BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-20
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I sent XXXX XXXX and XXXX a Certified Letter About Unauthorized Inquiries On My Credit Report. They Came Back Verified On XX/XX/XXXX. I Do n't Recall Authorizing, I Understand That you Should n't Be Allows To Put An Inquire On My File Unless I Have Authorized It. I Have Contacted All Credit Bureaus And They Refuse To Move Them.I have also contacted the creditors and they have told to contact the credit bureaus. and it 's just back and forth who to dispute this with. I Sent Credit Bureaus Certified Letters. Inquiries : 1.XXXX XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX- XX/XX/XXXX 4.XXXX XXXX- XX/XX/XXXX 5.XXXX XXXX 6.XXXX XXXX 7.XXXX XXXX 8 . XXXX XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX. XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting Act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-30
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Dear Consumer Financial Protection Bureau, I am unable to get Equifax to unfreeze my credit report. I am *desperate* to get it unfrozen so that I can open a business account at my local bank. 

I froze the Equifax credit report on XX/XX/XXXX and received a 10 digit reference number that I've attached as supporting documentation, but on XX/XX/XXXX Equifax said that it is not sufficient to unlock my report. 

However, I recently successfully unfroze my credit reports with XXXX and XXXX without any issues. I called these companies and provided the freeze numbers and they unlocked the credit reports. 

However, with Equifax I can not get them to even listen to the freeze number because they are too busy trying to harvest new information about me. 

I've attached to this report : My driver 's license front & back, A letter from my apartment manager confirming my residence, An electric Bill and a copy of the freeze reference number. 

But based on my past experiences with this company, I am doubtful that they will help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Citi XXXX XXXX XXXX I had a balance of approx {$3000.00} in XX/XX/XXXX, I paid {$2000.00}. In XX/XX/XXXX we made some large purchases ~ {$7000.00} for an upcoming trip. Before I even received my statement I paid {$7500.00}. I will admit I did not realize I had not paid the complete amount for the previous period. Then I receive the XX/XX/XXXXstatement. I am being charged for interest in items all through the next two statements!!! According to their documentation : " If you do not pay the New Balance in full by the due date, you will not get a grace period on purchases until you pay the New Balance in full for two billing periods in a row. '' XXXX XXXX does not do this. I guess I need to read the detail in the future. I think this is criminal how they treat their customers. Everyone should know about this. It is very wrong.

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 2022-01-30
Company: DISCOVER BANK
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XX/XX/XXXX I got a {$1500.00} cash advance from Discover Card. As of XX/XX/XXXX Discover has me still owing {$1400.00} on this cash advance. I have paid over {$1000.00} in interest and still being charged interest. I made a {$1000.00} payment on XX/XX/XXXX and still owe {$1400.00} on this XXXX year- old cash advance. I offered to make another {$1500.00} payment so I would not continue to pay interest on this cash advance but was told I would still continue to pay interest on the cash advance until I pay the balance of {$3900.00} in full according to XXXX who identified herself as my account manager and account supervisor on XX/XX/XXXX. 
This interest rate is unfair and too much! 
Note : I never missed a payment. XX/XX/XXXX I made a {$1000.00} payment. I made two {$200.00} payments and at other times made more than the minimum payment to pay down the balance on this Discover Card. The interest rate causes the balance to continuously increase rather than decrease.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 multiple inquiries on my credit that I didn't authorized and its affecting my personal credit score. The companies that are on my credit report I don't know them and I've never done any business with them

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 2022-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2020-04-21
Company: Lending Club Corp
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have had this account since XX/XX/XXXX. I am 100 % on time and paying ahead. 
On XX/XX/XXXX, Lending Club cash an extra ( two day passed the regular payment being received ) payment with a memo " apply to principal only ''. However, the company took interest. On XX/XX/XXXX, I requested they correct their error. To date they have not and are accruing interest on an incorrect balance. 
Now, I am prepared to payoff the loan and have advise them of this ; they refuse fix the mistake and reverse interest accrued in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Card was charged for something you did not purchase with the card

Complaint:
I am contacting you regarding a fraud claim I have with my bank of america better balance credit card. I am really hoping you can help me with this because so far all my claims keep getting denied. On XXXX of 2020, someone used my credit card fraudulently to make 5 purchases on XXXX XX/XX/XXXX for XXXX. XX/XX/XXXX for XXXX. XX/XX/XXXX-XXXX. XX/XX/XXXX-XXXX XX/XX/XXXX-XXXX. I have contacted the fraud team several times to open a case and every time I am denied even though it is clear that I did not make these purchases. I was slow in reporting these to B of A because I do have a an XXXX XXXX account and my sons sometimes order stuff for me on their when I ask them to. At first, I though this was the case. After speaking with them, I realized it was fraud. Moreover, I contacted XXXX and they told me that they see that theses charges were not made from my XXXX account. They could not provide more information because the account does not belong to me. The scammers used my address to ship the stuff they purchased. If you google it, you can see its a common scam for them to use the correct billing address as the shipping address. Luckily, I was able to get the packages before they attempted to steal them from my porch. I sent the packages back to XXXX via XXXX and provided the tracking numbers to Bank of America. As you can see from your records of the tracking numbers, XXXX is now in possession of the merchandise. As result, I think I am entitled to a full refund. I have done everything Bank of America has asked of me including filling a police report. I have been a customer for over 20 years and I am pretty disappointed with this experience.I have stopped using my credit card.

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 2022-01-30
Company: Seattle Service Bureau, Inc
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been harassed by an individual regarding a hit in run they were involved in on XX/XX/21. I have proven to my insurance agency ( XXXX ) and the local police ( XXXX, IL ) that I was two states away at the time. The police took me off the investigation because the car described by the person was not at all similar to mine. My insurance closed the complaint. 6 months later I am receiving a claim from the National Service Bureau ( XXXX ID XXXX ) that I owe {$1900.00}. I don't understand how this individual and this collection agency can ask for money when I've been cleared by the police.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: Experian Information Solutions Inc.
State: AL
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:
Between the dates of XX/XX/XXXX-XX/XX/XXXX, I have filed and sent several letters to the credit reporting agencies of fraud accounts. I have submitted copies of police reports and identity theft affidavits. The fraudulent accounts are ( 3 ) XXXX XXXX  accounts, 2 XXXX  XXXX accounts opened XX/XX/XXXXwith balance of {$900.00} and account opened XX/XX/XXXX with balance of {$460.00}, Account with XXXX XXXX, and account with XXXX XXXX. I recently filed complaints with all said companies for reporting inaccurate information. However Experian and XXXX both are still reporting these accounts after several communications with them that I never opened any of these accounts.

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 2017-07-20
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paid original creditor XXXX after switching phone companies, 1 month later a collection agency named performance receivables adds a collection to my three credit reports. I have tried to communicate with the company on several occasions and it always ends with 3 transfers and getting hung up on. This happened 4 times in succession one day and when I asked about it they chuckled and hung up on me again.

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 2022-01-30
Company: EQUIFAX, INC.
State: AZ
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 already filed an FTC report with the credit reporting agencies and XXXX XXXX agreed and removed this account on or about XXXX of 2021. This account was mistakenly sold to XXXX FUNDING and they are ILLEGALLY REPORTING IT as of XX/XX/2021 opening date. This is a true and a major violation of reporting laws.I expect this to be removed now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, XXXX XXXXXXXX and the National Credit Systems was sent an email that had a debt verification attachment. In that document, XXXX XXXX and National Credit Systems were both asked to verify the debt of {$10000.00}. More than 30 days past ever since XXXX XXXXXXXX and the National Credit Systems received that letter. To this very day, no proof of the debt or validation attempts have been received by the National Credit Systems or XXXX XXXXXXXX. 

On XXXX XXXX, my attorney filed a pro to vacate order to dismiss the eviction filed by XXXX  XXXX. 

On XX/XX/XXXX, XXXX XXXXXXXX attorney agreed that the eviction should be dismissed on the basis that I did properly notify XXXX XXXX  of leaving the property and I did find someone to sublease the property. Since someone subleased and resided in the unit, the reported debt of {$10000.00} is inaccurate. 

On XX/XX/XXXX, a local judge of XXXX XXXX approved to dismiss of this eviction. The debt is showing for the full amount on my credit history, which is inaccurate. 

If the National Credit Systems can not legally validate the debt because another person resided in the property and was paying for the rent. If National Credit is unable to validate the debt, then they should rightfully delete the debt or correct it on all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: The CBE Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After having my service with XXXX suspended for several months after moving to a location I was unable to re-establish service, I ended up closing the account on X/X/15. The service had automatically resumed, even without any service equipment connected. I called and spoke with a representative and discussed options. We decided the best thing would be to close the account and pay the early termination fee and remaining balance. She credited one month as a courtesy and since only 1 day had passed in the current bill, that month was essentially refunded as well. This overall left me with a credit of {$130.00} on the account after paying the early termination fee. The account was closed on X/X/15 and a refund of the remaining balance was mailed to me on X/X/15. I have email confirmations showing both events. XXXX has repeatedly over the last 2 years sent my account to collection agencies saying there is a past due of {$180.00}. This is untrue. I have repeatedly disputed this amount with the credit bureaus and had the negative actions removed from the reports. 2 years of disputing credit reports is really getting a little old.

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 2017-07-20
Company: CIT BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Complaint about CIT XXXX Customer Call center regarding account closing I had a 2-year $ XXXX CD with the CIT bank, which matured on XX/XX/XXXX. I never received a notice/reminder which the bank is supposed to send me well in advance. I called the bank on XX/XX/XXXX Saturday, to close out of the account but I was n't able to reach a human customer service after a long wait. I called back on XX/XX/XXXX, the first business day after the grace period ( ending XX/XX/XXXX, which is a Saturday ). The customer care team refused to close the amount without charging me penalty that 's the equivalent of 6 month interest. I requested to speak with the supervisor and anyone who has authority to close the account for me, despite the fact that I was a few hours past the " grace period. '' I was told the people I 'm speaking with do have the authority to close the account but they simply choose not to do so because they do not have to based on the CD terms. I was told that they will only make the exception if I, the account holder, was dead. The individuals I spoke with claimed to be XXXX XXXX and XXXX XXXX the call center manager. I requested a higher ranking officer at the bank and was given the name of XXXX XXXX, who was supposed the Vice President of the XXXX center. I looked up the names. It appears that XXXX is just another customer care manager. At the end of my wit, I inquired if I may switch to a shorter term CD. While they offer 6-months CD,  XXXX told me the shortest they would let me do is 1 year. So I opted for that. Afterwards, I looked up online, CIT publishes a policy of option to withdraw full balance and interest after 7 days of CD funding date. I believe the call center staff refused my request to close the CD account and withdraw money not per policy, but out of fear of losing business and hurting performance. The customer service was abysmal and perhaps downright fraudulent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-30
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent some letters out with an FTC report to Equifax and XXXX about some inquiries and a collection on my credit report that are not accurate and are not mine. I never received any responses from anybody. This is causing me to be stressed emotionally and financially. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company regarding the derogatory information being reported to my credit bureaus. My first Debt Validation letter was signed and received by them on XX/XX/2020. I received no response. I later sent a Non Response letter advising them to delete this negative information from my credit reports as they have not provided any validity that this debt belongs to me nor exists. This is a clear character violation and lack of validation. I have given 30 days to respond regarding my dispute with no proof in sight. How is it possible for them to continue reporting clearly Unverified, Invalidated, and Inaccurate information to my credit report? I am requesting this company to immediately remove this erroneous invalidated information from the three major credit bureaus : XXXX, XXXX, and XXXX. I am also requesting a physical deletion letter be mailed to me directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: WELLS FARGO & COMPANY
State: MN
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:
They run my credit report to many rime and Im authorized that

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 2022-06-15
Company: Experian Information Solutions 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 non-monetary relief