BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-18
Company: Experian Information Solutions Inc.
State: TX
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 been disputing a Bankruptcy on my credit report i have written to the bureau for the past 3 years i call them on the phone 2 dozen times i wrote to the XXXX district Court about a Bankruptcy that both Experian and XXXX  have been reporting in Accurately on my Bureau the court sent me a letter indicating that they DID NOT AND DO NOT report to any Credit Bureaus i sent these letters to the Bureaus and they say that they have verify this as a accurate item reported by the court so I went to the XXXX District court with my ID and they said to me that we don't have a BANKRUPTCY in my name they then told me that the Bureau gets this information from XXXX XXXX i contacted them by phone and in writing they have never responded by phone or mail so i sent a letter to the Bureau explaining that they show me their Method of Verification they responded that the info was verified by XXXX XXXX i asked them then why isn't XXXX XXXX showing on my credit report they said that i should contact them bottom line is they don't give a XXXX about me and my credit and how this effects my life so i have spoken with a attorney he said that i should fit a complaint with you so i am complain that these Bureaus are ignoring the Fair Credit act and have no fear of your organization the attorney general or the federal Trade commission so I am asking for your help in this matter if they have verified this then i have a right to know who they verified this information with NAME EMAIL PHONE NUMBER etc.

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: 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:
This is account is reporting to from different furnishers and can not be validated. Please see the response below and delete account as well. 

CFPB # XXXX Company 's Response Account Summary Creditor : XXXX XXXX Account No : XXXX XXXX XXXX   Reference No. : XXXX The account information XXXX XXXX   furnished to the credit reporting agencies was provided by the original creditor. It included a social security number and date of birth. We have not been able to complete our investigation of this dispute and will request that any information provided to the credit reporting agencies regarding this account be deleted or removed from their records. Once debt validation is received, we will provide that information to you but the debt will not be re-reported to the credit reporting agencies by XXXX   XXXX, XXXX. This communication is from a debt collector. Sincerely, XXXX XXXX Consumer Affairs XXXX XXXX, XXXX XXXX XXXX XXXX This is the same account on TransUnion : XXXX XXXX Ohio # 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 2020-10-16
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Once again, I write to complain about the intolerable dysfunction of my checking account at JP Morgan which is not being serviced in any reasonable manner. Numerous previous CFPB complaints about the same and related issues have resulted in no discernible difference using this account. 

Today I tried again to make a small test payment with XXXX from this checking account. And again, I was blocked from doing so. Specifically, prompts within online banking initially claimed that there was no cell phone listed in my profile information, despite the fact that one was already listed and had been entered weeks ago. I then entered the same cell phone number that JP Morgan already had and the same non-sensical message indicated that the cell phone number entered was not a cell phone number. As previously reported, I am blocked from using XXXX while it has been advertised as a service on the account for months to years. 

After determining that the cell phone number that JP Morgan already had and that I re-entered was not recognized as a cell phone number by JP Morgan, thus preventing me from being able to use XXXX, the other joint owner on this account tried to send {$1.00} to the same family member through XXXX. Although the {$1.00} test XXXX payment that we were trying to send to the recipient was deducted from the checking account, within minutes, it was credited back to the account. In addition, it showed that the money had been sent to the wrong bank rather than to the correct one. Not surprisingly, the default, incorrect bank was Chase. 

In multiple ways, two joint owners of this account were again blocked from transferring their money through XXXX, blocked from entering accurate information for an outside receiving bank, denied the widely advertised service of using XXXX, and generally blocked from transferring any money outside of JP Morgan and its minions of related institutions. 

The pattern of repeatedly dysfunctional interference with all electronic transfers of funds is that JP Morgan is unreasonably preventing money from leaving its holdings through any means. I have reported similar interferences with other kinds of electronic transfers of funds. This pattern is similar to another one characteristic of JP Morgan Chase : the quick posting of debits to credit card accounts while taking, twice, three-times or even longer to post credits. There is widespread evidence of JP Morgan generally hoarding funds owned by its customers and refusing to release them for any number of reasons. 

Finally, we know that the would-be recipient of these XXXX payments, a family member, never got any notification from XXXX or JP Morgan on his cell phone, providing more evidence that the payment is being stopped for illicit reasons by JP Morgan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I observed on my credit report that I had a delinquent account with American Express. This account had not been paid in years and I reached out to them to offer a settlement to have the account closed showing settled. When I contacted the company at XXXX I was told the account was in collections with XXXX collection company. I was told to contact XXXX at XXXX to settle my debt. I contacted XXXX on XX/XX/2020 and was told they were not handling any accounts with my information and that I would need to contact American Express again at XXXX. I once again contacted American Express and told them what XXXX informed me. I was then informed that my account must be in limbo between collection agencies and them and that I would have to call back at a later time. I asked to speak with a supervisor because it is my right to take care of debt on my credit report when I call and if they can not provide that service for me than I believe the debt should be removed from my credit reports all together. American Express is causing my credit to suffer longer than it should because I have the money to settle the debt on XX/XX/2020. I wish for American Express to provide me the means to settle this debt and to allow it to show settled as of XX/XX/2020 since this is the day I attempted to settle the debt or I request American Express to show the debt has been paid in full without collecting my payment since they will not provide me a way to pay it. The account is listed under my name and social as they would not provide me an account number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29
Company: Chime Financial Inc
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX - 2 fraudulent charges were made XXXX and XXXX  and dispute was created. Dispute # XXXX  XX/XX/XXXX - dispute XXXX XXXX was approve and XXXX was credited back but not XXXX XX/XX/XXXXXXXX - received an email stating that XXXX was credited back. No credit was given in my account. Contacted bank and they said they will send me an email 24-72 hrs. No email was sent to be within that time frame. 
XX/XX/XXXX - contacted customer service regarding the credit that was approved but not given and they researched and said the investigation team will credit back within 24 hrs. 
XX/XX/XXXX - nothing was credited back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: I.C. System, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sent in a police report where this was notified as identify theft. I shouldn't have to pay for anything that I didn't do and I already have an active XXXX 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 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Since XXXX until now I've reached out multiple times via phone, mail, and even online chat with no responses from the bureau in regards to inaccurate info on 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 2020-09-10
Company: SUNRISE CREDIT SERVICES, INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
End of XX/XX/XXXX, early XX/XX/XXXX I called to have my XXXX services transferred to my new address as I was moving. I was told they didn't service my new address and I would be able to cancel services with no early termination issues. I was told I would receive a shipping label in the mail at my old address in order to return the equipment. I am XXXX so I was glad to hear that I wouldn't have to go in to the store. I never received the label so I took the equipment with me to my new address. I waited for a final bill until I moved and also when I moved I waited for a bill to be forwarded to my new address with my change of mail request. I received nothing. Now I received a phone call from Sunrise Credit Services today XX/XX/XXXX attempting to collect {$250.00} that I had no knowledge of owing. I called XXXX  immediately and the billing department was " unable to pull up a detailed bill '' so I was transferred to the retention department who I was told by XXXX  that could provide the breakdown. I was told by the retention department that I needed to go to the store with the equipment and that the billing department would be able to provide the breakdown and was cut off mid question and transferred back to the billing department and the line was disconnected.

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 2017-09-20
Company: U.S. BANCORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
When entering my routing number from my checking account to pay my loan payment, I was off with one digit. I never received any email or correspondence saying the payment was n't received. Three months later, I applied for a used car loan and noticed that my credit score had dropped almost 200 points. I did the research and found the problem was with U.S. Bank. After contacting them, they were no help whatsoever. They said that I had 3, 30 day late strikes against me because the payment that I " thought '' I had made, was just moving to the following month, and so on. If I had not contacted them, I would be in a horrible position because they never even tried to let me know.

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 2023-05-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was once a wells customer and the overdraft fees was coming left and right in knowingly

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 2018-08-12
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
gm financial is sending wrong Information to the credit bureaus they promised the fix it. Now o was denied a loan bcof. This false info. Pay my bills and on time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-02
Company: SECURITY CREDIT SYSTEMS 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:
This is showing up again. I spoke with windsong- this never should have been charged to me. I had nys no fault AND private insurance AND NYS XXXX as I was pregnant. They advised me they would be removing it. 

Now its back on my credit report, apparently from a collection agency, that I have never heard from either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: Experian Information Solutions Inc.
State: PA
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:
Made several attempts to have the company verify and contest to contract regarding unknown delinquency on the credit file. XXXX XXXX XXXX are being non-complaint of FCRA Guidelines.

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 2023-01-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$1000.00} ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hello, My name is XXXX. This complaint is regarding the closing of my store account with Best Buy XXXX Account # ending XXXX ) .On XXXX XXXX of XXXX a bank review was performed, and at that time it was determined by the company to close my account. I have tried for several months to get a better understanding of why the account was closed. I have had this card for two years. In two years, I have been late twice. Once in XXXX XXXX and, the other in XXXX XXXX. I would like to point out due to the status and history of my account, I did qualify and received a reimbursement for the late fee I incurred in XXXX My account limit is {$1000.00} and on XXXX XXXX I made a purchase for {$720.00}, essentially reaching my cc limit with my purchase. However, when the bank review was performed two months later, one of the determining factors was " Due to high limit with Best Buy ''. Other factors included : *Length of time cc history limit established *Use of credit on revolving accout *Balance on account I have called / escalated calls to understand why my account was closed. One rep did say I was considered a " High risk '' but I am not sure how that is the case when I have shown satisfactory payment history for the last 2 years. The only reason I was ever late with them in XXXX & XXXX was due to technical issues I had with getting into my account. Even then, I am not sure how I would have qualified for a late payment reversal if I was high risk?! My main point is this, I have not giving this company any reason to believe I was incapable of paying my debts with them and my account history shows that. In fact, I have no reported late payments on any account EVER on my consumer credit files. 

As of now, I have continued to make payments on the balance owed. Not defaulting once since this ill advised decision was made.The closing of this card has done me more harm than good. As my " length of account history '' and my " debt-to-credit ratio '' has been adversely affected. 

.

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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TN XXXX XX/XX/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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-12-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have a mistaken bankruptcy on my credit report and an account I was never late on. Enclosed is a letter of explanation

Company response to consumer: Closed with explanation