BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
State: VA
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:
Someone prudently opened an account with XXXX  XXXX in my name. 

XXXX XXXX says the account was opened in XX/XX/XXXX. I was a federal prisoner from XX/XX/XXXX until XX/XX/XXXX. 

I have send XXXX  XXXX a sworn and notarized affidavit concerning the issues but XXXX  XXXX still believes I lived in XXXX in XXXX of XXXX and had a phone in my name. Neither of which is true.

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 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 payment status reads charged off/collection. 
And the account type reads as its an open account. The account was actually paid in full of {$290.00} I believe the date was XX/XX/2018. But account status read derogatory. I have asked for the account to be remove because how it reads its hurting my profile.

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 2021-06-27
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:
Such as I viewed my credit report and noticed an account that i have never applied for nor had communication with

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To Whom it May Concern, I recently pulled my credit reports and noticed you are reporting the incorrect balance for this account, ACCOUNT NAME-XXXX XXXX  ACCOUNT # - XXXX BALANCE- {$3000.00} This account has not been properly verified, Please delete this account immediately.

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 2017-06-20
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Citimortgage holds this mortgage. My escrow payment this year is {$840.00}. The escrow balance is {$800.00}. The account is terminating at the end of this year and no major payments are due until after it has terminated. The current escrow balance is enough to pay the flood insurance, the only payment due during the remaining life of this mortgage. I want to get the escrow payments removed since there is no need for them and I do n't know how long it will take to get the escrow reimbursed. I talked to someone at Citimortgage and she told me that this should be no problem but later they refused, claiming some rule at XXXX XXXX. I do n't believe this - it must be a trick to keep the use of the money for a few months. I checked the XXXX XXXX website - they do n't normally require the an escrow more than five years. In any case, what possible rationale can there be for collecting escrow payments when nothing is due? I have attached the latest escrow calculation and a document showing that the mortgage ends in XXXX, 2017.

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 2022-08-30
Company: Experian Information Solutions Inc.
State: PA
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: Problem getting your free annual credit report

Complaint:
I have been unable to get my weekly free credit report as afforded to me by law. I've asked XXXX to fix this and nothing has been done about it. I am requesting that they fix this and allow me to access my free credit report online- NOT through the mail. I do not know what the problem is. I am including verification of my identity which I've provided to them multiple times. 

Thank you

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 2019-07-18
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: Problem with personal statement of dispute

Complaint:
Hello my name is XXXX please delete this account from my credit report and I have tried to dispute this account multiple times and have not yet removed it please help me REMOVE this account from my credit this account was OPEN in a FRAUDULENT way SOMEONE You are using my PERSONAL INFORMATION to open accounts please without my AUTHORIZATION please REMOVE this account and put a fraud ALERT many THANK YOU ... I have already tried to solve this problem directly with the credit bureaus but I have not removed these FRAUDULENT accounts ... THANKS for understanding

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
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:
Transunion, XXXX, XXXX XXXX XXXXXXXX XXXX refuses to verify nor validate their alleged account They do not have any contracts from original creditor with my signature and no contract with them with my signature they have NOTHING this last letter they sent through the CFPB dated XX/XX/2022 XXXX shows they want me to lie and say it was fraud I will not comply with their wishes { temporary fraud status } places NO .I have request through the CFPB 3 times on this alleged account and can not get any valid information enclosed is their letters, copy of bills no contracts no signatures. the way I see it they have no proof of anything. I have the right to request to them in writing what I want under the U.S.C. codes listed in my letter and complaints THEY REFUSE

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 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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:
My card was stolen around XX/XX/2022, the amount that was taken was XXXX I reported it got a new card sent out and never received a new card. I believe someone has my Identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Following up from my previous complaint, I would like a detailed payment history and credit score history on all of my loans beginning at origination. XXXX was opened XX/XX/XXXX, XXXX was opened XX/XX/XXXX, XXXX was opened XX/XX/XXXX and XXXX was opened XX/XX/XXXX. I would like to see how the 2 loans that were opened before the 2 that are currently in default ( 1 was forgiven ) because if I was unable to pay on 2, I was clearly unable to pay on all of them. I would also like to see where my credit score was above XXXX on loan XXXX as that was opened just 3 months after XXXX which was forgiven as part of the settlement. The balance on loans XXXX and XXXX are now almost 3 times what the disbursement amount was, and I am currently on the rate reduction plan where I am making payments but my balance is steadily going up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America has placed a hold of greater than 9 days on a check deposited from another Bank of America customer. The account has been opened for more than 12 years and was for {$25000.00} related to a real estate sale. This is a blatant attempt to deny interest accrual and other benefits to the bank. The length of the hold is excessive and unnecessary. In Addition there has been an additional 8 day hold on a check a {$2800.00} from a very large institution account as well.

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 2021-05-22
Company: EQUIFAX, INC.
State: MD
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: REGIONS FINANCIAL CORPORATION
State: TX
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 noticed 11 different charges of {$8.00}, XXXX, XXXX, XXXX etc ... I immediately called Regions Bank because I noticed fraudulent activity on my account. I was told that since these charges were pending, I had to wait until the charges were approved in order to file a dispute. I then cancelled my debit card and ordered another card because I was not familiar with the charges. I knew I had been scammed! I then called Regions Bank and filed a complaint. While filing the complaint, I was told that I would be contacted within 10 days on a decision concerning the claim. After several weeks on receiving no answer, I called Regions and I was informed that I would not be receiving a refund because they deemed the charges authorized from the account holder. I vehemently disagreed with them and tried to resolve this issue. Those particular funds were sent to a " XXXX XXXX '' of which I do not own. There are a total of 11 consecutive charges on my debit card which is in itself suspicious. I would like these funds returned to me because I did not give any authorization to anyone whatsoever to charge me over and over of XXXX dollars! I was obviously scammed and Regions Bank is failing to see this. Again, I made no such purchases, neither did I give anyone permission to charge my card over and over for {$8.00}. Why would I then contact Regions immediately when I saw suspicious activity.

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 2018-04-15
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I went to a XXXX store to start a new service to take advantage of a special offer as I already had mobil phone service with XXXX XXXX XXXX. 
The customer service representative signed me up for the special offer. I specifically asked him if I could cancel and get a refund of the initial $ XXXX dollars. He said yes as long as I did within 14 days. I explained to him that we live in a rural area of XXXX XXXX county and that even though your coverage map includes our area some cell phone services do not work there. Our XXXX XXXX XXXX service works very well at our address and I was only trying to take advantage of a really good deal XXXX was offering at the time. 
So I started the service and when I got home I found out that the service was almost useless because of the in and out fade with only one bar of service showing on the phone. A few days later I returned to XXXX to shut down the service and get a return of the deposit and stop the auto pay that was initiated on my credit card to pay for the reoccurring monthly charges. I explained to the service representative that the service does not work well enough at my home and wanted to cancel and get a refund. He cancelled the service and returned the deposit to my credit card account. Everything was fine except the reoccurring monthly charges started showing up on my credit card. 
I talked to the XXXX store about this problem and they told me to call XXXX service. 
I called XXXX  service and explained to the service rep what had happened and she told me it was taken care of. The charge reoccurred again the next month on my credit card so I disputed the charges to my credit card company and had them stop the reoccurring charges to XXXX. My credit card company refunded the charges and stopped the reoccurring charges. Good, so I have gotten my money back and everything is fine. 
Not really. XXXX referred my account to a collections company. I called the collections company and disputed the charges. OK. Not really. They referred the account to another collections company and that is where I am at right now. The second collection company for the same reoccurring charges that should have never been. I have no intention of paying these charges of {$210.00} and I will dispute them again but it seems to me there must be something wrong, even criminal about this. The current collection company is : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX/ XXXX  XXXX XXXX , WA . XXXX Dated XX/XX/XXXX Convergent acct. # XXXX Client acct # XXXX Hope there might be something you can do about this.

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 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am an international student without credit history, nor account, nor credit card in the US. I received a fraud text message ( on XXXX, XXXX  ) through which I gave them my address, name, date of birth and SSN. Then I contacted TransUnion, XXXX and XXXX through phone ( on XX/XX/XXXX, XXXX, XXXX, XXXX  ), I was told that I do not have credit account and in order to create one, I need to fax and mail ( on XX/XX/XXXX, XXXX, XXXX  ) them a copy of my ID and proof of current address and some requires a copy of my SSN card. Then they can create credit accounts for me and lock it to prevent potential harm from the theft. 
I mailed the documents as required. However, I received mails ( on XX/XX/2022 ) from XXXX and TransUnion stating that they can not locate credit report and therefore they can not create credit file for me and freeze it. With XXXX, I never received any response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-17
Company: Professional Claims Bureau, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
PCB IncXXXX collecting on a debt that provider already admitted did not owe. I have submitted {$150.00} to this collection agency and they will not respond to emails or phone calls to refund payment. 

Please advise. 

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 2022-01-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I looked over my consumer credit report with XXXX, XXXX, and XXXX. they all have this JPMCB CARD account on my consumer credit report however each bureau is reporting on my consumer credit report differently with each credit bureau I disputed the information with XXXX and XXXX they are reporting false illegal and inaccurate information I would like this account removed, delete, and blocked off my consumer credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Foris DAX, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
The incident first occurred on XX/XX/2021, I was manipulated, " scammed '' if you will into investing into the companies stated below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not know these were not real or regulated companies the scammer approached me online and pressured me to invest in them. I lost XXXX USD. The funds were transferred from crypto.com into the scam companies. Most of the money went to coinbase and then to coinbase wallet to other fake investments or fraudsters. Crypto.com customer care is not responding. Being a financial institute, they should have more tools and equipment to track the money movement and resolve my case positively. But they are blaming me as I agreed to the user agreement, I had to take care of the risks. But at the time of doing the transaction I do not know these are fraudulent transactions and crypto.com ought to know, if not then, now it should be capable of retrieving the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
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: Their investigation did not fix an error on your report

Complaint:
THIS COMPANY IS CONTINUOUSLY REPORTING UNVALIDATED, INACCURATE, FRAUDULENT INFORMATION. I have contacted this company numerous times in the past about XXXX XXXX reporting UNVALIDATED, INACCURATE, FRAUDULENT information on my credit reports. I AM A VICTIM OF IDENTITY THEFT!! I EXPLAINED THIS TO BOTH THE COMPANY AND XXXX XXXX NUMEROUS TIES!! This company comes back with the information as being verified and accurate, yet they choose NOT to send me ANY proof thereof even though I repeatedly ask for it. How can you claim something as validated and accurate when you have NO proof thereof. On the most recent credit report they sent to me, they claim the disputed debt from XXXX XXXX was verified as accurate. How can that be the case when I have received a letter ( see attached ) from the same supposed original creditor who refutes what this company and XXXX XXXX claim. THIS IS A BLATANT AND PURPOSEFUL VIOLATION OF MY RIGHTS!! I WANT EVERY ENTRY FROM XXXX XXXX COMPLETELY AND PERMANENTLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY!! Then I want written PROOF that this has been done!!!

Company response to consumer: Closed with explanation