BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-03
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am trying to temporarily unfreeze my account with Experian and having no success. The other two agencies took less than 3 minutes online. I've been trying to reach a human at Experian for over an hour and I just receive a never ending maze of automation. They have the wrong email address for me and want me to send a ton of information via the US Postal system. This is XX/XX/2019 and we shouldn't be required to send information via the mail system when the internet is completely capable of providing the means to transfer this information securely ( the other two agencies do this ). I can not stop using Experian because they are forced upon us by the banking and lending companies. They need to resolve these customer support issues if we are forced to use 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 2020-08-12
Company: Experian Information Solutions 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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-08-12
Company: Fidelity National Information Services, Inc. (FNIS)
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 information incorrect

Complaint:
Chexsystems reported a negative review for an incorrect amount owed to XXXX XXXX which caused a decline to open a checking account. Chexsystems nor XXXX XXXX notified me of this reported amount per the fair credit reporting act.

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 2019-09-03
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
The following accounts have been investigated and previously removed from my credit report, still the are kept in my credit file. 

These accounts are fraudulent accounts on which the creditor did not comply with the Fair Debt Collection Laws by notifying me and providing means for payment or clarification as for the accounts details. 

These are account are the followings : 1. XXXX XXXX XXXX | XXXX : Original Creditor XXXX   XXXX XXXX, Date Reported XX/XX/XXXX, Date Assigned XX/XX/XXXX, Balance Date XX/XX/XXXX Balance Owned {$500.00} 2. XXXX XXXX XXXX | XXXX : Account Owner Joint Account Original Creditor XXXX XXXX, Date Reported XX/XX/XXXX, Date Assigned XX/XX/XXXX, Balance Date XX/XX/XXXX Balance Owned {$650.00} 3. XXXX XXXX XXXX | XXXX : Account Owner Joint Account Original Creditor XXXX XXXX XXXX, Date Reported XX/XX/XXXX, Date Assigned XX/XX/XXXX, Balance Date XX/XX/XXXX Balance Owned {$4100.00} 4. XXXX XXXX XXXX | XXXX : Account Owner Individual Account. Original Creditor XXXX, Date Reported XX/XX/XXXX, Date Assigned XX/XX/XXXX, Balance Date XX/XX/XXXX, Balance Owned {$800.00} I request intimidate action on investigating and removing these accounts from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company.

Please update my address to : XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX XXXXXXXX {$9300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and Transunion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXXXXXX 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 2023-09-14
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit 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:
i received incorrect and defective item from a merchant and the merchant is unwilling to resolve the issue and paypal is of no help either

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 2020-08-12
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/2020, TD Bank opened a XXXX credit card in my name with a {$4200.00} credit limit. I never applied for a card, never used this card and never will use this card. I have tried to call XXXX XXXX ( TD Bank ) at least 20 times, have waited on hold over an hour each time, and ultimately disconnected the call due to no answer by the bank. The bank offers no other mode of communication ( mail, email, etc. ). The chat functionality on TD Bank 's website just shows no internet connection and does not work. Their level of consumer support is deplorable and I am wondering if they are taking the same approach as XXXX XXXX did in setting up accounts without a consumer application or knowledge. I need this account closed immediately and proper notations made to my XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-07
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello. I dont know what to start with. XXXX my first account, theres were fraud mobile deposit that I hadnt made but someone apparently got accessed to it. They closed down. XXXX XXXX, they closed down for no reason. They told me that they cant tell me why. XXXX closed down because someone also had accessed to online banking same as XXXX. Check returned. XXXX  XXXX XXXX and XXXX, Someone used my SSN number to created it and it was fraud also. Now Im going through with a Suntrust. My phone was stolen with no passcode on it and someone went in my online bank on my phone. Theres were user and password on my phone in the notes so of course they deposited a check apparently thats what Suntrust said. I dont know. They dont show me what my account looks like. 2 or 3 weeks ago, I came there to change my number because I had another phone since my XXXX was stolen. Suntrust also gave me another account while the account are under review. I was able to use it until yesterday. Few days ago I deposited my check and I was able to swipe before yesterday then I found out today by calling them they said its in processing closing my account with my money in it. First off, why did they gave me another suntrust account then let me Deposited it in the first place then in process of closing. This none makes sense. My rent money is in there. Unfortunately, they said I can not withdraw my money at all until they close also. I dont know how to do fraud or scam thing so it couldnt possibly be me. One day Ill be arrested for something I didnt do.

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 2023-06-03
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: Their investigation did not fix an error on your report

Complaint:
Experian is posting accuracies on my credit report and legally MUST be removed. I have attached a copy of my credit report, the exact disputes needed to be removed as they are unverifiable, and the last piece is that these accounts are in violation to FCRA.

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 2023-05-25
Company: Comerica
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
Direct Express ( Comerica Bank ) is causing me severe hardship. I have NOT been able access my social security benefits for 6 months because my prepaid card is unusable. 

I have been a cardholder for 8 years. Recently, the company requested ID verification AND I have submitted several documents that prove my identity. However, the issue is yet to be resolved. All documents that I submitted were certified by the XXXX XXXX, XXXX. 

Direct Express company representative ; XXXX XXXX XXXX XXXX XXXX ) was supposed to call me at XXXX EST today but she did not call until over an hour later. Unfortunately, I was unavailable to receive her call when she finally called. Subsequently, I sent her 3 emails but she has ignored them. I am unable to reach her by phone because her contact phone number ( XXXX ) is NOT functional. 

I and many senior citizens rely on our social security benefits for basic needs such as food and medication. Please can you assist me in resolving this matter?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Ocwen Financial Corporation
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: Information belongs to someone else

Complaint:
Despite the multiple previous written requests, the unverified items still remains on my credit report in violation of Federal Law. They failed to MOV and failure to POLP within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor the credit bureaus, as willful non-compliance. Ocwen Loan Servicing XXXX Open Date XX/XX/2005 Balance {$0.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: WELLS FARGO & COMPANY
State: MS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
To Whom It May Concern : This year my house went into foreclosure. I found out after my house insurance company reached out to me. I never received a letter or documentation stating the house had gone into foreclosure. 

I had made at least 4 back payments prior to the house going into foreclosure. The mortage company would not honor the payment. 

As stated previous, I never received any paper work/documents in regards to the home as being foreclosed. 

I moved out the home in XX/XX/XXXX. I had a tentant in the home from XX/XX/XXXX to XX/XX/XXXX, The home was vacant as of XXXX. The home is in 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 2023-08-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio recovery owes me money. They have garnished my credit score for a claim of thousands owed. They have in part made me homless, carless, and unhireable due to the debit I paid in full, reopened the bank account and am being told to repay the same debit after it was already paid settled. The Portfolio Recovery fraud case for settlement of {>= $1,000,000} owed to consumers is what their trying to get away with SHYSTING people like me. I have suffered damages because U.S. Bank give my information to criminals with their FRAUD business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: CITIBANK, N.A.
State: TX
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:
I opened up a Wayfair credit card in XXXX. I made {$370.00} in purchases. In XXXX, I made purchases of {$420.00}, and XXXX XXXX. Total amount of all purchases equal {$2500.00}. Between the months of XXXX XXXX I made {$1200.00} in payments. The amount owed on purchases before I returned an item should total {$1300.00}. I received a statement in which my CC shows I owe {$1400.00}. They show the credit of the returned item of {$380.00} however the math does not add up to what I show the balance to be. The account balance should be {$950.00} as of XX/XX/2023. I spent XXXX hours on the phone with customer service asking how its possible if total purchases {$2500.00} in purchases minus {$1200.00} in payments equals {$1400.00}. I was advised it was due to being billed after the billing cycle had ended. Math is math. I returned the item and Wayfair is not giving me credit for the total payments made to them to date.

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 2021-10-19
Company: EQUIFAX, INC.
State: NM
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: Chime Financial Inc
State: MI
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:
Chime Bank allowed unauthorized user to transfer my funds to an unknown account via XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX but I definitely I'm XXXX XXXX not whoever this XXXX XXXX person is not authorized to transfer my funds of XXXX was disputed I was told no error happened by chime dispute department also I'm XXXX XXXX statement backed and have a fee schedule for all unauthorized charges of XXXX pursuant to XXXX XXXX  statement I have full faith in credit also I had been over XXXX dollars at XXXX XXXX I also was treated unfairly when disputed 18 U.S. Code 287 - False, fictitious or fraudulent claims

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Experian Information Solutions Inc.
State: CA
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:
Im writing because I noticed that my most recent credit reports contains a late payment reported on XX/XX/2020 for my XXXX account. I want to dispute this as 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 2020-08-12
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I was an existing Chase credit card customer, and opened a checking account online on XX/XX/2020. I transferred {$1200.00} into the new Chase account from my other bank account. But two days later I was locked out of my online banking. I called Chase and was told that my checking account was closed. However, my {$1200.00} deposit was not returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: CCS Financial Services, Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am not responsible for this account. Contract was canceled. The original creditor sold the account to another agency and wrote it off on their corporate taxes as a loss and therefore, they have no claims against me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my 2nd 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  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-04-01
Company: Dynamic Recovery Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Last year received a multitude of phone calls regarding an alleged debt. Company was asked to not contact by phone but to send a letter via snail mail with detailed billing information from alleged originator of debt - which was more than 10 years old.

Never received, continued to received phone calls, family members received same, asked them to stop again and send me the detailed info as asked. 

Continued harassment. 

Got a letter today stating if I paid the debt by certain days they would offer payment options. Tired of harassment, know that the original debt was partial paid and forgiven ( sent documention ) more than eight years ago, and didn't wnat anyone else bother. I paid online the first option. 

So sick and tired of companies like this ( and there are three involved ) getting away with bullying, harrasment, skip tracing and all sorts of stuff. I would understand if I was someone avoiding paying my debts, but I have never hidden from anyone. 

Times are hard all around and I am sorry for any debts I owe or have owed and have been late paying etc, but whenone has been partially paid and forgiven and there have been circumstances .. and to try and collect a decade later and be sneaky about it ... Shaking head, shameful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
I sent my Notarized FTC Report, PA license, 15 USC 1681c-2 by certified mail to Experian, XXXX, and XXXX. I am a victim of identity theft.

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