BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-20
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This happened in XXXX of XXXX. 

So I signed a lease at XXXX on XXXX in XXXX XXXX. Before I put any deposit money down, or any rent of any kind, my financial situation changed because of COVID-19 and I informed them I was no longer able to afford to pay rent. They told me I had to pay to get out of my lease and find someone to take over my lease ( which hadn't even be legally started ) I hadn't put any money down and couldn't afford to pay their fee. I contacted them and they told me " tough luck ''. I didn't pay and didn't move in. I started to get aggressive phone calls and emails about how I needed to pay a sizeable amount of money or otherwise I would be evicted ( once again, I never moved it, never put a deposit down, and also they legally couldn't evict me even if they wanted to because of a COVID-19 eviction moratorium in place ). They sent me a notice through e-mail saying I had been evicted and to return any keys ( didn't have any keys as I never moved in ). Then they got a collector to try to collect {$10000.00} from me. The collectors called me repeatedly and when I finally picked up the phone and explained the situation to them, they laughed at me on the phone and said " good luck with trying to get out of it '' even though I had never moved, never put down any kind of payment, and now I was being demeaned by a collector. The collector has been adding more money to what I owe them on my credit report and they're trying to scam me for a debt I legally do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Experian Information Solutions 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:
Negative accounts are reporting on my credit reports that's impacting my credit scores XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-08-24
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
When I first applied for my first of two loans back in 2011, they ended up talking me into a payment plan that would allow me to repay while in school at a lower rate. Once the grace period ended, my rates went from 4 % to a staggering 9.12 % without any warning. I 've tried numerous times to do an income based plan, or something else but because of the type of loan I have ( The " Smart Student '' Option ), I 'm not allowed to do, or even to do deferment. All I can ever hope for is Forbearance, which makes my rates go up while I try to play catch up. I want to pay back my loans because that 's the right thing to do, but I need them to work with me as well and they clearly do n't care about their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair act, XXXX XXXX XXXX  Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency connot furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Consolidated Information Services Solutions, LLC
State: TX
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:
I was alerted by my credit card company that there was a new pull on my credit. by a Universal Credit Services. I did not authorize this pull and would like to have it removed from my credit report. I

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: Experian Information Solutions Inc.
State: CO
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:
Multiple disputes for error on Bankruptcy date. Multiple requests under the Fair Credit Reporting Act for a copy of the document they are using which have been ignored. I believe I have a right to the proof of the reported information other than an electronic verification. I clearly requested this and Experian refuses to provide the proof.

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 2022-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
This account XXXX inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The Credit Bureau is reporting inaccurate information on CAPITAL ONE. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I FILED A DISPUTE LAST XX/XX/2021 WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 43 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2022-01-20
Company: BARCLAYS BANK DELAWARE
State: FL
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:
Barclay 's Bank says that I have an outstanding bill for {$620.00} on a Jet Blue Plus credit card that I never signed for, authorized, used or owned. 

I have contacted them several times to explain that the charged amounts were not authorized. The last time I called, I was told that they no longer have my account and it was turned over to a credit collection agency. 

These are examples of the charges that they say I have incurred : XX/XX/XXXX Standard purchases {$680.00} XX/XX/XXXX Total fees charged in XXXX {$280.00} XX/XX/XXXX Late payment fee {$29.00} XX/XX/XXXX Late payment fee {$40.00} XX/XX/XXXX Late payment fee {$40.00} XX/XX/XXXX Total interest charges XXXX {$33.00} I am XXXX XXXX XXXX and have never had a credit problem. I am finding this situation very difficult to deal with. 

I truly appreciate any help you can provide. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2022-01-20
Company: ALLY FINANCIAL INC.
State: NJ
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:
I noticed inquires that I have not authorized on my credit report and I would like for them to remove immediately.

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 2022-08-04
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/22 my Citibank debit card was declined. I tried to check my balance at a bank ATM, and was unable to log on and was given a number to call and a code to refer to. I called the number and could not get any information about why my account was down, but after three separate individuals failed to get any information was given a number and option to use for answers.

Since that point I have tried many times to reach this department. The wait time is always stated as " over thirty minutes '', and every call has been disconnected at around 15-20 minutes. I have tried speaking with supervisors over the phone. Attempts to use the Citibank website to contact anyone have failed as no information or contact is available unless you log on, and my logon has ALSO been locked. 

I finally found contact emails through third party websites. This morning ( XXXX ) I spoke with an individual who confirmed that a ) yes, my account is locked, b ) they can't give me any info about why or whether I am at further risk, c ) they have literally no other way to find out than to call the same number and option that I am using, and d ) because THEIR time is valuable they can't wait the half hour plus to find out. 

I am locked out of my account. One rep slipped up and said that this is usually because of " fraud ''. I have tried everything short of going directly to the bank branch that started my account, and even though I have been told over the phone this will not do anything I'm going to try it anyway. This is insane.

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 2022-01-20
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Someone stole a Federal Student Loan check in the amount of {$9800.00} issued to me by XXXX XXXX XXXX XXXX ( XXXX, NY, partner bank Key Bank ) and was able to open a fraudulent account at XXXX XXXX XXXX with only my name as it appeared on the check and then cashed the check on XX/XX/XXXX. No verification was done. XXXX  XXXX XXXX denied a claimed filed by the issuing bank ( Key Bank ) claiming that the check was " deposited into an account with my name '' no other biographical information was associated with me. Another department of XXXX XXXX XXXX confirmed that the account was not mine and sent me a statement confirming that I did not have an active account since XXXX. I have contacted the Fraud Department of Key Bank to no avail. Now no one wants to accept responsibility for their negligence. How do you open an account with just someone's name? and how are you able to cash their check with no verification?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/19 my mortgage lender tried to pull my credit so that they could get me pre-approved for a home loan. I was advised from my mortgage lender that when they pulled my credit they were unable to see any data on my Equifax and that they would not be able to pre-approve me without this information. My mortgage lender recommended that I call Equifax and inquire why my information is not reporting. At XXXX cst, I called Equifax at XXXX and spoke with a lady that was able to pull my file and confirmed that all my personal information was reporting correctly and that she does not see why the mortgage lender is not able to see my report as I do not have any alerts and/or freezes on my report. I asked her for my report number so that I could give it to my mortgage lender in hopes that it would help. She gave me my report number and also gave me their Business Line number ( XXXX ) to give to my mortgage lender. I called my mortgage lender back and gave him all the information. On XX/XX/19 at XXXX cst, my mortgage lender informed me that he pulled my credit file again and that Equifax is still not reporting a credit score and not showing any information on my file. He asked that I call them again and ask why they are not reporting my creditors and information. At XXXX cst, I called Equifax again at XXXX, the first guy I spoke with told me that this is not their responsibility to report my information and that it must be a typing error on my mortgage lender. I assured him that my mortgage lender has all the correct information and that I need to know why my credit file is not reporting a score and any of my creditors. He kept reiterating that it is not their responsibility and that it is an error on the mortgage lender. I simply hung up and called again. The guy I spoke with this time informed me that he does not understand why the mortgage lender is not able to see any information. He confirmed that my name, address, SSN, and birthdate were all correct ( the same information that the mortgage lender has ). He asked if he could put me on hold to speak with another representative on why this may be happening as he has never heard of this issue before. When he returned to the phone he informed me that my name may be the issue and that the mortgage lender needs to use my middle initial. I let my mortgage lender know that they may need to use my middle initial. My mortgage lender informed me that they have tried with and without my middle initial and has even tried my maiden name. Every variation they have used on my name to attempt to pull my Equifax credit file has turned up " blank ''. They are able to see my XXXX and XXXX  reports without any issue but Equifax is showing nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
They broke the law as per fdcpa is intended to secure my right to privacy i did not give them written consent to report on my behalf.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Convergent outsourcing attempting to collect on a XXXX XXXX account that doesn't exist. They harass me and report the account on my credit, when I call XXXX XXXX no account or withstanding balances exist.

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 2017-04-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Since  XXXX    XXXX   I have been trying to get my free  credit score form Experian. My credit score from   XXXX  is  XXXX . M y credit score  from   XXXX   is  XXXX . But my FICO score is  XXXX . Experian will only provide me with a very truncated credit report and no score. Experian also wants me to pay for  my credit score. I  refuse to pay and Experian provides not alternative.

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 2022-01-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
They broke the law as per fdcpa is intended to secure my right to privacy i did not give them written consent to report on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: ENCORE CAPITAL GROUP 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:
This is the third complaint I am filing against Midland Credit Management. This company continues to report an alleged debt that I have not validated. On XX/XX/2022 Midland Credit Management and I had a court hearing. Midland failed to provide any documents proving their claim and also failed to appear in court. Due to this, the complaint was withdrawn. 

Following the complaint withdrawal, Midland continues to report this alleged debt, which they have no proof of to all credit reporting agencies. This is a violation of 15 USC 1692j ( a ). 

I have made several attempts to obtain any proof of claim from Midland Credit Management via phone and certified mail. Midland has not provided and documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-22
Company: BSI Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: Prizm Financial Company, LLC
State: OR
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX Prizm Rep, XXXX XXXX stated in an email that XXXX would likely, " write-off the deficiency '' for a vehicle I voluntarily surrendered. This was supposed to be a compromise and settlement to previous unethical and illegal practices I experienced by XXXX XXXX. However on XX/XX/XXXX I received a letter from XXXX XXXX, Prizm 's " Legal Collections Manager '' that stated I owe {$9100.00} to XXXX because " The proceeds from the sale of the vehicle were insufficient to satisfy your loan obligations. '' I was led to believe this issue was resolved however it was just another ploy to take advantage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation