BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-19
Company: EQUIFAX, 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:
My name is XXXX XXXX. This has been longer than usual and my dispute has been over looked and Im very disappointed in how your system is made to fail and it is purposely done to ignore that you are the cause of my problem and Im not afraid to sue you in court for damaging my credit file. Youve leaked my information and caused my personal information to be seen by millions and now my file is damaged badly. Yes your company is the one to blame for this situation my file has been used more than a few times and Im tired of it. I will be suing for damages of the total accounts listed in the attachment area. I am unaware of the accounts and they need to be removed immediately following your investigation. I will be following up in less than a week and if it isnt removed I will be forced to go down to the XXXX XXXX XXXX XXXX House to file a lawsuit, contact the FTC, and place your company public record online of how you falsely mistreat consumers by placing inaccurate account for money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: Experian Information Solutions 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 have initiated several disputes with the major credit bureaus to resolve a glaring inaccurate account that is dragging my credit score down. XXXX XXXX XXXX XXXXXXXX is reporting 1. 180 day late status since XX/XX/2014, 2. reporting me 120 days late every month since XX/XX/2014 3. Shows my monthly payment as what the balance is and 4. Shows my terms a " 1 month ''.

Attached is my credit report pulled by the mortgage company, at the bottom of page 8 of 21 is where you will find the XXXX XXXX XXXX  XXXX. 

It seems that the credit bureaus will not investigate or fix an account because they are receiving monthly premiums for reporting regardless of what impact it has on the consumer 's financial health. 

I'm hoping this will help me fix this issue

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 2020-08-19
Company: Experian Information Solutions 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 received a call from a student loan company stating about a debt I needed to pay. I he.ve never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. US DEPT OF ED/XXXX,  XXXX XXXX, XXXX XXXX, XXXX XXXX. I have contacted the FTC and my local police and I am doing this on my own. 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 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 2022-10-06
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:
This is my several attempt to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 

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. 
This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NV, XXXX, XXXX XXXX XXXX Open Date XX/XX/2016 Balance : {$7200.00}

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 2021-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Capital One Venture One Card. 
{$100.00} Interest charge billed on XX/XX/2021.

I paid off my credit card balance on XX/XX/2021 after calling and getting the payoff. I actually overpaid to make sure I wasn't going to get billed any extra interest. The overpayment amount ended up being {$270.00}, which was refunded to me on XX/XX/XXXX. 4 days later on XX/XX/XXXX the interest charge then appeared on my statement. 
I called Capital One today and asked to have the charge removed, which they refused to do. 
I am upset and feel powerless, thus the reason I am contacting you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-08
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX has placed a debt on my XXXX, XXXX, XXXX credit reports stating that I owed a debt of {$1800.00}. I have reached out to them several times requesting a copy of any documents providing bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting and also on my credit bureaus.. I have been maintaining a careful record of communication with you for the purpose of filing a complaint with the CFPB and the Attorney General 's office. I have repeatedly asked for evidence to support your reporting, but yet again you have failed to provide me a copy of any viable evidence. This incorrect reporting has had a tremendous impact on my credit and your lack of cooperation is unacceptable. Please remove the debt of {$1800.00} that does not belong to me off of all 3 of my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I've been contacting Equifax since XX/XX/2018 regarding a fraudulent inquiry from XXXX XXXX that was placed on my credit. They wouldn't remove it, now I have a charge off/collections account from the same XXXX XXXX company on my credit. I have contacted all 3 credit bureaus and XXXX XXXX and it was in fact deemed fraud. A letter from XXXX was received & sent to all parties involved stating it needs to be removed from my credit report. Equifax is still not removing this item and it is preventing me from buying a home as it has dropped my credit score over 70 points. My data was part of the Equifax data breach and I believe that is how this occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have checked my account and on my credit report they show a balance of {$1700.00} owing on my account when I actually owe {$610.00} on the account. I have called and to no avail no one was willing to assist me in correcting this accounting error.

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 2018-06-15
Company: JPMORGAN CHASE & CO.
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was issued a check from XXXX XXXX XXXX XXXX on XX/XX/XXXX. The commission check in the amount of {$5000.00} U.S.D. was deposited into my J.P.Morgan Chase Checking Account on XX/XX/XXXX. The Check Cleared the XXXX XXXX and the funds were available on XX/XX/XXXX. No Problem.

On XX/XX/XXXX I notified the XXXX Branch Bank Manager XXXX XXXX that there was Fraud on my Chase Checking Account in the Amount of {$5000.00} U.S.D. That there was an International Debit-Online Transfer that was not authorized and this was a Fraudulent Transaction. I closed the checking account that day with XXXX XXXX and opened up a New Checking Account with Chase on XX/XX/XXXX. I have since been put into International Collections and there has been no proof from J.P.Morgan Chase as to where the funds were transferred to? No copy of a wire transfer confirmation. Nothing showing the routing information for the proof of where the funds were sent. Chase is claiming that the check from XXXX XXXX XXXX was returned for NSF. I have been in constant contact with this company who I have done business with for over twenty years and they have confirmed that the check was cleared on XX/XX/XXXX from their account and their Bank has never requested the funds be returned or have they ever received any funds back from this Fraudulent J.P.Morgan Chase Transaction. No One at Chase seems to care where the funds were wired to or if they were received and by who? I have a long email string with XXXX XXXX-Chase and XXXX XXXX-XXXX XXXX who has produced two documents from their bank Desjardins showing the check was cleared and processed on XX/XX/XXXX. I need J.P.Morgan Chase Bank to return the Funds I have in the closed checking account along with the fees I have incurred from other banks for missed automatic payments that have been set up on the chase checking account. I have had this Chase checking account since XX/XX/XXXX with no problems. And as soon as I do have a Fraud Alert for them they have no interest to help me and that is why I am asking for your help. Thank You. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: SYNCHRONY FINANCIAL
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2018-11-29
Company: CITIBANK, N.A.
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I signed up for this checking account with a sign up bonus offer of {$600.00}. 
I have met all the requirements and the same has been confirmed by the CITI bank customer care agents. 
The last date for the {$600.00} has already passed and In spite of multiple follow ups nothing has been done. 
Please Deposit the promised bonus. 
Thanks.

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 2020-11-13
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
The credit bureaus/collectoion agencies have yet provided me with the validation/proof of debt that ive been requesting since XX/XX/2020. Numerous of accounts with inaccurate/invalid reportings per the metro compliance requirements. not to mention allowing companies to report such debt when thyre not licensed in the state of Texas

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX has reached out to the Collection Company of Diversified Consultants to collect a debt of {$140.00} that has already been paid to XXXX XXXX months ago after I closed out my account at a previous location. I can not understand why this company is stating that I owe this balance when I currently have service with them after I moved from the location that they are stating I left a debt of {$140.00}. It is highly unlikely that they would give me service at a new location if a previous bill has not been paid. You have damage my credit with this incorrect reporting on my bureaus ( XXXX, XXXX, XXXX ). I graciously ask you to delete this incorrect reporting from my all  bureaus. I make great efforts to keep my credit in order and to have something such as this reported on my bureau is unfair especially since you have extended me additional service. Please delete the amount of {$140.00} for all 3 credit bureau agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: Radius Global Solutions LLC
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Most recent calls from Radius Global Solutions were : XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX. The numbers they are calling from XXXX and XXXX. Amount they are trying to collect is {$1400.00}. They call me while I am at work and I make sure I tell them that. In one call, they asked if I could make a post dated payment of {$50.00}. When I told them that I intended to make a payment and when, they questioned me my intentions in doing so. I had to block the numbers Radius is calling me from.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
I received at late fee on my Capital One Credit Card account ending in XXXX on XX/XX/XXXX.Due to the pandemic I have been facing difficulty & asked for this fee to be waived. When speaking with a representative I was told the late fee could not be waived & the representative could not tell me why- further stating the computer does not give the reason for denial. I did hear another representative issuing a fee waiver for another customer while speaking with the representative.Capital One is refusing to extend the same courtesy to all its cardholders, which is discrimatory, why am I not given the same courtesy as other cardholders- furthermore why is Capital One refusing to give a valid reason as to why Im being denied the courtesy. Capital One wants to avoid admission by creating a false narrative- blaming the denial on a computer generated system. Computers are programmed to operate as intended- it is unethical for a company to deny a consumer the same courtesy as all cardholder- that is infact discrimination, while blaming the denial on a computer generated & refusing to give the cardholder a reason for the denial. I spoke with a representative in a leadership position by the name of XXXX XXXX & was told I could not be given more information the system simply said " I did not qualify '' - however- Capital One has stated cardholders are given a courtesy each year, XXXX reminded me I was given a waived fee in XX/XX/XXXX ( during the pandemic ) ; it is now XX/XX/XXXX- the pandemic is still affecting milliions of people- why am I not given the same courtesy as other cardholders for the XX/XX/XXXXyear.? Capital One is using discriminatory practices by not offering the same courtesy to all its cardholders, this is unethical, discriminatory which is illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-08
Company: Credit Associates of Maui, LTD
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:
XXXX collections agency shows account open with XXXX balance. This account was discharged in a bankruptcy. They have harassed me for years and continue to do so. They finally acknowledge my lawyer with the bankruptcy. Now they are keeping account on my record open and have not removed it from all credit reporting agencies, like the other reputable companies. I have filed multiple disputes with XXXX to no avail. They seem to let them do what ever they want. Please help me I am XXXX and they will not leave my credit alone. They have remover it, added back at lower amounts then they add more money, constantly change my credit report for the worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, 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:
Experian blocked my credit information following a letter received from the FTC indicating my address where I live was fraudulent. This was not correct and now I want a copy of the letter. Was forced through escalations at Experian for over 1 hour yesterday to get the address added back by validating drivers license, bank statement and scathing letter demanding fix 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 2018-06-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I deposited {$2500.00} in XXXX bills of XXXX 's into an atm at a Chase bank. The atm malfunctioned and said that it ran into a snag. The only thing I received in return was a receipt stating the error. I called them the next day stating the problem and that my funds were not to be found. They fixed the problem and gave me my money, but on XX/XX/XXXX they ended up taking away {$2300.00} out of my account without notifying me. I called them the next day to figure out was going on and they reversed my money and claimed that I only deposited {$130.00} in single dollar bills. I spent the next two months talking back and forth with supervisors, branch, district, and executive managers. I tried my best coming to terms to resolve this issue but they supposedly did investigations and are certain that I deposited only {$130.00}. I've been banking with Chase for more then 6 years and I'm aware that there can only be a specific amount of bills that can be deposited into their atm 's. I would under no circumstances jeopardize myself and abuse these simple rules since I have bills to pay. They tell me they've reviewed footage of my deposit and found nothing. I trusted my bank to properly manage my funds and instead they steal my money and ruin my credit. This has been a very stressful time for me since I thought they could help me and own up to a mistake that happened on their behalf. All I received in return was an executive manager telling me on a phone call that took place on XX/XX/XXXX was what proof did I have that I deposited my money. They won't budge and clearly have no interest in returning me the money I earned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-21
Company: Experian Information Solutions Inc.
State: NJ
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:
experian took more then 30 days to complete an investigation on collections accounts, i have recieved and no cooperation nor any proof they are mine.

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