BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-13
Company: ResidentCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have noticed a collection charge on my credit report listed by XXXX XXXX apartment complex that is listed to have been reported in XXXX and have been placed on my file in XXXX, XXXX. 
I have contacted the apartment complex XXXX XXXX XXXX XXXX to verify the charges. 
The office manager at the XXXX office ( XXXX XXXX XXXX. ) has directed me to a collection agency, Resident Collect and refused further dealing with my complaint. 
Resident Collect verified the amount but could not find any record of me. 
They found record of my ex-husband and the above mentioned charge listed entirely under his name. 
The apartment complex reported the delinquency in XXXX. 
My XXXX has been final on XXXX XXXX, XXXX. 
I moved out of the apartment complex in XXXX and did not sign any contract, nor lived together with my XXXX 
The apartment complex, as proof of the delinquency has provided the collection agency a lease contract signed in XXXX by both me and my XXXX XXXX as a basis of the joint responsibility for the incurred debt which contract terminated in XXXX. 
The lease term was for less than a year period. 
The collection agency has agreed that it is very unlikely that a lease term of 6 years even existed at the time when the lease contract was signed ( XXXX ). 
The lease term had to be renewed every XXXX period. 
After further investigation the collection agency has found a lease contract on record signed in XXXX ( XXXX XXXX, XXXX ) solely by my XXXX XXXX in the same apartment complex. 
I have verified in XXXX with the apartment complex that they have incorrect information and no basis to claim I would have anything to do with this debt when XXXX XXXX XXXX has first tried to claim it to be my responsibility, and the apartment complex admitted the error and the claim had been removed from my credit file. 
This collection charge has not reappeared for 5 years until this XXXX, without any prior notification or contact with me. 
It is negligent and wrongful business practice on the part of XXXX XXXX XXXX complex to try to collect a debt on me after 5 years that has been proven not to belong to me. 
I have been advised their actions are illegal, they are breaking the law and to report their action to the Consumer Financial Protection Bureau to prevent them for further wrongdoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Synovus Bank
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On my credit report, there are 2 different amounts reported for the exact same account. I do not owe that amount of debt for a previously charged off account Synovus is trying to harm my credit report erroneously in order to harass me and make me pay more money than I owe by placing inaccurate account son my report. I have tried multiple times to dispute this with them and request proof of the debts but they have failed to provide me with any proof. The original account is being reported under # XXXX. Since I have began disputing the account, they have created the account # XXXX to add additional debt and history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: Experian Information Solutions 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:
Experian has removed an account from my Credit Report It was a XXXX Account. Experian Removed the account Early XXXX and on XXXX XXXX Experian placed the account back on my credit file reported to me directly on the phone that XXXX  Requested the item be placed back on my report exactly that day. There is a reinsertion law that the credit bureau needs to abide by I never received a notice five days prior and if XXXX requested the update XX/XX/XXXX why did Experian plus the item back on my report the same day XXXX requested. Experian is also including the accounts utilization in my score. This account is a closed revolving account the balance should not be hurting my utilization as a CLOSED account. This entire system is not fair to the consumer if I as a consumer dispute an account I have to wait 30 days and 45s day now due to the pandemic but the credit furnisher can request an account be reinserted and that task was completed the same day without providing me any notice at all. They also again including the Utilization in my open revolving accounts while this account is closed. Please Enforce The Reinsertion Law at the Bare Minimum and make them remove the Permanently DELETE THIS unauthorized ACCOUNT

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 2020-01-16
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: Their investigation did not fix an error on your report

Complaint:
Dispute with trans union regarding XXXX XXXX at XXXX I co-signed a lease for my daughter the beginning of 2018. She was going to start XXXX University XX/XX/2018. I already paid an application fee which was not returned XXXX XXXX was unprofessional and disrespectful to myself snd my daughter They said they could not uphold the lease because my credit score was too low. That should have been determined before they allowed me to sign the lease The {$710.00} is in error because my daughter never moved in nor ever saw the apartment. XXXX XXXX Received another resident who moved in that same apartment and paid the rent they are billing me for something to receive double funds which is fraudulent. When I inquired about this the girls at the front desk said it was to move out her things which she never moved in or to clean up the place and again she never moved in They were incompetent and unprofessional, threatening that this would be on our credit report. I want this removed from our 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 explanation
Consumer complaint received 2018-07-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Synchrony bank has reported a charge off XXXX XXXX card on my credit reports. The claimed open date of this account was XX/XX/XXXX and the account is now being reported as closed on all three bureaus. The balance owed is reported as {$970.00}. When I reached out to Synchrony to inquire about the debt they wrote back stating that the debt had been placed with another agency as of XX/XX/XXXX. However, the balance is still reporting as {$970.00} through all three bureaus!! This is unfair and inaccurate reporting, as once the debt is transferred or sold to another creditor I no longer owe anything to synchrony bank, therefore the balance should be reported as XXXX. The current status of transferred/sold requires the current account balance to be {$0.00}. 

The following statements are quoted from the XXXX website ; " If the creditor has not sold or transferred the debt to a collection agency, the charged off account still will report the balance owed. Once the balance is paid, the account status will be updated to show Paid Charge off and the balance will be updated to XXXX. 

Often, when an account is written off or charged off, the creditor will sell the debt to a collection agency and the balance on the original account will be updated to XXXX. If so, you no longer owe the balance to the original creditor. Instead, the collection agency becomes the legal owner of the debt. ''

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 2022-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have asked Capital One XXXX to remove me from their mailing lists at least a dozen times over five years to stop mailing me marketing promotions but they refuse. They are sending marketing materials to an XXXX I have, XXXX XXXX XXXX XXXX XXXX. I am on all do not contact lists, personally & for this business, but they must not look at them or using them in their marketing programs. Please help me get Capital One XXXX to stop mailing me, as I have requested many, many times. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 was laid off from my job because of XXXX so I was kind of struggling in paying but I still did I was late and I still want these to be removed because I'm planning to get a mortgage and I know that these lates will affect my credibility.

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: Diversified Consultants, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was offered a settlement from diversified consultants for a  XXXX   XXXX  bill. I paid the {$200.00} to settle the debt. They have not corrected my   XXXX   credit report. I have spoken to representatives of diversified consultants and  XXXX . My 1st dispute was submitted on  XXXX   XXXX   2017 with  supporting documentation. They did not correct the problem. I submitted a second dispute on  XX/XX/XXXX  and I received the results yesterday and the update has not been corrected. The report still shows a balance of {$87.00} due and instead of the account being closed it says placed for collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-03
Company: CITIBANK, N.A.
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I attempted to withdraw {$60.00} from a CITI Bank ATM on XXXX/XXXX/15. No money or receipt came out of the machine, but nevertheless my Credit Union account was debited {$60.00}. 

I am trying to resolve my {$60.00} problem with my Credit Union but my concern is that no ATM should be set up to charge an account when no money is dispensed. The functioning of these machines should be examined. I attempted to find someone in CITIBANK to address this but they shunned responsibility, and blamed it on the XXXX store where the machine is located-which is of course ridiculous.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: DISCOVER BANK
State: NY
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
On XXXX XXXX, 2015 I have made an online payment to my discover card which covered my full balance. Once the payment confirmation appeared, it stated that all my future direct payments will be cancelled. On XXXX XXXX, 2015 an additional payment, in the amount of my usual direct payment, was withdrawn from my bank account causing an overdraft charge. On XXXX XXXX, 2015 I have contacted the discover card in order to resolve the issue. The representative I spoke with told me that the amount of the direct payment will be transferred back to my bank account, however the amount of my overdraft charge will not be returned and that I have to ask my bank for the refund of that charge. I explained to the representative that the bank did n't make any mistakes and will not return the fee since the charge was made and was covered by the bank. To which the representative replied that unfortunately discover does n't refund bank fees. I once again explained that the overdraft was due to the mistake made by discover card and discover card should be the party responsible for the charge. Unfortunately I was once again told that the money I had to pay my bank will not be refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-29
Company: EQUIFAX, 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:
Equifax has refused to follow my demand. I found unauthorized inquires on my consumer report. I am demanding them to be removed. ( XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: CITIBANK, N.A.
State: IN
Product: Credit card
Issue: Late fee

Complaint:
CitiCard has had issues with their online payment system for months. 
I tried everyday for 10 days to pay my bill, but their payment system was not working. 
I even called their customer service line to make payment, and was left holding and never made it thru to a rep. 
Finally ( after due date ) I was able to make payment via a customer service chat line. 
They are refusing to credit the late fee even though I attempted to pay them several times and their payment system did not allow them to accept my payment. 
It is their fault, not mine

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 2021-01-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/2020 I sent a residential affidavit due to the inaccurate variations of multiple addresses that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Agency used derogatory, XXXX  and offensive language while communicating with me about a debt. 
I contacted the original credit company that contracted agency but there was no change of agency. 
Agency ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) contacted me again via phone after they were sent letter to only send communication in writing and informed of rep using derogatory and XXXX comments. 
The bank ( original credit company, BOA ) was made aware of the tactics on more than one occasion but nothing was done to rectify the situation. The bank has a history of using companies that use these form of tactics with brown and black debtors.

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 2016-08-31
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
I would like to say I have citi card for many years and recently prior to my out of country for being in military. I requested them to dispute my charges on the card that was being in CA. 1. i do not reside there however I mention the charge also with the fact I do not have phone access they insist on telling me to call in when they already prior ask me what charges were they. There was no cancel on my card or offer to close out my card, I do not have the time to call so I have my wife schedule the payment to pay off the card. I am back in state but they do not seems to understand my needs. On top of that I mention being in service member have been troubling my communication and one time I was charge of fee because there 's an annual fee, of course I was not brought to attention until it was recorded into collection, they claim they have made contact with me before it went in collection. I would say there was no email nor any call made until my day marked on XXXX of the month. Their service are horrible I am assuming due to big banking they do not go into understanding of military member service and how it is hard for a contact to be made.

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 2016-08-06
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Payment history is being reported inaccurately by Equifax. This both lowers my credit score AND alters the DOFD, thus ensuring the negative account will remain longer than it should. 

I disputed this account information with Equifax ( XXXX ) and the dispute was completed on XXXX XXXX, XXXX. 

Subsequent to the completion of the dispute, I contacted XXXX XXXX directly, as they had previously sent an update to Equifax as a resolution to a CFPB complaint aginst them directly. I have the payment history in writing ( dated XXXX XXXX, XXXX ) from the original creditor ( XXXX XXXX ) and what Equifax is reporting does NOT match what the creditor assures me is being reported. 

The most egregious errors are Equifax reporting ( XXXX ) 90-day late payment in XXXX XXXX and ( XXXX ) 60 day late payments in XXXX XXXX and XXXX XXXX. These are NOT reflected on the payment history provided directly to me by XXXX XXXX and provided to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i sent letters on XX/XX/2020, to Equifax and XXXX  disputing the inaccurate and incomplete items that they are reporting on my credit.I haven't receive anything from them as of yet and I have attached copies of the letters below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My credit was being ran from XX/XX/XXXX to XX/XX/XXXX. Ive contacted Transunion to remove them many times and they have agreed to, yet theyre still on my report. Ive contacted all the merchants and they said only transunion came remove 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 2020-09-28
Company: EQUIFAX, 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:
Today ( XXXX ) I tried to open a savings account a a local credit union who told me they'd need to check my credit. No problem, it's over XXXX XXXX. 

They say they use Equifax. I have a freeze on my accounts so they told me I'd have to lift the freeze with Equifax. For over an hour I have been yanked around trying to lift this freeze with Equifax. Their website said it didn't recognize the password. When I hit the line to rest my password it replied that it didn't recognize my information ( already triple checked for accuracy ). I called. Got the standard forever time-wasting and utterly useless recorded ads and messages wasting my life further.

After struggling to talk to a live human, I finally got one. After 30 minutes of answering irrelevant questions like what department store credit cards do I have ( none ), etc., dozens of questions again and again, many I'd already answered. Then I'm told they can't confirm that I have an Equifax account ( though they've already admitted they do indeed have a freeze issued by me ) and I must send them my driver 's license and SSN card and 'sign documents ' or they refuse to lift the freeze. I tell them I have the ten-digit PIN that Equifax itself issued me, but then they say, oh no, we don't recognize PINs anymore.

So ... here I am, a citizen who has " excellent '' ( look it up ) credit being criminally barricaded from obtaining a savings account to due to Equifax malfeasance. I asked to speak to a supervisor who said his name is 'Dane XXXX but refused to give his last name. He merely repeated the same barricade procedure. 

I submit that this is all just a designed buffer process to avoid the expense and effort to establishing and lifting freezes. It is criminally crooked. It is intended to never end and to frustrate consumers until they shut up and go away, saving Equifax money. I have worked hard to establish " excellent '' credit but owing to Equifax 's intransigent, stubborn incompetence I am permanently blocked by them from opening a savings account. It's criminal. It's crooked. Consumers don't deserve to be so abused by credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
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: Account information incorrect

Complaint:
XXXX XXXX is incorrectly reporting my account as charged off. Any account for me ( XXXX XXXX XXXX ) with XXXX was paid in full.

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