BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-17
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: Personal information incorrect

Complaint:
I have disputed the following address XXXX XXXX XXXX, Texas XXXX with Experian for I have NEVER resided there. My driver 's license has never had this address. Experian keeps allowing several creditors to report this inaccurate data on my report. I 'm not sure how they have linked this address with my name. You can contact the Texas Department of Public Safety to confirm this 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 2018-01-17
Company: Early Warning Services, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The information XXXX XXXX XXXX is reporting is inaccurate. They falsely reporting fraud to Early Warning Services and fraud or negligence never occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
XXXX  notified me via email that my dispute was open, however, I was not immediately able to access the dispute and further there is consideration that all three credit report ( s ) are being dispute with knowledge that I have not been able to fully view Equifax Credit Report and the sites only allow limited space to refute information and/or allow a blanket statement. Therefore, I am attaching my full statement as it pertains to the dispute on my credit report ( s ), et al. in addition to my past credit reports that have already been submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: CITIBANK, N.A.
State: NY
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:
Citibank N.A. charged my credit card for services and fees that have been deemed at the time of charge as illegal and unfair practices to bill consumers these types of Fees. They have also overcharged interest fees as well. This illegal activities has been already decided in XXXX. My initial inquiry to Citibank was at XXXX, and my credit card had been open in XXXX. The years of Citibank 's deception and illegal practices in charging consumers illegally was from consumer credit card, etc., from XXXX - XXXX. There are other acct numbers which were from the same account and the last digits are as follows and were prior card numbers back to XXXX : x-XXXX ; xXXXX ; xXXXX ; x-XXXX, etc. A few cards were supplied with different numbers over the years and changed due to security reasons ... The whole account is subject to a review. I have asked many times and filed complaints many times over the years. This company dragged their feet on the initial claim, and then did not respond to future inquiries. I have much more information that I can send you with all the billings, and I have much of the information. I am missing a few years 9of info in earlier years, but I have been trying to get additional info from Citibank NA and they are now non responsive, and they and theirlegal representative have currently severly botched the inquiry, and/or lied. I had another complaint ( XXXX ) which the information provided from Citibank was totally wrong/or they just lied to stonewall the process. Therefore I am starting another complaint which will also show how Citibank and their legal outsourced team is stonewalling this process, and distorting the facts as we see. I will be faxing more information in to your fax number XXXX which I got from XXXX XXXX of your office. I want this to move further, and I want you to look at fining or what ever process you are to do to charge Citibank for their bad internal procedures as outlined in your reports attahced in the last.

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: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I bought a Netspend Pre-Paid VISA card purchase price for the card was XXXX + Tax I put the amount of money on the card. There was no choice at this time that there were different plans to choose from that gave them the ability to take fees out of the money put on the card. The card they give you is temporary and for ten to fourteen days you have no idea that they can charge fees and what those fees are for. I bought my card thinking that the amount I paid to put the money on the card was the only fee that I would be charged so like an XXXX I never bothered to check but after the third purchase I made with the card I was wondering if something was wrong and I find out Im being charged XXXX for a monthly fee that I was never made aware of and it is do to the way Netspend does business. They purposely use a temporary card and give no information about how the card can take your money and by the time you receive your permanent card you have already started using it and a person tends not to have these questions at that time because when they used the card they had already committed to whatever the rules of the card was only to find out later that they have been hit with fees they never got the chance to deny it they felt they were unacceptable. By then the Netspend Company already got your money when you times this by thousands and tens of thousands Netspend making Great Amount of Money by ripping their customers off. So this is my complaint I dont think Netspend VISA should be aloud to continue ripping people off and I was wondering if you could stop them for us. 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 2019-02-12
Company: EQUIFAX, INC.
State: NC
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 understand that the credit bureaus are supposed to complete investigations within 30 days of their request. I requested investigations into accounts reporting inaccurate information on XX/XX/XXXX, but the bureaus have not responded yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: Convergent Resources, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
for weeks sev.x a day.Wo n't lv.msg or identify. I picked up once & said if they wont dentify, send a letter.

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 2017-10-09
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: Credit inquiries on your report that you don't recognize

Complaint:
I recently pulled my credit report to search for inaccuracies. After searching and finding inaccurate information, I contacted Transunion and spoke to a XXXX REP about my concerns. He stated that the inquiries were deleted and that I will receive an email with my results. I also received a confirmation number. I checked my credit report days later to see those inquiries added back to my credit report which is a violation, because I was n't notified prior to them being added back on. I contacted Transunion and asked that they removed the inquiries that were illegally added back on. These inquiries are adding a hardship to my credit report and my rights were violated. I ask that you make Transunion stop victimizing me.

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: 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: Their investigation did not fix an error on your report

Complaint:
The Experian company deleted from my credit report an account that lacks specific information and is even incomplete and after 15 days put it back without sending prior notification, this is a serious violation of the FCRA since they should have notified no more than 5 days of doing this in writing before proceeding to report the account again. in my credit report. 

Another point is that they automatically opened without my authorization a dispute of the reinsertion without my authorization making it happen as if I had done 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 2022-01-10
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 status incorrect

Complaint:
I got my credit report and dispute letter result on XX/XX/XXXX, the account that Ive disputed ( 5 XXXX accounts ) its still showing in my report. It did show accounts are ''accurate and verified '. I contacted XXXX XXXX 2 months ago- No response. 2 months later, TRANSUNION is still telling me these accounts are verified. How did that happen? XXXX XXXX couldn't give me any proof. 

I already filed and submitted a dispute and was told I need to wait because it is still pending/under review. I called on XX/XX/XXXX, XXXX XXXX. On the phone your colleague told me if you dont hear anything from XXXX XXXX on/or before XX/XX/XXXX. These accounts should be deleted. I reported and submitted a claim through CFPB. On the phone, you told me youd delete these accounts if you dont hear anything from XXXX. How come its still showing in my report? 

I have it all recorded as well. I sent you a copy of my 4 disputed letters. Along with my new dispute letter.

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 2018-01-17
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX solicited me for entry into a payment plan to pay down the debt on my XXXX credit card. They unilaterally set a monthly payment date of the XXXX of the month. When I called them to make the first payment on XXXX XXXX, I explained to them that I would make the first payment that day but that I could not do so going forward. I explained that I would have to have my due date come in the latter half of the month. XXXX XXXX  representative that day said that that was no problem and that I could make a payment that day, then call back after my payment was finalized in order to change my due date. I called back later that month and the representative then claimed that I could NOT change my due date and that I would have to pay on the XXXX, despite the first representative 's promise. I escalated this issue to a supervisor, who said he would listen to the XXXX XXXX call and help me if the original XXXX XXXX representative did say they would change my due date. This supervisor never called me back and/or never left a message. XXXX has now refused to listen to the XXXX XXXX call and live up to the representative 's promise to provide a changed due date. I have made my XXXX payment now mid-month because paying on the XXXX was simply not possible. But now XXXX has threatened to cancel the payment plan entirely because the XXXX payment will have been late and the XXXX payment will be as well. This is fraud on XXXX XXXX part, because I explained before I made the XXXX XXXX payment that I could not have the due date be the XXXX of every month. That is impossible due to my rent, which takes up most of one of my two paychecks every month. XXXX has now marked my credit report as 30 days past due EVEN THOUGH I made the XXXX payment timely and was not 30 days past due on the XXXX payment plan payment. XXXX is not honoring its own internal payment plans or the representations of its agents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
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 recently refinance my car though my credit union ( XXXX XXXX XXXX XXXX ).  My previous creditor was XXXX XXXX. XXXX XXXX gave me a payoff amount of {$24000.00}. XXXX XXXX XXXX XXXX cut me a check dated XX/XX/2018. The check was mailed to XXXX the same day. It took XXXX weeks to locate my payment stating since they hadnt received my payment within the 10 pay off balance, I owe an addition {$85.00} ( interest fees ). I complained about that because my check clearly states the check date and the check date is well within the 10 payoff. My car has been paid off in Total with XXXX XXXX since XX/XX/2018 and they have not updated my payment status since XX/XX/2018. Since XXXX has not updated my credit since XX/XX/2018 it appears as if I have 2 car loan with 2 different companies. This is affecting my credit severely by increasing my debt and lowering my credit score. I have since contacted XXXX a few times asking why my credit has not been updated. They stated they have been having issues with their system and my credit will be updated by the end of XX/XX/2018. It is now XX/XX/2018 and my credit has still not been updated. Now, if I was late on my car note payments they would have no issue with reporting this to all 3 of the credit bureaus. Im attaching my proof of payment and I want my credit update 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 non-monetary relief
Consumer complaint received 2019-07-18
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I do not recognize the accounts on 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 non-monetary relief
Consumer complaint received 2022-01-10
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2022, I consumer XXXX XXXX noticed NATIONWIDE RECOVERY SERVICES, a third party debt collector was infringing upon my intellectual property rights. XXXX illegally reported information on my consumer report. This is a direct violation of 15 USC 1681, I, the consumer never entered into a contract with XXXX, nor did I give them my written or express permission to furnish information on my consumer report. On XX/XX/2022, I sent XXXX a cease and desist letter, via certified mail, demanding they stop their wrongdoing and for them to send me an audit trail of this account. XXXX failed to respond to my demand of a debt validation letter pursuant to 15 USC 1692g. They stated I needed to send a written correspondence, and that's not what's written in 15 USC 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Self Financial Inc.
State: CA
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 RECEIVED A LOAN BILL FROM XXXX, EVEN THOUGH IVE NEVER HAD A XXXX XXXX XXXX XXXX, I CALLED AND THE BANK SAID I NEEDED TO FILL OUT AN IDENTIFY THEFT REPORT. JUST A FEW DAYS LATER, I GOT A CALL FROM XXXX ABOUT BUYING A NEW XXXX. I TOLD THEM I DIDN'T BUY AN XXXX. 
SOMEONE ELSE HAD GONE TO A STORE IN NEW JERSEY AND ADED TWO NEW LINES TO MY ACCOUNT. THIS SELF ACCOUNT I DID NOT AUTHORIZE!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
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: Account status incorrect

Complaint:
My account was reported as 30 days late in XXXX 2016.  XXXX XXXX XXXX XXXX showed a {$0.00} payment due at the time. They also had the wrong address on file and never sent a bill to the correct address. I have disputed this matter over 3 times with no correction to my credit report. I have even called several times to get the issue corrected and there has been no update to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: EQUIFAX, INC.
State: DE
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 've tried to dispute online and over the phone and still no help in getting this issue resolved. There are 2 XXXX accounts and XXXX XXXX XXXX XXXX. There reporting as installment accounts and past due. Collection agencies ca n't report The type of account are listed as installment. Please remove this incorrect information. Are not a creditor and I have never entered an installment account or agreement with the company. 
The account status is shown as Past Due. Please delete this incorrect information. not a creditor, you can not report an account as past due or current. The XXXX XXXX XXXX XXXX has most recently reported is {$3500.00} and listed this account as 120 days past due. Please remove this incorrect information. There is no payment history to report as XXXX XXXX XXXX XXXX is not a creditor.Terms are listed as 1 month. Please remove this incorrect information. I have no terms or installment agreement with them they are not a creditor. The Payment status is listed incorrectly as past due date as of XXXX2017. Please remove this incorrect information. I have no terms or installment agreement with them not a creditor. Enclosed will be a sample of how Equifax says accounts should be listed and mine is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: Gatestone & Co. International 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 received a letter today and noticed that it read a collection account was established under my identity. I have never inquiried or purchase any items from XXXX XXXX XXXX ever. So I am puzzled to why a letter would come in a mail in a form of debt collection on a wireless account. Your company has violated my rights and my credit profile. I wont allow anyone to mishandle my credit profile nor my identity. If I find that my identity was used without my consent which it seems in this case that is what exactly happened. I will contact my lawyer and look to take legal actions against your company. I am determined that I have proof that this is not a debt that is mine. I am unaware of the debt. I will be heading to my County Courthouse first thing tomorrow morning to file a lawsuit. I will not settle nor accept any debt to be placed on to me or my credit profile. I demand that this is investigated and removed immediately upon receiving this message. During the investigation I would like to know the process of verification step by step, I want to know everyone and anyone who will be working on my credit file. I will be keeping a copy of all documents, certified letters, recordings, upon the time of proceeding to the courtroom to settle this error that was placed onto my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10
Company: JPMORGAN CHASE & CO.
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2021 I initiated a wire transfer online from the XXXX to a beneficiary in XXXX. XXXX weeks later the amount has still not been received and Chase has provided no indication on how it will be resolved. I have reached out to Chase via multiple avenues, that is calling XXXX different departments by phone, online portal secure message system, and appearing in person at my local branch, and no party will take ownership over investigating the missing transfer. I have merely requested a SWIFT confirmation receipt to provide the beneficiary bank with tracking information or just the Unique End-to-End Transaction Reference ( XXXX ), which is standard information that all member banks performing international wire transfers through the SWIFT system should possess, but departments reachable by phone have pointed me only to an online portal, the online message portal directed me to the local bank branch, and the local bank branch refused and/or was unable to process this simple data request because I did not initiate the wire transfer at that bank. Further, the Chase Wire Transfer Department does not maintain a department reachable by phone ; therefore I must wait 1-2 business days to receive a response to my ongoing case. It is unacceptable that through over a week of my consistent attempts to gain more information, Chase has provided no answers or transparency, and made no attempts despite my daily requests to make resolution of this issue.

Company response to consumer: Closed with explanation