BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I've been a victim of identity theft for some time now, there has been fraud accounts on my profile and overtime the credit bureaus have not helped me with removing them. I reached out to all 3 of the credit bureaus to have these items blocked/removed but they have only received my request to block these said fraud accounts, through the 605 ( b ) laws, as i've sent in a cover letter, ftc report, list of fraud item, and proof of identity. I've sent the necessary documents over and over. But these bureaus continues to tell me over the phone that they are still working on their investigation and its been several months since they've received notice. 4 days after receipt of block request using the necessary documents is as long as the credit bureaus have to take to remove the identified identity theft items off of a consumers report, that is LAW! 605 ( b ) FCRA, so why are these items still on my report? Because these bureaus are willfully and knowingly being negligent of identity fraud. This has to stop! I AM PREPARED TO SUE.

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 2019-05-17
Company: Performant Financial Corporation
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A notice of cease and desist, as well as a request for proof of contract sent to Performant Recovery , Inc on XX/XX/2019. However, they refuse to respond. Instead harassing and contacting me everyday a couple of times a day.

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 2019-06-20
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I received my Credit card statement from BarClay Credit with the following information : Ending balance as of XXXX : $ XXXX/received payment on XXXX of {$210.00}. The remaining balance is noted as {$7100.00}. My Interest rate is 24.40 % APR. Based on Barclay customer service agent on XXXX phone call, the formula to calculate how much interest is due for the next bill would be {$7100.00} x 0.2124 =1525.58424 which then is divided by 365 days ( 4.17968285 ) and multiplied by 30 days in the current cycle bill for a total of 125.39 ( interest ), however my bill notes my statement notes they are calculating the interest of {$7400.00}. I asked where they got the XXXX from as this number does not match my previous ending balance or my current balance. The customer service agent noted they round up in their calculations, however I went step by step and asked him to tell me where they rounded up so I could add this my calculations. The customer service agent could not provide an accurate response and he himself could not explain why where the {$7400.00} amount was derived to calculate by interest rate. This amount is even higher than my ending balance on XXXX or my balance after my payment. I have not paid a single purchase during the period of time.

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 2019-06-20
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
You have to fix this account, verify and delete it, its always paid on time XXXX XXXX XXXX, the account was not transferred.. You have to fix this account, verify and delete it, its always paid on time..I sent numerous letters to credit bureaus but they did not fix it..CFPB step up and fix the 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 non-monetary relief
Consumer complaint received 2020-06-23
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: Account information incorrect

Complaint:
XXXX XXXX Credit card is reporting a 30 day late payment in XX/XX/2019. I paid the account from the wrong bank account on XX/XX/XXXX. I realized my error and I paid the account current on XXXX XXXX. The payment was reported to the credit bureau as 30 days late when it was not 30 days late.

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 2020-06-23
Company: Experian Information Solutions Inc.
State: CA
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: Problem with personal statement of dispute

Complaint:
We files for a forbearance 3 different times and waited for approval and called and emailed numerous times with no calls or emails returned. We waited for an answer for the forbearance finally got word in XXXX. The mortgage company told no negative would be reported. During XXXX we reached out to them seeking help and not knowing what was going on with the forbearance application for the 3rd time. They reported us late for XXXX, XXXX and XXXX before the month was even up on the XXXX of XXXX, 2020. We have contacted Experian many times and no resolve.

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 2019-06-20
Company: Experian Information Solutions Inc.
State: PA
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 card Company must have change name to XXXX XXXX Date open XX/XX/XXXX Amount XXXX fraudulent account identity theft unknown person open account using stolen identity to obtain credit card account in my name account was supposed to be deleted back in XX/XX/XXXX from XXXX XXXX attached is letter stating XXXX will delete account because it's a fraudulent 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 2018-10-01
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX account no.XXXX are wrongfully appearing on my XXXX and XXXX credit bureau files.XXXX XXXX is the debt buyer for XXXX, ALSO ACCT NO.XXXX.THE ACCOUNTS HAVE BEEN RE-AGED.The correct date of first delinquency is XX/XX/XXXX DAYS LATE.The account was never brought current and was closed by the creditor on XX/XX/2012 when it was 90 days late. 
I have attached both the original creditors reporting to XXXX that have been verified many times along with XXXX XXXX.it is easily seen that the information, though verified as correct reports wildly different between the bureaus and is incomplete on key payment history dates. 
IN two months from today, if accurately reported both the original creditor and XXXX XXXX would age off the report. 
Please note what appears to be intentionally fraudulent reporting by the collection agency and original creditor.

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 2020-06-23
Company: DISCOVER BANK
State: CA
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:
I have paid XXXX, XXXX, XXXX and XX/XX/2020 on the date the money was due, and Discover refuses to refund the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Ocwen Financial Corporation
State: WA
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:
nothing I keep having credit rating value declines. It has caused me to pay higher deposits on an apartment.

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 2019-06-20
Company: EQUIFAX, 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:
AFTER REVIEWING MY CREDIT REPORT. I FOUND SOME INACCURATE INFORMATION THAT IS A VIOLATION OF THE FCRA FROM XXXX, EQUIFAX AND XXXX. 

ADDRESSES THAT ARE NOT MINE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX -- NOT MINE XXXX XXXX XXXX XXXX  XXXX  XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX, FL 3XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXNOT MINE XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX, GA XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX  XXXX  XXXX XXXX, FL XXXXNOT MINE PHONE NUMBERS THAT DOES NOT BELONG TO ME- ( 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 THESE NUMBERS ARE NOT MINE SSN THAT ARE NOT MINE- XXXX XXXX XXXX PUBLIC RECORDS THAT ARE NOT MINE Record Type Chapter XXXX bankruptcy Reference Number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-20
Company: Diversified Consultants, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Diversified Consultants keeps calling me. They say they are calling on behalf of XXXX. I haven't done any business with XXXX EVER. They have called at least 6 times and they demand that I tell them my Social Security number. I have told them EVERY SINGLE time they have the wrong person and to leave me alone. They have refused to leave me alone. They are an abusive and corrupt company. They should be fined and imprisoned. It is not acceptable to call random people out of the phone book and demand personal information OVER AND OVER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2020 I received a notice from XXXX  saying I had a new inquiry on my credit report, I saw it was from CITIBANK. 

I have NEVER applied for a CITIBANK card! They closed one of my accounts 10 years ago and I refused to do business with them since and DID NOT AUTHORIZE THIS INQUIRY! 

I am currently in the middle of buying a home and this XXXX  up the entire process!

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 2020-06-23
Company: LoanCare, LLC
State: CA
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: Problem with personal statement of dispute

Complaint:
We files for a forbearance 3 different times and waited for approval and called and emailed numerous times with no calls or emails returned. We waited for an answer for the forbearance finally got word in XXXX. The mortgage company told no negative would be reported. During XXXX we reached out to them seeking help and not knowing what was going on with the forbearance application for the 3rd time. They reported us late for XXXX, XXXX and XXXX before the month was even up on the XXXX of XXXX, 2020. We have contacted XXXX  many times and no resolve.

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 2020-06-23
Company: Conn's, 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:
Conns Credit account # XXXX was opened in XX/XX/XXXX. My monthly payment amount was {$100.00}. I paid all amounts on time and paid the account off on XX/XX/XXXX in the amount of {$260.00}. The credit report shows the account as a Charge off and the it was Reaffirmed in Bankruptcy. The notes are : Payment history guide Charge Off as of XX/XX/XXXX toXX/XX/XXXX 30 days past due as of XX/XX/XXXX Paying debt previously in Bankruptcy on XX/XX/XXXX This account was never included in bankruptcy and wax paid on time and closed. I contact the company and the Customer Service rep agreed that the data was incorrect. They were unable to correct it however.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
For many years, I have a XXXX XXXX card which automatically gets paid by my Bank of America ( BoA ) bank acct. On XX/XX/2019, XXXX XXXX sent a bad credit to credit agency stating I didn't pay for a XX/XX/2019 bill. I called XXXX XXXX and provide fax copies of my BoA showing that it was automatically paid. Next, XXXX XXXX and Bank of America both stated that there was acct number discrepancy. I explained to them that I've been a customer for many years with both organization and did not change my card or other info. After many calls, email and fax, both XXXX XXXX and BoA appear to be both blaming each other but not helping me resolve this. 

Can you assist in this billing dispute by contacting the business and also help correct my credit report related to this matter.

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 2019-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Several Overdraft fees of {$35.00} each. Bank of America. Also charging fees of up to {$8.00} to see my balance on the atm when the mobile app was down.

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 2020-06-23
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: Account status incorrect

Complaint:
XXXX XXXX account # XXXX was opened in XX/XX/XXXX. My monthly payment amount was {$100.00}. I paid all amounts on time and paid the account off on XX/XX/XXXX in the amount of {$260.00}. The credit report shows the account as a Charge off and the it was Reaffirmed in Bankruptcy. The notes are : Payment history guide Charge Off as of XX/XX/XXXX to XX/XX/XXXX 30 days past due as of XX/XX/XXXX Paying debt previously in Bankruptcy on XX/XX/XXXX This account was never included in bankruptcy and wax paid on time and closed. I contact the company and the Customer Service rep agreed that the data was incorrect. They were unable to correct it however.

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 2019-08-31
Company: Eagle Accounts Group, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Eagle Account group is trying to collect the wrong amount this is the wrong price and i don't owe the price that they have listed so since that is inaccurate they need to delete this as possible

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5100.00}, {$2200.00}, {$3900.00}, {$9600.00}, {$4100.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also XXXX C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

3. XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 


-- AUTO ACCOUNTS 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$4100.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: JPMORGAN CHASE & CO.
State: MI
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 a hard inquiry on my credit report from JPMCB CARD SERVICES, XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry is from XX/XX/2018. 

I had nothing to do with this. When I got my taxes back last year ( 2018 ) the IRS sent me a letter saying I have suspicious activity and may be a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Bank never provided copy of the check that bank stated bank sent to me in case # XXXX. 

I need to see the proof of check sent and the proof that check was actually cashed, to see front and back of the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent a ID Theft letter and police report several times to this credit lender and they refuse to remove this debt that was involved in identity theft and are attempting to collect a debt that was involved in identity theft. The credit card was opened in the name XXXX XXXX. I have never used the name XXXX XXXX. My birth name is XXXX XXXX XXXX. I have never resided at the address in XXXX XXXX that is on the credit card application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I can't remember specifics. I just want to make CFPB aware of predatory practices by BoA. Their autopay system does not take into account any payments made prior to statement balance autopay date, and debits your bank account the last statement balance regardless of current balance. Furthermore, there is no option to autopay current balance. This is clearly being done to prey on those not savvy enough to catch on. I'm hoping for their tactics to end, and for their customers to be treated fairly. I've never dealt with a credit card company with such a glaring defect in their autopay system.

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