BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2021, I went to the Fifth Third Bank located at XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX to open a checking account. I had an invitation code that gives me a {$250.00} welcome bonus. XXXX XXXX, the banker who opened the account for me, didn't use my invitation code and stated that she already has this offer in the system and will apply it to my account. 

When I went back home, I realized that she signed me up for the {$150.00} welcome bonus instead of the {$250.00} so I went back to the bank and this time I met with XXXX XXXX, the branch manager, he asked me to email him the invitation code, which I did. He reassured me that he will manually add the additional {$100.00} after I meet the requirements. 

On XX/XX/2021, I received an email from XXXX XXXX saying ; I am reaching out to inform you that we have submitted the adjustment for your {$250.00} bonus offer and it will be credited to your account after processing. 

On XX/XX/2021, only a {$150.00} bonus was posted to my account. On XX/XX/2021, I emailed XXXX XXXX to inquire about the additional {$100.00}. On XX/XX/2021 She replied ; I have been working on getting the other half of your bonus. I was told to submit another form for the correction and then you should see your {$100.00} in your account. 

It has been 6 weeks since the {$150.00} bonus posted to my account and I still didnt receive the additional {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX have been dealing with the multiple issues running my own business during the COVID-19 Pandemic, unfortunately I was dealing with the quick growth of my business starting in fiscal year XXXX. However, as an excellent paying consumer of Santander/Chrysler Capital I respectfully request a full audit of the actual reception date, not necessarily the fund clearance date of the following payment periods : XX/XX/XXXX showing 30-days late, XX/XX/XXXX showing XXXX late, XX/XX/XXXX showing 30-days late, XX/XX/XXXX showing 30 days late, XX/XX/XXXX showing 60-days late, XX/XX/XXXX showing 30 days late. I do not believe that these late payment periods are accurate, and I respectfully request a reset of my prior payment history based upon the hardships from the Covid-19 Pandemic. These requests are purely from professional courtesy, and the audit review could easily be eliminated through a one-time courtesy reset. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: Amsher Collection Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I ordered cable service with company and upon install my personal property ( television ) was damaged and cable service did not work. I immediately cancelled the service and returned the equipment. Service provider continues to attempt to collect on a debt that I do not owe, nor agreed to pay. Consequently, debt was reported to credit bureaus and I have disputed it with no favorable results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. 

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2021-11-10
Company: EQUIFAX, INC.
State: NV
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  Inquiry Date XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: CITIBANK, N.A.
State: ME
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 was contacted by a person representing himself as an attorney soliciting his services to get me out of credit card debt. XXXX XXXX XXXX charged my Sears XXXX XXXX for fees. I disputed with credit card company and the charges were removed. XXXX then sent a credit card authorization form to XXXX and forged my signature on the form. The credit card company put the charges back on my account and informed me they reversed the previous credit as they were not contacted in timely manner no recourse available to recover the funds

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 2021-11-10
Company: COLLECTION PROFESSIONALS INC (Illinois)
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My wife received a phone call regarding medical bills and my daughter 's private XXXX XXXX XXXX that she had discharged in her BK They asked for me and then said I owe the debt for 2009 They did have a judgment against me for 7 years Now They just sent a certified letter saying I owe $ XXXX and have to be in court on the XXXX of XXXX. I would assume that the statute of limitation is up but I'm not a lawyer

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 2021-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello There is a lot of incorrect information showing on my credit report and after investigating I was able to confirm that I had the right to send my complaints via letter to the Credit Bureaus, well I must say im not happy with the way this has been handle since I always try to get in touch and I either get ignore or adviced that there will be an investigation open and no result its provided, its been months since i've been waiting for an answer.

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 2022-04-01
Company: Resurgent Capital Services L.P.
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 am a Victim of Fraud/identity theft *Accounts were open under my name, I have been able to dispute some and some have been deleted by the actual creditor. ( one of them being XXXX ) XXXX XXXX XXXX : {$860.00} Date Open XX/XX/XXXX ( never opened an account with this company ( XXXX Has deleted this account, but XXXX and XXXX have not ) XXXX {$600.00} Date Open XX/XX/XXXX I have sent a 1099-c to the credit Bureau and nothing has been resolved XXXX this account was open XX/XX/XXXX this account is not mine but I PAID FOR DELETION and still shows ( XXXX and XXXX show I have an available balance of {$600.00} and {$1000.00} with {$0.00} balance but at the sametime it show a neg derogatory XXXX XXXX a copy of a letter has been sent from XXXX stating I was never late yet still shows I missed 1 payment on XXXX of XXXX LVNV FUNDING LLC open as identity theft XXXX and XXXX have removed still on XXXX XXXX XXXX, XXXX open as identity theft XXXX and XXXX have removed still on XXXX Inquiries XXXX from XXXX and 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent Capital One a request to validate the debt that is showing as owed on my credit report. I have had this credit card for 16 years and paid faithfully without knowing that this account is false and misleading. I asked this agency to send to me validation that I owe this debt to them. They did respond with verification and a written notice stated the year the account was opened, plus a packet of statements dating a year back. This information is insufficient and does not prove that I lawfully owe this agency any amount of money. I did not receive a contract that was signed by two parties and statements as opposed to invoices. This is not verifiable proof a contract and a promise to pay. Truth is, according to Title 15 US Code 1692 ( g ), I am the original creditor and each time I signed a slip for a credit purchase, this item became a note instrument that can be used to represent money or as money. I don't owe the company a dime because each time the card was used, money was created for the banks to balance their accounts and for Capital One to capitalize off of receiving an extra payment as well as interest. This is a SCAM!! These false and misleading actions taken by this company has damaged my reputation, caused me to lose money in higher interest rates and also cause employment and housing issues. I am a single mom with children who works hard to keep my credit secure and this issue has caused much stress and grief. I have recently interviewed therapists in order to choose someone to assist me with the stress this has caused as it has damaged my mental health. These debt collectors are purchasing debts that have already been written off by their clients for pennies on the dollar and then coming after innocent citizens to wreak havoc on our lives and cause emotional and mental strain. The nature of this debt is fraudulent as I don't owe this company a damn dime. I have never had an agreement to pay them anything. There is no contract between us on file and they have been insufficient in providing the validation that I asked for because IT IS NOT REAL!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: T.S. Holdings
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I.Q. International Data is a debt collector for XXXX XXXX XXXX XXXX XXXX which has increased alleged the amount owed with six percent daily interest for years without any contractual agreement with my signature from XXXX to XXXX. In violation of FDCPA 1692e ( 2 ), where the collector claims an amount more than actually owed ( allegedly due to interest, late charges or other fees, that are not authorized ). I would like these practices to end not only for me but for all hard working Americans that have dealt with this type unethical profiteering behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: Bread Financial Holdings, 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:
Comenity bank has the same account on my report twice. This new account just showed up on my report with the same dates, the same amounts, and the same company. This is hurting my credit report tremendously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-10
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Recently i received a copy of my Experian credit report and noticed multiple unauthorized opened accounts from XXXX added to my credit file, i did not give permission for Experian or any one else to run my credit, i did not apply for loans or any credit cards with XXXX. Experian gave XXXX credit card company access to my credit file without my permission. 

there are 2 XXXX accounts that are reporting balances and late payments in my Experian credit file that do not belong to me and when ever i talk to Experian they blame XXXX and when ever i talk to XXXX the blame Experian saying they must have my file mixed up with someone else 's, and no matter how many times you contact either party. they keep blaming eachother, i feel as if i'm not getting any real investigation.

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 2017-10-26
Company: EQUIFAX, 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:
On XXXX XXXX, two men selling XXXX XXXX XXXX  knocked on my door at around XXXX. I answered the door and they proceeded to tell me about the product they were selling. Something they said piqued my interest so they offered to give me a quote. They said they do n't know why, but their system requires a name and address to generate a quote for somebody. The provided my wife with the quote verbally at which point my wife said she was not interested and they left. 
The next day I received a call from XXXX, our credit monitoring service, who said I had a HARD credit inquiry on my account and did she recognize it. I said no and after looking into it, we determined that the hard credit inquiry was from XXXX XXXX XXXX and actually occurred on XXXX XXXX, the day before I even spoke to XXXX. Of course my husband and I were outraged as we had not and would n't even think about giving XXXX permission to do a hard or even soft credit inquiry. And the only info I had given them ( which they already knew ) was my name and address. 
I have reached out to both Equifax and the company to no avail. Neither has been helpful in any way in resolving this and getting this unauthorized hard credit inquiry removed from my credit record. We would appreciate any help the CFPB could provide in resolving this as we feel it is outrageous that a company could do this. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
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:
On XX/XX/2017 XXXX XXXX XXXX inquired on my credit. 
I have tried to contact them to send me the file inquiry.to me. 
No 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 2021-05-13
Company: JPMORGAN CHASE & CO.
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:
On XX/XX/XXXX of 2020, I contacted Chase Credit Card Services to pay off my credit card and close my account. After 9 years of on time payments, I asked if they could take some of the interest off that I had incurred the previous month. The company offered to take {$600.00} off the total amount and remove the debt from my credit score. I payed the new amount owed and closed my account, happy with the customer service I had received. 

Approximately 14 months later, it has come to my attention that Chase did not actually take {$600.00} off in interest for customer satisfaction but instead reported the account as " settled without paying in full ''. This caused my credit score to drop by 80 points and is unable to recover for 6 years. 

Furthermore, upon contacting the company they advised there was nothing that could be done due to me agreeing to a " settlement ''. I asked if I was provided anything in writing or verbally about the ramifications of settling, and they stated it is not there responsibility to inform customers that a settlement would be reported negatively on a credit score. 

I have attempted to pay back the {$600.00}, I thought was a courtesy, in order for them to report the account as being paid in full, but they are refusing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-13
Company: BAM Management US Holdings Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I started my Binance.US account a couple months ago and tried to fund my account with ACH transfer. Your ACH transfer were glitching and the money went into my Binance.US account but never charged my bank. A week later my account is locked due to chargeback so I instantly Wire transfer way more money then I owed. For some reason you accept my money but wont let me take it out. Yall have my entire life savings locked up and havent responded to any tickets at all. Crypto is crashing and I cant do a thing about it. Sounds highly illegal. # XXXX is my LATEST ticket number. I can't come to terms with how you can keep someones hard earned money locked for months with no response as to why and just letting peoples accounts burn to the ground

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: EQUIFAX, INC.
State: IL
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 've been in the hospital for the last month in and a half from being diagnosed with XXXX XXXX XXXX XXXX. Got out the hospital on XX/XX/XXXXand noticed I had a ton of mail. Within that mail, it was a lot of denial of credit letters, in which I have n't applied for anything this year. Due to too many inquiries in the last year. Reviewed my XXXX XXXX and noticed that I had a total of XXXX inquiries. Out of those XXXX inquiries, XXXX are valid. Please help me to get this removed. Also I would like a credit freeze on my account. Since the data breach with Equifax I 've been getting a lot of random offers. When I know I requested to be removed off of the preapproval list. Even on my XXXX XXXX my credit is important to me. 

1.XXXX XXXX-XX/XX/XXXX 2.XXXX XXXX XXXX-XXXX 3.XXXX XXXX-XX/XX/XXXX 4.XXXX-XX/XX/XXXX 5.XXXX XXXXXX/XX/XXXX 6.XXXX-XX/XX/XXXX 7.XXXX XXXX XXXXXX/XX/XXXX 8.XXXX XXXX XXXX-XX/XX/XXXX 9.XXXX - XXXX-XX/XX/XXXX 10.XXXX - XXXX-XX/XX/XXXX 11.XXXX XXXX XXXX-XX/XX/XXXX 12.XXXX XXXX-XX/XX/XXXX 13.XXXX XXXX XXXX-XX/XX/XXXX 14.XXXX XXXX & -XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Violated 15 U.S. Code 1681

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