BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-08
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate an unknown information on my credit report. To this day over 45 days later I still have not heard anything about any investigation. I feel im being taken advantage of an being ignored about my dispute. Section 611 ( a ) it clearly states that any failure to investigate these items within 30 days gives grounds for immediate removal for my credit report. It has been over 45 days. They need to be removed promptly. I demand these items be deleted immediately or I will file litigation due to the stress you caused me also my information may have be affected by the equifaxs data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have recently filled out documentation for an apartment. I was contacted by the realtor who explained to me that their were some rental errors on my report. I was told to contest and remove the things on my report so that I could move forward. I tried to contact Experian Rent to get the information such as account numbers and contact information about the items listed. I as told that they don't have any record of the information. This is impeding me from getting a new place for myself and my children. I have spoken to the realty company and they have no way of attaining the information either. I have submitted a copy of the rental discovery.

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 2021-07-08
Company: Portfolio America Asset Management, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They keep calling my work phone. I asked them to stop calling my phone and just mail whatever it is they need or want via XXXX mail. On XX/XX/XXXX. After many daily calls. Then they called again today. I didnt answer because I was on the phone working. This is my work phone. Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-18
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: Information belongs to someone else

Complaint:
I have disputed this accounts because it is unknown and also reporting inaccurately. There was no notice of dispute entered on the account showing I have disputed. This is a violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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 is reporting a debt under my name under all three credit burea that is Outdated by Georgia Statue of limitation nor is this my debt. I've mailed documents to XXXX XXXX XXXX on XX/XX/XXXX and their address is XXXX XXXX XXXX, XXXX, MS , XXXX and informed them via mail that the amount of {$23000.00} is not my debt and this debt is also past the statue of Debt law in GA which is 6 years and cant be reported by law due to it being outdated. However the account continues to be reported under all three credit bureau and by Law is Outdated and is not mine but continues to reappear every time I dispute this account with the credit bureau removes it. XXXX XXXX XXXX adds the account back to every credit bureau. Ive provided this information by mail but XXXX XXXX XXXX continues to defame my name and this is in Violation of the Fair Credit Reporting Act and a Violation of the Debt Collection Practices 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 2023-08-10
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Purchased furniture from XXXX  XXXX XXXX during XX/XX/XXXX. Chase offered a My Chase Plan, which involved 0 % interest and no fees for 18 months with equal monthly payments. I added a My Chase Loan during XX/XX/XXXX to the credit card with no fees and 24 months of equal payments and 8.99 % interest. I submitted an " interest-saving payment, '' which the institution 's FAQ indicates the following for : Pay the interest saving balance optionwhich includes the monthly amount for XXXX  Chase XXXX  month by your due date to avoid interest charges on new purchases. When you choose the interest saving balance option, you wont pay off your entire XXXX  Chase XXXX  balance earlier than intended, and youll still avoid interest on new purchases. '' When I made a new purchase, the " XXXX  Chase XXXX, '' and subsequently paid it a few days later, the payment should've been applied to any purchases with a higher interest rate. The institution 's own FAQs indicate that I won't pay off my entire XXXX Chase XXXX balance earlier than intended. Now the institution has sent me a notification that the lower interest XXXX Chase XXXX has been paid in full. The institution does not allow customers to allocate payments to specific products and penalizes early payments. I reached out and escalated the call to no avail. By the representative 's own omission, the product is confusing and payment allocations are a fair resolution. I will be disputing the interest charges and allocation of payment. Any attempts for collections or impact to my credit should be unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 3rd 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 Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX CREDIT/XXXX  F XX/XX/XXXX ; XXXX MOTORS XX/XX/XXXX ; XXXX CREDIT/XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX AUTO FIN XX/XX/XXXX XXXX XXXX XXXX AUTO XX/XX/XXXX ; XXXX  XXXX AUTO FIN XX/XX/XXXX ; NXXXX  CAR XXXX  XX/XX/XXXX ; XXXX  FL XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 2023-12-18
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 contacted this company numerous times to report unknown and inaccurate accounts and they violated my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

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

Company 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 2018-11-19
Company: CITIBANK, N.A.
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: Problem with personal statement of dispute

Complaint:
I have 2 issues with Citibank. 
# 1 ). XXXX card which I originally requested information from in XX/XX/XXXX. Citibank never provided the requested info and did not close account as I requested. I called and requested info again in XX/XX/XXXX. They never sent requested info and did not close account as I had requested. I sent certified letters to them on XX/XX/XXXX, and in XX/XX/XXXX. To-date, they have not provided me with explanation of duplicate deductions from my checking account, nor have they provided me with a complete history of my payments and charges from inception to closing of this account. The only statements Citibank has sent me are those that have fees and late charges that were posted after XX/XX/XXXX, 4 months after I had requested that they close the account. This account was opened on or about XX/XX/XXXX. Therefore, I would need for them to send me valid/accurate statements from XX/XX/XXXX thru XX/XX/XXXX, as the last time I used this card associated with this account was in XX/XX/XXXX. They did not close account when I asked them to in XX/XX/XXXX, and send a final bill as requested. 

# 2 ). BestBuy card. I purchased a XXXX XXXX phone thru my contract with XXXX. After 3 attempts of using the XXXX phone, ( they seemed to have problems with dropping calls and not sending text messages ), I decided to go back to XXXX XXXX. I returned all accessories for the XXXX and requested a refund. I have the receipts that show that I was supposed to be issued refund, but when I got statement in XX/XX/XXXX, the {$390.00}, was still showing as owed. I called several times, visited the store in XX/XX/XXXX, and the Manager named XXXX refunded {$96.00}, and said that it was a mistake and that was all that she could refund. She could not explain to me why she couldn't refund the remaining {$300.00}. I sent certified letters, and all I got was passed on to other people, departments and pretty much ignored. 
Both of these items are showing on my credit report as delinquent, in spite of my repeated requests to have them cleared on the basis that they are not legitimate debts and Citibank is not entitled to any payments from my end of these situations. I sent letters to Citibank and spoke with their representatives on numerous occasions, but so far, all they've done is ignored me. At this point these issues have cost me one refinance and 2 closed credit card accounts. Please note : I attach correspondence for both of the issues with this complaint.

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 2023-03-03
Company: Bread Financial Holdings, Inc.
State: UT
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:
See attached. I have repeatedly disputed this incorrect information to XXXX who REFUSES TO CORRECT IT! Now it's your turn! You need to be reporting accurate information to the bureaus. If not it makes you just as culpable as the bureaus as it's your responsibility to maintain accurate reporting with these bureaus. XXXX is the only one that continues to make errors on my report they refuse to correct. Then they claim they checked with you and you verified its accurate which it is not! The account status IS NOT ACCURATE and had better be corrected ASAP! You and the credit bureaus repeatedly report inaccurate information. It's time to put a stop to it and let the public know what's going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: LA
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:
In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX : 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 also states a consumer reporting agency can not furnish a account without written instructions. I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREFIT REPORT DAMAGING MY LIFE.

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 2020-06-10
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XX/XX/2015 XXXX XXXX XXXX XXXX, This account was open without my knowledge.I have requested proper validation in regards to this account. This account was reporting blank information. Once i disputed this account it is now reporting. Information that isnt mines and incorrect. my first attemp to contact this company. They offered to remove this information but brought it back with information.Account information is missing inorder to dispute fully

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: VA
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:
XXXX XXXX XXXX reported a late payment to my credit which I never paid late, requesting that it be deleted from my credit report XXXX XXXX XXXX LATE PAYMENT Credit usage 3 % Balance {$150.00} Balance updated XX/XX/2023 Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: EQUIFAX, INC.
State: NV
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 am a victim of identity theft and I have not applied for these accounts and inquires that are listed on this identity theft report. Please delete all this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/2023, and XX/XX/2023, letters were sent exercising my right as a consumer and requesting that Transunion provide the information on file used to determine the completeness and accuracy of any information during this investigation in accordance with FCRA 609 [ 15 U.S.C. 1681g ].

Under the provisions of the Fair Credit Reporting Act, I advise that these items be investigated and removed from my report. It is my understanding that you will verify these items with the creditor who has reported them.

Please remove any information that the creditor can not verify. In accordance with FCRA 611. [ 15 U.S.C. 1681i ], a consumer reporting agency by law, must complete this reinvestigation within 30 days of receipt of my letter if they have failed to do so. 
I have not received proper validation of the below-listed charge-off accounts. 

Please delete the below-unverified charge-off account from my TransUnion credit report. 

1. XXXX XXXX XXXX Acct # XXXX Amount of {$33000.00} 2. XXXXXXXX XXXX XXXXXXXX Acct # XXXX {$1700.00}

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 non-monetary relief
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I notified XXXX and the 3 consumer credit reporting agencies Equifax, XXXX XXXX and XXXX that the balance of my student loans were paid in full. I also submitted documentation, After the alleged investigation both companies return with the same inaccurate information despite the proof they have received and XXXX hasn't done and update to my credit report since XX/XX/2023, They are NOT doing a through investigation if so they would've seen this information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: TRUIST FINANCIAL CORPORATION
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to seek clarification and verification regarding the reported late payment associated with my TRUIST BANK account, XXXX which I have recently discovered on my credit report. I do not recall having a late payment for this account, and I kindly request your assistance in resolving this matter. 
I value my financial responsibilities and have maintained a strong commitment to ensuring that my accounts are managed diligently and payments are made promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card
Sub-product: Store credit 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:
On XX/XX/2023 i charge my card in the amount of XXXX and i left out of the store with the purchase of my son items i also tried to charge more items that suppose to been delivered to my house and never got delivered i asked that they remove the money that was charge and they said they had to investigate the charges and they gave me all these credit and rewards for me to used for free so my balance should be XXXX it is XXXX in which that is not the correct balance they refused to fixed the problem i was advised by XXXX today that they closed the account on XX/XX/2023 but never sent nothing to my house stated that please i need your help in fixing my bill the company is commenity bank with children place

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I suffered an injury on XX/XX/XXXX which prevents me from flying for XXXX  months. I originally booked tickets with the Bank of America credit card for myself, my sister, and my parents so I called to request a copy of the specific terms and conditions as well as ask if the airfare was covered by the trip cancellation benefit. 

On XX/XX/XXXX, I called and they customer service representative said they could not provide a copy of the card benefits by email but assured me that the airfare for myself and my immediate family was covered ( I have a recording of our conversation ). Because the rep assured me that the entire airfare was covered by trip cancellation, I cancelled our flights even though there's a {$200.00} cancellation fee per person ( I only received around {$260.00} credit for the {$1200.00} total ). 

Now I'm calling to make a claim and they are telling me that only my airfare is covered, not that of my family. I would not have cancelled their tickets if they had given me the correct information from the start.

I have two main complaints : 1. They refused to provide me with a copy of the card benefits over email. If they had done this, I could have reviewed the terms and conditions myself. 
2. They gave me wrong information. They assured me that my entire family 's airfare was covered so I cancelled our entire trip and now they are telling me that only my airfare is covered. Now I am out over {$1000.00} and they will not help me.

I think this is extremely incompetent and misleading at best and downright predatory at worst.

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