BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-15
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I was making a purchase at XXXX XXXX. The total charge was {$50.00}. I initially tried to pay by XXXX XXXX credit card. The new cashier in training told me she could not process my credit card and asked me to pay cash. I then paid {$60.00} in cash and I got {$10.00} for change. 


After two months, I got a bill stating I owe {$78.00} including the late fee. That means I was charged twice on XX/XX/XXXX and I paid twice ( XXXX credit card and my cash ) for the same items.I did not even got the first bill of {$50.00} in the first place. 


Since I have already paid the items by cash, I am not responsible for the {$78.00} card payment. I called XXXX XXXX and filed a dispute. I was told I would not be charged the interest during the investigation. I faxed my letter explaining the situation and faxed a copy of the receipts. 


However, I got three letters today on XX/XX/XXXX from XXXX XXXX. The first one stated they got my request for the dispute. The second one I got was asking me to call them to provide further info. The third one was the statement asking me to pay {$110.00} now including the additional late fee again. I called XXXX XXXX   again and the representative twisted the story. She said the cash payment was cancelled and the credit card was charged. I discussed about the receipts I sent them earlier by fax but the info was ignored. 


Therefore, pls follow up and waive all the charges and fees.

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 2019-02-15
Company: EQUIFAX, 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:
I have personally been affected by several data breaches. I have found serval fraudulent accounts on my report and I am requesting the are removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-15
Company: ASSOCIATED BANC-CORP
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On or about XX/XX/2018, 20 unauthorized transactions totaling {$460.00}, were debited from checking account. After going through the process of filing an unauthorized claim, the bank concluded money can not be refunded because there have been previous transactions in my account history with the same merchant. While I can agree with this conclusion partially ( I did authorize previous transactions to this merchant in the past ), I disagree with the finding because all of these charges in question came from a different IP address than the one listed in my previous account history. If proper researching was done in the first place, it would demonstrate that purchases I authorized my son to make over the course of the past 2 and a half to 3 years ago emanated from a completely different IP address than the one in which these charges originated. In other words, the charges were made by another child who accessed my son 's XXXX account to which my debit is attached without our son 's permission while my family was away running errands from his parent's/grandparent 's home. 

Furthermore, when I allow my son to make charges, they never total to {$460.00} -- - period -- - because an XXXX-year-old doesn't have the means to repay this debt. In other words, we normally allow him to make purchases in the amount in which he can repay immediately. Naturally, the bank requested " confirmation of cancellation with the merchant, date of cancellation, confirmation number or the name of the person I spoke with ... '' Since these items are irrelevant to my situation, I attempted to further explain my situation to the bank and as of this morning, this matter is still unresolved. By the way, I did ask if this wasn't the proper forum to have my concern addressed, could I be advised as to the proper channel to have my concern addressed. Needless to say, I'm still waiting ... 

My point in all of this? First and foremost, my husband and I don't have {$460.00} to waste on frivolity. As a result of these unauthorized charges, I have and continue to incur difficulties with this bank such as NSF charges that wouldn't normally be assessed if had the money been in the account. My family of XXXX is a single-income home. I became XXXX over 25 years ago, and don't receive any support, such as XXXX, from the government. The response I was given from this bank was totally inapplicable to the set of facts presented. Attached to this document, is all of the correspondence which has transpired between myself and this bank. Having worked in the banking industry previously, I will say that this is not customer service. Proper customer service includes researching if/when discrepancies and/or disputes occur. I have no reason to promulgate falsehood. 

It is my hope that an acceptable resolution to this problem be reached -- - and reached soon!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-11
Company: American Credit Financial
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Below is the transcript of a voicemail received on XX/XX/2017 : You 've got a new voicemail from Unknown Caller. Transcript : This message is intended for XXXX XXXX this message tended for XXXX XXXX. My name is XXXX XXXX. I 'm with the XXXX XXXX XXXX calling to inform you that I received a very important documentation my office today under your name is social security number ending in XXXX. I 'm calling to inform you that you have a pending civil claim that 's being filed to get you. I understand if you 're not sure what 's going on also provide a member for you. This is the number of the filing party me questions or concerns that number is XXXX again. That is XXXX and when you call please refer to claim number XXXX please verify the schedule service, unless. I hear differently pro p bus to take you to get you have to excuse me. Have a good day and good luck. 

I called the number. The person answering identified the company as American Credit Financial and I was told that unless I paid $ XXXX That there would be served with a felony intent to defraud action and be arrested for failure to repay a payday loan. 

I informed the debt collector that I had filed Chapter XXXX shortly after incurring the debt. She responded that it did n't matter, I either paid it or I would be served and arrested. 

I asked for their mailing address so that I could send them the bankruptcy documents, and she said they do n't give out their mailing address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: General Motors Financial Company, 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 status incorrect

Complaint:
GM Financial # XXXX is in collection status on my credit report, however this account should never have gone to collection. I have never been late or missed any payments and I have a letter attached that GM sent clearing my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX XXXX FILING A LAWSUIT AGAINST Equifax Information Services LLC! Equifax Information Services LLC is transferring XXXX XXXX nonpublic personal information without any of my lawful consent. Ive filled a FTC Complaint against Equifax Information Services LLC and will be writing the CFPB to investigate Equifax Information Services LLC for all deceptive business practices act and unlawful practices with prejudice! As dated XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX  XXXX # 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  ONE YEAR OF CHALLENGING THESE ACCOUNTS REPORTING IN ERROR A FRAUD ALERT WAS PUT ON MY REPORTS WHICH I WANT REMOVED AND THEY SAID THEY WERE NOT REINVESTIGATING PER FCRA NO BALANCES OR CREDIT LIMITS SHALL BE REPORTING ON ANY ALLEGED CHARGE OFF OR COLLECTIONS ACCOUNTS

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 2020-10-28
Company: JPMORGAN CHASE & CO.
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 information incorrect

Complaint:
Company named chase keeps putting on my credit report that I owe them money for card I have never had

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
In XXXX of 2020 I placed a freeze on my credit score. At that time my XXXX credit card was removed from my account by Experian. In XXXX of 2020 I applied for a mortgage which I was refused numerous times by numerous lenders. I have been told repeatedly that I have no FICO score. After contacting Experian in XXXX I have complied with each and every requirement they insisted on. Experian refuses to reestablish my 30 year credit history with XXXX. We have been in contact with Experian numerous times since XXXX XXXX has sent them all requested information. Experian continues to request more information which has already been sent to them. They have assured me numerous times that everything would be taken care of in 7 days. It has now been 5 months and I am still unable to qualify for a mortgage. My FICO score in XXXX of 2020 was XXXX. Experian continues to refuse to reinstate my FICO score until they receive more information which they have already been given. I have requested to speak to a supervisor and been told there are none available.

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 2019-02-15
Company: Experian Information Solutions Inc.
State: NV
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:
To whom it may concern, I am highly disgusted with the practice of this company that continues to list a dismissed Bankruptcy on my credit report. The Bankruptcy was dismissed due to me changing my mind, and my mother helping me pay off some of my bills. I have disputed this issue with XXXX   and Experian multiple times now only for them to send back the same automated letter stating that their policy is to keep reporting Bankruptcies that are filed, adjudicated or dismissed for ten years. Not only have I received the same response from both companies but I also received a letter from a 'XXXX   XXXX ' from XXXX stating they never received a dispute letter from me which is a LIE ( and I have the responses in my possession ) and that I need to send in verifying documents AGAIN because I'm not reported in their database. How is that even possible when I've been disputing this for months? and a pretty similar response from XXXX XXXX from Experian. The problem with this is not only is it severely hurting my credit and ultimately hindering my livelihood, the Fair Credit Reporting Act mentions absolutely nothing in Section 1681c regarding bankruptcy about dismissals and filings despite XXXX and XXXX mentioning that in the Fair Credit Reporting Act " allowing '' it to be reported for 7 years. However the law CLEARLY states from " Date of adjudication '' or date of " order of relief '' ANY case, civil or otherwise which is dismissed no longer exists in the eye of the law, and a case filed may never have actually been adjudicated. Therefore this company has no right to maintain any information that the government has deemed nonexistent. Therefore pursuant to section 1681 ( a ) ( 5 ) of the FCRA, they must delete this information from my credit report and send to me an updated copy of my credit report when this action has been completed. Not only with this information from the law please also note that the dates listed as the dismissal is NOT correct, which I also have told XXXX and Experian in a previous dispute leading to the fact and practice that ALL erroneous information reported calls for removal as well. It's quite ridiculous and a horrible practice from the company that with absolutely no remorse they have denied the dispute every time and not done the proper investigation nor resolution, it's unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: Blackhawk Network Holdings Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XXXX XXXX - Attempted to utilize XXXX XXXX XXXX XXXX to buy an {$200.00} XXXX XXXX Card ( Order # XXXX ). The order was cancelled by XXXX. 
I reviewed the gift card balance to see the return of the {$200.00} to the gift card balance, but was returned to the card. XXXX confirmed that they never accepted any payment as the order was cancelled. XXXX XXXX XXXX, I contact BHN Customer Service to dispute this occurrence and was contacted to say they they need formal request to pursue further. I completed their investigation form and provided on XXXX XXXX. In late XXXX, i received notification that they were unable to resolve my dispute and said the issue is with the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: EQUIFAX, INC.
State: MS
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:
There are inaccurate addresses, spelling of my name and Chapter XXXX Bankruptcy reporting on my credit reports. After viewing my credit reports on XXXX XXXX and XXXX XXXX both are showing inaccurate reporting of Chapter Bankruptcy XXXX discharged. On XXXX XXXX it's showing the Bankruptcy XXXX discharged on XXXX and XXXX   and not Equifax. On XXXX XXXX it's showing on Equifax and not XXXX ( attached ). 

So I contacted the couthouse in XXXX Mississippi listed on my Equifax report because on XXXX has it listed as " Federal Court ''  this bankrupcty was dismissed, not discharged and is not reporting 100 % clear and accurate information FCRA 609 ( a ) ( 1 ). The Date of filing is inaccurate also. 

After more research I found that this was also a violation of all 3 companies to insure that grave responsibilities with fairness, impartiality, and a respect for my right to privacy. 15 U.S.C. 1681 ( a ) ( 4 ). In the case of XXXX Vs XXXX  " reasonable procedures should be carried out to assure maximum possible accuracy '' on my credit report 15 U.S.C. 1681e ( b ). 

And THE ELECTRONIC CODE OF FEDERAL REGULATIONS 660.4 Direct disputes. ( iv ) Information derived from public records, such as judgments, bankruptcies, liens, and other legal matters ( unless provided by a furnisher with an account or other relationship with me, the consumer ). I had no relationship with the courthouse or whatever company furnished this information. 

FDIC 600.1 Authority and purpose ( b ) The Fair Credit Reporting Act requires that XXXX, Equifqx, and XXXX provide information to be fair and equitable towards me with regard to the confidentiality, accuracy, and proper use of any information reporting on my credit profile. 

And first-hand knowledge, which means XXXX, Equifax, and XXXX should have on file, if this Bankruptcy was accurately reporting, the actual petition of the bankruptcy, bearing my signature in BLUE INK according to FCRA 603 ( 2 ) Verification ( I ) made in connection with an application that was made by, or a transaction that was initiated by me, or in connection with a review of an account under section 604 ( a ) ( 3 ) ( F ) ( ii ) [ 1681b ]. 

FCRA 604 15 U.S.C. 1681b XXXX, XXXX and XXXX   maintains under my social security number ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order. Making this BANKRUPTCY FILING INCORRECT, INACCURATE AND UNVERIFIABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: Dovenmuehle Mortgage, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I filed bankruptcy. In XX/XX/XXXX my mortgage was sold to Dovenmuehle Mortgage Inc. I made my first mortgage payment to Dovenmuehle in XX/XX/XXXX. As of XX/XX/XXXX, I've paid my mortgage for each of the 29 months I was with Dovenmuehle. Each month was paid via check for a total of 29 checks thus far. In XX/XX/XXXX my bankruptcy was discharged from the court system. Shortly after my bankruptcy was discharged in  XX/XX/XXXX, Dovenmuehle sent me a letter stating that I was behind on my mortgage payments. After speaking to my bankruptcy lawyer, I was informed that Dovenmuehle did not submit the proper paperwork to the courts during the bankruptcy timeframe. Dovenmuehle states that they increased my mortgage during the bankruptcy process but they did not legally file this with the court, nor with my bankruptcy lawyer or myself. Dovenmuehle has been inaccurately harassing me since XX/XX/XXXX about missed payments and late charges for a mortgage increase that I was never informed of. On XX/XX/XXXX, I received a mortgage statement from Dovenmuehle via mail for the amount of {$2200.00}. That amount includes an overdue payment of {$1300.00}, plus {$200.00} for bankruptcy attorney fees, and a new/higher monthly mortgage of {$680.00}. For 29 months I've paid my mortgage of {$670.00} for every month via check and I have proof of payment from my bank. Dovenmuehle never informed me or the court system about an increase in mortgage nor about any overdue fees/charges. I was never contacted by Dovenmuehle regarding any increases to the mortgage but am now being harassed and threaten to be sent to collections for an unexplained overdue balance. My bankruptcy lawyer reviewed the terms of my bankruptcy case and determined that Dovenmuehle never submitted any documentation of any of these miscellaneous charges or increase in monthly mortgage payments to the courts. I am not responsible for paying for charges that were never legally communicated to me, my lawyer, or the courts and am requesting an investigation of this mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company name is : Portfolio Recovery. This company has sent hundreds of letters over the past fifteen to twenty years. I did contact the credit bureau 's and I had positive results, meaning this company was blocked from damaging my credit by from placing current dates as if I had recently applied for credit with their company. And now what this company do is track my addresses, telephone number 's and call leaving no voice messages but I have call block on all of my phones so the above mention name pops up 's from different states and phone number 's. This company conducts many soft inquiries a month on my credit. In the past in all of the letters it states that the statue of limitations of this debt does apply because it is an old debt, and I will not be sued in court. well since I don't have bad credit I just assumed for a long time this was a scam. Until I moved and I had many letters from this company waiting for me from this company. This nothing but harassment and I am sick of it now. I am a retired XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX   and this has to stop. How ever the person from this company that has been tracking me down all of these years makes me feel as though my life may be in danger because of the behavior of this person and the amount of time that this has been going on. What ever assistance that can be given I really would appreciate, because this misconduct must stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
accounts have been paid, and its not showing updated information, showing account is still negative, and current amount is not accurrate, multiple request since XX/XX/XXXX, XX/XX/XXXX, XX/XX/2017, has been denied, stating i already disputed and there refusal to update and investigate and put accurrate information due to their policy. 
XXXX XXXX XXXX, reporting false information on amounts, dates, and stauts of acccount. 
XXXX and XXXX account experian, XXXX and XXXX item will remained unchanged from our processing of your dispute in XX/XX/2017 and not to dispute again.

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