BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-11
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: Investigation took more than 30 days

Complaint:
We submitted an investigation request to the credit bureaus on XX/XX/XXXX. Over thirty days have past, but Equifax and XXXX have not responded yet. I am attaching a copy of the request we sent on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: Altitude Community Law P.C.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Altitude Law, XXXX XXXX constant harassment regarding alleged debt not owned. XXXX XXXX represents XXXX XXXX XXXX which has failed to provide proof of payment Misc Expenses on behalf of XXXX XXXX. XXXX XXXX XXXX is billing for XXXX XXXX reserve with no account for the reserve account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have opened an account just one week at the HSBC bank, I sold a vehicle and deposited the amount in the new account, 3 hours after receiving the amount they simply canceled the account, did not explain a reason and simply did not give me any dates about the return of my money. I was counting on the amount to pay my debts and now I was in a horrible situation. 
I have calling for branch, the customer service and anyone give me any info about.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Good morning & happy Saturday! - How are you doing? I was shocked today when I reviewed my credit report today and found late payment remarks for my 10-15 student loan for XXXX. I've already disputed these accounts and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate - These accounts are illegally reporting on my credit report or profile. For example, hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly by cfpb before. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

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 2021-08-19
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was recently contacted by IC Systems regarding an outstanding utility bill from XXXX that I am not responsible for. I have never had XXXX services in my name. How this was addressed is because I am currently resolving an issue with IC Systems for an electric bill. I am not for certain but my guess is this is a case of fraudulent activity. The amount that was community me that I supposedly owe is {$850.00}.

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 2021-08-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have tried several different telephone numbers to call them and ALL have failed to connect me or tell me how to proceed. Their web site is " not available '' when I try to connect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I AM SICK OF XXXX XXXX, THIS COMPANY ALLOWED XXXX REPORT THE SAME ACCOUNT TWICE RUINING MY CREDIT PROFILE, THEY ALSO REFUSE TO INVESTIGATE XXXX XXXX WHICH IS REPORTING ON MY CREDIT PROFILE WHO I DON'T OWE A DEBT TO.I ASKED THEM EXPLAINED TO THEM THE ACCOUNT WASN'T MINE AND THEY SENT BACK VERIFIED I ASKED THE METHOD OF VERIFICATION BECAUSE ITS IMPOSSIBLE FOR THEM TO VERIFY I ACCOUNT I NEVER HAD THEY IGNORED ME, ITS BEEN OVER 30 DAYS I SENT THE LETTER VIA CERTIFIED MAIL SO I KNOW XXXX XXXX RECEIVED THE LETTER .SOMETHING REALLY NEEDS TO BE DONE ABOUT THIS, HOW CAN THEY LET THE SAME ACCOUNT THAT IS NOT MINE REPORT TWICE THE SAME ACCOUNT NUMBER, SAME ACCOUNT DATE AND EVERYTHING & NOT EVEN CARE TO FIX IT.I WILL CONTACT THE NEWS STATION, MY STATE ATTORNEY GENERAL & EVERYONE I CAN BECAUSE THESE BUREAUS ARE BEING PAID BY COMPANIES TO REPORT & THE BUREAUS THEY DON'T CARE IF THE COMPANY IS REPORTING ACCURATE INFORMATION ALL THEY CARE ABOUT IS THE MONEY THEY ARE MAKING ..THEY DON'T CARE IF THE ITEMS IS TRUE AND ACCURATE SOMETHING HAS TO BE DONE ABOUT THIS THE CREDIT BUREAUS NEED TO STOP THIS IS AGAINST THE LAW, EQUIFAX & XXXX WOULDN'T INVESTIGATE THE ACCOUNT WITH XXXX XXXX I DONT OWE THAT DEBT, NONE OF THE COMPANIES WILL INVESTIGATE THIS ACCOUNT WITH XXXX XXXX I REPEAT I NEVER HAD A CONTRACT WITH THEM & I NEVER HAD AN ACCOUNT WITH THE ORIGINAL CREDITOR

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Experian Information Solutions Inc.
State: MO
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:
I disputed a inaccurate bankruptcy on my credit report that isn't mine with the credit bureaus. It was removed XX/XX/2018, then reinserted without notice which is required by the FCRA and notice has to be given by the credit bureaus in writing 5 business days after reinsert. I received nothing from this company. This is a clear violation of the FDCPA legally. I have a right to a fair & accurate credit report. I have also contacted the bankruptcy courts by mail & email & provided copies to this company. I have also been told they don't verify with credit bureaus so they can't provide me any information. I am demanding this deleted immediately for this is ruining my credit & doesn't 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 2021-08-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Received statement XX/XX/XXXX to XX/XX/XXXX for the amount of {$4800.00} from fifth third bank. Never open a account with them account was open in XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX fl XXXX. I believe this person has stolen my identity

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-05
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:
Ive had quite a bit of identity theft over the past couple years and I finally got most of it resolved with a lady who worked at Experian named XXXX subsequent to that in XXXX of last year I had a XXXX  XXXX  I was in the hospital for quite some time and yet again someone went after my credit insert opening accounts. Theyve managed to put my phone numbers out open accounts change addresses its been a huge mess I finally got everything resolved on my report with Experian except for one account. It showing that there is another car that was purchased while I was in the hospital having recovery time for my XXXX  XXXX. After the XXXX  I moved to XXXX  from XXXX  and have been living down here even before the car was bought because I needed to get XXXX XXXX. I sent all supporting documents Ive contacted the company I reached out to multiple times and there is a car that I couldve never gotten on the report. I wouldnt have mind giving them my XXXX  phone number the hospitals phone number and I dont know what to do anymore he verifying it is correct. At this point Im getting denied an apartment to do this and in accurate information that will not come off Even with the police  report in the freight ID kit Experian refuses to block or remove this 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 2018-10-11
Company: JPMORGAN CHASE & CO.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I logged into my Chase bank Account using my well known computer, verifying my account access using a text message Chase sent to my phone. Then using the same known MAC address computer, I set up a wire transfer from MY Chase savings account to MY XXXX checking account, and again verified this transaction with a text message from Chase. 

Chase then locked me out of my account. 
I was told I had to physically go into a branch. 

I had a XXXX XXXX but went in, and took precautions hoping to not transmit my cold. 
At the XXXX XXXX branch, XXXX closed my 1 account ( Savings ) and I left. He had viewed my license and a credit card and verified my identity. My checking account is still closed however, and I am told by the central located agent I have to go into a branch again. I called the XXXX XXXX. Branch and XXXX said he had tried to call me and the number went to voice mail. I have no voice mails, nor do I have any record of his branch phone number. I am still sick, and now must go to another branch potentially infecting people. I am not used to a Bank lying and blocking access to my own money. 
Being a small entity, I have no recourse except you and my social network. I am adding my name if there is a list of patrons with similar complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
An international buyer from the XXXX purchased a XXXX XXXX XXXX. The buyer requested an invoice which I sent. The buyer paid for regular international postage and no insurance. The buyer transferred the funds via Paypal. The buyer and I were in regular communication since I had never sent a package internationally to a buyer. When the large flat envelope was ready to be shipped, the Paypal account included mail service. The buyer did not pay for insured mail. The buyer then filed a complaint with Paypal. So, I sent the item to him via regular mail per the invoice. On XX/XX/XXXX, I mailed the envelope. Paypal refunded the buyer the money. Paypal claimed they had no verification I sent him the package. I did. But the buyer did not pay for insurance. The invoice states the parcel will be sent via regular international mail. Protection is not mentioned. The buyer received the invoice before transmitting the funds and voiced no objections. Mailing costs were a concern to him. 

But the buyer did not pay sufficient postage for tracking and the invoice clearly states, the package would be sent uninsured via regular international mail which it was sent. In fact, a complaint was filed with the USPS when I purchased the stamps since the postal worker was nasty. Everything is paper trained. 

Paypal refunded the buyer his money, while still charging me a fee and I received no funds despite sending the package to the XXXX. Paypal is participating in theft and fraud and a scam by the buyer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-05
Company: Jim Bottin Enterprises, Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Due to XXXX  and my XXXX  illness, my membership with XXXX XXXX was frozen until XX/XX/2021 and the finance company, XXXX XXXX XXXX, XXXX, seeking to collect payment is the entity that confirmed via email on XX/XX/2021 that the membership was frozen and no money due or to be collected until it becomes re-activated. Emails annexed. 

Nonetheless, i continue to receive robo-phone calls at least 2-3 times per week. I have tried to call them, to no avail. I have sent emails, with the email confirmation. No success. They are threatening legal action and to ruin my credit history, which is currently excellent. 

This is not the first time that they did this. They were trying to collect membership dues while the club was mandated closed by NYS. See, letter attached. In order to keep peace, I paid them nonetheless. I paid them for XXXX through XXXX, even though the club did not open for the entire month and no way to give them 30 days notice. 

In addition, they wanted XXXX XXXX, XXXX and XXXX, although I had already spoken to the club and given them a note from my doctor. 

I have additional emails, letters and documents that can be forwarded. I was not able to attach any additional documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO
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:
Hi, I appreciate XXXX and your hard work but you are incorrect on your last response on my home loan. This is very simple the lender I had was Penny Mac I'm not disputing that ok. What I'm disputing is the loan balance it's been paid in full. I sold the house! Sighned the closing on XX/XX/2018. I want the balance to be shown as a XXXX balance on my report and XXXX debt under where it says realastate debt. Since a buyer has already bought the house. XXXX XXXX XXXX XXXX  is the company that closed the house. XXXX is the number to XXXX XXXX XXXX XXXX. I have uploaded and by mail sent proof house was sold and closed to XXXX already. But XXXX  has failed to get the correct response on my report. I want a zero balance showing on my report under Penny Mac. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: CITIBANK, N.A.
State: CT
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:
REF. XXXX  Card Number XXXX Dear Sir or Madam : In early XX/XX/XXXX, I reached out to XXXX XXXX XXXX by phone to address some mistakes/concerns in my credit report. 

The report showed 3 late payments : XX/XX/2015 30 days XX/XX/2015 60 days XX/XX/2015 30 days The responsibility for these late payments are entirely on XXXX XXXX XXXX. 

At that time, I paid my XXXX bill on line through their website. In XX/XX/2015 the XXXX website managed by XXXX XXXX XXXX locked me out and prevented me from paying my bill. I could login, see my bill but could take no action. 

I made constant and repeatedly frustrating attempts to speak to their customer service department and resolve the issues and pay my bill, all without success. 
It wasn't until a customer services rep called me to ask about payment that I was able to get the situation resolved, at this point the bill was 60 days late. 

The bill was immediately paid, I was driving at the time and pulled of the highway to deal with the call, the rep got my web account fixed AND we set up an automatic reoccurring minimum payment to prevent any future late payments. 

Unfortunately, the automatic reoccurring minimum payment only worked for 2 months and then failed. I received another call from a customer service rep after the XX/XX/2015 payment went late, which I was unaware of, after all it had worked for the previous 2 months. 

I immediately paid the outstanding bill, and the Customer service rep found the account notes and fixed automatic reoccurring minimum payment issue. There has not been a late payment since then.

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 2020-09-16
Company: Home Point Financial Corporation
State: WI
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 XX/XX/2020 I called Home Point Financial 's office in regards to options for people who had experienced hardship due to XXXX. There was an automated message and prompts to apply for a forbearance. After following the prompts and completing my request for forbearance I was advised that there was no further action needed and that I would be receiving paperwork in the mail. The information given through the prompts put me under the impression that the forbearance would go into place effective immediately meaning XXXX. I never received the requested forbearance information in the mail. I was very surprised when a late payment was reported to credit and our credit scores plummeted XXXX points. Again the call tree message did not state that a forbearance did not start until XXXX. Once I saw that my XXXX XXXX dropped I immediately called on XX/XX/XXXX, made the XXXX payment and inquired on how I could get this late payment off of my credit report. The person I spoke to had no record of me calling on XX/XX/XXXX. 

I sent an email to request this be taken off of my credit report on XX/XX/XXXX to XXXX and followed up with more emails and phone calls. I got a response on XX/XX/XXXX stating " You say you inquired about going on a Forbearance on XX/XX/2020 through our automated system and you assumed the payment for XXXX would take into effect. It was the near the last of the month and unfortunately it could not include the month of XXXX because it was the end of the month. You will need to open contact the XXXX credit bureaus, they will then do an investigation regarding this issue and will contact you with their results. We are sorry for any misunderstanding this may have caused you. '' I disputed this with the credit agencies and it has not been removed. I had not had any late payments with this mortgage for 2 years prior. Based upon that fact the phone prompts were misleading this negative report should be removed from my credit report because it is Home Point Financial 's responsibility to provide correct information so that customers can correspondingly make correct decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: Total Card, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
As I was doing a annual credit check going over my credit history to make sure that all information was accurate on my credit file I came up on a couple accounts that I did not recognize I proceeded to contact these companies however, they sent me fraud packets on several occasions that I needed to fill out and notarized I did so and paid my {$10.00} dollars only for them to keep asking me to send more info and notarized more papers yet not doing anything about the account but make me spend money .... My request is that they send me the proper verifiable documentation for these accounts so that I may review it, they have refused and the credit bureaus are verify the information as correct even tho this creditors cant provide me any documentation that I requested .... please contact them and either have them remove these account or forward me proper documentation that proves the account belongs to me not invoices but actual consumer original contract that I signed ... 

1.XXXX XXXX XXXX/ total card .... credit card Acct # :XXXX DATE OPENED XX/XX/2016 Credit limit : {$300.00} Address : XXXX XXXX XXXX XXXX, SD XXXX  XXXX Note : they have been the root of most of my issues 2. XXXX XXXX XXXX ... credit card Acct # :XXXX Credit limit {$500.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX , DE XXXX XXXX Note : disputed and ask they provide me proof they verified to the bureaus and sent me nothing :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: AMERICAN EXPRESS COMPANY
State: MD
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:
On XX/XX/2021 I applied for an Hilton Honors American Express credit card ( reference number XXXX ). I completed the application in its entirety, and I honestly answered each question, including the income disclosure question. 

The income disclosure question states that if the applicant is over the age of 21, he should include all income accessible to him. To be certain I included the right number, I contacted American Express New Accounts and asked a representative what this means. I was told it is money that is typically deposited into a joint bank account or spousal income if it is used to pay expenses. As such, I stated my income to be {$120000.00} per year. 

A week after completing the application, I received a letter from American Express stating that in order to complete the processing of my application, my income needed to be verified. To this end, I was asked to sign and return the enclosed IRS Form 4506-C. A day after receiving this letter, I submitted the signed form. In addition, I submitted bank statements to confirm that my husbands income and mine combine to equal the amount I stated on the application. 

When I contacted American Express to inquire on the status of my application, I was told it was denied because the income I stated on the application was not consistent with what was revealed on my IRS transcript. 

I am perplexed as to why my application would be denied simply because I followed American Expresss own directions when disclosing my income.

Company response to consumer: Closed with non-monetary relief