable hard inquiries that are not attached to any accounts I have. They have failed to respond within 30 days according to section 611 with copies with any documentation bearing my signature. 

XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX  XX/XX/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 2020-04-13
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been paying this loan for 13 years it hasnt gone down its still the same and my interest rate was a lil high I recently called them .they said that I owe XXXX and they can reduce it to XXXX so they where also threatening me if I dont pay it will go to collections and they could garnish my wages so I took money out of my retirement to pay that off. then out of no where they said I owe for another loan thats XXXX I try talking to them and they didnt want to help me and they keep sending me letters if I dont pay that they can take me to court and garnish my wages now with the Covid 19 theres still sending me threats to pay it off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-19
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: Account information incorrect

Complaint:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX violated my rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX XXXX and XXXX XXXX XXXX reported to the Equifax that I applied for credit in which i never applied for. They have violated my rights to have fair and accurate information on my credit report. 
My personal information on my credit report is inaccurate as well. I have requested to have my address, phone numbers, and names corrected on my report this is a violation on my consumer protection rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: BARCLAYS BANK DELAWARE
State: CA
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:
On XX/XX/2022 XXXX charges were posted to my XXXX XXXX  XXXX XXXX  ( Barclay XXXX XXXX ) These charges were for : {$99.00} {$100.00} {$120.00} XXXX reported these charges to them immediately. They reversed these charges and said they will be doing an investigation to make sure these charges were fraudulent. After their investigation they reversed XXXX of the XXXX charges and told me the charge for {$120.00} was a valid charge. I called the merchant myself and confirmed with the merchant that ALL charges were fraud. They emailed me documentation showing all XXXX charges were refunded back to my XXXX XXXX  XXXX. I called Barclay XXXX XXXX and they asked me to fax over these documents. I faxed these to them on XX/XX/2022. They still refuse to reverse the charge for {$120.00}. I have called and emailed Barclay XXXX XXXX SEVERAL times and they kept saying they were still investigating and it would take XXXX billing cycles for it show a credit. I emailed them again today and now they are telling me the {$120.00} charge is valid and it will not be reversed! 

I want the charge for {$120.00} plus the interest accrued refunded to my account 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 monetary relief
Consumer complaint received 2016-04-18
Company: U.S. BANCORP
State: TX
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
My mother died on XXXX XXXX, 2015. I went to her bank on XXXX XXXX and took a death certificate and turned in her credit/debit card. I asked the banker what we would do about her funds ( checking and savings ) and they told me I would have to go through probate. So I hired an attorney and we did that. When the small probate action was completed I was told to open a checking account for my mother 's estate and to get an EIN number. I did that at a bank where I live. We faxed the documents to the bank in Oregon. I called them on the phone from my bank to let them know what I was doing. The manager of my mother 's bank said she would not honor the probate because my mother had something called a POD stating that she wanted her money to go directly to her XXXX daughters. I asked her why they told me to go through probate and she said she was not the manager at that time. I talked with the probate attorney and she subsequently called the bank and was told the same thing. I have tried for several days to call my mother 's bank but the manager will not return my phone calls. I have called their national call line but was told that they could not help me that I had to talk to the branch.

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 2015-11-05
Company: U.S. BANCORP
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
The US Bank keeps adding additional fees of {$36.00} and {$25.00} for an Overdrawn Amount of {$440.00} which is unacceptable. As previously stated, the US Bank continue harassment is inflicting me with severe emotional stress. Every time the US Bank harass me I have to visit the local branch located XXXX, and ask the Manager to stop the continue harassment. This trip caused me stress as I am a XXXX with XXXX. Additionally to this, the US bank keeps e-mailing Urgent Notices with unacceptable wordings such as demanding immediate payment and/or collection action and/or bank account closure which is intentionally made to inflict me with severe emotional stress. The US Bank offers Overdraft Coverage to customers that open a Checking Account. The US Bank receives my income amount of {$1500.00} electronically deposit in my Checking Account on the XXXX. Wednesday of each Month as directed by the Social Security XXXX. The US Bank collects XXXX. Wednesday of each month all Overdrawn Amounts plus all Fees ; consequently the US Bank is not loosing any amount of money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: U.S. BANCORP
State: MD
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I am a long time customer looking to be product traded to another credit card, as my needs have changed. Other companies have done this for me in the past and I requested twice to have this done and have been refused. There is no reason why this ca n't be done.

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 2022-05-12
Company: Accelerated Servicing Group LLC
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Someone claiming to be from ASG has been calling constantly for about 2 months- most recents are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I've called their number ( XXXX ) XXXX ) several times, and just get a voice menu to pay now or set up a payment plan. I visited their website, and it lists a debt of {$1300.00} to XXXX XXXX, and a immediate payoff of {$390.00}. I've never even heard of that company! After having visited their website this morning ( XXXX ), I've gotten XXXX text messages saying they noticed that I visited their website ( ASGRecoveries.com ) and didn't select a payment option. On top of that, for the last 2 months, they have also been contacting my relatives!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation