BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 
The tradeline listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 
In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : XXXX XXXX ACCOUNT NUMBER : 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 2019-04-20
Company: DISCOVER BANK
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Since I am an XXXX year old man, it became apparent I needed to start getting my affairs in order. I have had a Discover card since 2008. I have carried a fairly high balance. recently I discovered they have been charging me {$79.00}. a month for something called Payment Protection. I called to discuss it with them. It has been on my account for years. I don't keep statements so I can't determine how much I have paid but it must be thousands. The lady on the phone quickly offered to refund me about {$500.00}. which was for the last 6 months. I ask to have it all refunded be got nowhere. The 6 month refund totaled some {$480.00} on the fees plus {$30.00}. of interest. Wow, they charge interest on the fees. Anyway, in researching on line I determined Discover has been fined and required to refund some XXXX XXXX  to customers. Wow, guess I missed out. I have sent the payoff of my credit card to Discover. I would very much like to get those fees back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was looking over my credit report and notice that I owe a medical debt {$51.00} but never received any documentation showing that I owe that amounf

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: JPMORGAN CHASE & CO.
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:
XX/XX/XXXXAttempted to dispute information on my XXXX  credit report. It has a fraudulent SSN ending in XXXX. The online service will not allow me to dispute it. I called 3 different numbers for them. XXXX, XXXX, and XXXX. When attempting to dispute this erroneous SSN their system said to call XXXX to better assist. This number only gives 2 options. One is to freeze your account ( which I did ), the other is to purchase a membership. It tells you about optional memberships you can purchase and does not even let you get any of the services. It tells you about them and then hangs up. Neither of them will get you to a person so there was no " better assistance ''. This SSN and anything in reference to it needs to be removed. 

There are also 3 hard inquiries that are from a Chase credit company that I had a credit card with over 4 years ago. This company is running my credit every year even though my account was closed in XXXX. They ran onXX/XX/XXXX,XX/XX/XXXX andXX/XX/XXXX. XXXX  will not let me dispute these either. They need to be removed. 

They also have my ex husband as my spouse and will not allow disputing it online and of course not by phone as mentioned above. He needs to be removed. We have been divorced since XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-29
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have tried to have these removed from my credit as I never spoke to this company nor authorized them to place a inquiry on my credit, I have sent them several letters and yet they still fail to remove them or show me proof of me asking or authorizing them to run my credit!

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 2017-11-29
Company: Credit Plus Inc
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have tried to have these removed from my credit as I never spoke to this company nor authorized them to place a inquiry on my credit, I have sent them several letters and yet they still fail to remove them or show me proof of me asking or authorizing them to run my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Everyday, One Main Financial calls me at least ten times a day and has sent me three letters a day reminding me I owe them money. 

On Wednesday XXXX XX/XX/2018, they called md every half hour. 

This past week, Ive received fifteen letter from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-15
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: Old information reappears or never goes away

Complaint:
XXXX and Experian are reporting an account that obsolete. The account has been on my credit report since XX/XX/2005. It is reporting closed but yet there is incorrect payment history as well as the account is obsolete. I have reached out to XXXX XXXX and informed by a customer care rep to dispute with the two bureaus but yet the account has not been deleted. The XXXX XXXX account number is 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 2017-11-29
Company: RoundPoint Mortgage Servicing LLC
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XXXX/XXXX/XXXX I made a payment to XXXX XXXX. This mortgage was then sold to XXXX XXXX mortgage company on XXXX/XXXX/XXXX. XXXX XXXX does not show that I made a payment on XXXX/XXXX/XXXX, the payment has not be reflected onto my mortgage balance. I have attached my bank statement showing the payment made as well as a statement from XXXX XXXX showing that the payment was received. XXXX XXXX is saying that XXXX XXXX never forwarded them the payment. I have reached out to both XXXX XXXX and XXXX XXXX several times over the last two months and have not gotten any 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 2019-04-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2019 I received a text msg that stated it was from Chase Bank and that my account had been frozen and I needed to click the link to verify my account information. I clicked the link and it took me to a Chase site were I logged in with my password and verified my information. A week later on XX/XX/2019 I checked my bank account and noticed that {$2000.00} had been transferred from my savings to my checking and then transferred out through XXXX to an anymous email address which they listed under my sons name. That's when I realized that the link I clicked on a week ago was not Chase but actually a scammer. That's how they got all of my bank information and was able to go into my account. I notified Chase and filed a claim the same day. The representive stated they would investigate it and credited my account in 10 days. Well, on the 10th day the money was not there and when I called the bank they told me my claim was denied. I didn't understand why when I explained to them what happened and even offered to send them the link that was sent to me which they stated they didn't need. I asked to speak with a supervisor and she stated that they didn't have to do an investigation because it showed that I authorized the payment and it was also done from my device. I tried telling her that when I clicked on the link that was sent to me that's how they were able to get into my account and also since I used my phone, that's how it showed up that it was my device. I asked her why would they not investigate so they could see what account my money went to so they could know that my account was hacked and I did not authorize this payment. The supervisor was rude to me and stated she couldn't help me. I can't believe that as long as I have been a customer and have never had a problem that they wouldn't take the time and investigate this situation so I could get my money back. I have never been so disgusted on how I was treated by Chase Morgan Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX of 2018, I opened a Business Fundamentals Checking account as well as savings at the Bank of America Financial Center located at XXXX XXXX XXXX XXXX, XXXX, MD XXXX with a business check written in my business name in the amount of {$21000.00} for products to be shipped. I was informed by the bank that the funds would be available on XX/XX/2018. However, upon checking my account earlier this week XX/XX/2018 I discovered I was unable to access my account. I visited the Bank of America to be instructed to call XXXX XXXX XXXX without an explanation other than my account is only able to accept cash deposits. When I called XXXX XXXX XXXX the representative told me the account was closed without cause as stated in their agreement and the check did not clear. My account prior to my inability to access it online showed that the check had cleared and that a debit was made and funds being held which is also confusing. I had no idea my account would be closed because of bad check especially after being assured everything would be okay.

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 2017-11-29
Company: CITIBANK, N.A.
State: MA
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:
I have been charged monthly for debt protection since 2008 by XXXX XXXX XXXX XXXX, XXXX, then Citibank when the XXXX XXXX card was transferred from XXXX to XXXX. Have contacted Citibank 3 times requesting proof of purchase of this program. They have failed to provide any proof, but refuse to offer relief. I have payed over {$1500.00} to debt protection that I am challenging and requesting proof of opt in in the form of a signature. They refuse to offer any proof and say that since the charges were monthly and never challenged they will not refund any of the amount paid.

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 2017-11-29
Company: McCarthy, Burgess & Wolff, Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I owe a debt that they repeatedly call about and tell them to stop calling!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: Radius Global Solutions LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A new collection posted to my credit report and I have no knowledge of who this is from. Never received any notices in the mail, bill or do I owe them anything. I have no knowledge of what services I have with them. I have no signature, copy of Id or signature to say I or this account is validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: Experian Information Solutions 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 information incorrect

Complaint:
I previously submitted a complaint to the company in which I explained throughout the time I've had an account with them I have never been late paying on my account. However, the company is reporting a 30 day late payment mark for the account to all 3 credit bureaus for the month of XX/XX/XXXX resulting in a significant decrease in my credit score.

The company replied saying, 1. You made payment arrangements on your account ; however, the account was more than 30-days past due when the arrangements were made ; and 2. XXXX is obligated to report factual information to the credit reporting agencies and we are unable to remove the delinquent credit mark assessed on the account. According to our records, you signed a 36-month promissory note and security agreement on XX/XX/XXXX and you agreed to have the minimum monthly payment of {$99.00} due on the XXXX of each month. On XX/XX/XXXX, you made payment arrangements to assist you in bringing your account current ; however, the account was past due from XX/XX/XXXX. The account was more than 30-days past due when the payment arrangements were made ; therefore, a 30-day credit mark had already been assessed on the account. XXXX is obligated to report factual information to the credit reporting agencies and we are unable to remove the delinquent credit mark assessed on the account due to the payment not being made timely. We have included a copy of your signed documents and payment history for your records. XXXX appreciates you for bringing your concerns to our attention. 

I called diligently and regularly to create a payment arrangement on my account PRIOR to the due date and everyday for a week after the payment was due on XX/XX/XXXX. I was then offered an arrangement that does not seem to be recorded. This is not an uncommon occurrence with this company ; the answers and information received varies with every call.

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 2021-05-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have disputed the debt numerous times and Portfolio Recovery refuses to validate the debt. I need it removed from my credit reports as it is in federal violation of 15 U.S. Code 1692G. I need this removed from my credit reports immediately or they will be subject to a fine. They are reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
A few weeks ago I was purchasing flights through XXXX XXXX ( XXXX ) Upon purchasing I was presented with an offer for a credit card that provided a statement credit of {$250.00} if you use it to purchase your flights. ( AAdvantage ) I signed up for the offer and used the card immediately to purchase flights. I could have used several other cards I have with really good rewards, but I did not due to this offer. 

When I received my first bill in the mail, I noticed I did not receive the advertised credit, which was the reason I signed up. 

I called in to customer service, thinking they could easily help me, but apparently there was two cards accidentally created at the time of sign-up with the second card actually being used for the flights, and also the one I received in the mail.

Obviously I never wanted two cards.

I had to be escalated to a manager who said there was nothing they could do because there was two accounts created, and my offer was stuck on the " first account '', which was never used.

I explained that I only used one of the cards to buy the flights ( $ 800+ ) and I just wanted the duplicate card closed and my statement credit fixed. 

They repeatedly told me that because there were two cards created, I am out of luck, and there's nothing they could do for me. 

I explained over and over that the multiple accounts being created was an accidental circumstance that I never wanted to happen. 

All they had to do was hear me out, realize that two cards were created in error, and hook me up with the credit as advertised. 

So, I cancelled both cards and I am avoiding doing business with either Citi or XXXX XXXX ever again. 

This was a blatant slap in the face which should have been the beginning of a new customer-business relationship. 

I had planned to use this card generously. 

This was one of the most illogical and ridiculous things I have ever experienced, and a terrible way to start a new relationship with a customer. 

From a managerial standpoint, my mind is completely blown. None of this makes any sense, that they would let someone who spends over {$10000.00} on credit cards per month due to a self-owned business completely walk away, so unhappy. 

CITI DOES NOT CARE. 

The employee who denied me is named XXXX and his work code is " XXXX ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-29
Company: Bread Financial Holdings, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I owed XXXX shopping network some money from having their credit card, I was not able to pay after my divorce, they sold my debt to XXXX XXXX and they began calling XX/XX/2011. Since then they have called me nearly everyday sometimes two to three times a day. They have a bunch of numbers they call from. I have told them by phone, orally to stop calling me over these past two or so years. I also told them in writing twice to stop all contact with me including calling or coming to my home, as up to a year ago they sent someone to my house twice a day. So far, however, they are only still calling now. I know I still owe the debt though it is no longer on my credit report. How can I make them leave me alone. I am XXXX nearly XXXX and I live on meager monies and I want to be left alone now. I now owe more then {$4000.00} due to late fees and interest the company piled on. I do not ever answer their calls. I have considered dropping my phone service though I use it for internet more then because of the phone. I record on paper every time XXXX XXXX calls and by what number. I also hear from XXXX XXXX and I am not sure if it is the same company. Though they call right after the other.

Company response to consumer: Closed with explanation