BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-08
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: Account information incorrect

Complaint:
XXXX XXXX XXXX purchased a potential delinquent account from XXXX XXXX belonging to XXXX XXXX of XXXX XXXX, West Virginia. XXXX XXXX has not lived at the address where this charge would have occurred in over 8 years. There literally is no way possible this " apparent debt '' is less than 8 years old.

It appears the delinquent date that is showing on his credit report is the date the company purchased the account, not the actual date of the delinquency. There is no legal way this information should still be on his credit report, yet this company is showing the account has only been delinquent since 2016, so it will take that much longer to fall off the credit report. This is FRAUD and I'm filing fraud reports with every known agency that handles these matters.

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 2020-11-18
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: Problem with fees

Complaint:
On XX/XX/XXXX Capital One received an entire outstanding balance payment of {$63.00} from me and should have been a XXXX  balance. They claim the bill was due XXXX. A bill for annual membership {$25.00} which was not designated on the bill plus a {$.00} interest arrived XX/XX/XXXX. I inquired via telephone about the {$25.00} fee and was told it was annual membership fee. I told the call center rep. I did not want to pay a member fee and she stated no supervisor was on duty to resolve the problem. On XX/XX/XXXX I closed the account because I believed the Capital One organization was commuting financial fraud against senior citizens in their billing practices and lack of forthright listings on the billing paper form. Calling back to Capital One on XX/XX/XXXX after receiving the XXXX billing statement which was now {$51.00} with an unlisted late fee of {$25.00}. The minimum suggested payment due is {$51.00} leaving {$.00} balance to start all over a chance for the next minimum interest of {$.00} and possible late fees. Two employees were unable to fairly resolve this dispute. I closed the account and believe I only owe the {$.00} interest and no fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Experian Information Solutions Inc.
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 have filed a dispute with Experian, XXXX, and XXXX, regarding the multitude of inquires listed on my credit report. However the only response i get from them is to contact the company who placed them onto my reports. In the FCRA it states that i am entitled to a fair and accurate credit report. These reports are not accurate. The burden of verification is on Experian, XXXX, and XXXX  since they are the ones who are responsible for ensuring things are correct on my report. They are bound by law to make sure everything is correct. Not to tell me to call the individual creditors my self. I demand that Experian, XXXX, and XXXX  go back into my past disputes, and Remove the unauthorized inquiries from my credit report ASAP.

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 2021-11-27
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:
According to the Fair Credit Reporting Act, XXXX XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the XXXX, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

To Delete any and all accounts that do not have Verifiable physical proof including the ones below : XXXX XXXX XXXX Account Number - XXXX Amount - {$2100.00} XXXX XXXX XXXX Account Number - # # # # # # # XXXX Amount - {$920.00} XXXX XXXX XXXX Account Number - # # # # # # # XXXX Amount - {$1000.00} XXXX XXXX XXXX Account Number - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amount - {$180.00}

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Chase failed to properly process escrow paperwork during the refinance of the loan of in XX/XX/. XXXX years passed before they noticed their mistake and then added $ 42k to the payoff balance. I have spoken with XXXX XXXX at Chase who has acknowledged the bank mistake, but was not able to resolve issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: VALLEY NATIONAL BANCORP
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:
On XXXX XXXX, 2019, VALLY NTL BK/XX/XX/XXXXadd a hard inquiry on my credit report per XX/XX/XXXX 
On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX 
On XXXX XXXX, 2019, XXXX XXXX add a hard inquiries on my credit reporte per XX/XX/XXXXXX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$12000.00} -This is not my account.

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 2022-01-06
Company: Experian Information Solutions Inc.
State: MO
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 Account Opening date is inconsistent across the credit bureaus. 
Account Type is inconsistent across the credit bureaus.

Account Status is different across the credit Bureaus It reports as open and closed at the same time. 
Date of last payment is inconsistent across the bureaus. 
Date the account was last active is different across all credit bureaus. 
Account Balance is different across all bureaus. 
The high credit limit is different across all the credit bureaus. 
Account is erroneously reporting 30 date late payment on XX/XX/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 2020-05-17
Company: Atlanticus Services Corporation
State: NJ
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:
I've contacted Fortiva twice by mail ( letters dated XX/XX/XXXX and XX/XX/XXXX informing them that I am having difficulty making payments as I have been furloughed from my employment due to the covid-19 crisis. I've told them I do not know when I will be called back to work and I am running low on my savings. I've offered to make a one-time payment of {$150.00} from my covid-19 stimulus payment if the balance can be considered paid in full. The account is closed and the balance due is {$220.00}. 

They wrote me back and said they would defer the XX/XX/XXXX payment however it was taken out of my account. I called them on XX/XX/XXXX and spoke to a representative who told me that no settlement can be made since the account is not in default. 

My economic situation is already dire and now they want me to be in default with potential harm to my credit before they can even accept my settlement offer? This is not good business especially in light of this national crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions Inc.
State: CT
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 reached out many times to the companys reporting on my credit reports and matched info For my social and birthday address which they agreed did not match my true identity and all agreed to delete all accounts from my credit reports permanently.

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 2023-07-21
Company: EQUIFAX, INC.
State: AZ
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-13
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: Problem with rewards from credit card

Complaint:
We used Citi AAdvantage Card for our flight from XXXX to XXXX. However, our flight got cancelled due to weather and we stayed in XXXX for one more night and waited about 24 hours to get to another flight. We checked with Citi staff on the reimbursement issue but they didn't reply to us in about a month. 

Claim Number : XXXX - Citi card ending : 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 monetary relief
Consumer complaint received 2019-10-22
Company: Client Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2019 SENT XX/XX/2019 Client Services Incorporated ( CSI ) XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, MO., XXXX REFERENCE NUMBER : XXXX ATTN : XXXX XXXX AND/OR Client Services P.O. XXXX XXXX XXXX XXXX, MO. XXXX ATTN : XXXX XXXX RE : FOLLOW-UP COMMUNCIATIONS TO CEASE AND STOP XXXX XXXX XXXX XXXX ( XXXX ) Complaint ID XXXX and Internal Revenue Service LTR XXXX of identity theft claim Dear XXXX XXXX and XXXX XXXX, This letter is sent to Client Services Incorporated to cease and stop due to Client Services Incorporateds fraud, lying, and violating debt collection laws in the state of New York. 

Please stop hazing me immediately. Hence, Client Services Incorporated is charged with past due debt fee of {$5000.00}, for the costs of my legal investigation fees, losses, Citibanks negligence, and my Personal Identity Theft protection. 

Client Services Incorporated has misused my name, identity, and is to cease hazing me. 

Citibank is aware of the fraudulent charges in XXXX XXXX  XXXX XXXX and XXXX which caused identity theft and fraud. 

This is my notice to Client Services Incorporated of a debt collection notice that is going to be past due in three days from the date of electronic notice of XX/XX/2019, in the amount of {$5000.00}. 

XXXX and Client Services Incorporated failed to care and investigate properly thus committed fraud, and lies. 

Respectfully yours,

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid off a no interest promotional account with XXXX XXXX/TD Bank account with XXXX XXXX on XX/XX/XXXX. I had to cancel the automatic payment I had set up in order to pay this account off. It would not let me schedule a payment without canceling this. I received a notice that my account was due on XX/XX/XXXX through email notification that I had set up. I checked my account and it showed a XXXX balance. On XX/XX/XXXX they added a deferred interest charge that I was unaware of of around XXXX. When I received a phone call in XX/XX/XXXX I was told that the account had to be paid off by XX/XX/XXXX I believe in order to have not accrued any interest. On XX/XX/XXXX I paid XXXX to pay this account off again. They were refunding a XXXX late fee. In actuality they did refund this and reapplied it to the account the same day without my knowledge plus 1.35 in interest. XX/XX/XXXX they charged a late fee of XXXX plus 1.00 interest, XX/XX/XXXX XXXX late fee plus 1.00 interest and XX/XX/XXXX XXXX late fee which brought my balance back up to XXXX. I spoke with a representative once again, who advised that this was due to the initial late fee being applied back to my account on the same day it was removed and she would take care of this. Two weeks later I received a message again about my past due account. I called back and spoke with an extremely rude representative and once again I paid an outstanding balance of XXXX. Now 8 months later they have reduced the credit limit from XXXX dollars to XXXX and attached a negative notice on our credit report. I will never again use their service but I am requesting that this be removed from our credit report. I had this set up on automatic payments so as to never be late, had to cancel this in order to pay the account off, and then had to actually pay it off on three separate occasions due to what I feel is deceptive policies and procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: Consolidated Information Services Solutions, LLC
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: Reporting company used your report improperly

Complaint:
On XX/XX/2018 XXXX CIS Inc made an inquiry on my XXXX credit report. Because I never authorized CIS Inc to pull my credit report, I contacted CIS Inc demanding they show valid proof they have permissable purpose to pull my credit report pursuant to The Fair Credit Reporting Act. XXXX CIS Inc never responded with any type of valid proof that they had permissable purpose to pull my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
XX/XX/2020 I deposited {$20000.00} with Capital One 360 with the promise of {$500.00} bonus and 1.36 % interest rate if the XXXX was left deposited for 3 months. The interest rate payment dropped the first month and 3 months later I received {$200.00} instead of the {$500.00}. I called for clarification and was told that I needed to deposit and maintain a {$50000.00} deposit for the {$500.00}. That was not what was advertised. No where was {$50000.00} mentioned, seems like a " bait and switch. '' Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't recall that I had a record with these authorities/loan bosses. I've requested on various occasions to send verification from proprietorship however they haven't agreed to my solicitation yet.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
From XX/XX/XXXX to XX/XX/XXXX the Loan Servicer has not applied monthly over payments directly to principal. I notified the Loan Servicer multiple times. On one occasion, the Loan Servicer stated it would make the adjustment going forward. However, the Loan Servicer never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
MIDLAND CREDIT MANAGEMENT is furnishing an account to my consumer report without providing me with prior consent via certified mail giving me the opportunity to dispute the debt or opt out of any relationship with their company. This is a violation of my consumer rights. I demand MIDLAND CREDIT MANAGEMENT cease and desist all communication regarding this alleged debt through ANY medium ( including my consumer report ). Failure to comply will result in legal action being taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-20
Company: KEYCORP
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Washington unemployment is using the old card number to deposit funds instead of the current one they sent me. Money keeps disappearing and I have not received any funds and I can not alert or notify them to update my card number into there system. So frustrated and my card is over drawn and I have no idea why or how this is happening. XXXX is my phone number and my name is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-18
Company: Experian Information Solutions 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:
While I was in the process of trying to rent an apartment, my credit report had to get pulled. I was denied due to several unknown items on my report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my 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 2020-09-02
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am a XXXX  in Alaska and due to COVID, we aren't able to go to places on land to get internet. I had to make a phone call to my Bank ( BECU ) to get a new debit card, they issued me a new debit card, but they failed to update my monthly automatic payments of my credit card. Since I'm fishing in Alaska, I have no way of getting notifications that a payment was missed or there was an issue with my credit card account. 

Come to find out BECU marked my account 60 days late, closed my credit card and seriously damaged my credit report from a mistake that was made on their end! 

I was just about to buy a house as soon as I am back from fishing and this has ruined my chances. I have a pregnant wife and no way to get my credit score back.

Company response to consumer: Closed with non-monetary relief