BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-29
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 accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents

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 2022-08-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. 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 non-monetary relief
Consumer complaint received 2017-05-22
Company: POPULAR BANK
State: NY
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 was charged with a purchase. They give me a link to cancel the purchase and I gave them my personal information . (  social, address and bank account information )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-21
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was previously insured with XXXX XXXX XXXX. Due to unsatisfactory service with XXXX XXXX XXXX I cancelled my auto insurance coverage with XXXX XXXX XXXX in XXXX 2016. I am now receiving a bill from Credit Collection Services for {$27.00}. This is the first I have heard about any past due amount. Plus when I cancelled my policy with XXXX XXXX XXXX, my account was current. This is a debt I do not owe.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Dear CFPB, I first want to thank you for all that you do to protect the interests of consumers. It was past time that a government agency was needed for this purpose. That said, I will provide you with the details of my complaint : XXXX misrepresented the status of the account to me and assured me on many occasions that the balance was not owed. I closed my XXXX account on XXXX XXXX, 2014 and was assured that the account was paid in full. I have never been delinquent on an account. I was told that I needed to return the router and that a box would be sent by the company so I could mail the router. I received a bill for about {$150.00} a few months later and called to question why I had received it. Again, I was assured by XXXX representatives that I did not owe the amount and that I simply needed to return the router once I received the box to return it in. I received the box in XXXX and returned the router and again questioned the bills and XXXX told me the return of the router would fix the balance. The next letter I received was from a collection agency. I decided to pay the balance with the assurance from XXXX representatives that my credit would not be impacted, seeking to have the balance returned once I found out whether it was owed. I applied for student loan refinancing and was turned away due to this single outstanding delinquent account. Please remove this from my credit report and tell me ( 1 ) how long I have to wait before it is removed, ( 2 ) how I can remove it from other reports or request the same and ( 3 ) how I can hold XXXX accountable for what they have done to me. 

Best Regards, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: TCF NATIONAL BANK
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2020 I connected to my online TCF Bank account and saw a savings account had been opened in my name on XXXX XXXX, 2020 and {$200.00} withdrawn from my checking account. 
I went to the local TCF branch nearest me and asked the teller, " Who opened a savings account and withdrew funds from my checking?? '' " I have no recollection of opening it '' He could not answer that and asked what Id like to do. 
" Cancel The TCF savings account immediately. '' The {$200.00} was returned to my checking accountt, but it troubled me why or by whom the Savings account was opened. 
I have screenshots of the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
CONSTANT harassment from Navient regarding a student loan, even though I 'm a cosigner. When I called them today to stop the ridiculous number of phone calls at all hours of the day and night, the representative stated that they have the right to call me XXXX times a day! Not only is this a false statement, this is clearly harrassment! 

I know MANY people have filed complaints with your organization regarding Navient 's harrassing debt collection tactics. They are clearly excessive and abusive! How many more complaints must be filed against them for the CFPB to take action?!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX and Transunion should not be reporting that I am ( 120 ) days late on the DEPT OF ED/XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have  contacted the bureau to remove these however, I have not been successful.

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 2022-08-18
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to delete this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
After being solicited by XXXX of their bankers, I applied for a mortgage refinance loan to refinance an existing mortgage I had at their bank. The refinance loan was approved, but after the rate came back higher than I wanted, we added my wife 's information in the hopes of getting a better rate. After being told we would get called back with the results, we waited two days receiving no calls before physically going back into the branch. Once there, we were told they were working on a rate exception ( despite them telling us it was a sure thing at the time my wife 's information was added ), and would call us back on Monday. They did not call back on Monday, and on Tuesday I called to get the status and asked to have our application handled by a different branch location. We are currently waiting to hear back from the district manager concerning this request. No one at the bank seems willing to help us despite being a long-time existing customer and after having been actively solicited by their banker for this product.

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 2020-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Four collection agencies have been reporting inaccurate information to XXXX, XXXX, and Transunion. These are not my accounts. Yet the Credit Bureaus continue to report the negative information, even though I have done due diligence under the FCRA to prove these accounts are NOT mine. 

I attempted to secure a debt validation via certified mail from each collection agency on XX/XX/2020. All four collection agencies failed to provide debt validation. Furthermore, all four agencies are in violation of the FCRA, as they must provide debt validation within 30 days of my request ( 45 days during this pandemic ). It is over 60 days since the collection agencies signed for my request for debt validation, and they NONE of them have provided the debt validation. 

I contacted each credit bureau - XXXX, XXXX, and Transunion - and explained the situation. Each bureau refused to remove the falFour collection agencies are showing up on my report. These four agencies are repse reporting from my report. 

On XX/XX/2020 I sent a certified letter to each collection agency once again, and each credit reporting agency, indicating that they were all in violation of the FCRA - reporting false information. I sent all agencies sworn and witnessed affidavits ( Justice of the Peace - see attachments ). All entities, including the Credit Agencies, have signed for the affidavit. 

I am a XXXX XXXX XXXX  in XXXX Louisiana. I XXXX  XXXX  people. Due to the pandemic, I applied for a SBA EIDL disaster loan to save my XXXX, and my XXXX  jobs. I was denied the SBA loan, due to the false reporting of the collection agencies, and the refusal to remove inaccurate information on the part of the Credit Reporting Agencies.

I have spoken to the Credit Reporting Agencies via telephone as well. These agencies found inaccurate information on my report, such as addresses, phone numbers, social security numbers, employers,  middle intial differences, birthdate difference, etc. The Credit Bureaus agreed with me over the telephone that my file had " merged '' with another person of similar name, or that there was perhaps identity fraud involved, where I was the victim. XXXX  even removed certain items while I was on the phone with their representative. But none would agree to remove the false collection agencies reporting.

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 2020-01-17
Company: STERLING JEWELERS, INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A caller identified as a debt collector try to collect on a credit card already paid 3 years ago. Creditor shows XXXX balance on credit report.

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
Consumer complaint received 2022-02-25
Company: GOLDMAN SACHS BANK USA
State: NM
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I purchased my new XXXX XXXX XXXX XXXX at the end of XXXX, and have been very happy with it except for one detail. 

I wanted to sign up for XXXX XXXX with the new Goldman Sachs Apple Card, but each time that I've uploaded my driver 's license for the application for the Apple Card, I keep getting the message that my identity can not be verified. I've done it about 10 times now, and each picture of my license ( front and back ) has been perfectly clear. There have been no errors in my applications, and no one at XXXX XXXX, Apple Card Support, or Goldman Sachs can tell me what the problem is. 

I've been promised 3 return calls now from Goldman Sachs and Apple Card Support over the past week that have never come.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I SENT DEBT VALIDATION LETTERS TO EACH OF THESE COLLECTION AGENCY, ACCOUNT RESOLUTION SERVICES, AND XXXX XXXX XXXX ON XX/XX/XXXX. THESE AGENCIES HAS FAILED TO VALIDATE MY DEBT. INSTEAD, THEY SENT A LIST OF MEDICAL RECORDS WHICH I KNOW IS A DIRECT VIOLATION OF HIPPA REGULATIONS. I NEVER SIGNED A HIPPA FORM AUTHORIZING THEM TO HAVE ACCESS TO THIS INFORMATION. PLEASE DELETE THIS INFORMATION FROM MY CREDIT FILE AND CEASE ALL COLLECTION ACTIVITIES IMMEDIATELY. 

ACCOUNT RESOLUTION SERVICES XXXX. ) XX/XX/XXXX {$140.00} XXXX. ) XX/XX/XXXX {$140.00} CHARGED TWICE XXXX. ) XX/XX/XXXX {$150.00} XXXX XXXX XXXX XXXX. ) XX/XX/XXXX {$650.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
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 A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THESE ACCOUNTS ARE HURTING MY CREDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS..

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 2022-10-02
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) 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. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation 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 2015-05-18
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Credit reporting agencies reluctancy to remove negative reports from my credit report, these items were paid in full, and yet the Experian shows these items as charge-offs. I have attached supporting documentation as proof of payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-29
Company: Experian Information Solutions Inc.
State: MI
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 recently pulled my credit report, and there has been a FRADULENT ACCOUNT opened on my credit report on XXXX and XXXX. This is ruining my credit and I am unable to use financial resources in need for myself and family during this pandemic.

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 2022-02-25
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 I requested to all three credit bureau to update my full name and they refused to update

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 2020-01-17
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I accidentally put a freeze on my credit when I was reviewing my credit report. Without explanation Experian will not allow me to remove the credit freeze online. I have sent them documentation to prove who I am with instructions to remove the freeze. Meanwhile I have two banks trying to process loan applications and can not due tobthe Experian freeze. It is impossible to reach a human being by phone at Expert.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Other

Complaint:
I have an unauthorized and unjustified hard inquiry on my XXXX, XXXX, and XXXX credit report from Capital One Bank. I called capital one executive office in regard to the unauthorized hard inquiry that is reporting on my credit files and I was advise to allow 7 business days that someone will call me back in regards to the issue. It has been over three weeks, and I have not receive a call back from capital one or received any correspondence from capital one, and the unauthorized hard inquiry is still on my credit report. Now I have a fraud alert on my credit files since XX/XX/2014 and yet still capital one was able to place an unauthorized hard inquiry on my credit report with the major credit bureaus. Capital One Bank had initiated a fraudulent inquiry into my credit report without my written authorization. This breach is in violation of my privacy Act, where it is evident that employees of Capital One Bank made unauthorized inquiry into my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
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: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THESE ACCOUNTS ARE HURTING MY CREDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS..

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 2016-03-10
Company: BBVA FINANCIAL CORPORATION
State: NY
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
Compass Bank, the option to fund the account with a ACH transfer did not function, I called them and was transferred several times until I gave up. 
within a day or two I tried to do it again and I still could not complete the ACH transfer called them again and could not get anywhere, on XX/XX/XXXX I tried the third time and changed the application to fund the CD with a check, and mailed out a check for {$200000.00} clearly marking the purpose of the money and the account number that I was given, five days after mailing the check I saw that it was not cashed yet I called the bank again they told me that the check did not arrive yet and I should call in 5 days. 
I called them on XX/XX/XXXX and I was told that the account was closed because it was not funded and my check is being returned, I was surprised to see that the check was cashed I called them on XX/XX/XXXX, and was shuffled from person to person without any results. The last person I spoke to was a guy by the name of XXXX that later said his name is XXXX with the promise that check is being issued and sent out to me immediately. 
I called the FDIC to complain about this episode, they said I have to complain with ; Federal Reserve Consumer Help I called them and they said to lodge a complaint in writing which I did. 
Today XXXX XXXX, 2016 I get an answer that I have to make a complain with Consumer Financial Protection Bureau, and I am doing it right here and now. 

MEANWHILE IT IS 10 DAYS PAST THAT bbva copass bank IS HOLDING MY {$200000.00}. AND LAUGHING ALL THE WAY TO THE BANK

Company response to consumer: Closed with explanation