BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-20
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: Investigation took more than 30 days

Complaint:
I sent disputes on XX/XX/2022 to remove unlawful information off my credit report. its been more then 30 days and its also bringing my score down. I can't buy a house or get a car with loans, due to the information on my 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 non-monetary relief
Consumer complaint received 2023-10-01
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Paid settlement for {$270.00} on XXXX in exchange for account deleted of my XXXX XXXX XXXX XXXX credit report. It is Midland Credit Management policy to delete account off the Credit Reporting Agencies and account has been settled. 

Account is still in my XXXX, XXXX XXXX XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: Experian Information Solutions Inc.
State: FL
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, the consumer, have attempted to resolve this issue with Experian for several months. Experian continues to say that these items are verified. Because Experian did not uphold their grave responsibility to me, the consumer, to ensure I have a fair and accurate consumer profile, I reached out to the company in question directly. I have proof from the USPS that the account they claim has been verified, doesn't even exist. Please explain how an account can be verified when the postal service can't even locate the company in question. I have attached the return to sender notice. Even if this account did belong to me, Experian is allowing inaccurate information to be reported on this account. This is now harassment on behalf of Experian. For months, I have asked for proof in accordance with 15 USC 1681g - Disclosure to consumers. Nothing has been sent by Experian providing proof. I have sent Experian an affidavit via registered mail and still, Experian has not removed this random account. I am asking for the removal of the account that Experian can't verify and is reporting inaccurately.

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 2021-02-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX Account Number : XXXX Name on account : XXXX XXXX I have a XXXX XXXX  credit card. On XX/XX/XXXX, I paid the balance left over from {$6800.00} high balance to {$00.00}. No matter the payment amount, XXXX XXXX XXXX has not updated the balance on any of the 3 major credit bureaus files. On XX/XX/XXXX, the balance on this credit card was {$6800.00}. Below are the following payments I have made since, totaling {$7000.00}, yet, XXXX XXXX XXXX sometime known as XXXX has not updated my credit report, indicating a reduced balance of {$00.00} since XX/XX/XXXX. This has seriously hampered my ability to acquire credit without securing it with my own money. In addition, it has dropped my credit score over 70 points in Equifax, 40 points in XXXX and 33 points in XXXX. What is being reported to all 3 credit bureaus is that the credit card is maxed out at {$6800.00}, even today, XX/XX/XXXX, with no reflected any payments. Below are the payments that I have made. In my credit card file at XXXX, it's reflecting the {$00.00} balance but XXXX XXXX still has not updated either of my 3 credit reports. Equifax, XXXX  and XXXX all show that there is a balance of at least {$6800.00} as of today. 

XXXX XXXX Payment - Thank You - {$1900.00} XXXX XXXX Payment - Thank You - {$4600.00} XXXX XXXX Payment - Thank You - {$190.00} XXXX XXXX Payment - Thank You - {$190.00} Total Payments made since XX/XX/XXXX is {$7000.00} Immediately, Please have XXXX XXXX, XXXX correct this and XXXX out the balance reflected in all 3 of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: JPMORGAN CHASE & CO.
State: NY
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:
XX/XX/2023 of {$95.00} to XXXX was not handled properly by Chase. Merchant agrees with me, but Chase in an XX/XX/XXXX letter tells me charge was proper, but see annexed letter from merchant. Amount was to be credited. Letter from merchant XXXX is annexed yet Chase continues to bill me. Ugh- please help. Annexed is letter from merchant. Please tell morons at Chase to fix this and reverse any unwarranted charges to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a principal balance of XXXX for my home prior to the 18 month forebarence I was granted from wells fargo ... ..after the 18 months they told me my " only " option was a loan modification. I had no choice but to agree to the terms of their loan modification ( which by the way required zero documents for me to submit for wells to come up with my new monthly paymemt ) with in the loan modification paper work I noticed that my principal balance went from XXXX up to XXXX and the reason it went up was an amount they are calling CAPITALIZED INTEREST ... .my complaint with them is I thought the CARES ACT prohibited them from profiting on missed payments and on top of that they're profiting on the same dollar again because its added to my new principal for the next 30 years

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 2020-06-12
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent accounts present in Exhibit C are in fact compliant and not subterfuge? All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable accounts on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
To whom this my concern, My name is XXXX XXXX XXXX, or XXXX XXXX. I was told that I may have get my money back from this banks. But these are the banks that I am have problems with. XXXX XXXX XXXX XXXX, XXXX, XXXX Bank, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Bank of American, XXXX XXXX I have been moving and I have some lost of my memory or I was adviced to stop looking for my account. I have more banks but can you help me look for them. They close the account without me knowledging it. Or third party of it. Or just get my credit and go into the account me knowing.

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 2022-04-20
Company: AFNI INC.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The following companies are Fraudulent on my Credit Report AFNI , INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: ZWICKER & ASSOCIATES
State: TX
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:
randomly all of a sudden received a paperwork at the door by some one unknow that I am being sued. XXXX XXXX  from zwicker & associates pc XXXX XXXX XXXX  XXXX XXXX XXXX tx XXXX .behalf of XXXX XXXX XXXX XXXX. Amount is extremely high. i dont have job and currently going to an institution to find some for future. due impacted by pandemic. i cant even my bills on time evacuating in two moths before eviction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In late XXXX, 2023, due to the news about the collapse of XXXX XXXX Bank, we decided to distribute our cash deposits across more banks instead of putting them in only a few banks. Attracted by the good saving rate of Citibank at that time, we opened a new saving account with Citibank and transferred a total amount of {$150000.00} from our account at XXXX XXXX to our new account at Citibank. 

About a week later, we noticed that we could no longer access all our Citibank accounts ( including our existing credit card account ). We immediately reached out to Citibank trying to find out why. After numerous phone calls with their customer service, which took approximately 7 hours in total as well as countless call transfers and even abrupt hangups, we were finally informed that our new account was under checking by Citibank. They said the reason is that they suspected fraudulence with our new account, since our new Citibank account was under the name of the husband and our existing account with XXXX XXXX was under the name of the wife. 

Citibank customer service also told us that they would not restore our new account, but would refund XXXX {$150000.00} in the form of a check within XXXX to 60 days. Therefore we waited till mid XX/XX/2023, when we still had not received our refund. After that, we reached out to Citibank customer service again. This time, they told us that they would have to wait until XX/XX/2023 to close our account, and we should get our refund approximately XXXX weeks after that, which should be mid XXXX, 2023. 

Yet until today, XX/XX/2023, we still have not received our refund. In the meantime, Citibank never tried to contact us, either about verification or update. 

We therefore demand Citibank to refund our money 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 2023-09-12
Company: EQUIFAX, INC.
State: TX
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:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-18
Company: RCS Recovery Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This company stated I recently had a loan balance XXXX that was due and payable, I've never received statement. Why weren't you billing me I am suppose to know if my loan is due and payable. I have not had any correspondence. 
Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Back in XXXX, I had an account for cable/internet/phone service with XXXX now known as XXXX. I cancelled the service and switched to another provider. My family and I bought a house and moved in XXXX. Ironically, when we moved, my husband opened an account with XXXX. Unbeknownst to me, apparently, I had an outstanding balance of {$310.00} dating back to XXXX. I received no notification of the outstanding balance. The XXXX sent my account to a collection agency, IC System, Inc. who never sent me any correspondence. Instead, they just reported it to the credit bureaus. Once it showed up on my credit report, I proceeded to call IC System, Inc. to dispute it. They said it was a XXXX  account so I called XXXX and that is when I learned about the outstanding balance. The representative at Spectrum said I could make the payment with her over the phone which I did - I gave her my credit card number. She advised that they would contact the collection agency to have them update their records to show it as being paid. Over the past 6 weeks, I have called IC System, Inc. and they keep telling me that they are waiting for Spectrum to update the file on their end. I call Spectrum and they tell me they have notified IC System, Inc on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In addition, on XX/XX/XXXX, I faxed IC System, Inc a printout from my credit card account showing the balance was paid by credit card on XX/XX/XXXX and it was charged to my card on XX/XX/XXXX. To add insult to injury, I got home today, XX/XX/XXXX, and there is a collection notice from them. When I called, they confirmed they had my fax showing the payment made!! But they still insist on sending collection notices despite receive a cease and desist all collection efforts from XXXX, the original creditor. I'm stuck in the middle and can not get this resolved.

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 2023-09-02
Company: ERC
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not liable for this debt with XXXXXXXX XXXX XXXX I do not have a contract with Enhanced Recovery. They did not provide me with the original contract or signatures. I demand this account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: DISCOVER BANK
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I got a credit card with Discover mainly because of their intro 0 % APR for 21 months. I then completed a transfer balance that I plan on paying down soon. At some point in the first few months with the card I requested two cash advances for a total of {$240.00}. Meanwhile, I've made minimum payments every month for a total of {$1100.00} so far in about 10 months. It made sense to me that the payments were also going to pay down the cash advance balance, but they didn't. I have been charged interest on that {$240.00} for about six months. When I called to complain a Discover representative told me that payments should go towards the balances with the highest APR, so if my intro APR is 0 %, the payments should have gone to the cash advance balance. They simply apologized, said it was how the system was set up, and told me I have to make extra payments to pay down my cash advance balance. This seems like a way for Discover to charge interest fees to unsuspected customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: NAVY FEDERAL CREDIT UNION
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:
I was recently divorced and as a result I was relieved of all financial obligations of a loan with NFCU that was taken out by my ex-spouse. This decision was a judgment as a result of the divorce and separation of assets. NFCU is not honoring this judgment and continues to report this account to my credit file when I have no legal obligation to this account. Due to the abuse at the hands of my ex spouse, NFCU is continuing to allow the financial abuse to continue. NFCU should honor the court 's judgment and cease reporting this account to the credit bureaus. This ongoing fraudulent reporting has caused me emotional and financial hardship and distress. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-24
Company: WELLS FARGO & COMPANY
State: NY
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:
My card number was used on someone elses insurance policy one time. However, it was signed up for auto-pay. I was told by a representative that no future transactions would go through from the merchant ( XXXX ) but it did again in 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 2021-10-26
Company: EQUIFAX, INC.
State: MD
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:
Equifax is in violation of Federal Law, please see my intent to sue letter and exhibits

Company response to consumer: Closed with explanation