BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-05
Company: CITIBANK, N.A.
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:
I responded to a free offer from BestBuy for a free consultation to get better wifi in my home. They charged me {$99.00} from my credit card for the appointment to make sure i would be there. The day of the appointment I received a call and a gentleman that wanted to know exactly what kind of wifi hookup I wanted. I told him I didn't want a hookup I wanted a better signal. He shows up ; we had a brief consultation, He exited and told me that I should not be charged for the visit but if it goes through he could get the {$99.00} removed if I purchased the one year contract for installation of an echo systerm. Once back at the store he informs me that they do not have it in stock. There are two websites up at present time that BestBuy is running promos on that are false and misleading. The one I responded to is for a free consultation the other is 1C. Neither is free if they don't take the deposite down and you get hooked into paying what was offered for free. Its on the same principal as TXXXX  Find anyone for free until you get a bill for a subscription service. Totally bogus and this store should be prosecuted.

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: Experian Information Solutions Inc.
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:
XXXX XXXX XXXX are in Retaliation and Discrimination against me as a XXXX US Military Veteran. 
I have filed many complaints with Federal Government and Company are in Retaliation because of file complaints. 
XXXX has violated my XXXX XXXX Act under Department of Justice.and both Federal and State Laws. 
On a phone conversation of XXXX with XXXX Account Vice President XXXX XXXX she promise to remove all derogatory remarks on my credit report with Experian , XXXX and XXXX and support as a US Military Veteran. 
Now she denies on promises and only spoke with XXXX on the phone and not with Mr.XXXX, XXXX Compliance Manager. 
Mr.XXXX just want to protect Ms.XXXX  and the special interest of the company from any Federal Violations Law Sanctions. 

XXXX credit Reporting Agency stated they receive the verification of Derogatory remarks removals of 30-60-90 days of XXXX from XXXX credit department by electronic message or verbally.. 
XXXX XXXX XXXX receive also the derogatory removals from XXXX. on XXXX XXXX. 
It appears that XXXX has business partnerships with XXXX, Experian?

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: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
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:
XXXX, XXXX XXXX XXXX # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX* XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX   XXXX/XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX  # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX XXXX {$1100.00} XXXXXXXX XXXX XXXX XXXXXXXX {$4000.00}

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 2020-05-16
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:
These are not my accounts or my name on file. Please remove them.

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 2018-02-23
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
On XX/XX/ I wrote a letter to XXXX XXXX explaining that my payments are late because of a loss in the family and I had to help with funeral cost. I ask the company if they could stop interest and not let my account go into collection. I received a response back that had nothing to do with my issue as stated in my letter. Today XX/XX/ I spoke to a representative who did not give his name but was not understanding the issue that I was stating. I told him that I was only able to make a payment of {$100.00} starting in XXXX because of my financial hardship I'm going through with helping my family with the loss of my loved one funeral cost. He stated that I have to make the mim payment of {$900.00} and I told him I do not have the money because of my financial hardship. He said then my account would be closed. Which I don't think is fair because they are not trying to help or be understanding of my situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-20
Company: FACTUAL DATA CORP.
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:
I'm looking at my credit report through XXXX XXXX, and I see that Factual Data pulled two  hard inquires 9 days apart from one another. The first one I did authorize, but the second one I did not. Why would the same company need to pull my credit history twice anyways? It does not make sense. I believe that was an error. Please help me resolve it. Thanks you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2019, Chase froze my account when I tried to make a phone call to make sure my card doesn't get declined, because it always get declined. So when I ask the reasoning to why they closed my account, Chase couldn't give me a valid answer to why I couldn't use my card. Also, this isn't my first compliant on Chase to why they keep closing my account. Chase is targeting me because I am young. I am feeling very discriminated against that because I am young successful working guy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-21
Company: Trident Asset Management, L.L.C.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
a fraudulent check was issued to XXXX XXXX XXXX in the amount of {$260.00} Account # XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Current owner XXXX XXXX XXXX XXXX XXXX Trident Asset Management, LLC Acct # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
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: Information belongs to someone else

Complaint:
I previously filed a complaint on the fact that i did not recognize accounts and inquiries on my credit report. I have asked that the company investigate and furnish me with how they investigated and through whom, i still have not recieved a 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 explanation
Consumer complaint received 2019-01-03
Company: EQUIFAX, INC.
State: MA
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:
I was born XX/XX/XXXX, my credit report states I was born in XX/XX/XXXX, its actually on XXXX and Equifax, I have my ex husband 's ex girlfriend who refuses to return our divorce papers and tax returns and I have bad credit because lack of credit. Someone keeps running my credit report and the date of my birth has never been inaccurate till this past year. I need to have it changed to correct year, it is causing to not accurately confirm my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX ( XXXX ), opened cell phone acct with XXXX in XX/XX/2013. 
I had little to no service with their cell phone for two months, I believe. I called several times and complained of bad service, finally talked to a supervisor that agreed to cancel contract. After cancelling I recieved another bill and refused to pay it and then they added on late charges.

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 2020-06-26
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: Old information reappears or never goes away

Complaint:
I checked my credit file through experian.com. 

There are three late notices on my account that are incorrect. 
One for sure should not be there due to a discharged bankruptcy back in XXXX. 

The other two late notices should also be removed due to XXXX policy. 
Late notices will not be reported if you we're late within the first three years of your account being opened. 

In the first three years they have been contacted I have received extensions and I've exhausted all of the things required. 

I also paid the bills that were due ... 
At this very moment I shouldn't have any late notices ... 

Under XXXX XXXX XXXX which is where I have my vehicle loan. 
The comments area, says STUDENT deferred loan. 

This should be REMOVED due to it being a vehicle loan. 
ALSO I NEVER HAD A STUDENT LOAN. 

I am currently on hold with Experian. I requested the DISPUTE DEPARTMENT. 

The lady who answered my call FAILED to give me her name. So that she could be easily tracked, I will not disconnect and call back! 

She will be the very last person in my account as of XX/XX/XXXX. 


My call begin at XXXX XXXX Pacific Standard Time due to her not being able to assist me, I asked for a supervisor. 

She became angry and placed me on hold. I have been placed on hold since XXXX XXXX   Pacific Standard Time. 

This unprofessionalism is the reason for my complaints today. 

Unprofessionalism from an Experian agent ONCE AGAIN! When all I'm trying to do is protect my credit and personal information. 

There is a bankruptcy on file so there shouldn't be any issues with disputing things that should have been removed when it was discharged. 
Simple corrections or deletions due to errors should also be easily removed. I shouldn't get any grief by these so-called agents. 

There has been no update and I am still on hold with Experian ...

Dispute DEPARTMENT I am sending this complaint right now at XXXX XXXX because that is when someone disconnected my phone call.

So I've held on the phone alone with no update from XXXX XXXX  Pacific Standard Time to XXXX XXXX until they disconnected my call. 

I don't need any apologies, I'm not accepting any excuses, there was no misunderstanding just an unprofessional dispute agent who couldn't do her job!!! 

I asked for a supervisor and never got one!

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 2019-01-03
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I took out a used car loan with Santadar for a XXXX XXXX XXXX. The truck has a payoff balance of {$29000.00}. I recently lost my job and missed XXXX payment. The monthly payment for my truck is {$660.00} but the past due balance was close to {$1500.00}. I confirmed with a customer service agent with the company that I was only XXXX payment behind. Santander seems to calculate their current balance by any missed payment, the current payment due and the next upcoming payment grossly misrepresenting the amount owed. I asked my I was getting collections notices as I was not behind 90 days. The representative had no answer. I missed my second payment in XX/XX/XXXX. I did not receive any notices in the mail about the company repossessing my vehicle. In the late evening hours on XX/XX/XXXX, I walked outside and my truck had been resposessed. There was no contact information left by the tow company and the offices of Santander were closed. I received no notice that my vehicle would be repossessed since my missed payment in XXXX and the date of resposession. I have missed XXXX payments with Santander and my upcoming due payment would have fallen on XX/XX/XXXX. I have not missed XXXX payments nor am I 90 days late yet the balance due as stated on my Santander account is {$2800.00}. When I called into after my first missed payment I was not given any information on lowering the payments due to hardship or why I was receiving call after call and a huge unwarranted outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
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 Sent certified letters to the credit bureau over a the course of time for the last 3 months and haven't received any responses

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 2020-06-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Account status incorrect

Complaint:
See attatched XXXX  Credit Report USAA ( Account XXXX ) Date Closed XX/XX/XXXX Sold/Transfered Deliquent ** IS STILL OPEN See attatched USAA Mastercard Statement Account ( XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$100.00}?????? What is going on? AND WHICH ACCOUNT OPENED THE VISA XXXX AUTOMATICALLY WITHOUT MY AUTHORIZATION?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2019-01-03
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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2019-01-03
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:
There are many mistakes appear in my report without my understanding.

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 2020-12-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The following attachments are to select portfolio servicing in the unresolved complaints closed by the cfpb. 
This is the first of 2 submissions to prevent timing out of the system

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
REMOVE LISTED ACCOUNTS FROM MY CREDIT REPORT, THESE ACCOUNTS HAVE BEEN REPORTED IN ERROR ON MY CREDIT FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Around XX/XX/XXXX, I linked for wire transfer purchases my XXXX Account to my JP Morgan Chase account. 

On XX/XX/XXXX, I successfully verified via trial deposits my XXXX Account to my P Morgan Chase account, so I can wire money from JP Morgan to JP Morgan from XXXX. 

On XX/XX/XXXX, I scheduled a transfer from my XXXX Account ( Account No. XXXX XXXX to my XXXX XXXX Chase Banking Account ( either Account No. XXXX or Account No. XXXX ), and instead of the funds going through, Chase Bank froze my online login because of " suspicious activities, '' and I do not know if the transfer from the XXXX Account to the Chase Banking has been made.

Company response to consumer: Closed with explanation