BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
the folowing accounts XXXX # XXXX {$1700.00}, XXXX XXXXXXXX # XXXX {$3600.00}, XXXX # XXXX {$700.00}, XXXX # XXXX {$1100.00}, XXXX # XXXX {$600.00}, XXXX # XXXX {$33000.00}, XXXX  # XXXX {$1000.00}, XXXX XXXX # XXXX {$1000.00}, XXXX XXXX XXXX # XXXX {$1200.00} are all unauthorized items that were opened in my name fraudulently i have filed an ftc report and police report and sent to credit agency with no prpoer response i would like for these items to be removed immediately before further litigation action to be taking thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: Simpson, Uchitel & Wilson, LLP
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX law firm ( Prior complaint no XXXX ) did not respond to my previous complaint filed on XX/XX/2018.with your agency regarding a debt they bought from XXXX XXXX XXXX. 

On XX/XX/2018, I received a letter at my work address machine dated and envelope postmarked XX/XX/2018, XXXX XXXX XXXX marked XX/XX/2018, from the XXXX GA law firm of Simpson, Uchitel and Wilson, LLP threatening a law suit on the XXXX XXXXXXXX XXXX debt if I did not respond within ten ( 10 ) days of the date of the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I've been trying to unfreeze my credit with Experian. Their website does not work, going through the process of changing your password does not work. It prompts you for a phone number, asks if you'd like them to text or call, and a text or call never comes. The other option for password recovery is to answer questions set at password creation, but that does not work either ; the " Continue '' button does not do anything, doesn't say if your answers are wrong or right, just leaves you at the same page. Calling the available phone numbers online for Experian, which I found to be : ( XXXX ) XXXX, and another number at ( XXXX ) XXXX, it takes you through talking prompts. At the end all it does is tell you to go to the website ( which doesn't work ), or to mail them, which takes weeks. I called them multiple ( no less than seven ) times at multiple times of day between XX/XX/XXXX and XX/XX/XXXX, and was unable to get a human being on the line. I am fortunately not suffering any fraud problems, but if I were in this same situation and also dealing with a fraudulent line of credit opened in my name, this could lead to disaster for me. At minimum, it is extremely frustrating and at most it could do a lot of harm. This is unacceptable, and there needs to be a way to make contact with a human being in the event that their website does not work ( which it doesn't ).

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 2023-03-31
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
So about 3- 4 months ago a little bit before XXXX i opened up an account with truist. The day i opened it i gave them my check and everything seemed to be fine. They said my debit card would be coming in the mail soon so i said great. I didn't have my phone when i was there so i had to log into my bank account on my mother 's phone so when i got home i tried logging in on mine. I must've got the password wrong cause it locked me out but then i remember either changing my password again or remembering the right one and it worked. Next day was locked out again and tried calling on the phone to get it unlocked and they said my account was locked due to fraud. Day 4 or 5 i get a letter in the mail saying my account has been closed and a check will be sent in the next week and if not to go to my local truist and get my funds. Four months later they've been giving me the run around back n forth with i have to go to the bank or the bank tells me to call. Finally a banker helped me n we sat on the phone with the main people who run the fraud services and basically what he told me was they have so many fraud cases and even though they've revived my case thet still can't give me my money. It's been four months and they can't even tell me when ill get my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
the folowing accounts XXXX # XXXX {$1700.00}, XXXX XXXXXXXX # XXXX {$3600.00}, XXXX # XXXX {$700.00}, XXXX # XXXX {$1100.00}, XXXX # XXXX {$600.00}, XXXX # XXXX {$33000.00}, XXXX # XXXX {$1000.00}, XXXX XXXX # XXXX {$1000.00}, XXXX XXXX XXXX # XXXX {$1200.00} are all unauthorized items that were opened in my name fraudulently i have filed an ftc report and police report and sent to credit agency with no prpoer response i would like for these items to be removed immediately before further litigation action to be taking thank you

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 2023-10-30
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section.604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX BANKRUPTCY ) I DID NOT COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

Company response to consumer: In progress
Consumer complaint received 2023-04-02
Company: Caneel Capital, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Trinity Financial Services explains this loan was transferred by XXXX XXXX XXXX, I did not receive any Notices from any company in XXXX. On XX/XX/XXXX there was an assignment recorded on my Property during Covid19 Pandemic. Prior to the dates specified, I have not been contacted from any lenders from XXXX - XXXX. If this debt started with a different Creditor, please provide copy of the original creditor, the account number used by that creditor and the amount owed to the creditor at the time it was transferred. When identified please provide any other names by which I might know them, if that is different from the official name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There are items still showing up on my credit file that has been removed over 18 years ago. Barclays bank credit card company just sent me a denied notice for a credit card and everything that is stated as a reason not to approve me for credit card is wrong and illegal. They stated that they have a charge-off, bankruptcy, severe delinquency, negative performance and that no credit bureau report was not used in making this determination. also, XXXX XXXX has done the same thing. What can be done about this wrong doing by these companies. These types of denials show not be use against me by Federal Laws under the fair credit reporting service.

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 2022-05-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid 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 received a promotional APR of XXXX percent for transfers. However, I also used the card for a purchase to get points reward. the amount of the purchase was {$1100.00}. I paid {$1000.00} payment so as to not incur interest. I was told when I called them that Anything paid over the minimum would be applied to higher interest rate portion of the balance which is why I used it. I could have paid cash but wanted the rewards. 

When I paid the {$1000.00} they only applied it to {$300.00} of the {$1000.00} and now they are charging the interest. misleading practice. I spoke to the rep on the phone and they confirmed that is the case. they are supposed to apply the payment to the higher interest balance.

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 2018-05-14
Company: Chaplin & Papa, P.C.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
A judgment against me was applied on XXXX XXXX XXXX by XXXX XXXX via their Subrogation Attorneys " XXXX XXXX XXXX '' for the amount of {$17000.00} + 6 % from the date of the Judgement. My complaint is that XXXX XXXX  XXXX suspended my license. 

I learned of the suspension because I received a letter from DMV. I then contacted XXXX XXXX   XXXX to determine why and was told because I had not arranged to make payment. I asked the representative how was I supposed to know to do that as I was not sent any type of notice from them to contact them. I expected that after the court decision they would have sent me a letter advising of the final details of the debt and what is necessary to make arrangements for the payment of the dept. 

I have also not received any notice from XXXX XXXX  XXXX that they have made the adjustment to the amount of the debt owed. The VA Insurance Commission handled an issue related to the amount I owe for the claim because of an error on XXXXXXXX XXXX part with the valuation of their client 's vehicle. XXXX acknowledged their error and adjusted the amount owed by deducting {$970.00} from the original amount due but XXXX XXXX XXXX did not send a letter acknowledging that either. 

In summary, they did not send a letter requesting that I contact them to discuss next steps or acknowledge that they have adjusted the amount they are attempting to collect after the date the Judgement was placed in court which was XXXX XXXX XXXX and took the action of suspending my license without giving me an opportunity to make arrangments before the suspension. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Assigned Collector - XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX  by Comenity Bank I paid off the account and told them to close the account I asked to pay extra on the amount due they would not accept the extra {$10.00} They charged me a {$2.00} finance fee and they then charged me {$15.00} twice for fees on a closed account. 
I want these tactics noted and Id like the company under investigation. I never had a problem over paying my final amount to prevent from getting more fees on a credit card. Im upset and I do not want to pay these fees. 
I have found Comenity Bank to be unethical, greedy and suspicious in their practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-06
Company: SYNCHRONY FINANCIAL
State: VA
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 got a XXXX XXXX from XXXX site which is issued by Synchrony Bank. In XXXX I made a purchase ( car tires ) which I was tricked by the company representative before purchase and after purchase. Later on I learned tires were not what the company had advertised for sale. It, lacked safe quality for the use and as a Sr. Citizen I was tricked step XXXX  step until I finally confirmed with a XXXX ( federal government sfety ) that tires I had put on my car were not good products and were not what i was advertised or promised it was so I keep them. I was tricked. I gathered all info XXXX  my purchase including whole lot of complaints about other customer 's posting on how this company tricks people on XXXX to sell their items to XXXX and then to the credit card company. 

The tire company has been a long term merchant with XXXX and pays a lot of money for their transaction to XXXX so XXXX has no intention to take side with tones of customers whom have filed a complaint with theem about this tire company. Since XX/XX/2022 to date, twice the credit company found in my favor and said " case is now closed '' and my accout would be credited for {$230.00} or so. Each time within a few weeks, they came back and charged my account again saying the merchant disputed their decision. The second time, I even sent more stuff and after review the card comapny found in my favor and closed the case in my favor. Yet again they reopened it again. I contacted the card company. The agent told me, merchant does not want to give the money back! I told her, I believed that when a case is closed, decision is final and merchant had to obey credit company 's decision. She said : I do not know they dont want to give money back. Well, the card XXXX  has to do their part, and return my money. The merchant claimed that I needed not only returned the tires back to them ( after they had tricked me to keep tires on my car which cost {$75.00} to put them on and they were not XXXX XXXX XXXX XXXX tires, but they they had to be in the XXXX  condition as day of shipment ). I want the credit card company NOT to take side with this big merchant who gives $ $ $ $ $ $ $ $ $ $ money to XXXX and XXXX credit card XXXX  and honor that a merchant who cheats on merchant by selling less than satisfactory and poor quality merchendise should not beneffit from cheating consumers.

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 monetary relief
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC and receivewd copies of the FTC Fraud report. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included these reports in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need your help removing the following accounts items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$170.00} XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX  XXXX Balance {$3500.00} XXXX XXXX XXXX XXXX  XXXX Balance {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$620.00} XXXX XXXX XXXX XXXX XXXX Balance {$190.00} XXXX XXXX XXXX XXXX XXXX Balance {$69.00} XXXX XXXX XXXX XXXX XXXX Balance {$130.00} XXXX XXXX XXXX XXXX XXXX Balance {$89.00} XXXX XXXX Balance {$76.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$140.00} XXXX XXXX XX/XX/2022

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 2023-07-26
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My Mother, XXXX and XXXX, XXXX visited a chase branch in XXXX AZ in XXXX of XXXX, about 4 months after my Father passed, so we could finish getting things in order from my Fathers passing and to make preparations in the event my Mother passed. XXXX brought our Mother to the Chase bank nearest to our Mothers home to seek professional assistance to guide them with the proper paperwork needed to transfer assets from all of our Parents Chase accounts in the event of our Mothers passing. The Chase employee they met with, XXXX XXXX, selected the required forms to be filled out, provided the forms to our Mother, filled out everything on the forms but the required signatures, and notarized the signatures on the 3 forms. We believed the matter to be settled until our Mother passed on XX/XX/XXXX. Several days after her passing, we began to submit whatever forms and paperwork necessary to settle her estate. When we tried to submit the forms to Chase for the Transfer on Death arrangements that had been previously made, we were told there was a problem with the forms, in particular regarding the savings account. We brought our concerns to the local Chase branch and the manager escalated it on our behalf to a woman named XXXX, who escalated it further to a woman named XXXX from the Chase Branch Complaint and Escalation Group who told me there was nothing they would do to correct the issue and our only recourse was probate which was what we filled out the forms to avoid. The problem seems to lie with the choice of the form used. The form chosen and presented by XXXX is for an investment account, not a checking or savings account even though the number on the form is CLEARLY the savings account number. This is 100 % the fault of the Chase employee my family met with. We counted on him to know his job and advise us accordingly. Everyone makes mistakes, but that does not exclude Chase from the responsibility to make it right. Probate is going to cost a significant amount of money that Chase, according to XXXX, refuses to compensate us for. So now the funds are locked in a Chase account until Probate is settled where Chase can continue to earn returns on money that is frozen due to an error by one of their own employees. Seems like a conflict of interest to me...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
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:
This complaint is from me XXXX XXXX the person not from a third party company or any other person but me this is a real complaint. 
I am the victim of identity theft, i sent in a report and everything that ftc said that i should to get the identity theft removed from my credit but the credit bureaus did not remove any of the accounts that were included in the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
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:
After reviewing my credit report, I have identified inaccurate accounts and information that are not associated with me. I did not provide consent for any of this information to be included in my credit report, and it is significantly impacting my life. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24
Company: Army and Air Force Exchange Service
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:
On XX/XX/XXXX, My account with MILITARY STAR was transferred to their collections department ( XXXX  ). 
On XX/XX/XXXX, I paid the collections in full through XXXX. 

Upon comparing my XXXX consumer report, MILITARY STAR is currently reporting as closed however the current payment history is reporting active collections. How is this possible when the account was paid in full through collections ( XXXX  ) and closed? 
How can a closed and paid off account still actively reporting? 
This a violation of my consumer rights pursuant to 15 USC 1681 Upon comparing my XXXX report, MILITARY STAR is currently reporting as closed however currently reporting on time payments. How is this possible when the account was paid in full through collections ( XXXX XXXX  and closed? 
How can a closed and paid off account still actively report? 
This a violation of my consumer rights pursuant to 15 USC 1681 Upon comparing my XXXX XXXX report, MILITARY STAR is accurately reporting as closed/paid and no payment history. This further proves the inaccurate reporting to XXXX, and XXXX.

Company response to consumer: Closed with explanation