BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-08
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Totally impossible but always happens Experian working on issues. THIS S A COMPLETE FABRICATION BECAUSE THIS IS A STALL TACTIC LIKE ALL THE OTHERS

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 2024-01-07
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Macys/citi bank credit card company XXXX closed my account for the amount of XXXX . The amount was paid in store and my account was still closed.

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 2024-01-08
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company is trying to collect a debt that was NOT validated upon request by Citibank. 
Citibank then sold the " uncollectable '' debt to this collector. By virtue of laws and statutes, the failed validation by Citibank carries for the debt itself, and is DOES NOT become collectable because is was sold or purchased by a third party debt collector. The debt is still uncollectable, may not be reported, and is no longer subject to litigation by Federal laws. This company has been noticed and given XXXX hours to remove any and all derogatory information from reported trade lines. failure to do so will lead to litigation by myself, the claimant, against the collector and Citibank. 

Under the guidelines and Federal laws supporting validation of debts, and the companies failure to meet the standards, I demand the derogatory information be removed with prejudice.

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 2024-01-08
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Purchased a vehicle from carhop. The vehicle never ran broke down the day I purchased I have been paying they keep telling me Im late for on the vehicle, but I have been paying now they seem to not be answering the phone and will not help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Today is XX/XX/2024 and Select Portfolio Service has not sent my monthly statement, Or my annual mortgage statement. There are thousands of complaints about Select Portfolio Servicing deliberately not mailing out customers mortgage statements so they can charge late fees. I have filled complaints about this issue. I have a paper trail of deceitful, fraudulent acts committed by Select Portfolio Servicing. They have copied and pasted my name to fraudulent documents and forged by name to fraudulent documents. Select Portfolio Service is a corrupt company. The law requires mortgage lenders or servers to send out monthly statements for each billing cycle. As well as an annual mortgage statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to formally complain about the numerous unsuccessful attempts to remove charge-off accounts from my credit file. Despite multiple efforts to rectify this matter, the unresolved charge-off entries continue to negatively impact my credit report, hindering my ability to obtain credit and financial opportunities. 

I have made persistent efforts to address and rectify these issues by submitting disputes, providing supporting documentation, and communicating with your representatives. Unfortunately, these attempts have not resulted in the removal or correction of the charge-off accounts, and they persist on my credit report. 

The prolonged presence of these charge-offs has had a detrimental impact on my creditworthiness, making it challenging to secure favorable interest rates, obtain credit, and negatively influencing my overall financial standing. 

I request a thorough and immediate investigation into the matter to rectify the inaccuracies on my credit report. I expect a detailed response within the exact timeframe acknowledging the receipt of this complaint and outlining the steps that will be taken to address and correct the charge-off accounts. 

If the necessary actions are not taken promptly, I may be forced to escalate my complaint to regulatory authorities and seek legal counsel to protect my rights. I am asking for your assistance to remove these charge off accounts in my credit file : XXXX XXXX Balance : {$8700.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX XXXX Balance : {$250.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.

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 2023-11-28
Company: Kriya Capital, LLC
State: ID
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Individual out of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX and account was closed XX/XX/XXXX for stop payment. Then the account was sent to collection agency. I was able to get it removed previously but XXXX XXXX XXXX again sent the report through another collection agency Credence. However, nothing I do has stop the activity of this individual. Tonight XX/XX/XXXX the same individual applied for a credit card account with XXXX XXXX XXXX. I was able to get the application stopped and cancelled for identity thief. I have all my credit bureau frozen so that application did not go through. I have not been able to prevent any activity that does not require a credit report such as checking, savings, or Telecommuncation companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX. Account name : XXXX XXXX XXXX. However, they stated everything was complete and accurate. I requested for the documents showing steps taken by credit beaureu doing investigation. I never recieved it. I disputed with both creditors and credit bureau on multiple occasions to keep getting generic system replied. My FCRA has been violated on multiple occasions from XXXXXXXX XXXX equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13
Company: Experian Information Solutions Inc.
State: NY
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 ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX 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 2023-12-28
Company: Westlake Services, LLC
State: GA
Product: Credit reporting 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:
applied for credit at XXXX XXXX and they ran my credit through the data base multiple times without my consent.

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 2023-12-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: In progress
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2023-11-09
Company: Applied Data Finance, LLC
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
this company has been negligence to direct contact and credit bureaus request of validation of the account reported to credit file. I have sent several police reports to the credit agencies as well as FTC reports that back up my claim of this fraudulant account that has been opened up in my name unkowingly. I have made several attempts in the past 2 years to fix a disaster of identity theft done on my personal Identity. I have yet to have received any evidence of an investigation with Personify and I have been left distraughtly damaged, stressed and neglected. I do not understand. Please have this company investigate this fraudulant account opened in my name and if then delete this account from my credit profile. If not, I will further discuss matters with an attorney to seek legal actions to compensate for damages of negligence, defamation, XXXX and XXXX. 

account number XXXX XXXX XXXX XXXX XXXX last XXXX social XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-30
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX, I paid my XXXX XXXX XXXX card in full and cancelled the card. On XX/XX/XXXX, I recieved a XXXX bill from the card which was XXXX in unpaid fees and XXXX in interest. When I called to complain about receiving interest and fees after paying the card in full. The person said it was in the contract. I thought they should have added no fees or after I cancelled the card and paid it in full.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am a victim of identity theft and I have tried to contact the credit reporting agencies. They are not processing my disputes correctly and not attaching my FTC reports to the disputes. I have asked for copies of the verification process and never get 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 2023-09-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-09-20
Company: Chime Financial Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Chime issued me a virtual card without my knowledge that i did not consent to a new card and they locked me out of my cash iin savings, io disputed all charges i incurred while at work or the store was closed..XXXX  listed as merchant no claims they are not the merchnat and repeatedly charged my card for ridicuous quantities of items bank statements dates, amounts just dont match anything in my XXXX or XXXX history and several purchases made in one visit at XXXX,, I have XXXX.. I mow my lawn that is it. And i was at work to boot, I can document the time and date. This has been dragged out since XX/XX/XXXX  when i never received {$77.00} worth of seeds.. and no tracking number for proof of delivery. and then it was none stop and i lost my son and my husband was diagnosed with XXXX and I had paid no attention to my accts because i did not access them or need to access the accts and i had no reason to check.. but some {$1800.00} is gone with nothing to show for it,, and the XXXX rreceipts get emailed and a hard copy if I even set foot in a XXXX.Chime is telling me i have no proof of purchase.. and that is exactly right! Nor do I have a tracking number to verify the delivery. I am addresseed in emails as XXXX,, that is not my name of nicknmae.and chime permitted my husband access to my account by verifying my dob and last 4 of my social and we have not in 24 years of marriage ever shared or had a Joint Account. So somebody else has my infoand linked unknown newky isssed virtual card to my chime app,, and again unknown attempts are being made.. i have XXXX cents in the account! nobody will provide me with one single tracking number but XXXX did offer to send me a dress... ..no clue!! I dont do commerce on the Sabbath.. and I start work at XXXX XXXX XXXX,, i work form home... I would not be at XXXX making several transactions at XXXX XXXX... .or sevral transaction... I owuld make one transactionone time,, and i dont shop ay XXXX... I shop at XXXX  they have ignored my requests for over a year now and they keep replace debit cards without consent and are interferring with mu financials as if i granted poa to all of them-

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed or omitted. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022

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 2023-12-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company response to consumer: In progress
Consumer complaint received 2024-01-19
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Rooms To Go credit card managed by synchrony Payments are due on the XXXX of every month XXXX payment was made on XX/XX/15 Received an overdue notice with late fee. I called customer service and was told I paid when the statement was generating and therefore it doesn't count. Asked for policy in writing that says you can only pay between certain dates and they would not send but did remove late fee. Today I am being told my account is delinquent and I must make a double payment. Spoke to them again and was told I paid a day to early. I Requested they apply that to the XXXX bill and they said the request was denied. Went up the chain and requested again and was denied. I also requested something in writing that lists restricted dates and they couldn't or wouldn't send it to me. I asked to speak to manager and was denied.

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