BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-13
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Number : XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I am writing because I noticed some inaccuracies on my credit report that is damaging my score and needs to be updated immediately. This bank is reporting XX/XX/XXXX and XX/XX/XXXX as late payments however, according to the fair crediting act, US code 1681s- 2, reporting information during covid19 pandemic the covered term period began XX/XX/XXXX through the ending on the later of 120 days after XX/XX/XXXX. This closed collection account is also reporting an incorrect monthly payment of 102 and the status of the account says 'current '. Due to the multiple errors this account is reporting, please remove this account from my report indefinitely.

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 2023-08-15
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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: EQUIFAX, 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 your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-02
Company: ERC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collections is not from original creditor. I do not owe ERC-XXXX {$1400.00}. I never heard of ERC. I never did a contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Portfolio finance I set up payment arrangements, and they have taken funds from my account. 
i have called them for 2 months, was told they would close court case. They never sent the attorney docs for me to sign. 
They are taking me to court even though they are already taking payments from my bank account. 
I've called them several times, asked for manager to call and asked for attorney to call. they never have and my court date is today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: NCB Management Services Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
NCB MANAGEMENT SERVICES # 1953 is violating several FDCP laws. I do not know this company. I have never signed a contract with this company.

PC 530.5 states that every person who willfully obtains personal identifying informationof another person, and uses that information for any unlawful purpose, including to obtain, or attempt to obtain, credit, goods, services, real property, or medical information without the consent of that person, is guilty of a public offense.

A previous request for them to produce the ORIGINAL CONTRACT of this debt with this company has not been received, yet they continue to violate my rights as a private consumer. They have violated the following 15 U SC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt.

15 USC 1681 ; Harass and oppressive use of intercourse about an alleged debt.

15 U SC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) Violated 15 U SC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( are not a party In the alleged debt )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021

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 2022-07-05
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting 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 Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America has XXXX in my checking and they froze my account on XXXX XXXX and never told me. I tried to move money to my BofA savings and tried to withdraw from atm and they wont let me. When I called I spent hours and all they say is your account is being reviewed we will let you know THEYVE STOLEN MY MONEY ( well I hope I get it back but Ive already lost the opportunity cost ) I wanted to get a higher interest rate and move it to the savings i have with them but they froze my account with no warning, no notice, and they continue to give me no reason why after a week and a half. I cant even buy a hamburger right now, cant get a dime from my checking and they refuse to tell me why.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: GreenSky, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/XXXX we met with XXXX XXXX ( XXXX ) of XXXX XXXX ( XXXX ) and agreed to purchase hurricane proof replacement windows for our home totalling {$30000.00}. We agreed to this purchase based on the financing offered through GreenSky Program Plan XXXX, where the first 18 payments would be reduced to " interest only '' or {$150.00}. After the initial period the payments would be {$300.00}. On XX/XX/XXXX XXXX called us by XXXX to say our loan was approved. 

After the windows were installed I received the consumer note that showed the full payment amount due for the length of the loan with no reduced payment for the introductory period. I contacted the bank customer service department at XXXX where I was informed my first 18 payments should be {$150.00}, which agreed with what we were initially told. That the paperwork we received was wrong and would be corrected. 

We received our first statement where the payment amount due on XX/XX/XXXX is {$340.00}! I contacted customer service where I spoke with " XXXX '' who informed me the plan XXXX we applied and was approved for ended on XX/XX/XXXX and our loan was approved on XX/XX/XXXX and there was no introductory period where the payment was interest only anymore. Sorry. 

I contacted the finance manager at XXXX XXXX. They were not informed of the change in the program and continued selling it for weeks after GreenSky made the change. They have complained to GreenSky without satisfaction as well. We are not the only consumers damaged by the lack of communication by the bank. 

I am a XXXX XXXX Veteran on a fixed income. We moved forward with this transaction after determining that the initial 18-month period of lower payments gave us time to sell and close on property we still own in Ohio. Now we are faced with financial hardship making higher payments than promised and budgeted for. 

I feel that XXXX XXXX  and myself did our due diligence. Without information from the bank to the contrary, it was reasonable for us to believe the program was still in force and we were reasonable to anticipate the payment program we agreed to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Chime Financial Inc
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had an issue with my bank card and canceled it. I realized that I had a deposit coming in and wanted to call Chime and asked make sure that it was not gon na affect my deposit coming in so I looked on XXXX and found Chime customer support and called the number that was advertised on XXXX. The gentleman that answered the phone actually said job support and how can I help you and went through the process of asking questions that was very legitimate sounding stuff to walk me through the steps to make sure that I was who I said I was made me believe everything was legitimate and that I was in good hands with the support team. as the conversation went on he had me download an app on my phone so he can mirror my phone which Im the XXXX fool yes but Ive reported this to my real Chime bank and explain to them the situation they filed a dispute but they denied the dispute and they didnt give me a reason why they just said they were not the first they said they were going to cover the money that I would get reimbursed for it that I was covered because it was an authorized transfer and then I guess they decided that they werent going to take care of it and I feel like Ive been done wrong but I feel like they should cover it because I did not authorize this money to be transferred into someone elses account its {$540.00} that I didnt have to send somebody to rip me offAnd theyre advertising on XXXX which is supposed to be from what I understand a safe site to go to define what information I need to search the web and do what I need to do I feel like something needs to be done to ensure that people are not getting scammed by these people and I feel like Ive been let down

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I disputed a charge of {$250.00} from a merchant that has a history of not delivering the product that is paid for. 
The bank issued me a provisional credit while the investigation was on going. On XX/XX/XXXX the bank sends me a letter letting me know on XX/XX/XXXX, that they will be removing the credit from my account and that they have sided with the merchant and there was nothing else that can be done. Which is a lie. Their investigation is flawed. I provided all documents to prove my case and they still failed to protect me. 

My bank refused to perform a thorough investigation on my behalf. Instead of having empathy and knowing the law, they decided the case in favor of the merchant because they felt that I should have done " more research on the company ''. Which is WRONG. Regardless of those ridiculous claims, the merchant has no rights to keep my money for services NOT rendered. I don't have anything that belongs to the merchant therefor I should have my money back! 

Merchant blocked me on social media, blocked my phone number as well. I was finally able to reach her through XXXX ( a merchant service company where my card was processed through ) she told me that she would refund me but is now making excuses as to why she currently can't which I don't believe. 

If Citibank did their job this wouldn't be happening!

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 2022-02-14
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
i posted a request on a XXXX group of freelancers many inbox me for their offers among them i accepted XXXX XXXX XXXX for the job i checked his profile everywhere and he seemed to be indeed a very professional person with a good IT background so we started the deal and he requested me to pay advance to be on the safe side, i sent him {$20.00} on XXXX XX/XX/2022 as from then he told me he will start the work feeling something weird, i made out a plan to tell him i need the project asap until yesterday XXXX XX/XX/2022, he told me i will get the work at end of night at XXXX on XXXX XX/XX/2022, he messaged me on XXXX saying : " XXXX XXXX not well my health is too much down please search another developer for your project. 
And send me your account details I will transfer your money. 
And am not able to reply you am in high fever hope you understand Thank you '' i knew he finally managed to scam me out of anger we had a discussion and he blocked me saying he will not refund my money because we discussed the {$20.00} advance payment was made through the XXXX payment XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I received a letter from The Home Depot Citibank card services that there was possible fraud activity on XX/XX/XXXX. I called XX/XX/XXXX to update information and get a new card. There had been charge attempts, but they declined per the representative. My spending limit had also been increased from XXXX to XXXX, which I never authorized. My online account had seemed to be hacked so I changed my password, updated security questions, and added email and text notifications. In the middle of all this I realize that when adding my husband onto the account as an authorized user years prior they actually removed my name and replaced it with his. Meaning the account was his name and my DOB and SS causing even more confusion on who they would speak to regarding the account. Two weeks later, XX/XX/XXXX or XXXX, I logged into online account to find an estimated {$3000.00} charged to the account. I called CitiBank again and was informed that the card was never closed or reissued. They then closed the card, reported the charges as fraud, and issued a new card. Still having to deal with his name and my ss and dob. New cards were received and locked in safe. XX/XX/XXXX, I receive an email that my online account had activity again, so we called Citibank and requested that the credit account and the online account be permanently closed. The representative tried to convince me to keep the account and they would send me yet another new card and I refused. I will follow up in a week with them to confirm the account is 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 2022-02-14
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: Old information reappears or never goes away

Complaint:
XXXX XXXX, XXXX North Carolina, started reporting an old debt that I originally was not able to pay starting in XX/XX/2014. On my credit report they closed the original account in XX/XX/2014 and re-opened another in the same month, placed it on my credit report and began reporting as charges office since that time. Ive asked the credit bureau to remove this account because it is past the statute of limitations yet, it has not been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-14
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Checked my credit report. I see some of my old accounts that were discharged but so accounts are not showing.

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 2023-01-19
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Amex approved an XXXX XXXX XXXX with {$14000.00} as a limit. After a few months without notice, decreased the limit to {$700.00}. 

I want a complete and detailed : - date of account opening and limit - history of spending and payments - explanation for the credit reduction - proposal to keep me as a client - any fees I already paid All communication will be through Consumer Financial Protection Bureau, plus I want a written letter mailed to me. Standard and robotic copy and past letters will be trashed, and a new complaint will be opened upon receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
The company charged me for Automible insurance when I already had it. I sent in my proof several times and they kept saying they didnt get it. They added it onto my loan which increased my monthly payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation