BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-07
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: Their investigation did not fix an error on your report

Complaint:
My last dispute I filed no changes were made to my credit file and according to 15 USC 1681i ( 5 ) all inaccurate files my be deleted.

I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is Experian did not modify or removed any of the inaccurate files.

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit report. The XXXX XXXX  hut appears on my report twice. One file says XXXX XXXX XXXX  and the other file says XXXX XXXX XXXX XXXX The files have different dates, different amounts and different status. 
Which is a violation. This is impacting me from moving forward to buying a house for my family. 
I attach my new credit report to show how Experian violated my rights and pointed out all the inconsistent information.

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 2020-09-13
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
New Discovery. It appears that in XX/XX/XXXX a payoff amount was {$71000.00} on loan number XXXX and loan type Conventional. I am very concerned how is this is my payoff amount? And how did they arrive at that payoff amount balance? This is the same balance that is on that fraudulent XX/XX/XXXX XXXX loan modification document. The only rational that I see is that the {$21000.00} is missing funds that was not applied to the Round Point Mortgage loan account XXXX on XX/XX/XXXX. When you add the {$21000.00} New money to the existing mortgage balance the total comes out to {$71000.00} to be exact .what they did is took the missing funds of {$21000.00} that was not applied to my loan mortgage account on XX/XX/XXXX and invested in a money first account to make profit. I can remember I was inquiring about the loan amount and why it was a Conventional loan which I never got an answer to those questions. Then in XXXX I was con to signed 2 documents for the same amount of funds that has been missing since XX/XX/XXXX but I had no knowledge that all this was going on.That new money of {$21000.00} please investigate exactly where was those funds was applied to? On the loan modification its states investor loan No :  XXXX did the missing funds applied thereXXXX XXXX XXXX XXXX has the loan modification documents that was transferred from Round Point Mortgage to XXXX XXXX XXXX on XX/XX/XXXX stating the same. Attached exhibits A B C

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: EQUIFAX, INC.
State: NC
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Applied for a credit card and was denied XXXX  months after bankruptcy finalized. Negative reports still on credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: ARS National Services, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We opened an XXXX XXXX credit card through XXXX XXXX in order to purchase a couch for {$1000.00} as the promotion at that time would save us roughly {$200.00} for taking the card. We bought the couch, paid the amount in full with one payment, and immediately canceled the card. The account number ends in XXXX and you can verify there will be no further history of purchases. 

Last year I received a letter from XXXX XXXX XXXX stating I owed some money but the letterhead did not appear to match the company logos correctly, nor did the phone number on the letter match any information I had for XXXX XXXX credit. I called my numbers for XXXX XXXX credit, they said I had nothing open with them, and that the letter was spam. I called my phone number for XXXX for their credit department just to be sure, they told me that I had no open account with an outstanding balance in the letter was spam. 

Yesterday in the mail I received a letter stating I have been sent to collections. The amount being collected was {$350.00}. I will attach a photo of this letter. Because it says XXXX XXXX I called my local branch manager XXXX, told her that on the letter there was an account number ending in XXXX, she looked that up and confirmed an amount for {$350.00} being owed. She later explained these charges to be a {$35.00} a month fee for owning the credit card, plus late fees, and plus interest. She says there is no evidence of our request to cancel the card which we made immediately after sending the one time for payment to cover the couch. 

I look forward to your correspondence and will answer any questions you have. Thank you for your help and your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
MY USAA ACCOUNT WAS CLOSED ON XXXX, XXXX 2020. 

MY FUNDS IN THE ACCOUNT AT THE TIME WERE CLOSE TO {$2000.00} I HAD AN INCOMING DEPOSIT ENTER THAT SAID ''CLOSED '' ACCOUNT ON THE XXXX OF THAT MONTH/END OF XXXX IN THE AMOUNT OF {$3500.00} ... THEY ARE THEY ARE REFUSING TO REISSUE THE FUNDS BACK TO ME VIA CHECK ... 

USAA STATES THAT THIS PROCESS COULD TAKE SEVERAL MONTHS ... 

PLEASE HELP AS AM DUE BACK A LARGE AMOUNT OF MONEY THAT MY FAMILY AND I DESPERATELY NEED RIGHT NOW AS USAA ENJOYS THESE DIVIDENDS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I earned {$10.00} reward at JCP store toward future purchase. Expiration date of reward XX/XX/20 On XX/XX/20 I made purchase at same store. They refused to honor reward. In response to my complaint JCP advised the store was only honoring rewards up to XX/XX/20 hence no adjustment. 

Such terms were not stated yet enforced when questioned. Clear deception. 

I would like this matter pursued to stop such unethical behavior. 
' I will attach documents if this system allows. 
Thank You 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 monetary relief
Consumer complaint received 2020-09-13
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Information belongs to someone else

Complaint:
On XX/XX/2019, Portfolio Recovery add a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/ sold and I am no longer responsible for this account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Portfolio Recovery has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: EQUIFAX, INC.
State: IL
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 have a credit card with XXXX  XXXX  XXXX XXXX  I fell behind in XXXX of XX/XX/2020account balance was at XXXX $ in XXXX I cleared the balance and paid it off card is current and being paid on time from XXXX of XX/XX/2020till currently. In XXXX of XX/XX/2020I lost my card I reported they sent me a new card which was still at a XXXX $ balance. Equifax is saying I have 2 accounts 1 is at a XXXX $ balance and 1 at XXXX $ the card at XXXX doesn't exist they said it was updated last in XXXX and that the 2 times I have disputed it. Thats the information they are receiving even after they told me last update was in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: Stern Recovery Services, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have closely been monitoring my credit reports. My credit reports have two debt amounts of {$720.00} and {$1200.00} from Stern Recovery Services whom they have stated I owe Stern Recovery Services. After speaking with a representative from Stern Recovery Services asking repeatedly to send me documentation of this account, services date, signed and verifiable signature of a contract with Stern Recovery Services, absolutely nothing has been sent to me. I have repeatedly sent letters to the Stern Recovery Services asking them to remove inaccurate accounts that they are reporting on my credit reports, up to last month XX/XX/2020. I am aware the FCRA promotes accuracy and fairness in the files of consumer reporting. I have no affiliation with Stern Recovery Services and neither have I used their services for them to say that I owe them money., I have no file, no account with a verifiable contract with a legal signature, nor are there any documents this company-Stern Recovery Services can furnish to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-03-17
Company: Experian Information Solutions Inc.
State: GA
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 XXXXXX/XX/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 2020-09-13
Company: ACS Education Services
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Conduent was my previous student loan servicer. My student loan was sold or transferred to XXXX XXXX XXXX XXXX in XX/XX/XXXX. I have no hard copy or digital records of the original loan or transfer over to the new service provider. I do not have any info about the repayment terms and schedule. No data transparency or disclosure is available. XXXX insists the former Conduent service provider sent the loan paperwork. I did not receive a hardcopy or digital copy. XXXX will not provide a copy of my loan paperwork or the full repayment schedule. They insist all that information was sent to be by XXXX and they do not have any obligation to provide this information since they did not originate the loan. My payment schedule is graduated and I don't have information regarding the graduated schedule. I was shocked by the increase in my expected XXXX student payment and had no warning of the pending increase. XXXX will not provide the full repayment schedule to me except for XXXX, XXXX and XX/XX/XXXX. I can not compare the repayment schedule for XXXX to XX/XX/XXXX to the original Conduent loan information because I never received the info. I do not have information to determine the accuracy of my loan balance, previous payments, pending interest or principal. I have no means to perform an accounting reconciliation of my loan account without the Conduent loan documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: CITIBANK, N.A.
State: MO
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: Card was charged for something you did not purchase with the card

Complaint:
XXXX charged the card on XX/XX/12. I disputed the charged and was refunded by Citi. On XX/XX/12 and XX/XX/12 I was charged again. I do not have a XXXX XXXX account. I tried to dispute the XX/XX/12 and XX/XX/12 charge and was told by Citi since I was charged more than one month that I couldnt dispute the charge.

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 2022-01-10
Company: MIDFIRST BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened a new account last year with the promotion to earn {$250.00} after depositing {$2000.00}. Opened the account and never received the opening promotion.

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 2020-08-02
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 believe I have been targeted by identity theft and Equifax and XXXX  both are being deliberately uncooperative. Thankfully XXXX  still follows standard procedures. I have reported numerous inquiries as fraudulent to Equifax, and also a medical issue showing a collections on my report. I have called the medical company and there is a XXXX balance. I owe no money to this institution. I believe years ago there was something I disputed with this institution because they had tried to send me a bill they couldn't even make clear to me what it was for. It made no sense to me and I had believed it was some kind of error on their end. I never received the bill until the collections agent got in touch with me. It was only {$50.00} so I paid the collections because I was receiving harsh threats from them and the amount had to be paid " or else they would put it on my credit report ''. It seems they decided to do it anyway after payment. Equifax responded to my first letter, ignoring completely this vague medical issue that doesn't even have a balance, and refused to investigate the inquiries. They responded the day they received my letter a month ago, " stating all on my report was factual. '' My 2nd letter was responded to more slowly and they replied that " there are no files on my report with the credentials I provided ''. They address their response to " XXXX XXXX '' instead of " XXXX '' as they had done the first time. I provided proof of my identity and again explained the issue with the fraudulent inquiries. This letter and the rest have been completely ignored. When I call them they say " we do not investigate inquiries. It is not our responsibility. You have to file a police report for such things. '' Naturally, I attempted to file a police report and the police confirmed it is their responsibility to handle such issues. I know for a fact my inquiries were not investigated as there are inquiries on my report from companies that no longer exist ( XXXX XXXX for example ). Had they done their investigation they would have discovered that the creditors can not provide proof of any document that I authorized a credit pull. 
XXXX has simply ignored all letters that I have sent to them over the past 5 weeks or so and they have no intention of doing so. They also claim it is not their responsibility to investigate identity theft or fraudulent inquiries, and that I have to deal with it through the police. Both of these companies have had ample time to respond and refuse to answer, and by law, are required to remove these harmful and inaccurate records from my report. I am being personally harmed by this as I need to apply for a loan and I can't, because of these excessive inquiries. I will soon be forced to take legal action if they continue to violate my rights under the fair reporting act. Please assist

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I was trying to sell an antique set of china. I got a buyer who sent me a certified check. Before I continued or did anything with the buyer I went to Chase bank to make sure that the deposited check cleared and there was no way that the check could be reversed. I was assured while I was at the bank that the check cleared and everything was good with the transaction. So I moved forward with the buyer who then decided he did n't want the china. I had a XXXX created and gave him his money back. The very next day Chase informed me that my account was overdrawn ( never happened to me before ) and that the check was fraudulent. 

I then immediately called the bank to see what was going on and to figure out what to do. They explained to me that there was nothing that could be done and it was fraud. I asked them to explain to me the reason they could n't help me especially since there was a bank error involved in the transaction. They said there was simply nothing they could do for a good customer. If there really is nothing they can do then I will move all of my accounts to a different bank who values their customer as well as, and more importantly, tells their customers correct information. I am very disappointed in Chase Bank. Do not bank at Chase they do not value you or your business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: Experian Information Solutions Inc.
State: NC
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:
On Wednesday XXXX XXXX, XXXX at XXXX I called Experian and spoke to a U.S. representative regarding my credit file. I told the U.S. representative that my name was incorrectly spelled and it was showing that my name was spelled as XXXX XXXX and he completely ignore my request and rush me off of the phone when my name is clearly spelled XXXX XXXX. When I called back and spoke to a different representative I want a re-investigation of the items I had disputed accounts including XXXX XXXX XXXX XXXX XXXX XXXX. I clearly stated to the representative that they have failed to provide me with a copy of any viable evidence submitted by these two accounts and to be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within the 15 days of the completion of the re-investigation. I also stated that they please provide the name, address, and telephone number of each person that contacted these companies in regarding this alleged account. I requested a copy of any documentation provided these accounts with my signature, showing that I have a legally binding contractual obligation to pay them the amount claim. I also stated that an employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. The U.S. representative however did not care to fix the problem and hung up on me when I was still talking to him which was very rude and disrespectful.

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 2023-04-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing today concerning the following incorrect information on my file, which is a closed XXXX XXXX XXXX, this was opened on XXXX XXXX and was closed in the amount of {$3100.00} and a collection by XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX in the amount of {$740.00} which was opened on XXXX XXXX. I am an unfortunate victim of identity theft due to the fact that i had no knowledge or participation in the opening and closing of these accounts, as a result, i went to identitytheft.gov as soon as i was aware, which was of XX/XX/2023, to report these incorrect reports that adversely affect my public confidence.

Company response to consumer: Closed with explanation