BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Per the recent Equifax leak, my credit information may have been shared. Requesting a credit report and fraud alert through Equifax has proven to be unsuccessful at this moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
My CD was maturing on XX/XX/2018 I called Goldman sachs on XX/XX/XXXX to not auto renew it. they told me to call back to cancel it.

Firstly of I am telling them to cancel it from auto renew they should not auto renew it.

Now they are asking me 270 days interest penalty when I called them to interest.

they can not auto renew my cd without my instructions. This is just fooling the cuswtomer.

I have wasted so much time with the bank to do this over the phone. Can you please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-07
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I was denied credit at a furniture store and now a mortgage company. What happened is 2 of my reports show XXXX and XXXX with 8 or more open accounts. Experian shows no open accounts although back in XXXX I had open accounts at Experian and they reported my score. So I finally got a representative at Experian it was not easy, he researched the problem and said that when I used the boost my credit product on Experian it some how created another account with XXXX on it and blanked out my credit report. 

This is a huge problem I can't get credit I can't get a mortgage. I am suffering mental distress over this. I called on XX/XX/XXXX for help I was told this would be fixed in 3 to 5 days its still not fixed. I just want them to report my credit score like they do for everyone else. I feel discriminated against by this product.

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 2023-01-12
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed an adverse action that was taken against me based on information in my credit report in the past and you still continue to report it why?

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 603, Subsection ( k ) ( 1 ) ( b ) ( i ), which requires credit reporting agencies to provide notice to consumers when an adverse action is taken based on information in their credit report. 
I am requesting that you investigate and correct the inaccuracies in my credit report. 
The specific items I am disputing are : Accounts 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 explanation
Consumer complaint received 2020-09-07
Company: Phoenix Financial Services LLC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called pheonix financial services to ask over the phone when the debt on my credit report in collections was incurred. I spoke to XXXX. They told me over the phone what it was and I never disputed the charges. Later, I saw a mark on my credit report saying a dispute was opened. I called them back and spoke to XXXX again and told her I was not disputing the charges. She told me when I called to request a letter, they automatically dispute it and told me they sent a letter to the wrong address ( one I have never lived at, so I am unsure of where they got that address ). I never requested a letter. I asked her to review the recorded phone call to see I never asked for a letter. She did, called me back and agreed, I did not ask for one. She spoke to her manager, named XXXX and they said they are unable to remove the dispute. I called multiple times with the same answer. They said it should have automatically fallen off and they don't know why it has not. I never diaputed this collection and they are reporting false information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: EQUIFAX, INC.
State: NJ
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  is reporting the account attached incorrectly. The open date on Equifax and XXXX is XX/XX/2015 and on XXXX  its XX/XX/2015. The past due amount on XXXX  and XXXX  is XXXX and on Equifax its XXXX. On XXXX  and XXXX  it shows 120 days past due and on Equifax it shows 90 days past due. If all of this information is produced from the same place and sent to all three bureaus why is it incorrect? I would like this account deleted from all three bureaus since nothing matches up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I received a phone call from a scammer saying my payment to the XXXX XXXX XXXX had been outed from my Chase bill pay to the wrong address and that i needed to go into chase bill pay and redo the payment in the XXXX bill pay option. I did this.. When I realized that something was wrong I went to bank and called they told me they could do nothing that I had submitted the payment. I talked to 3 different phone recorded calls and went to two branches of chase.. No one would reverse the payment. My phone call was immediately following the transaction and still reads pending but they would not reverse it.I was asked to contact XXXX the bill pay chase uses and they told me beings I did it on my chase bill pay I would have to talk to them. This scammer knew my numbers ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 been a victim of identity theft.

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 2020-07-06
Company: Aspen National Financial, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have no idea who Aspen Collections is or who they represent. Aspen Collections has has engaged in collection activity prior to validating a debt and and has not submitted any documentation to support their claim.

This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Aspen Collection is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I have requested information from Aspen Collections via certified mail Return Receipt XXXX XXXX XXXX XXXX XXXX and the company has yet to respond When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized Aspen Collections as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ Aspen Collections } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to Aspen Collections, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reportin
g negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02
Company: JPMORGAN CHASE & CO.
State: NY
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:
Letter of Dispute In XX/XX/2020 Ive managed to place an order with XXXX ( XXXX ). Unfortunately, due to the inability to test products I had to request a return for a refund for two major reasons doesnt fit and item looks different from online description. Therefore, Ive followed XXXX  Return policy and shipped the items back via USPS Label with a Tracking XXXX and XXXX XXXX  XXXX previously issued and approved by XXXX and the package was successfully returned back to XXXX as of XXXX/XXXX/2020. However, I didnt receive the refund accordingly and had to file a billing dispute with Chase. 
Ive reviewed the documents provided by the merchant and has to rebute the statement saying that they dont have a request in a system for a return for a refund. Below this letter you will find a copy of return request altogether with a copy of the shipping label issued and approved by XXXX for a return to be fully processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Credit Technologies, Inc.
State: TX
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:
Credit Tech hard inquiry on report XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX not authorized

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The data furnisher failed to provide correct and accurate contact information on the consumer credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-18
Company: Experian Information Solutions Inc.
State: AZ
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 been a victim of identity theft.

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 2021-10-04
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Experian credit reporting service has a bankruptcy on my credit report that is not mine. I asked them to look at all my accounts on my credit report and they will see no accounts have been discharged in bankruptcy or late so the bankruptcy can not exist according to the accounts reported on the report. They didnt do this and said it was verified. I have been denied loans due to this and ask you step in to help.

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 2020-05-22
Company: ONEMAIN FINANCE CORPORATION
State: IL
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:
This company did a credit inquire on my credit without my authorization more than twice on the same day this is impacted my credit score. 


Onemain XXXX, IN XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On XX/XX/2022 the first letter was sent to the 3 bureaus asking for an investigation on the following account " XXXX XXXX XXXX '' Account # XXXX in the amount of {$2500.00}. I sent a letter to the collection company asking to please verify this account. No respond was received within the 45 days after the letter was delivered. There was No written notice from any of the Bureaus informing me of the result of the investigation. Recently, I noticed a discrepancy in the balance amount. This amount has increased every month for the past 3 months. I'm requesting assistances with inaccurate information on my credit 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 non-monetary relief
Consumer complaint received 2021-02-02
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
XXXX XXXX owner who opened a new account with square after applying online. Subsequently, I was sent a Square card with a Mastercard logo. Once the card was received and activated I immediately started performing transactions using the card and sending my current customer 's invoices. However, once my customers paid those invoices via Square and the monies went into my account Square placed the funds on hold. I very upset and confused because subsequent communication from Square asked me to send 3 months of bank statements and asked specific questions regarding my marketing material. I just opened a business account with XXXX XXXX but provided my personal bank statements where my customers would XXXX me for my services and products. Lastly, after three days I was told that my customers would have to use alternative payment methods so I basically just provided products and services for free to my clients. I am beyond disappointed and upset. I had to contact some of my clients to ask if they could pay for the products/services again using a different payment method. It was unprofessional and unheard of. Why would my account be approved and the card sent out to go through another round of arbitrary verification rules after money is being sent to the XXXX XXXX? The legitimacy of my business should have been challenged at the application stage. I have been in business for over 10 years and have never experienced a situation like the one Square has presented!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have an entry on my credit file which doesn't belong to me with Equifax for a closed account with an actual payment of {$1600.00}, opened on XX/XX/XXXX being reported by XXXX  XXXX XXXX XXXX XXXX on XX/XX/XXXX ( account number XXXX ). I sent a dispute letter on XX/XX/XXXX challenging the accuracy, compliance and reportability of this entry. I never received any form of correspondence from Equifax or XXXX XXXX XXXX XXXX XXXX addressing my dispute and they failed to provide a resolution for the inaccurate reporting on my credit file. I sent a follow up letter on XX/XX/XXXX informing them that Equifax and XXXX  XXXX XXXX XXXX XXXX has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2021-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Credit Bureau is reporting inaccurate information after i have requested them to validate these alleged accounts that I did nonauthorized nor does these accounts belong 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 2017-08-11
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I 've been calling every few months to get a timetable of when the cutoff is before I get charged all the back due interest on my BARCLAYS XXXX  CREDIT CARD. They push you to go paperless and auto pay so you do n't see your bill, and then they do n't inform you that you 're about to be charged all the back due interest. I missed the day by 4 days from just randomly calling them and they charged me almost 300 in back due interest. It 's a scam to do everything to get people to not look at their bill and then not inform them that the interest date is coming up.

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 2022-10-05
Company: ProCollect, 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:
I contacted the collections procolect on my account. They said to get a police report and copy o My ID. I did that. I sent the the report number with my ID The colelction account is in Texas. I never have lived there. I have lived in XXXX and XXXX  only. I told them this. The charge is {$340.00} but it is not mine! I have very good credit paying my bills. This is llowering my credit score and needs to be removed. 


XXXX and XXXX I emailed my police report from XXXX XXXX Sheriff n Fl and my ID to dispute a fraud charge on my credit as collections. I have a police report number- XXXX for fraud on XXXXXXXX XXXX in Texas. I have never lived in Texas. I lived in XXXX for 42 years and XXXX  5. Please let me know you got this.

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 2021-02-02
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:
Date Breach information compromised. Don't recognize 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 2020-07-18
Company: DLC, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This account is a loan from XXXX of XXXX. I guess I never made a payment, and then it went to collections with XXXX XXXX XXXX in XX/XX/XXXX. I have disputed this multiple times with the credit agencies, but the information keeps coming back accurate. They claim the first date of delinquency is XX/XX/XXXX, but it is actually XXXX or XX/XX/XXXX. Making this debt too old to be on my credit report. I have the documentation they gave me, and they also spoke to me on a recorded line stating I never made a payment.

Company response to consumer: Closed with explanation