BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has 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 XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck 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 and XXXX and 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 inquiries 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 21 times. transunion 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 XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-08-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have noticed some fraudulent accounts on my credit report. I have submitted a complaint with the Federal Trade Commission. I have also attached my documents and report. Please remove these accounts from my report. 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 2022-03-29
Company: WELLS FARGO & COMPANY
State: UT
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:
WellsFargo/XXXX  XXXX XXXX XXXX I was 30 days past due on one payment. This is not true. A check was sent directly to them from my XXXX XXXX. It was received on time to not be past due. XXXX did not post it timely

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 2022-04-11
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:
The credit bureaus XXXX, XXXX and TransUnion are reporting inaccurate information in my credit file because they are reporting a account/ debt in my credit file that is not mine. The debt/ account is under the name XXXX XXXX XXXX XXXX This debt/ account does not belong to me. I have disputed this alleged debt/ in my credit file with XXXX XXXX XXXX and TransUnion XXXX It was not resolved and deleted from my credit file. The response to me was updated or verified. I did not know how this could be possible when the account is not mine. However, I asked XXXX, XXXX and TransUnion to provide me with debt validation document evidence but they never honored my request. They refused to delete this alleged fraudulent account from my file. They are lawfully bound to report accurate information. This debt they are reporting is not ( XXXX to XXXX ) not e-Oscar valid or verified. The date they have for this account shows opened XX/XX/2019. I have attached documents to prove that this account/ debt does not belong to me.

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 2022-09-05
Company: Netspend Corporation
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I cashed a check at XXXX XXXX XXXX  I was asked by the cashier after a long wait after she made a lot of calls to open a Ace Flair account to help her out to get her a commission. After the long wait I didn't even want to cash the check because I thought I might be able to cash it elsewhere for a cheaper price. After a guilt trip for making her jump through hoops to cash it I finally agreed to just be done with. I put XXXX dollars on the card at ACE when I made the account. I was told to hit next on a little screen I couldn't read and just did and signed. Got my cash and left. After a few days I activated my card and tried to use it at the store for a purchase of something around XXXX to use it up and close the account. It was denied and I checked and saw there was a fee to open the account so I actually had around XXXX dollars on it. I said XXXX this so I just decided a few weeks later to just close the account and take the loss. When I tried to close it I saw it was negative XXXX dollars and some change because of another fee. I put in the request to close anyways and forgot about it. Today, XX/XX/XXXX I get an email saying there is a problem with my account and to call customer service. I can't even log into my account anymore and I assume they are going to try to get more money from me to close the account. I don't know what to do. Any help would be appreciated. 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 2016-01-15
Company: CITIBANK, N.A.
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have attempted to contact CitiBank 's CitiGold Division on several occasions to disable " Overdraft Protection '', I was repeatably told by a supervisor this was " not possible ''. Frankly, this does not make any sense since other banks have the ability to turn off Overdraft Protection thus preventing any Overdraft Fees from occurring. During the Holiday Season ( XXXX and XXXX XXXX 's ), various transactions settled on strange dates for whatever reason. Additionally, CitiBank charges a {$34.00} Returned Check Fee which is in violation of State Law. The maximum amount in Illinois and Michigan is {$25.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
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:
The credit bureaus XXXX, Experian and XXXX are reporting inaccurate information in my credit file because they are reporting a account/ debt in my credit file that is not mine. The debt/ account is under the name XXXX XXXX XXXX XXXX This debt/ account does not belong to me. I have disputed this alleged debt/ in my credit file with XXXX , Experian and XXXX . It was not resolved and deleted from my credit file. The response to me was updated or verified. I did not know how this could be possible when the account is not mine. However, I asked XXXX, Experian and XXXX to provide me with debt validation document evidence but they never honored my request. They refused to delete this alleged fraudulent account from my file. They are lawfully bound to report accurate information. This debt they are reporting is not ( XXXX to XXXX ) not e-Oscar valid or verified. The date they have for this account shows opened XX/XX/2019. I have attached documents to prove that this account/ debt does not belong to me.

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 2017-05-24
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notice from Midland Funding LLC that I owed  XXXX  dollars and when I sent them a letter asking to verify the amount and what the debt was from I received a response that they did not have any information. I then continued to receive phone calls and letters trying to collect debt and contacted them to tell them I needed verification of the debt and they said they did not have to provide that information. This is not on my credit report and I do n't know what this debt collection is for. I would like th get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened up a citigold account on XXXX/XXXX/XXXX in response to a promotion that promised XXXX XXXX XXXX AAdvantage miles after I met certain requirements with were clearly stated for this promotion promotion ID XXXX On XXXX/XXXX/XXXX I verified my eligibility for this promotion with XXXX XXXX XXXX XXXX and on XXXX/XXXX/XXXX I confirmed again that I was enrolled in promotion with XXXX XXXX XXXX # XXXX She also confirmed that I had met all the requirements and that the XXXX XXXX AAdvantage miles would post to my account by XXXX/XXXX/XXXX. I sent an email to Citibank via their secure message service and received a mail response that there was not a promotion in conjunction with my account which is very confusing since Citibank had already confirmed 2 x already that there was a promotion and it was on my account had met all the conditions. 
Citibank bait and switched me on this promotion. 
I sent another email and was advised that my issue was being escalated to a different dept. 
Citibank asked me to fax over documents to them and they provided me with a fax number on XXXX/XXXX/XXXX and I faxed the documents on that day. I never heard from them so I called again. This time the rep told me that they had a problem with the fax machine o that day and asked me to refax them the documents this time to a different number so I refaxed them the documents on XXXX, XXXX and XXXX/XXXX/XXXX. I then called citibank again and they still had no notes on my account regarding these faxes and if they had received them ... the rep put me on hold and after a long hold she confirmed that the fax had been received .. I sent a secure message that same day and received an email back that the dept has received it but was backlogged and I should hear back soon.. 
Its now been over a month and I havent heard anything. 
Please help me with regards to solving this issue with Citibank I have all documentation regarding my emails, faxes and secure email transmissions Thanks 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 non-monetary relief
Consumer complaint received 2022-04-11
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt is not owed, these charges are fraudulent as what they are trying to charge me for does not apply and I have video evidence to prove it. They tried to say that the carpet was left in a state where it needed to be professionally cleaned and I have a video of an entire walkthrough of the building and its clear the unit was left in extremely good shape, ATLEAST as good as I received it in as I had to make some repairs to fix their shoddy work. 

In addition to these being fraudulent charges in the first place, they also called my work multiple times. 

Here is the link to the video : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
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 credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I applied for a XXXX XXXX XXXX card through Barclay Bank Delaware. 

I assume that a credit card was issued ( card ending in XXXX ). Another card may have been issued ( card ending in XXXX ). 
A card was never rec 'd by my, however I was billed for the Annual fee XXXX When my first stmt arrived iI call Barclays and was told that they could not find the account. The second time I called I was told to please disregard the statement. 

Getting Barclays to supply information to me has been difficult. Account XXXX was closed and reported as deliquent and past due for the {$99.00}. The card XXXX on my credit report Barclays has no information on. Since I never made an purchases, card never arrived and was never used, Barclays appears to believe that I still on {$99.00}. and has report my non-pay to the credit agencies.

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 2022-04-11
Company: The Best Service Co.,Inc
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Account should never have been in collections, written proof of debt requested TWICE via Debt validation letter. Sent certified mail with return address. No response. Needs to be removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: U.S. BANCORP
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
It was difficult to select an option that fit my complaint. 

I received a call saying Fraud activity had been suspected on my credit card. When an called them back they asked way more questions than I have had happen in the past. 

Once I hung up with them I looked up US Banks Fraud Department and the number wasn't right. I call US Bank and couldn't get through.

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 2020-04-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I found a fraudulently opened XXXX XXXX XXXXXXXX credit card when checking my free credit report on EXPERIAN. I filed a dispute and froze my credit report. 
I also contacted XXXX and was assured the account would be closed. I followed this up in writing Today I received an dispute result from EXPERIAN stating the information was confirmed and no item was changed on my 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 non-monetary relief
Consumer complaint received 2020-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

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 2016-04-07
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
Bill not received by Macy 's and phone information they had was incorrect and never heard of. Received notice in mail immediately called. Never had a late payment and did not once contact or receive bill from them. They had no compassion even though a good customer. I purchased item for XXXX they charged late fee of over {$150.00}

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 monetary relief
Consumer complaint received 2021-04-21
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX I am writing about my student loan, which is serviced by Navient. I began repayment of the loan in XXXX when I was XXXX at XXXX XXXXXXXX XXXX, and I have been on an Income Based Repayment plan ever since. Since I spent XXXX years XXXX for the XXXX XXXX XXXX in the XXXX of XXXX, there were periods when my income was so low that my payments were {$0.00}. For the past XXXX years I have been employed by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a decent job that has enabled me to make payments of around $ XXXX. Each year I file for renewal of my XXXX, the servicer goofs up, then I write to CFPB, and the payment is revised to be around $ XXXX. 

This year is the same. When I filed for XXXX and the servicer doubled my payments. I can not afford the higher amount and this will force me into default. I see the Department of Education has finally addressed FFEL loans like mine, but only for those in default. It is my hope that the Department of Education will do better than this. No one who holds a FFEL wanted to have this type of loan, and like me no one knew they were getting one. It was the discretion of the Department of Education to put loans like mine that were refinanced through them into either a FFEL or a DL. I would be halfway to PSLF if I had a DL, and I certainly thought I had one until recently. At age XXXX it is not realistic for me to start over on PSLF with a new DL, and I shouldnt have to. The Department of Education needs to make all FFEL loans work the same as all DL loans since it was their decision that burdens all FFEL holders. 

This year has been difficult for everyone. I started a new business XXXX XXXX XXXX in XX/XX/XXXX, but by the time I had obtained all the licenses and insurance the covid pandemic prevented me from commencing. I still have the rent, insurance, licenses, and other costs. I hope to begin classes this year but who knows when? 

I need to have my IBR payments remain around {$500.00} until my income goes up significantly. 

Thank you XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: ERC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter postmarked  XXXX   XXXX ,  2017  from ERC " indicating a balance with  XXXX   XXXX   XXXX  '' that I am unaware of.     I responded by certified mail requesting information and verification of that debt.     ERC has not provided such information. Instead they have begun to contact me through channels outside of those requested ( by phone ) and continue to avoid their responsibility.     I 'm initiating this request today because, after informing ERC of their obligation to respond with requested information by mail, ERC instead chose to challenge my claims and then abruptly ended their phone call.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-08
Company: Blatt, Hasenmiller, Leibsker & Moore, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Blatt BHLM telephone XXXX XXXX XXXX has called me repeatedly. They ask if I am a certain person XXXX ... I am not this person. I have told them repeatedly and they continue to call. This is the most blatant form of harassment when there is no issue of a debt actually owed. Please try and stop these ruthless scammers. Thank-you. This will undoubtedly help others. These guys are bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Collection Services in XXXX, MA keeps sending me letters to me address saying I have an outstanding payment with my electricity company ( XXXX ). I have always paid my bills on time, I checked my account still and I have nothing due, and I even called customer service representative at XXXX to confirm there is nothing due for my account. This Fake collection service keeps sending me these letters saying I owe {XXXX} and are asking to mail them a check or pay through their website ( not XXXX website ). I XXXX this place and there are multiple XXXX reviews saying it was a scam.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation