BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-04
Company: EQUIFAX, INC.
State: UT
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:
The three major credit bureaus are reporting a bankruptcy past the credit reporting limit and it must be removed. I recently checked my credit report and noticed that a very old bankruptcy continues to report on my credit file. This was filed 9 years ago! That is insane to still be reporting on my credit file as the credit reporting limit is 7 years. This needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
The three major credit bureaus are reporting a bankruptcy past the credit reporting limit and it must be removed. I recently checked my credit report and noticed that a very old bankruptcy continues to report on my credit file. This was filed 9 years ago! That is insane to still be reporting on my credit file as the credit reporting limit is 7 years. This needs to be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
I did not have access to my " online account '' for 3 months due to my family being severely affected financially and physically by COVID-19. 

When I was finally able to log in, I noticed I had a " delinquent account pending '' I immediately called and spoke to representative, explained to them the situation and paid the full balance. I also informed them that I had a financial hardship and that I was not aware that I was being charged a fee every month and that I never received a single phone call, or a letter in the mail stating that " my account was past due or I had " delinquent fees '' and how severely it was going to affect my credit line and score. 
They stated that because I had selected the " paperless '' option, they did not contact me directly. Therefor they marked my account as delinquent and affected my credit score tremendously. 

Citi/Best Buy credit line, did not care about the fact that I have been a loyal customer for over 5 years and that my family and I were affected severely by COVID-19. Never had I been late in any payments and even after I explained my situation, they showed no empathy and decreased my credit line from {$6000.00} to {$350.00} for " owing {$20.00}! '' If they would have called ONCE, I would have taken care of this payment immediately. 
Their team has poor communication skills and they do absolutely nothing to help resolve any credit issues. Their credit department advised me to go through the " Credit Bureau to see if they can further assist 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 2018-07-30
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX reported a XXXX XXXX XXXX on my credit. I never signed nor did I authorize this company to put this car on my credit or in my name. I called to dispute the matter and was advised by XXXX, with XXXX XXXX XXXX XXXX that the car would not be removed from my name until the payments were brought current. I explained to her that the delinquent payments have nothing to do with me and it's not my responsibility to pay them. I then spoke with XXXX himself and he apologized for the inconvenience and agreed to remove the car from my name. He went on to explain that the car is only on the paperwork in their office which he agreed it shouldn't be. After reviewing my credit report this car is still showing under my name. I asked XXXX to correct this and she advised me I could go online and dispute this with the credit bureau 's myself. This was fraudulently done and I am asking for your assistance to have it corrected.

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 2018-04-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
On XX/XX/XXXX Fifth Third Bank issued a Cashier 's Check # XXXX for {$22000.00} and on XX/XX/XXXX it issued another one # XXXX for {$7000.00}. Both of these Cashier 's Checks were marked " Pay to the Order of : XXXX XXXX XXXX ''. OnXX/XX/XXXX and XX/XX/XXXX, a person named XXXX XXXX XXXX signed his name to each of the Cashier 's Checks and then photo-deposited them into his personal bank account at XXXX XXXX. XXXX accepted the deposits and sent the checks to Fifth Third for payment. Fifth Third,  without validating that the endorsements were full and proper, paid over on the checks to XXXX. XXXX XXXX XXXX then withdrew the {$29000.00} from XXXX and left town. Fifth Third had a very high duty of care to make sure that the Cashier 's Checks were properly and fully endorsed by the payee, and they failed to do so. They should not have accepted the checks from XXXX endorsed as they were. Fifth Third 's actions allowed XXXX personal access to money that was clearly intended to be paid [ only ] to XXXX XXXX XXXX. Their failure to validate and enforce the proper endorsement of these checks, funds that were actually guaranteed by the bank itself, has left the Remitter of the funds [ XXXX XXXX ] legally liable to XXXX XXXX XXXX as the company was never paid for the construction work it did. XXXX has refused to make good on the checks. Fifth Third had a duty to make certain the checks were endorsed by the actual payee and it failed to do so. Fifth Third should step up and make good on the {$29000.00} and pursue XXXX and/or XXXX XXXX XXXX. It should not leave it's own customer, XXXX XXXX, exposed to a lawsuit by the construction company simply because Fifth Third did not do a legal, UCC-compliant, effective and proper job of validating the endorsement on these two checks attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: AMERICAN EXPRESS COMPANY
State: NH
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:
Three to four weeks ago American Express sent the credit bureaus an " update '' on an old account that had been closed for years. The update attempted to re-age my credit and stated that the date of delinquency was XX/XX/XXXX although that was more than two years from the correct date. They then sent the credit agencies notice that it had been charged of on XX/XX/XXXX although I was never contacted and it had never appeared on my credit report before XX/XX/XXXX. I contacted XXXX  and got the date of delinquency changed but they then added a charge off on XX/XX/XXXX. They have now reported me as having missed XXXX monthly payments for an account that was closed years ago. Almost every single thing they reported is wrong and once the damage to my credit is done going back and correcting the errors does not actually fix the damage to my credit. If they had reported truthfully correctly and in a timely fashion this would not have caused such damage to my credit. I spoke to American Express and was told a supervisor would call me to discuss it and no one ever called. I have literally not received anything from these people in years and they have completely destroyed my credit over the last four weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: The CBE Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CBE Group sent a letter verifying that the debt was valid. However, XXXX has verified that there was never a past due and has corrected the balance to XXXX. I spoke with a representative at XXXX office of the president ( XXXX XXXX XXXX now ) and the balance was removed. I have attached the initial account cancelation email, as well as the email showing that the balance was XXXX and a refund was issued for the remaining balance. XXXX has credited the account with the inaccurate balance to make the balance XXXX again. That email has also been attached.

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 2020-11-15
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I no longer want my Chime account. If they will close the account asap! 

I read local news article about hackers getting into Chime accounts and Chime did little to help recover funds for Chime customers. 

Chime seemed like a nice bank or alternative years ago. I just don't find their bank useful to me anymore. 

Maybe one day they will improve services. It is currently hard to reach customer service by phone or email so have no objection that once Chime receives this complaint that they may close account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: Santander Consumer USA 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: Account status incorrect

Complaint:
I AM NOT RESPONSIBLE FOR THIS LOAN, I HAVE DISPUTED WITH ALL THREE CREDIT COMPANIES, SO FAR XXXX  HAS DELETED THIS ACCOUNT. I CAN NOT GET IN CONTACT WITH A REP FROM THE COMPANY ANYMORE. THEY ARE REPORTING THE WRONG INFORMATION ON MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Sequium Asset Solutions, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I negotiated a delete off my credit with these people, for payment. I paid, requested confirmation, and documentation of the delete. They now refuse. 

Initial Call and payment made Tuesday, XX/XX/2020 - Agent on a record line agreed that a payment made at the amount I was informed of and paid would result in a credit deletion. I requested confirmation via documentation, they said it was being sent. 
Thursday XX/XX/XXXX, after multiple days waiting an no confirmation recieved, I called again. After an hour on hold, I was informed an email would be sent within 24 hours confirming once again, a delete would be performed, and that the account was satisfied. 

Monday XX/XX/2020 - Did not receive confirmation, called again. Automated system implied that I owed money, Agents incredibly rude, insisted on talking over me, did not want to transfer me to supervisor to resolve. Insisted they don't DO deletes, and that if someone promised me that, they were wrong. Agent was incredibly rude, kept talking over me like I was stupid, refused to let me speak, tried saying it took over two weeks to send an email. 
When I complained previously about the debt, it took them less than 12 hours to reply when I still owed, so it seems like this company only wants to work with you when amounts are owed, not when they are on the hook.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: DocuPrep Xpress
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
They contacted me via phone claiming they could help me pay off my loan with federal government help. Then only got my debit card for payments each month, for 5 months each year, but the card was already canceled. The reason for the report is I received an e-mail from the U.S. Department of Education about Suspicious Activity on Your Student Loan Account. This company already had access to my information and had reset my FSA account and had access to how many loans I have. They had the last for digits of my social security number as well. I was told by the U.S. Department of Education. Stating " we believe you may be working with a third-party company that is charging you or will charge you a fee for a service that is offered for free through the U.S. Department of Education ( ED ). '' They somehow had access to all my loans just by using my e-mail, name, and address. They showed me a screenshot of all my loans. I now feel that I was scammed and compromised. They had me fill out e-documents I no longer agree with and revoke all access to my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: JPMORGAN CHASE & CO.
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:
I have a loan with JPMCB CARD, XXXX and XXXX ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, JPMCB CARD, XXXX and XXXX ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Accounts have been added to my credit report I believe to be a result of fraud. These accounts are unauthorized and unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: EQUIFAX, 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:
My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: Experian Information Solutions Inc.
State: MT
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:
A creditor from 9 years ago levied my bank account so I tried to set up an account with Experian.com, view any other outstanding debts on my credit report and make sure all old debts were paid. I had trouble doing so and Experian told me I already had a paid credit report account with them, which I was unaware of. When I finally got to see my credit history I was dismayed to see @ $ XXXX in unpaid debt but further disturbed that someone had been paying to see my debt for two months. Someone was paying @ $ XXXX/month and had used my name, ss # and DOB, an email I have never seen, a fake phone number and fake security questions to obtain ( 4 ) bi-monthly credit reports on me. I contacted Experian.com and they reconciled the account so I could see the fake information which included the last four digits of the credit card on file which was being used to pay for the account. Experian told me they could not release the name associated with the card. I filed an FTC ID Theft Report and tried to file a police report but was informed since no money had been stolen there was no crime. Experian.com amended the fake account so that I could see information about the unauthorized creation of the account but they could not provide me the name on the credit card of the individual who created the account, only the last four digits of the card and expiration date. Credit report information on me was illegally provided from Experian.com to an unknown individual on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX, 2017. The information in my credit report was visible to the thief and a link mailed to an email address. I did not open or authorize this account, and I requested information regarding the individual who did open the account verbally from Experian.com on XXXX XXXX, 2017 and sent written request of such information on XXXX XXXX, 2017.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: ZENCO COLLECTION, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have gotten 5 calls from this company, I do not owe a debt to them or anyone else. If theyre claiming I do, I want the paperwork as well as their license to collect in the state of Texas and who they bought my information from.

Company response to consumer: Untimely response
Consumer complaint received 2020-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-08-26
Company: EQUIFAX, INC.
State: TN
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:
Equifax is attempting to start an investigation after it's already been 55 days since they received my dispute. This is well over the 30 days that they are allocated. This goes against the FCRA! I've attached the tracking number that PROVES the day they received my dispute and I've also provided a copy of the dispute letter. They are to NOT start another investigation. They are to remove the disputed items that they did NOT verify within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
TransUnion is attempting to start an investigation after it's already been 55 days since they received my dispute. This is well over the 30 days that they are allocated. This goes against the FCRA! I've attached the tracking number that PROVES the day they received my dispute and I've also provided a copy of the dispute letter. They are to NOT start another investigation. They are to remove the disputed items that they did NOT verify within 30 days.

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 2021-03-04
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:
XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX THIS IS NOT MY ACCOUNT. Both my wife XXXX XXXX and myself were victims of identity theft. I attempted to resolve this with XXXX, EXPERIAN AND XXXX and and the Collection agency. The credit bureaus is still reporting this fraudulent account and I want it removed immediately. The collection agency is harassing my wife and I by calling and threatening to file charges. This is a Fraud account. Im retaining an attorney and suing the credit bureaus for reporting this fraudulent account. Please remove immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: The Outsource Group, Inc
State: OH
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:
I talked to billing number on statementI received. I have XXXX XXXX XXXX and could die anytime. This is medical bill. I offered to pay {$15.00} every month to keep it from going into collections, and if I had more on certain months I would send it. They said that was not enough for them. They would ruin my credit. Which they did. I. have perfect credit they have now ruined. If they do not remove this I will contact the Ohio State attorney generals office. Thanks for your help.

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