BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-10
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On  X/X/17    I called to inquire about paying off of debt of {$1100.00} wit h Diversified Consultants.  I let the representative know that the account went into collection because I had opened the account for my ex-boyfriend who failed to pay the bill. I asked the representative if I could pay the amount in full, would the collection be removed from my report. He took notes and let me know that the collection would be removed from my report " immediately '' after I paid. I let him know that I would be calling them back to make a payment after making arrangements with my husband.  <P/> On  X/X/17    I called to make the payment and inquire about settling. We made a settlement agreement for {$720.00} with the representative and her supervisor. I then asked if paid, would the collection be removed from my report. She let me know that it would be updated as " settled in full '' so I then asked if I paid for it in its totality, would it be removed. She let me know that it would be reported as " paid in full '', but not removed. I let her know that the previous representative told me it would be removed if paid. So she let me speak to her supervisor who explained the same thing. I then let them know that I will call them back after making a decision to pay in full or settle in full after speaking to our mortgage loan credit specialist.  <P/> On  X/X/17    I called to make sure the settlement still stood since I had n't made the decision to pay in full or settle in full. The representative let me know that he would take note of it and the {$720.00} still stood.  <P/> On  X/X/17    the representative gave me the dates and names of representatives that I had previously spoken with. I called to let the company know that I was going to make a complaint since I was told previously that the collection would be removed after paying, and now they were going back on their word.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Experian Information Solutions Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These fraudulent items need to be removed from my Experian credit report. Images will be submitted below.

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 2017-06-10
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted documents on many occasions as well as submitted many disputes with supporting documents, and they will not remove the items or correct my credit report. There are duplicate entries and I will show these accounts as they are same account, as well as others they are ignoring I have submitted based on FTC affidavits.

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 2020-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
Initial disputes for 3 fraudulent charges on my Bank of America Visa card on XX/XX/XXXX & XX/XX/XXXX. 
Notified Bank of America & they resolved by crediting the fraudulent charges & cancelling my credit card & issuing me a new credit card. 
Next statement with new credit card, there was another fraudulent charge of {$200.00} for an on line purchase from one of those same companies, XXXX XXXX. 
This time when I notified Bank Of America of the additional fraudulent activity, I was told they probably gave XXXX XXXX my new credit card information which doesn't make any sense to me. They told me to contact the vendor, XXXX XXXX, to resolve even though I never dealt with them before. 
I contacted XXXX XXXX through email & she cancelled the fraudulent account that some one set up with my credit card information. She said she couldn't credit me for the {$200.00} fraudulent charge because a package was sent to me even though I never ordered or received anything. She told me to notify Bank Of America of the fraudulent charge, which I did. 
Bank of America never identified the second charge as fraudulent & even charged me interest on the disputed portion of my statement. 
The next month, I paid the disputed charge so that I wouldn't be charged any additional interest or late fees. 
On XX/XX/XXXX, I sent Bank of America a final letter advising them of this & asked to have my credit card cancelled because of this. 
I have copies of all correspondence to verify my claims.

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 2022-04-04
Company: Experian Information Solutions Inc.
State: NJ
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/2022 i sent a letter in regards to inaccurate items on my credit reports. its been more than 70 days and i have not receive any validation of debt or results of the investigation. Section 611 ( a ) states that a failure to investigate the items within 30 days gives a reason to delete the items immediately from my credit report. It has been more than 70 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to all stress caused 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 2020-03-01
Company: C&H INVESTMENTS, INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I purchased a new XXXX motorcycle in XXXX for {$20000.00}. I paid on the bike until the summer of XXXX  at which time the bike was returned to the lender. My payments were approximately {$530.00} a month.I paid over {$15000.00} on the bike, they have the bike in their possession ( since XX/XX/XXXX), they are stating I owe them over {$5000.00}. They also have inaccurate information on all 3 of my credit reports, XXXX, XXXX  and XXXX. They did not provide any written information that the bike was Commercially sold, auctioned, nor did they provide a Balance Deficiency Letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
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: Information belongs to someone else

Complaint:
Since XX/XX/XXXX, I've been trying to fix different inaccuracies reporting on my credit report, I have reached out to the following companies. XXXX, Equifax, & XXXX. I have lived at the address on my drivers license for over 2 years and I have sent in documents to the 3 bureaus to update my address and delete all previous addresses, along with my jobs, unauthorized inquiries also showing them proof and asking for reinvestigations. That I have not received to this day XX/XX/XXXX. I've disputed inaccurate information reporting on the following accounts and requested the reinvestigation and the 3 bureaus haven't sent me the information for unauthorized Inquiries. 
XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax The following accounts for late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - Child Support These unauthorized and Inaccurate information are hindering me from acquiring credit and loans. It's costing me XXXX, bad health, pain and suffering. I'm having a hard time supporting my family, to the point the my wife has left me and seeking a divorce.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: Experian Information Solutions Inc.
State: TN
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: Investigation took more than 30 days

Complaint:
I submitted a compliant with the CFPB 60 days ago regarding an account that appeared on my credit report that listed an amount that I did not owe. XXXX XXXX XXXX ) According to CFPB XXXX XXXX submitted a dispute to the credit bureaus ; Experian, XXXX and XXXX but I never heard any of you. I want my credit report updated and this account removed.

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 2017-06-10
Company: Bread Financial 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:
Commenity Bank acquired my credit report and no one has any record of it. I did not authorize this Commenity Bank/  XXXX   to pull my information. When I call they have no record of it but its still showing on my credit report. It shows that the inquiry was acquired in  XXXX . I called in  XXXX  and asked to have it removed to no avail and they can not find anything in their records that I even put in the inquiry. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX I reported to Transunion XXXX and XXXX the fact the XXXX XXXX XXXX XXXX XXXX XXXX XXXX entered into litigation due to their fraudulant breach stealing of my money. 

I uploaded the court documents to substantiate the judges comments and the fact that the case was open and at this time the creditor should cease reporting derogatory information XXXX, reported the account as of XX/XX/XXXX as a charge off after I commenced the law suit, I advised all three agencies that they are not reporting correctly. Despite documents which included civil suit documents they reached out to the creditor. they not only did remove the derogatory but they updated the charge off date to XX/XX/XXXX Transunion dispute was entered on XX/XX/XXXX and they spent 60 days before updating my credit report via my dispute that i mailed them certified. The credit company and the creditor can not change the terms as it is suits them to continue to update their information to make it stay longer in derogatory status. 

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 2021-04-08
Company: EQUIFAX, INC.
State: IL
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 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: Sa-Vit Enterprises, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted by my doctor at  XXXX   XXXX   XXXX  for a follow up. Unbeknownst to me there was not another visit left on my referral. While trying to work through my health insurance carrier I was contacted by mail by SA-Vit collections. Rather than risking my credit I paid the  XXXX  with check number  XXXX . They did not contact me again. This was written on  XX/XX/XXXX    and the next time I heard about this was last month when I applied for a car loan. I paid this  XXXX  by phone on Friday  XX/XX/XXXX . There was no contact between my payment by check and the payment by phone. They never cashed my check but I have a copy.

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 2017-06-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
XXXX   XXXX   notified me that  USAA  is not relaying information timely so it is hindering my use of their services

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never received any information from the hospital or collection agency that a debt was being issued for nonpayment. I never received bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted documents on many occasions as well as submitted many disputes with supporting documents, and they will not remove the items or correct my credit report. There are duplicate entries and I will show these accounts as they are same account, as well as others they are ignoring I have submitted based on FTC affidavits.

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 2017-06-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I am writing to register a formal complaint against  Citizen 's Bank r egarding predatory overdraft fees.  <P/> On the morning of  XXXX   XXXX   2017, I lo gged into my online banking account via the Citizen 's Bank smartphone application, at which point I learned my checking account was overdrawn by {$20.00}. Upon closer examination of my recent transactions, I discovered that Citizen 's Bank had levied  XXXX  overdraft fees of {$35.00} each against my checking account on  X/X/2017   , for a total of {$100.00} in overdraft fees.  <P/> My account was not overdrawn as of  XXXX   XXXX   2017. Ac cording to my records, my account had a positive balance of {$75.00}, nor were any pending transactions listed. Please note that Citizen 's Bank 's smartphone app does display pending and " on hold '' transactions prominently, and that no such transactions had been displayed.  <P/> I contacted Citizen 's Bank for an explanation. I was told by a representative named  XXXX   XXXX  that the most recent deductions and debits in my account had occurred in a different chronological order than that displayed in my online banking account, which had resulted in the first of the  XXXX  overdraft fees.  <P/> I asked  XXXX   XXXX  's supervisor, a woman who identified herself as  XXXX   XXXX , to waive the fees, and was told that although Citizen 's Bank could not be held responsible for the problem, the bank would be willing to refund  XXXX  of the  XXXX  overdraft fees - a strange solution to a problem they had supposedly not caused and could not be held accountable for.  <P/> Shortly after the conclusion of the conversation with  XXXX   XXXX , I learned that Citizen 's Bank had refunded  XXXX  of the  XXXX  overdraft fees, despite having not been explicitly instructed by myself to do so. Again, this seems strange, given Citizen 's Bank 's refusal to accept responsibility for this error. This fee rebate can be seen in the attached screenshot of my recent checking account activity.  <P/> Given Citizen 's Bank 's history of deceptive practices regarding checking account fees, I wish to formally complain about these unfair and predatory banking practices. My income is very modest, and to lose so much money to fees that could have easily been avoided had Citizen 's Bank provided me with accurate transaction records is not only utterly infuriating, but also completely unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-10
Company: EQUIFAX, 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:
Equifax has reported a judgment for {$870.00} that was not even mine, and this matter was resolved a year ago, and it still shows. They are unreasonable, and when I called they just said to dispute again ... this is keeping me from getting a new car because I was in a car accident and need a vehicle. I 'm hoping this will help so I can move on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$840.00}, {$0.00}, {$640.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$840.00} -This is not my account. 


-- COLLECTION ACCOUNTS 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$640.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have many erroneous and unverified items on my credit reports with XXXX, XXXX, and TransUnion. I have sent multiple letters asking for the items to be either verified or removed, and the items have not been verified, but have also not been removed.

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 2020-03-01
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: Account status incorrect

Complaint:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON MY XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

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