BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-01
Company: CITIBANK, N.A.
State: GA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Affidavit of Truth STATE OF GEORGIA XXXX OF XXXX XXXX XXXX XXXX, being duly sworn deposes and states as follows under penalty of perjury : XXXX. My name is XXXX XXXX XXXX, I am presently XXXX XXXX XXXX, and my current address of residence is XXXX XXXX XXXX XXXX, XXXX, GEORGIA XXXX. 

XXXX. Notice to all, I, am that I am, the consumer, in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name/middle XXXX, XXXX XXXX, and XXXX have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX XXXX, and autograph as the agent XXXX attorney, in fact, so be it ; and ; Whereas, I of age, of majority, give this herein notice to all, I make a solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : 3. Fact, I am the original creditor and I extended your organization credit in the consumer credit transaction, so be it, and ; 4. Fact, I was required to provide a Social Security Card number on your credit card application in this consumer credit transaction, so be it, and ; 5. Fact, I never knowingly authorized nor knowingly gave any person/organization permission actual, implied, or apparent authority to use my consumer credit card for this consumer credit transaction, so be it, and ; 6. Fact, I never received documentary proof of no such evidence of indebtedness in this consumer credit transaction, so be it, and ; 7. Fact, I have not benefited from this consumer credit transaction but only been harmed mentally and financially by your unfair credit card practices, so be it, and ; 8. Fact, I was never aware of the transaction, which left me in the dark about the cost of the transaction. This caused me to make an uninformed decision which resulted in numerous billing errors, and unfair credit card practices, so be it, and ; 9. Fact, I was never provided adequate notice that clearly and conspicuously mentioned the pertinent facts of this consumer credit transaction therefore I couldnt reasonably understand its meaning. This lack of understanding placed me at a disadvantage from the beginning of this consumer credit transaction, so be it, and ; 10. Fact, I believe that a deceptive form was designed, prepared, and provided to me in order to collect an alleged debt that I, the consumer, allegedly owed to the alleged creditor, so be it, and ; 11. Fact, the affiant is aware and has proof in the attachment labeled as Exhibit A that SHOP YOUR WAY is in violation of 1006.30 ( e )

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 2020-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Hello good morning my name is XXXX XXXX, I have a bit of a story with this and I hope you are willing to listen. 

In XX/XX/XXXX I was approved for a XXXX  XXXX XXXX XXXX. I was highly appreciative of it since I have had credit issues in the past and I was happy to be given a chance. 

I used this card a fair bit but during my credit rebuild it appears I somehow disputed this card with the credit bureaus and on XX/XX/XXXX I received a phone call from you that the card is currently under dispute and will be locked. I was given the following contact information ; Please call XXXX XXXX XXXX XXXX extension XXXX. I will also attach the voice mail to this email for you to listen to. 

After I called her back I was told the account was disputed and is currently locked. Of course since I was going through a rebuild I was highly concerned about my credit since I knew there was an amount due on it I asked to pay this since I didn't want any issues with my credit. I was told since it was in dispute 1 ) I could not make a payment but not to worry since it was frozen and could not report late 2 ) If I wanted to reinstate it you could fax me a form and after you verify with the credit bureaus you would consider reopening the account. 

I faxed this paper to you on around XX/XX/XXXX give or take a few days. Again your representative told me I could not make a payment but not to be concerned. 

After reviewing my report it turns out the following has happened 1 ) XX/XX/XXXX you gave me a 30 day late payment I would like the following actions 1 ) Remove the late payment since it was impossible for me to pay and I was clearly told by the above agent I would have no late payments and not to worry I have tried to contact your staff including the person who helped me before, I have also tried to dispute this with the credit bureaus and neither has been successful. The fraud agent just take around 30 minutes and then tell me to write a letter. The Credit bureaus just verify both as correct data. 

Please help me. 

In the meantime you gave me a new credit card account in XX/XX/XXXX, which I currently still do use. 

Currently I have the following with you 1 ) XX/XX/XXXXXXXX XXXX XXXX 2 ) XXXX  XXXX XXXX  XXXX 3 ) Checking account 4 ) Savings account My phone number is XXXX XXXX XXXX. 

My full name is XXXX XXXX and the last four digits of the card involved is XXXX. 

I look forward to a 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 2021-06-28
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX when corresponding with Chase re : mortgage loan ( ... XXXX ) payoff due to an investor interested in purchasing, learned that the balance/payoff on account was over {$29000.00}. When I inquired by secure message on CHASE account website, what happened to my 15year mortgage request of XX/XX/XXXX to rehab historic property, CHASE responded three times that my payments were on time and my account up to date. The representative would also include account activity confirmation. So, when reviewing the account activity, I inquired if my 15 yr home loan was processed as an interest only account ( heard about on TV ) because the chart showed that even though monthly payments in excess of minimum were most often made, the balance remained in the $ XXXX 's for at least 5 months ( for example, reference : XX/XX/XXXX - XX/XX/XXXX on attachment ). I was finally advised finally the account is a 20-year Home Equity Loan yet no explanation re : what occurred to breakdown communication 15yr home loan request. It is my opinion that I was discriminated against in many ways by CHASE as they did whatever they desired.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: ONEMAIN FINANCE CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I took out a debt consolidation loan with XXXX XXXX XXXX in XXXX XXXX, CA. They took my pink slip to my car as collateral. The payment is due on the XXXX but is not considered late until the XXXX. However, the company starts calling incessantly between the fist and the eleventh. I mail my check to their headquarters back east. They would prefer I call and make a payment over the phone. I feel they are harassing me. I have asked them not to call me anymore, but they persist. I had to block them from my cell phone, but they persist in calling from an unknown number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: Roycroft Management
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I and my family ( current and past ) members have received harassing phone calls froma person identifying themselves as XXXX XXXX, phone number, XXXX with XXXX XXXX XXXX trying to get my address ( which they have already and have left on voicemail ) to  deliver papers for a company called XXXX XXXX XXXX ( XXXX ). They call my business phone repeatedly every day, sometimes several times in a row if no answer as well as my cell phone. I contacted XXXX and asked their address so that I could send them a cease and desist letter. The person I spoke with identified himself as XXXX and refused to give me the address due to security and privacy reasons. I continued to ask the address and he hung up on me. I called back and he continued to refuse to give me the address. Ten minutes later, I received 3 calls in a row at work and one on my cell phone from a different number, XXXX, left a message on my cell number advising he was the legal representation of XXXX and received a complaint on me and needed me to call back. I did not contact them again, as I didn't see the need in arguing over the phone whom was actually harassing whom. He identified himself as XXXX XXXX, phone number, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There is inaccurate information that keeps getting " verified '' by equifax. XXXX XXXX is reporting negatively and its paralyzing me from moving. XXXX has told me they removed this account on XX/XX/XXXX but it still remains. Its removed off of XXXX. They told me 60 days which makes no sense and damages are still occuring. 

I called equifax to mail them the letter of proof from XXXX  but the unprofessional foreign agent would not oblige. I shared with him im a XXXX veteran unable to send this document by mail and he told me thats it tough luck pretty much. 

This is not right! EQUIFAX HIRES THE CHEAPEST PEOPLE WHILE IT AFFECTS MY LIFE I NEED THE FAX NUMBER AND THESE ITEMS DELETED THIS IS AGAINST THE LAW!! 

Difficulty submitting a dispute or getting information about a dispute over the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions 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 have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the ftc report. If this situation is not handled accordingly, i will seek legal action against you guys.

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 2023-01-01
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The company did not remove an account from my report after the XXXX sent information about an investigation on the account and deemed it to NOT BELONGING TO ME. I have a letter from the furnished stating that they have investigated and found that the account did not belong to me. This letter is from XXXX XXXX XXXX  and is on letterhead. 

I have attached the letter and the credit bureau needs to completely remove the account from my credit profile immediately and send me a full report and confirmation of this deletion from my profile. 

ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: Penn Credit Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am getting letters in the mail and phone calls from Penn Credit that show the debt to XXXX XXXX XXXX in XXXX, Arizona. However, I never had any debt, the balance on my XXXX account is XXXX and I always paid all my utilities way before the deadline! 

When I am getting phone calls from Penn Credit, representative refuse to tell me what they are calling about, but request me my sensitive personal information, like my address. Obviously, it is not save to give my sensitive personal information to somebody who call me for unknown reason. I believe that by such request Penn Credit violates the laws that protect my identity. The last such call from Penn Credit with described scenario happened today, XX/XX/2018, before noon of XXXX XXXX XXXX. 

When I am calling to XXXX XXXX company to resolve this issue, they pretend to be an idiots, are totally unqualified to help me with this issue, and do not make any notes about my phone calls on my XXXX account, so next time XXXX representative do not believe me that I already called them about this issue!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EdFinancial Services
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Requested refund of overpayments for : Loan XXXX Direct Loan Subsidized. Overpayment of {$520.00}. Still shows negative balance, Treasury has recevied no request to refund. 

Loan XXXX Direct Loan Unsubsidized. Overpayment of {$410.00}. Still shows negavtive balance, Treasury has received no request to refund. 

Demanding refund of overpayments made.

Company response to consumer: Untimely response
Consumer complaint received 2020-02-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
USAA demands all fraud reported be turned into disputes that then place temporary credits listed as adjustment purchases. The internal temporary credits do not apply until they are made permanet. See statement XX/XX/XXXX. The temporary credits list as other credits {$2.00}, XXXX THAT DISAPPEAR. They are not made permanet and fall off. All temp credits become PERMANET NEW PURCHASES WITH NO WARNING OR EXPLANINATIONS. AND merchant credits are stolen leaving consumers with fraud. See statement attatched. XXXX XXXX XXXX XXXX credited {$200.00} {$280.00} On XX/XX/XXXX USAA places temp credit AFTER MERCHANT PAID. so USAA can fraud consumers they got 2 credits for one purchase. XXXX credits are now credit reversals XX/XX/XXXX leaving me with the fraud. USAA tells consumers look you got One credit from merchant and One credit from USAA. Temporary credits must be made permanet to apply when only One real credit from merchant is all that applied. Now for rest story. USAA demands all frauds to be disputes first.Disputes place a temp credit to CREATE MORE PROFITS BY COLLECTING 2 purchases USAA STEALS MERCHANT CREDITS CLAIMING THEY ARE USAA CREDITS. USAA policy demanding disputes not fraud reports is not the rules FTC states on line. FTC says if not delivered timely or not delivered at all it is fraud. 
USAA says if you have done business with merchant before IT IS NOT FRAUD EVEN IF NEVER WAS DELIVERED. FTC talks about the investigation which USAA does not do. I am not provided any merchant info if merchant decides refund not deserved. No wonder NONE OF MY FRAUD HAS BEEN CREDITED BY USAA. AND LOOK THEY EVEN TAKE MERCHANTS CREDITS AFTER THEY PAY. XXXX  XX/XX/XXXX credited. became a new charge XX/XX/XXXX stealing XXXX credit and leaving me with fraud. USAA CREATES THE CREDIT REVERSALS FOR ADDED INCOME ALWAYS. ALL. MUST BE DISPUTES. USAA IS NOT ZERO LIABILITY. They do not investigate fraud so they do not have to pay for it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: NY
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:
My information was exposed to a date breach by XXXX my information has been compromised. XXXXXXXX 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 2020-02-12
Company: Jim Bottin Enterprises, 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: Account information incorrect

Complaint:
Hi my name is XXXX XXXX XXXX XXXX XXXX i  have 3 problems in my credit report. 

1.By XX/XX/XXXX of XXXX i found on my report few credit cards attemps like someone was trying to get a new credit cards ( hardinquiry ). But i didnt made this transaction lr request. The company is XXXX XXXX. I call but no one was able to really help me. I want this dissapear of my credit because i have more than 8 months that i dont ask for a new CREDIT CARD. 

2. I found a XXXX  XXXX  XXXX  collection ( 240 $ ) for a gym that i stop to use more than a year ago. I ask them to take off this collection but they didnt, so i talk with them and pay the due and they said they will be erase the collection like i never have it. But i see the collection ammount in 0 but still there and pay just to finish this quick so i dont get my credit bad. 

3. XXXX  XXXX XXXX XXXX XXXX $ ) ( PAYMENT OF XX/XX/XXXX ) missed payment. I agree with them months ago to pay few days later without affect my credit snd they agree and said its ok. Later i saw my credit with 1 MISSED PAYMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
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: Information is missing that should be on the report

Complaint:
Recently a credit card that was on my report for about 10 years was deleted off of my credit report. I am asking for this Item to be placed back on my report. 

XXXX Account XXXX Credit Limit {$1000.00}

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 2023-11-08
Company: Experian Information Solutions Inc.
State: NJ
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:
Dear CFPB, I need help to remove these inaccurate and misleading items that were reported on my credit files. I've been mailing letters to Experian, XXXX, and XXXX several times since XXXX, but they never responded to any of my letters, and until now, the same invalid negative accounts were reflecting on my credit 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 2020-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Hi my name is XXXX XXXX XXXX XXXX XXXX i have 3 problems in my credit report. 

1.By XX/XX/XXXX of XXXX i found on my report few credit cards attemps like someone was trying to get a new credit cards ( hardinquiry ). But i didnt made this transaction lr request. The company is CAPITAL  ONE. I call but no one was able to really help me. I want this dissapear of my credit because i have more than 8 months that i dont ask for a new CREDIT CARD. 

2. I found a XXXX  XXXX XXXX  collection ( XXXX $ ) for a gym that i stop to use more than a year ago. I ask them to take off this collection but they didnt, so i talk with them and pay the due and they said they will be erase the collection like i never have it. But i see the collection ammount in 0 but still there and pay just to finish this quick so i dont get my credit bad. 

3. XXXX  XXXX XXXX XXXX XXXX $ ) ( PAYMENT OF XX/XX/XXXX ) missed payment. I agree with them months ago to pay few days later without affect my credit snd they agree and said its ok. Later i saw my credit with 1 MISSED PAYMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: TX
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:
I am refiling this complaint to EXPERIAN for allowing the fraudulent accounts on my credit report. I filed an FTC report, with the identity theft report number XXXX. 
As I checked my credit report these fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA XXXX and CFPB rule on medical collection.I have again attached the FTC report together with the letter of explanation for the reasons why these accounts should be corrected or deleted from my files.

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