BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-04
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:
Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX   ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX & XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX   ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XXXX Creditor Name : XXXXXXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : MEDICAL ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've disputed all these accounts with all three credit bureaus. 

Creditor Name : MEDICAL ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : MEDICAL ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : MEDICAL ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : MEDICAL ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX  DOCKET Number : XXXX DATE REPORTED : XX/XX/XXXX I've disputed these credit items several times with each bureau.

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 2019-05-31
Company: CITIBANK, N.A.
State: MA
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:
I have had a Citibank Citicard for 35 years. Member since 1984. 
The Bank recently closed my card due to inactivity. I received a letter a week after the closing letting me know. I called the Bank to have them reopen the card. Instead of reopening the card only a week closed they wanted to go through an entire application process to review if I still qualify for the card ( that I had for 35 years with a great credit history on the card ). As a 35 year customer I did not appreciate being treated like a new customer. I was willing to update my information but not have it used as a credit check for a card that was good 1 week ago but now needed to be reapproved. 
I chatted on line, spoke to customer service and a card manager and while they sympathized with me there was nothing they could do without the application questions. 


There was no notice ahead of time about the closing. They stated it was system automated. Although I have worked in banks for over 20 years and the card systems generate a report of cards about to be closed. In the banks I worked with we reviewed these reports to see if there were any good/long term customers that we wanted to notify ahead of time. 

I thought that this is a ridiculous practice to go through a whole new approval process ( after only a week ) when the card was good for 35 years. The Bank didn't care about my updated information as long as I was using the card and paying there interest and fees. 

I would like the card reopened without all the hassle. Just reopen it. It was good a week ago.

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 2020-07-17
Company: EQUIFAX, INC.
State: WY
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:
This is in reference to an investigation into " Billing Error '' for debt claimed by XXXX XXXX XXXX. 

However, the attached email from Equifax does not contain the actual results of the investigation. In fact, despite multiple attempts to obtain/contest the results on " myEquifax website '', I am yet to gain access, receive the copy of the investigation by Equifax. 

Please be mindful that this is an ongoing contest by us for Federal violation under FCRA and Equifax can be prosecuted for the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX is reporting incorrectly to XXXX ; Experian and XXXX a collection in the amount of {$11.00} - account number : XXXX. ( Please see page 9 of the  attached credit report. ) This account is paid-in-full. There is no outstanding balance due. This incorrect reporting is a violation of the Fair Credit Reporting Act ( F.C.R.A. ) and consequently harming my credit score.

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 2017-12-20
Company: JPMORGAN CHASE & CO.
State: NY
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 had ordered items from a dog pet boutique however I never received any of the merchandise, XXXX had confirmed it was delivered to the wrong address and had issued the merchant a credit for the lost items, however after pleading with the merchant to refund me I was denied .So I immediately contacted my credit card to dispute the charges and was given a temporary credit on my account however the merchant challenged the dispute and sent documentation to my bank the the items were delivered when they were delivered to the wrong address and my bank is refusing to refund me even though I printed out the confirmation from XXXX which shows they issued the merchant a claim for the lost package and refuses to work with me in getting my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I check my credit report and notice some things that don't belong to me. These accounts are stopping me from buying my dream home. 
The account listed below is not mine. Sent in multiple letters and haven't received any response. I don't understand why. Please help me ... 

List of the accounts ; -XXXX/XXXX XXXX XXXX & XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-01
Company: BANKMOBILE TECHNOLOGIES, INC
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am unable to open a XXXX XXXX checking account via https : XXXX. The checking account is open to all people, even if they are not a XXXXXXXX  customer. I get a generic decline notice on the site and email ( attached ). I applied on XX/XX/2021, on decline, I called the number listed XXXX and spoke to a representative who said they were unable to assist, but to contact XXXX XXXX  for support even though I am not a XXXX customer. After contacting XXXX XXXX, they told me to call XXXX to get support. On XX/XX/2021, I called that number and was told they were unable to help. After requesting to speak to a supervisor I was transferred. The supervisor told me that there was no way for me to open an account and that further escalations with XXXX XXXX wouldn't be possible since I don't have an account number. They have not told me why my account was declined and have not provided notice of a decline due to an adverse action on a checking account 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 2019-10-24
Company: Capstone Credit & Collection, LLC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019, I contacted Capstone Credit Collections in regards to a debt that showed up on my credit report when I tried applying for an apartment. It showed that I owed a debt to two apartment complexes. I have never been evicted nor have I ever owed a balance to any apartment complex. The complex I applied to gave me the number to XXXX XXXX. I called XXXX XXXX and explained my situation. They gave me the name and number of the companies that was reporting two collections in question that was showing on my credit report. When I contacted Capstone on XXXX-19, I spoke with XXXX/XXXX whom I explained that I had applied for an apartment and this showed up on my credit report and I explained that this was not my debt, I never lived at said apartment complex and I would like for it to be corrected. She asked me how was I going to prove that I did not owe the debt. I advised that I could provide a copy of the lease of where I actually lived at that time. She rudely advised me that, that was not proof of anything. So I asked well what proof would you need. She advised me to email a copy of my driver 's license to XXXX so they could compare signatures. Which I did immediately. As I was asking her if there was anything else she needed, she became accusatory and told me if she didn't receive anything, they were going to hold me responsible for the debt. Since it was only one day before the weekend, I waited until Monday, XX/XX/XXXX to call and see how the investigation was going, I did not get an answer so I left a message. When my call was not returned the next day, I called again and left another message and sent an email inquiring about my dispute. I repeated this several times throughout the week and I have to receive any correspondence or have any of my calls returned about this debt that I do not owe. When I spoke to XXXX/XXXX I advised her that I am in a time crunch and have to move by XX/XX/XXXX.. I have been assigned to XXXX by my job and I must find somewhere to stay and I would need a letter from Capstone stating that this is not my debt. This company has refused to return my calls or emails after I provided them with the proof they told me they needed in order to furnish me with the letter that I need to be able to lease my new apartment. I understand that this business may receive these type of calls on a regular and people are trying to get over to get something off of their credit. I actually do not owe this debt and am willing to provide whatever proof this company needs so I can get what I need to move into my apartment in about a week. This company is highly unprofessional and if I need to file a lawsuit for violation of FDCPA, I will.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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 called the XXXX XXXX Executive Offices ( Department of Credit Card Case Management to XXXX, my case is # XXXX ) and informed that there is wrong information on my credit report ( the balance on my credit card has been informed wrong to the 3 credit bureaus ). I asked that they fixed this and was informed that they will take whatever time they estimate to resolve my issue and that I have to wait on XXXX ( Rep from Exec Office ) to resolve all other customer cases. 

Today, XX/XX/2019 I called to Transunion and asked about information on XXXX XXXX credit card. They informed that my balance as of XX/XX/XXXX ( date of report to bureaus ) is {$72.00}. I have evidence ( credit card statement for XX/XX/2019 ) that my balance is {$5.00}. I consider XXXX XXXX is violating my right under FCRA because they are not reporting the right information to the 3 main credit bureaus.

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 2019-10-24
Company: EQUIFAX, INC.
State: GA
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:
Equifax and XXXX are reporting incorrectly that I am ( 30 plus ) days late on the XXXX XXXX   partial account number XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be past due on an account with a {$0.00} balance. This incorrect reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have been dealing with Capital One since XX/XX/XXXX when my account was hacked for XXXX. A new card was sent out to XXXX, New York after I informed Capital One that they should make no changes without notifying me. This happened 5 more times and I finally closed the account with a balance. I never had issues before with fraud and asked if it was an inside job. Later to find out on the news that an employee hacked several accounts. Capital One took over Walmart and now that card has been hacked and after talking on the phone with Capital Ones Fraud Department for over an hour last night XX/XX/XXXX this morning I get an alert that my new card will be sent to XXXX, New York. I have alerts on my credit reports and only experiencing this with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
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 recently sent a letter to the Portfolio Recovery associates llc and in That letter also clearly stated my request for them not to contact me by phone, at home or work or anywhere else. This letter was sent via certified mail with return receipt, which I have proof of. Since you have continued to call me after receiving that letter, you are now in violation of the FDCPA which I assume you know very well. 
And they continue to harrass me with phone calls and collections notices of debt that do not belong to me and if they continue to pursue reporting on my credit report than i would like to take legal action as soon as possible.thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 filed bankruptcy in XX/XX/XXXX, the case was refiled to include all creditors old and new, my bankruptcy was discharged XX/XX/XXXX that included Capital One Bank. I contacted Capital One Bank who stated they are not reporting anything negative and according to their records my balance is XXXX. A collection company stated they brought the account from Capital One and now reporting that I owe them XXXX on my report for an account that was opened XX/XX/XXXX. I don't have an account with XXXX XXXX or any contracts with them to report I owe them XXXX. I don't have an account that was open with XXXX or Capital One Bank XX/XX/XXXX. Capital One shows only on XXXX with a XXXX   closed account balance. 
account was open over 5 years ago. The information of having a Capital One account XX/XX/XXXX is false information being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
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 is missing that should be on the report

Complaint:
There is an account showing on my credit profile from XXXX XXXX XXXX that violates my rights and has continuously caused me financial harm over the last 18 months. Attached with my complaint you will find a copy of the XX/XX/XXXX letter sent to XXXX XXXX XXXX requesting specific information regarding this account. 

I informed XXXX XXXX XXXXs that under the laws of South Carolina and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. - EFFECT OF ERRORS OR OMISSIONS. 

9-611. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 

9-613. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL It has been past 30 days and XXXX XXXX XXXX has failed to provide the requested information. On XX/XX/XXXX I directly disputed this account with XXXX XXXX and Transunion. Attached is a copy of the letter sent to each of the credit bureaus asking them to reinvestigate this matter on my behalf and to send me a copy of all documentation received from XXXX XXXX XXXX They have failed to provide me with the documentation. 

I am now asking the CFPB to intervene on my behalf and demand the credit bureaus deliver said documents or remove the erroneous information from my credit 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 explanation
Consumer complaint received 2019-09-17
Company: Lotane & Associates, P.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ACCT XXXX CASE XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

This collection/attorney 's office put a judgement against my name for my ex husband 's credit card that I never signed for. I called XXXX XXXX XXXX and verified that this is my husband 's credit card and it was never under me. This attorney 's office illegally attached this debt to my name. XXXX XXXX XXXX XXXX only opens cards under the card member 's name who works at the XXXX research lab. I never agreed to this credit card. The judgement needs to be removed from my name. 

The credit card in question is visa ending in # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: EQUIFAX, INC.
State: NY
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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULT. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation