BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: FL
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 explanation
Consumer complaint received 2019-09-20
Company: TRUSTMARK CORPORATION
State: AL
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:
XXXX is refusing to dispute/delete fraudulent information from my credit report even though I have told them I did NOT make these inquiries. I have spoken to each of the inquirers and they have stated they would inform XXXX to delete the inquiries but they still have not done so. 

The inquiries are XXXX XXXX : XX/XX/XXXX Trustmart National Bank : XX/XX/XXXX Trustmart National Bank XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX   XXXX : XX/XX/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 explanation
Consumer complaint received 2022-08-10
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:
Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. However, if they failed to do so, they are obliged to remove the account which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the account I am concerned of : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
While reviewing my credit report from Equifax and XXXX, I noticed several medical accounts in collections. Ive called the collection agency which is XXXX XXXX XXXX more than 30 times requesting verification/validation that the collection accounts belongs to me. Each time the customer service representative I spoke with stated that they cant verify the debt. Ive disputed the collections accounts with XXXX  and Equifax several times and each time it came back as verified. Ive also sent Method of Verification letters to both XXXX and Equifax. The disputes was closed because it was verified as accurate. The two credit bureaus above refused to provide me with their Method of Verification for the collection accounts with Optimum Outcome listed on my credit report. According to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available.

FCRA 611 ( a ) ( 7 ), which is used for such a request, states : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have transferred the money to savings account. I have cancelled all my bills and wasnt expecting a charge. They paid XXXX and charged me overdraft fee. I contacted the bank and they stated that it is correct and my back up account wasnt connected to the checking and I got charged a fee. It states on the company policy that as of XX/XX/XXXX they are eliminating insufficient funds fee. They didnt eliminate one for their loyal customer and try to charge you any fee possible. Please take a look at this company.

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 2021-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I've noticed unauthorized inquires on my report and have reached out to both the company and Credit Bureau. These inquires are fraud related and were made without my authorization. 

XXXX XXXX XX/XX/XXXX, XX/XX/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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: IN
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 need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities.

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 2022-07-06
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2006 I obtain a mortgage from at the current time was Wachovia Bank and is now Wells Fargo after I was qualified from the state of XXXX XXXX to purchase this townhouse at an affordable rate which was {$77000.00} and the fare market value at that time it was {$260000.00} and was built new for me. 
I have the reason to believe that I was discriminated against because of my XXXX  etc.I am an XXXX XXXX. 
The interest rate that I was giving and still have is 7.000 % at the time in XXXX  I had an average credit score from at-least 2 major credit reporting agency of XXXX. 
I did the short math and at the 30 years of mortgage goes the full term I would then have paid {$230000.00} for a {$77000.00} loan. 
Its seem to me thats something is wrong with that scenario, its seem to be very unfair. 
I contacted Wells Fargo like 2 years ago and made a complaint, Wells Fargo did there investigation and there results claimed that the reason for the high interest rate was because I had only a XXXX credit score at that time, and that is untrue.

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 2019-09-18
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Pay Care Credit the total full amount on my account which was applied to my balance on XX/XX/2019, I also contacted SYNCHRONY BANK/Care Credit the very next On XX/XX/2019 to confirm that my payment was received the full amount of which they were paid which they did do. Care Credit Synchrony Bank AKA Care Credit was paid in for the total estimated amount of XXXX on XX/XX/2019 and it was posted to my account on XX/XX/2019 with verification the also sent me a confirmation letter that they were paid in full the total balance. I will also be attaching my letter to verify that the account was paid in full with a verification letter and a confirmation code.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Can you update my address and name on my profile.

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 2018-02-15
Company: JPMORGAN CHASE & CO.
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:
Chase Card ( s ). Sent disputes beginning XX/XX/17. Filed disputes requesting creditor to remove negative items if not reported to the credit reporting agencies in compliance with FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
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 applied for a Citi ThankYou Premier Card on XX/XX/2018. I knew that Citi Bank in the past discriminated against users having the same card more than once and trying to get the sign up bonus again. I have never had the Citi ThankYou Premier Card before, and after perusing the terms and conditions, I didn't notice anything that would disqualify me from receiving the XXXX points offered for spending {$4000.00} in 3 months. Upon completing the spending requirement, I noticed that I was not receiving the bonus. I was later notified that they inserted a new clause stating that if you have had ANY Citi card that was opened or Closed in the prior 24 months, then I would not be eligible for the bonus with this entirely different card. Since I had previously had the Citi Prestige Card and closed it 1 year before applying for this card, I was deemed ineligible. The only reason I closed the Prestige card is because the bank stripped all of the perks and benefits that made it worth keeping open and it was no longer worth the hefty {$450.00} annual fee attached to it.

My issue with Citi is that there's no precedent for ever declining a credit card bonus to a customer based on the fact that they CLOSED a completely DIFFERENT card within the last two years. XXXX XXXX notifies their customers when they attempt to submit an application, that the user would NOT be eligible for the card 's sign up bonus and asks whether they would still like to proceed.

I felt like Citi 's terms and practices were and are deceptive and they were perfectly happy to run my credit, take commissions from thousands in spend, and then absolve themselves from any wrongdoing. It's not clear from their terms that having a COMPLETELY different card that was closed over a year ago would disqualify me from this separate card 's sign up bonus. I've asked for them to award me the bonus OR at least remove the hard inquiry from my credit report. They sent me a later saying they've done nothing wrong and that their terms are not misleading. I've encountered other individuals who have been victims of this deceptive practice and unfair terms. Can you please help me not only resolve this issue but ensure that credit card companies, starting with Citi, do not take advantage of users with arbitrary and misleading terms and conditions?

Thank you in advance.

Best, 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 2021-08-18
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: WV
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I took out an automobile loan with First National Bank of PA around XX/XX/XXXX which resulted in a repossession around XX/XX/XXXX. In reviewing my credit earlier this year on XX/XX/XXXX I pulled all three major credit reports and found that this debt was being reported twice on one report ( XXXX  ). The original debt was being reported by the original creditor ( First National Bank of PA for {$8100.00} ) and a debt collector ( XXXX XXXX XXXX XXXX for {$6200.00} ). At that time I placed a credit bureau dispute with XXXX that did not resolve this issue. Recently I started my journey to purchase a home utilizing a mortgage loan. In reviewing my credit history I found out that this loan was still being reported twice with ( First National Bank of PA for {$8300.00} ) and ( XXXX XXXX XXXX  for {$6200.00} ) but now the creditor ( XXXX XXXX XXXX ) is on two credit bureaus ( XXXX and XXXX ). When working with my mortgage lender, and at their request I called and removed the dispute language from my credit reports and also contacted the debt collector to find out who owned the debt so this error can get rectified. When I contacted them ( XXXX XXXX XXXX ) on XX/XX/XXXX at XXXX at XXXX EST, I explained that this debt was being reported by both companies and was looking to find who owns the debt to clear up this error. I was told that this is normal practice for them to both report the debt. At that time I ended the call and discussed the best steps with my mortgage lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have no knowledge of some accounts on my credit report. I didn't even know about XXXX XXXX since I got to this country in 6 years ago, until got separated from my husband and move out then I started receiving letter form companies about debts that I did not own or have knowledge of. 
I called these companies and told them that I did not open an account with them or have knowledge of any accounts. They assured me that the issue will be resolve because they couldn't or have any prove that it was me. 
They did close the accounts and I never received any letter again from them. 
Years gone by I ask told by a friend that I can sign for credit monitoring and keep track of my credit when I will did and discovered that those accounts were added to my credit report. I called the 3 credit bureau agencies numerous times and sent the letters three times and informed them that I have no knowledge of the accounts and they accounts doesn't belong to me. After several dispute they still have the accounts as open and collections without any prove. I asked for prove and they sent me a summary of monthly data of reports that was sent by these companies ( collections ). 
It is clear that these 3 credit bureaus are working for other companies and collections companies to put false information and false accounts into consumers like myself, to use their power to make me as a bad credit consumer. 
And what that means is that I will be false to pay for something that I have no knowledge of, to be able to get approved for any purchase of a car, a home and etc. They have refused to investigate, they have not sent me any prove, they have not deleted the fraudulent accounts and am asking for the intervention.

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 2020-09-24
Company: Radius Global Solutions LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collector called for a party other than myself " XXXX XXXX '' and identified themselves as working for Radius Global LLC Debt which is a debt collections company. It is illegal for them to identify themselves as a debt collector to someone other than the party that owes the debt. This is the second time in maybe a week I have had a debt collector trying to collect a debt I am no part of.

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 2019-02-01
Company: AMERICAN EXPRESS COMPANY
State: KS
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:
I noticed that my balance was low so I checked my transactions I noticed 2 charges on my account XXXX XXXX for XXXX and XXXX XXXX for XXXX both charges on XX/XX/XXXX I called american express serve and filed a fraud complaint and I was told that someone used my card to purchase airline tickets online in their name not my name and they let the charges go through anyway so i filed the complaint and ordered a new card. On XX/XX/XXXX I received an email stating that my complaint was declined. How can they let someone use my card in their name and then decline the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
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:
I was advised to contact you all because I went to a first time home buyer seminar at my church and they had some lenders there and I was told that I did not qualify for the program. They went over my credit report and I see some things on there that I knew nothing about. I have contacted the FTC and my local police. There are still items on my credit report that are not mine. Please remove these items from my credit report. I'm doing this on my own behalf. XXXX XXXX XXXX # XXXX ), XXXX XXXX  ( # XXXX ), XXXX XXXX XXXX,. Please remove these from my credit.

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 2022-03-09
Company: ACIMA CREDIT, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I received a notification from My IDCare.com that there was a credit inquiry under my name or SSN from XXXX payday loan providers last XX/XX/2022 in which I didn't applied for. The companies are XXXX XXXX with tel. no. ( XXXX ) XXXX and XXXX XXXX with tel no. ( XXXX ) XXXX. I tried to settle and have the companies stop whatever illegal operation was being done under my account but they wanted some important information which I don't want to provide. ( my SSN ) In relation to this I would like to report this incident to protect myself or my account from being used in some illegal activities especially loans and purchases. Please help me resolve this problem as soon as possible. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: HYUNDAI CAPITAL AMERICA
State: IL
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:
Kia auto hard inquiry and I have not tried to purchase a vehicle .some one is using my information

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