BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-08
Company: Experian Information Solutions Inc.
State: PA
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 recently received a copy of my consumers reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant XXXX XXXX XXXX. XXXX XXXX XXXX {$110.00}

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 explanation
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
In the summer of XXXX I received a late night message that my Experian credit rating had went down. Upon checking my credit report the following morning I found a collection on my Experian credit report from a company named " XXXX XXXX XXXX '' that I owe them a " Balance {$1000.00} '' Balance with a " Balance updated XX/XX/XXXX '' and having unexplained " Account number '' of " XXXX '' opened in XX/XX/XXXX. 

I opened no such account and made no such arrangements of any kind. I've now been given the run around for the past four years and the credit reporting agencies will not appropriately investigate and provide the details of me having opened an account or made payment arrangements. It would appear the collection stems from an account they have no records for which is far beyond the statute of limitations for collections. I have since sent letters to all three major credit reporting agencies which included the following statement : Please adhere to the attached Consumer Financial Protection Bureau CFPB order to XXXX XXXX XXXX in the following document - https : //files.consumerfinance.gov/XXXX XXXX XXXX regarding the file include : Account type - Debt Buyer Seller : XXXX XXXX Acquired On : XX/XX/XXXX Account Open Date : XX/XX/XXXX ( I opened no accounts at all that year ) Status - Collection account. {$1000.00} past due as of XX/XX/XXXX. 
Last Payment : {$290.00} on XX/XX/XXXX ( I did not make any such payment ) Status updated- XX/XX/XXXX Contact info Name 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 2023-05-23
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
With CItibank, somehow, we were signed up for estatements. We don't do estatements. Never have, never will. Citibank reached to us when the account went 30 days past due. We weren't aware of the estatement situation ( in checking all of those estatements that we didn't sign up for were sent to our junk file ). We have a stellar history with Citibank and have ALWAYS paid them in a timely fashion. 

Now, because Citibank didn't reach out to us until the account was 30 days past due and we were signed up for estatements ( again, something we don't do with ANY creditor ), they reported one past due to our credit. It has damaged our credit and I've had other credit cards reduce our credit ( XXXX XXXX ) by {$2000.00}. Irresponsible behavior by a company and a lack of follow up on their behalf has damaged our credit. I am furious. We spent a lot of time getting our credit rating over XXXX and that has been damaged by Citibank. 

Citibank has been contacted on this issue. They claim we signed up for estatements in XXXX of 2023. Again, we would never do that. Further, Citibank SHOULD have reached out to us before it was 30 days past due ( many companies due in these circumstances ). If you look at our credit history, we have no missed payments. These " accidents '' have long term ramifications for the consumer and it is wrong for them to report it without contacting the customer. 

I have attached the notice from XXXX  XXXX and I want Citibank to reverse this reporting to XXXX or I will pursue legal action.

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 2022-03-23
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The 3 credit bureaus aren't investigating disputes. I file a dispute about XXXX missed car loan payments. I had arrangements set up with the creditor to defer payments due to covid-19.

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 2023-10-11
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Chase reported I owe them a balance on of the credit cards that belonged to a C-Corporation. The corporation was shutdown in XXXX  due to financial problems. I explained Chase, I am not responsible for the charges on the credit card. I personally did not use the card. They told me as per their policy, my personal information is tied to this card, hence I have to make the payments. They have declared delinquency several times on my credit report to force me to pay the balance. I eventually agreed to make monthly payments, which they started taking and after two years of payments they have handed over the case to a third-party collections company. 

The collections company harassed me every day, and they appeared on my credit report. XXXX has hurt my credit once again by bringing XXXX collections company. 

Chase failed to explain why corporate card was being charged back to an individual, why they are using consumer 's SSN to collect the money. Why did they declare delinquency while dispute is being investigated? 

Why did they bring a third-party collections when there is an agreement for a monthly payments, they clearly took several months of payments via auto-payment arrangement. 

Today, I settled with the offered balance with the collections company and I want Chase to repair my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
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:
In accordance with the Fair Credit Reporting Act, the list of the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

- 15 U.S.C 1681 C ( A ) ( 5 ) No consumer reporting agency may make any consumer report containing any of the following items of information other than the records of conviction of crimes which antedates the report by more than seven years.

- 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to correct these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against you. This was already included in my prior complaint and I'm including it again : XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account 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 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX Account # XXXX {$25000.00}, XXXX XXXX XXXX Account # XXXX {$100.00}, XXXX XXXX XXXX {$370.00}. 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

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 2023-04-19
Company: NEW YORK COMMUNITY BANCORP INC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
The approval letters from HAF ( Homeowner Assistance Fund ) state the amount they approved me for and number of payments, and those are attached in MyLoans, and HAF customer service say they informed Flagstar in regards to payments, yet Flagstar is applying their own way, money sent from state that are not on the approved letters. The money approved from HAF on the letters are {$100.00} for HELOC and {$910.00} for main mortgage. This month flagstar applied {$100.00} to heloc and {$880.00} to main mortgage.

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 2022-04-26
Company: EQUIFAX, INC.
State: OH
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:
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 1 ) Account Name : XXXX  XXXX Account Number : XXXX Amount : {$780.00} 2 ) Account Name : XXXX  XXXX Account Number : XXXX Amount : {$660.00} 3 ) Account Name : XXXX  XXXX Account Number : XXXX Amount : {$5100.00} paid by my insurance I also have gap insurance with them at the time 4 ) Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$150.00} XXXX ) Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$760.00} 6 ) Account Name : XXXX XXXX Account Number : XXXX Amount : {$730.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2022-10-04
Company: Experian Information Solutions Inc.
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:
I sent my letter off on XX/XX/XXXX XXXX. I told the credit bureaus to investigate every piece of information on the account I have listed below Also I have attached the letter I sent out and here is the Tracking # XXXX requesting them to do on investigation on the accounts below. I also sent another letter on XX/XX/XXXX requesting on re investigation because I was not satisfied with the first results. 
Experian respond by letter stating that the item was verified .I also attached the letter I received from EXPERIANThey stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies on all three Bureaus 1..Acc # # XXXX XXXX XXXX XXXXl XXXX Account detail on account is [ inaccurate Last report on account is [ inaccurate Comments [ inaccurate Date last active on account is [ inaccurate Date of last payment on account is [ inaccurate 2..Acc # XXXX XXXX XXXX  Date open on account is [ inaccurate High credit limit reporting on account is inaccurate. 
Last report on account is [ inaccurate Date last active on account is [ inaccurate Date of last payment is [ inaccurate Please see attached of my updated credit report showing the hiLight inaccurate information on all three beru

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 2021-01-08
Company: Experian Information Solutions 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:
I have submitted my information the 3 credit bureaus to have the incorrect and inaccurate information remove my credit reports ; the information stills remain on my report and I would like them removed

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 2021-01-08
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:
I have submitted my information the 3 credit bureaus to have the incorrect and inaccurate information remove my credit reports ; the information stills remain on my report and I would like them removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: CBC Companies, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To Whom It May Concern : The reason for my dispute is the following accounts : XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX . I am unable to locate documentation that they complied with these requirements, which is a violation of the FCRA & FDCPA 609,623,611, Section 807 ( 11 ) & FDCPA 809. Under Sec. 809,  they failed to send me my initial communication before placing these alleged items on my credit reports ; further violating the FCRA, these above-mentioned companies are held liable as well for defamation and in the state of OHIO. I fail to see where any of these companies are in compliance with OHIO LAW. I also have reported these accounts to the FTC and XXXX Police Dept. I need these miscellaneous accounts to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
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:
On XX/XX/2022 {$100.00} was charged to my account from a XXXX 's XXXX XXXX MD. I was not in XXXX at the time. Clearly, I was making purchases that day in XXXX, SC where I was that day as clearly seen on my bank statement. I submitted a fraud claim to my bank and it was rejected. They claim that my chip was used, but it appears that my chip was copied.

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 2021-01-08
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Around XX/XX/2020, after doing my annual credit report pull. I noticed fraudulent accounts were reporting on my credit reports. One was with WAKEFIELD & ASSOCIATES LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. I have attempted to contact all parties. XXXX XXXX has removed the fraudulent reports from XXXX  and XXXX  but not XXXX. XXXX XXXX XXXX  XXXX  XXXX  have removed the fraudulent reports from XXXX  and XXXX  but not XXXX. XXXX XXXX has removed the fraudulent reports from XXXX  and XXXX  but not XXXX. WAKEFIELD & ASSOCIATES LLC continues to make fraudulent reports on XXXX, XXXX, & XXXX. WAKEFIELD & ASSOCIATES LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX  XXXX  has been contacted multiple times by me to request information for these fraudulent accounts. I have filled out the required information that accounts for all three credit bureaus, as accurate and refuses to give me information proofing this fact. Now they have stopped responding to my emails even after speaking with 3 of their supervisors. I've filled out identity theft and CFPD reports. Which they ignored that along with multiple FCRA laws and are not limited to section 609 allowing consumers to request copies of my credit reports and the associated information that appears on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Chime Financial Inc
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
XXXX XXXX dollars was taken out of my account from a XXXX I have no clue who that is. Now my account is in the negative that amount chime bank will not return the money and zero out my account now my next direct deposit will be used to pay the over draft amount of XXXX dollars of which I did not make. And when I asked for paper work they refused to give me anything or to help me out and told me it will take 120 days to resolve and Im going to loose my paycheck due to this. They just keep transferring me and telling me they will not fix the issue. I need help getting my account XXXX balance. Before XXXX XXXX XXXX or I will lose my paycheck other wise I want my pay check refunded when the balance is covered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My XX/XX/2023 statement showed a statement balance of {$1600.00}. The breakdown is as follows : {$970.00} previous balance, {$1100.00} in new purchases, {$22.00} in interest LESS {$460.00} in payments made. I paid a total of {$1800.00} in XXXX which paid off the entire XXXX statement balance ( and more ). I just received my XX/XX/2023 statement but it's showing {$26.00} in interest charges with {$1200.00} balance subject to interest. Where is this balance subject to interest coming from if I paid off my entire XXXX statement?

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