BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-17
Company: EQUIFAX, INC.
State: CA
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:
Upon regular review of my credit report, I found a hard inquiry from a company ( XXXX ) dated XX/XX/2020. I did not recognize the company and definitely did not authorize a hard inquiry. I filed a dispute with the reporting agency : Equifax. They later denied my dispute and stated it was a valid inquiry. But, they suggested I contacted XXXX. I did just that. I had to call twice because the first time, the employee became combative after denying that she told me what the product was. I asked for a supervisor and was told there was none. I called a second time and that employee was of no help. He didnt take my call seriously and told me there was nothing they could do about it. He told me to contact Equifax. So both Equifax and XXXX are telling me to contact each other. Meanwhile, I have a hard inquiry further damaging my credit report which, even though I have a perfect payment history, has an abysmal rating and other than a high credit balance, there is absolutely nothing wrong with my credit. ALL payments on time yet my score is in the 500s. So I dont know what is going on but neither the credit bureau or the creditor are cooperating. I guess my next step is legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 XX/XX/2023, over 30 days ago I sent you a dispute letter and I believe I was to supposed to get an update or notified of the status but I still haven't recieved any response as yet. I believe this is a violation and punishable by law. I am aware that the CRAs are required by the FCRA to comply with consumer disputes and I learn from people online that I need to file a complaint to CFPB, XXXX, and the Office of the Atty General if did not I receive appropriate response.

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 2022-03-01
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process.The accounts are still inaccurate on my report which needs immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX : {$7000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1700.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$300.00}

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 2021-05-17
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I mailed a payment on my Santander Bank mastercard. The statement balance was {$510.00} ; I mailed 2 checks ( XXXX & XXXX ) totalling {$510.00} on XX/XX/XXXX. The payment due date ( shown on 1st page of attachment ) was XX/XX/XXXX. 
On XX/XX/XXXX I received my new statement, reflecting a late fee of {$25.00} and an interest fee of {$9.00}. 
I went online to the Santander site to investigate. The current statement showed an ending date of XXXX and included the late & interest fees, charged on XXXX. ( 3 attached, highlighted pages marked as Exhibit 1 ). 
HOWEVER, when I changed view to the " since last statement '' tab, Santander clearly showed that my check payments had been received in their office on XX/XX/XXXX. ( pg. 2 of Exhibit 2, payment date highlighted ). 
I phoned customer service. I was told that while the payments had been received XXXX, it takes " a couple days to process '' payments, thus generating the XXXX late fees & interest. 
Customer service agreed to remove the late fee of {$25.00} ; I didn't realize at that time there was an additional {$9.00} interest fee charged. 
This is appalling. If the " real '' due date is " a few days '' prior to the date shown on my statement, that should be clearly communicated to cardholders. I understand the postal service has delays, which is why I posted the checks 7 days in advance. Santander Bank is not disputing they received the checks prior to the due date, but they assessed fees ANYWAY.

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 2021-05-25
Company: CITIBANK, N.A.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I spoke to a representative for Citibank in XX/XX/2021 for any relief options available for both of my exceedingly delinquent credit card accounts ( Citi XXXX credit card ending in XXXX and Citi XXXX ending in XXXX ) due to Covid-19 unemployment. The representative offered a payment plan and with that payment plan, my accounts would be what he referred to as " re-aged '' after 3 consecutive monthly payments, after which my accounts would be reported as current. With a small sigh of relief, I accepted the payment plan for both of my only two Citi credit cards. After seeing my credit score drop to an incredible XXXX, on XX/XX/2021, I called to check when I could expect my accounts to be re-aged and brought current. I was promptly informed that my accounts were not in a re-aging program and that I was provided misinformation for my payment plan. Certain there was a mistake, I called back the next day and requested to speak with a supervisor. I was connected to the " escalated info team '' and was given the same answer. I then requested that the 6 delinquent payments that had been reported to my credit since XXXX be removed due to the misinformation I received when I accepted the payment plan. I was declined my request. I would have managed my finances much differently, to pay the lesser delinquent balance so as to not have 2 delinquent payments reported per month, as well as made substantially higher payments.

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 2023-11-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX  ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-06-03
Company: JPMORGAN CHASE & CO.
State: MA
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:
On XX/XX/2023, I purchased XXXX tickets for {$770.00} on XXXX using my Chase credit card visa ending in XXXX. I immediately became suspicious of the website and believed this was a fraudulent website I tried to cancel my purchase immediately by calling the website numerous times at XXXX and was repeatedly unable to get a live representative on the line. This just made me even more concerned and worried so I texted via the website 's group chat support to communicate my desire to cancel the purchase immediately. When I could not get any feedback from the website I decided to call Chase and reported this as fraud. Chase immediately changed out my credit card and I received a new visa ending in XXXX. The following day, on XX/XX/2023, XXXX emailed me a credit refund for the full amount of {$770.00}. See attached. 

On XX/XX/2023, I noticed that the charge of {$770.00} was placed back on my Chase credit card statement ending in XXXX. I called the Chase credit card customer service to dispute the charge and was placed on hold for over 3 hours. I actually called Chase using two different phones, both times I was placed on hold for several hours. Finally I was able to speak with a Chase customer service representative, At this point I was very agitated due to the wait time. Chase customer service representative ( CCSR ) told me that I had to pay the vendor even though I received the full credit refund. I told the CCSR that made no sense to me if I received a full credit refund. The CCSR could see the credit however he insisted by saying I owed Chase {$770.00} and he insisted that I pay the line item on the credit card statement that reads : XXXX. However I do NOT have any tickets. This conversation created more frustration for me because even though I was able to get a refund with the ticket agency website on XX/XX/XXXX why now on XX/XX/2023 was the charge reappearing on my statement for tickets that I do not have. I would like Chase to pull this charge off my credit card statement as it was a full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports and this complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX XXXX Balance {$1900.00} XXXX XXXX XXXX XXXX Balance {$990.00} XXXX XXXX Balance - XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Balance - XXXX XXXX Balance - Bankruptcy XXXX XXXXdischarged Reference Number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-17
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX, I was incorrectly charged for liquidation damages and carpet replacement fees by XXXX XXXX ( XXXX, FL ). This account was then sent to collections, ( Fair Collections & Outsourcing Collections or FCO Collections ) for this amount and has had an adverse impact on my credit file for years. 

The charges outlined on the final account/move out statement provided by XXXX XXXX were incorrect to begin with, which subsequently made the amount of the debt in question invalid : This property was originally occupied on XX/XX/XXXX and lease renewed annually thereafter until XX/XX/XXXX. Per the lease agreement, 40 % of the carpet replacement expenses should have been charged, yet 100 % ( {$1100.00} USD ) was charged instead. ( see attached ) Per the lease agreement, a 60 day notice to vacate was needed prior to the ending of the lease in place. This was provided, but was disregarded or overlooked and the lease was renewed anyway, causing liquidated damages cost ( {$1200.00} USD ). ( see attached along with email correspondence ) In short, this account should have never been sent to collections as the amount due was inflated with incorrect costs. 

I have tried to dispute this derogatory item with creditor, collections agency and credit bureaus but to no avail.

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 2021-05-17
Company: LEXISNEXIS
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX : You violated the United States XXXX Law Hello, I am deeply distraught to find out that you have shared my personal information about my bankruptcy ( Chapter XXXX Bankruptcy Case Number : XXXX ) with the credit Bureaus XXXX XXXX XXXX XXXX XXXX If the credit Bureaus did not obtain this information from you, then I request that you send me a letter stating that you did not share my information with the credit bureaus, and that they did not find out about my bankruptcy ( Chapter XXXX Bankruptcy XXXX XXXX : XXXX XXXX from your company. If you shared my information, that is a violation of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit report. Also Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. Criminally you are in violation of 18 U.S. Code 1028A - Aggravated identity theft, because you repeatedly share my information with new creditors. This punishment can carry up to XXXX years in XXXX. you are also guilty of FDCPA XXXX furnishing deceptive forms, because the forms you sent to the credit Bureaus are misleading, and I feel misled by your actions. I attached exhibit A as proof that this bankruptcy is appearing on my credit report because of the information your company has illegally supplied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
asked company to show proof of information used to verify a debt, they have failed to present me anything but continue to report negative items on my credit report and send threatening letters saying they can garnish my wages and bank account if i dont pay them ... iv sent 2 letters to the companies and haven't received a response, and its been over 60 days since my first letter. when i called the credit bureau they said the debt collectors validated the debt but again fail to provide me with evidence and keep using threatening language...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX XXXX XXXX Made {$500.00} payment @ atm machine ( money order # XXXX ) XXXX XXXX XXXX Got a letter that has been returned ( XXXX XXXX money order company never returned the check and money order cant be bounced ) XXXX XXXX XXXX Made a {$500.00} payment from my checking account to my credit card to cover the returned money order ) XXXX XXXX Got a letter from BOA that {$500.00} credited to my account but i dont see.

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 2023-05-26
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I hope you can help I reached out to the bureaus on XX/XX/2023 and haven't gotten a response. I noticed so incorrect info on my report I'm getting upset! Also I dont know who these creditor are! I will list the accounts below! 

1. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

2. Validate Account XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

5. Identity Theft XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

7. Identity Theft XXXX  Account Number : XXXX Please investigate and delete from my credit report XXXX. Identity Theft MONTHLY PAYMENT Account Number : XXXX Please investigate and delete from my credit report. 
7. Identity Theft XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

8. Identity Theft XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

9. Identity Theft XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hello I have for almost a year now have been following the law to have these credit bureaus TransunionXXXX XXXX XXXX XXXX look into accounts that I truly know are incorrect and inaccurate as well as fraudulent. I have been on more than XXXX occasions a victim of identity theft. 

I have sent dozens of certified letters and filed probably a dozen cfpb complaints on this manner. They have for a year straight violated the rights according to the LAWS pertaining to credit. 

Fair Credit Reporting Act ( FCRA ) XXXX XXXX b ) ( XXXX ) Modify the information, delete it or permanently block its reporting if the information turns out to be inaccurate or incomplete or cant be verified. The law is very clear that the items must be deleted I would dispute the items and they would month after month send me reply after reply stating that the items are accurate and verified. Yet There hasn't been any proof sent on behalf of the credit bureau verifying this with any documents I have signed or committed to create. 

When I would question them on letters after their " alleged '' verification, I would ask how did they verify the accounts, what source they used and who was involved the names and method by which they " verified '' the items. 

Transunion, XXXX XXXX XXXX has yet to send me that proof or response. I have spoken with XXXX XXXX XXXX and they say I do have a case. Every letter I have ever sent them has been certified and trackable. 

I too can prove how they have broken the law for a year straight now. 

The amount of debts ran up on my credit are all fraud and I have even summited a police report and FTC identity theft report and sent those files to each of the XXXX credit bureaus listed in this complaint. 

Still Negative items that haven't been proven time and time again or verified or validated still remain on my credit report. 

Each time I would call and dispute I would always get a foreigner from another country more so the XXXX and they don't help truly dispute. 

At this time I am pleading with you all to help correct this error on their part. My letters explained how they are violating the law time and time again. 

The dates are from XXXX was when I first began the process of disputing inaccuracies. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Are all the months I disputed last year that I can remember. 

XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX along with Last month XX/XX/XXXX I have disputed items every months listed and the same items and the same process the companies are not following the law as I have requested the items to be removed for violating the law and they are all incorrect and 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