BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-20
Company: DISCOVER BANK
State: NY
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:
Hello My name is XXXX XXXX, i am writing this regarding a previous case " XXXX '' i provided feedback to discover they said they will contact me for further discussion, its been 25 days i have not got anything from discover. They were also unable to verify that i was present at the moment when those transaction was made. All the transaction was provided with old case number. I don't know why discover is not taking any action about the situation. Its matter of privacy and credit. As discover said same card used at the moment of transaction, i looked it up it could be a possible fraud XXXX XXXX, which generate a unique transaction code with every purchases What makes shimmers potentially more effective that skimmers? They can easily be inserted into indoor, in-store XXXX   terminals, where they record the data being shared between the cards chip and the terminal. Whats more, when the scammers periodically collect the shim to harvest its bounty, they appear to be doing nothing more than paying at the terminal. 

i have used my credit card at the same location before so i believe same thing happened to me. if discover can't protect their customer, its my fault getting penalized for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX I XXXX dollar payment posted. Also the funds came out of my bank. When this happens my available credit goes back up. Customer service states they have the right to wait 7 additional days before allowing me to use my money. This has never happened to me before. I dont think this policy is legal. I made those payments because I am relying on the available credit to pay bills. 

This is Capital one

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
AMERICN EXPRESS have a new system in place with fraud reporting/Dispute reporting ... they put you on a blackilist so the system does not let you process the dispyte and they put you on an extra long hold because they recognize your cell phone number and do not let you report the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Pro collect shows up on my credit report to owe {$210.00}. 

I contacted the collection agency, at XXXX XXXX in attempt to pay the debt. When they refused to provide a proof of payment or receipt of payment by email for me I asked to speak with a supervisor or higher authority, the lady put a man by the name of XXXX XXXX on the phone, he refused to tell me his first name because he said that it is against their policy I went on to ask his position, he told me that he is a recovery specialist I asked if he was a manager or supervisor and he told me no. I told him that I specifically asked to speak with a supervisor or someone of higher authority and he told me that he could not allow that. He then stated my name to be XXXX XXXX I told him that is not my name and he then asked for my name. I said Im not giving my name since you have my social tied to someone else, he then said that there is two names and he just assumed mine was XXXX XXXX. I refused to give my name after discovering that a different name is tied to my social. He then began trying to force payment by asking for my card number while yelling at me that he was putting me down as refusal to pay. He continued to talk over me when I continued to ask for a supervisor. Repeating that he was putting me down as refusal, he told me there isnt a reason for me to speak with a manager that there isnt an issue. I told him that they have my social tied to a different individual and he just continued to yell that he has updated my status to refusal to pay and I stated again that I didnt say I was refusing to pay but that they have incorrect information against me. I never received anything in the mail, they didnt even have my address but asked for it.

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 2017-12-01
Company: Experian Information Solutions Inc.
State: WI
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 have recently pulled my Experian credit report and noticed accounts that have been investigated and deleted by another credit bureau are still being reported by Experian. 

Attached to this letter is proof that these accounts were deleted. Please follow suit and delete the accounts for accurate reporting. The must be deleted in order to show my true credit history. 

XXXX has removed all the accounts listed below

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 2019-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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'm very disappointed in the handling of the major credit reporting agencies inwhom is responsible for whats being reported on my report. I have disputed these accounts but its obvious that imma have to file suit against the credit reporting agencies. There's a reappearing account ( XXXX XXXX {$1000.00} ) inwhich according to the FCRA when this happens the credit reporting agencies shall notify the consumer within 5 days. Also these following accounts are not mines, ( 1 ) XXXX XXXX XXXX {$1000.00}, ( 2 ) XXXX XXXX XXXX  {$920.00}, ( 3 ) XXXX  XXXX XXXX {$730.00}, ( XXXX ) XXXX XXXX {$26000.00}, I'm demanding that these accounts be removed immediately 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 2021-05-02
Company: EQUIFAX, INC.
State: TN
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 contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX ) and the creditors ( XXXX XXXX XXXX XXXX XXXX XXXX  ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: EQUIFAX, 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 am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX never mailed me anything to this account all I ever received was from a letter from XXXX XXXX saying it was been transferred to XXXX XXXX XXXX. 
XXXX XXXX XXXX never contacted me nor mailed a letter by law. I did not even have the right to dispute the debt that is on my credit report. 

XXXX XXXX bought this account back from XXXX XXXX XXXX This account does not belong to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
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: Was not notified of investigation status or results

Complaint:
I sent letters to Experian, XXXX, and XXXX  over 60 days ago and I still haven't received any response from any of them. I feel like I am being taken advantage of and ignored on my disputes. I'm heavily stressed and I hope the CFPB can help me resolve this issue AS SOON AS POSSIBLE.

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 2019-04-09
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I began working on my credit a couple of years ago at which time I had to go through debt and sort it out. So one of the things I was able to get off the report was a XXXX XXXX do that was very old and not accurate. Somehow after having a clear report for at least a year it shows up under the name XXXX for the same debt. It is a closed account but has been taking care of a couple of times. I would just like to have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
Experian Report # XXXX XX/XX/XXXX Experian has Inquires in which I put in an opt out 2 years ago in XX/XX/XXXXand XX/XX/XXXX and Experian still has companies doing Inquires that was shared and I did not consent and opt out for all promotional and inquires. I have inquires on my file that show and I want them removed. 

1 XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2 XXXX XXXX XXXX XXXX XXXX 3 XXXX   XXXX XX/XX/XXXX XX/XX/XXXX 4 XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX 5 XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 6 XXXX XX/XX/XXXX Experian XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 7 XXXX XXXX XXXX XX/XX/XXXX 8 XXXX XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 9 XXXX XXXX XXXX  XX/XX/XXXX XXXX Experian XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 9 XXXX/XXXX XXXX XXXX 2 SHOWING 10 TOTAL CARD 11 XXXX 12 XXXX XXXX 13 XXXX XXXX 14 XXXX 15 XXXX XXXX XXXX XXXX 16 XXXX XXXX  XXXX XXXX 17 XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 20 XXXX XXXX XXXX 21 XXXX/XXXX/XXXX 22 XXXX  XXXX 23 XXXX XXXX XXXX 24 XXXX XXXX XXXX 25 XXXX/XXXX XXXX 26 XXXX/XXXX   XXXX 27 XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX 28 XXXX/XXXX  THERE SHOULD BE NO INQUIRES ON MY CREDIT FOR PROMOTIONAL OR ADVERTISING BEEN GOING TI MY CREDIT FILE WITH OUT MY CONSENT OR EXPERIAN JUST LETTING ME NO BEFPORE MAILING ME GETTING MY APPROVAL OR CONSENT Experian has a lot of marketing going on my credit file I did not request or apply for. 
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 2018-03-23
Company: Harris & Harris, Ltd.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my debt because it was to be submitted to my insurance properly. They are not submitting properly. I gave them both my insurance information and they did not submit it to my secondary insurance. I called and gave it to the hospital and they never saved it. I called to ask them why they sent it to collections and they said they didn't have my secondary insurance on file, even though I had already given them all the information. I was wrongfully sent to collections. I talked to the debt collector telling them I do not owe this debt and it was wrongfully sent to them. They took my insurance information and said they would rebill it. I contacted my insurance and they are not getting the bills sent to them and they are just putting me in collections instead of properly submitting the bills. I do not owe this. It is not being handled and I do not owe this debt and due to improper handling of this account I was wrongfully placed into collections because I was told it was ok and the hospital would send it correctly to my secondary but didn't and just sent it to collections instead. This is not accurate billing practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Addendum to.complaint XXXX I received call from executive cust service office XXXX. She.verified I could.close and.cash.out.my account.on fri.XXXX. We agreed on a bank office but i later realiZed it was 80milea away per XXXX so i called.to change to XXXX mi.office. i called ahead and the manager stated she had.been notified to close the account.but that could not.happen for theee days. Of course XXXX is a bank holiday so 4 more days in addition to the three already.with absolutely no funds. I called XXXX back and she was not available i spoke to a male manager who stated i would not.be able.to close for atleast 3 daya.and would receive a cashier 's check within 10 days.of that.time. i told.him i have no use for.a.casbier check i wanted cash.and i could.not go another 14days.without.funds. i opened this account.with.XXXX cash and.i am leaving with cash. Well nothing.was done i deove.30minutes to the.branch and was transferred to multiple offices and everyone had a.different story. We are getting a foot of snow.i have livestock as.mentioned before. I need to feed them. And I need to fuel.my.truck. this has.caused.me.great hardship. Financial.freedom is an illusion in this.country.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Experian Information Solutions Inc.
State: AL
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:
dealing with a problem like always with these guys. no response to consumers who have innacurte things on their 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 2019-04-09
Company: Experian Information Solutions Inc.
State: NV
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:
After receiving a copy of my credit report I realized I have a fraudulent hard inquiry. Please remove this fraudulent hard inquiry from my credit report. XXXX  XX/XX/2019

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 2018-04-20
Company: WELLS FARGO & COMPANY
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:
The whole issue we are trying to resolve is I refinanced and didn't receive anything in the mail from wells Fargo untill you called in XX/XX/XXXX saying I missed XX/XX/XXXX payment and I didn't know you billed me. I was waiting for my first statement. So when I got the call the XX/XX/XXXX payment was missed ... I didn't know where to remit payment and I paid both XX/XX/XXXX and XX/XX/XXXX together. After that I had the payment details and was able to continue paying. 

Because I refinanced and got a new lender I was unaware when and when to pay. Please remove 30 days late reported in XX/XX/2018

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 2019-03-20
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX conducted a hard pull on my Equifax credit report without my permission or authorization. I contacted them a month ago through a page on their website demanding that they correct the error but the hard pull is still reflected on my account. I have never done business with XXXX, am not interested in their services, and do not want them accessing my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: SYNCHRONY FINANCIAL
State: NV
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 received a copy of my credit report and I realized I have a fraudulent hard Inquiry from Synchrony Financial. I contact them by phone, by mail, I complained I they havent removed this fraudulent hard inquiry from my credit report. XXXX   XX/XX/2019

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 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
dealing with a problem like always with these guys. no response to consumers who have innacurte things on their 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 2020-05-06
Company: EQUIFAX, INC.
State: AL
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:
dealing with a problem like always with these guys. no response to consumers who have innacurte things on their credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I sent letters off over 45 days ago no response from all 3 of these clowns of bureaus. I am tired of dealing with this problem.

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 2018-02-14
Company: VW Credit
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 status incorrect

Complaint:
XXXX XXXX XXXX XXXXXXXX is reporting to all 3 agencies that in XX/XX/XXXX & in XX/XX/XXXX there is " no data available '' although I paid both months on-time and in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-27
Company: JPMORGAN CHASE & CO.
State: IL
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:
In XX/XX/2019 I called Chase to discuss my credit card bill and also to close my account. I spoke with a representative and advised them that I no longer have use for this card and would like to have it closed. At the time, my bill came in for {$170.00} with payment due on XX/XX/2019. I asked for a courtesy refund of the XXXX $ annual fee - the rep agreed that since the fee was only charged in XXXX, I qualified for the reversal. I also asked for the fees to be waived, which the rep agreed could be done, {$27.00} in fees, and {$2.00} in interest. Since I was getting all these reversals, the rep told me I only needed to pay the DIFFERENCE. 
So the math for this was : {$170.00} minus {$95.00} mins {$27.00} minus {$2.00} = {$50.00} remaining balance and payment due. I made the {$50.00} payment on XX/XX/2019. Yet I received a bill for the XXXX statement with a balance on my account. My account should have been XXXX  'XXXX out by the XXXX statement. Now the XXXX statement comes with late fees, interest, and other fees. which is extremely deceptive and abusive, also ridiculous because it's unwarranted. It is not my fault that the rep did not do as promised. I am not liable for this bill. The rep failed to reverse all the charges, and HENCE XXXX continue to have a balance and now additional fees that I am not liable for. I am requesting for everything to be made whole and all fees/annual fees to be reversed as promised. This account should be at XXXX.

Company response to consumer: Closed with monetary relief