BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-02
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is my name my social security number is XXXX XX/XX/78 my complaint is that XXXX XXXX credit didnt removed the account s with dept of ed XXXX theirs a total of 14 acconts all accounts are fraud account number XXXX along with several other accounts please have XXXX XXXX removed these accounts from my credit report its affecting me. All negative accounts are fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: The Moore Law Group
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed a debt that was satisfied in XXXX. In XXXX, I received a letter from The Moore Law Group that they were going to garnish my wages for this debt. I had my credit report showing that the debt had been satisfied, but XXXX of their representatives by the name of XXXX, said that there was no proof. He argued with me and was XXXX of the rudest men I have ever encountered, not professional at all. I agreed to pay them XXXX  just to have them stop harassing me. I did not know my legal rights and I just wanted them to leave me alone. I did not receive any other paperwork from them until XXXX weeks ago when I received a letter of wage garnishment from my employer. The wage garnishment was for XXXX}. The original amount they had claimed I had owed was only XXXX. I called The Moore Law Group and spoke with XXXX of their representatives, XXXX at extension XXXX. He told me that he would put in a dispute with the original company, XXXX. At that time, he told me not to worry about the wage garnishment. On XXXX XXXX, my check was garnished. I called that day and tried to reach the original person I had spoken with. I was unable to speak with him. I proceeded to remain on hold and asked to speak to a XXXX or supervisor. I was then connected to a XXXX XXXX at extension XXXX. I told him about my previous conversation. He told me the wage garnishment was still in effect, the original company had not responded and when I asked for my file information to be sent to me, he stated he would not tell me any information unless I reascended my dispute. When I told him I would n't because I did n't owe the money and they had no proof, he became silent and would not respond to me. I have never been treated so poorly by anyone and that is a large sum of money to owe from a XXXX year old debt that is beyond the statute of limitations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: SUNTRUST BANKS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Charge approximately % 2500- {$3000.00} per month on SunTrust XXXX . Typically pay in full and avoid interest advertised at 16 %. Left {$300.00} unpaid first of XXXX. XXXX statement included {$12.00} interest charge due solely to my leaving a {$300.00} balance the previous month. That is 51 % interest.

I am aware that Supreme Court decisions have rendered state usury laws unenforceable. Burying a 51 % rate in indecipherable small print is no justification for robbing consumers 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 2022-04-04
Company: Experian Information Solutions Inc.
State: OK
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 XXXX, XXXX I submitted an account dispute about XXXX XXXX beginning with XXXX with Experian. Report number XXXX. My dispute was about the payment history not matching the actual account by 5 months. Instead of seeking out the current payment history from the lender, the account was deleted from my report. I find this to be highly unprofessional, and uncalled for.

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 2022-08-12
Company: Klarna AB
State: SD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I am not past due and have paid in-full on-time every month. My employer is changing our pay schedule which means I will not have the money in my account when the payment is due on the XXXX. I am trying to be proactive and have contacted Klarna to request a payment due date change in order to continue to pay my loan in-full and on-time. I am being told they will not due this. Rather, they will continue to pull the payment on the XXXX when I will have no money resulting in either an NSF fee from my bank, or a missed/late payment to them which will cause a late fee and possible negative reporting to the credit bureaus. I have perfect credit. I have never missed a payment, never not paid a payment in full, never had a collection, or judgement. I want to keep it this way, which is why I contacted Klarna on XX/XX/2022 to request a payment due date change which sufficient time before my pay schedule changed at the end of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 disputing the following accounts, 1 ) XXXX  XXXX {$710.00}, 2 ) XXXX XXXX XXXX {$180.00} 3 ) XXXX XXXX XXXX {$450.00}, Due to my identity being lost, compromised and stolen. These accounts do not belong to me therefore I'm demanding that the credit reporting agencies Stop reporting such fraudulent accounts and block such accounts immediately. Or show just cause by providing me with certified physical documentation that shows otherwise. And as a general rule of law electronic Verification can not and should not be accepted as proof of any sort. Your cooperation is appreciated.

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 2022-10-04
Company: Experian Information Solutions Inc.
State: DE
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:
ALL XXXX AND XXXX XXXX ACCOUNTS ARE FRUAD AND NEED TO BE DELETED IMMEDIATELY THANK YOU FOR YOU HELP ACCOUNTS : XXXX XXXX XXXX ACCOUNTS : ALL 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 2019-07-02
Company: PNC Bank N.A.
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: Account information incorrect

Complaint:
I made a settlement agreement with PNC BANK to pay what I still owed for my car loan, They agreed a settlement payment of {$4000.00} dollars, I paid the whole amount, they sent me the settlement letter and when I paid they also sent me the letter of XXXX dollar balance,, but in the 3 bureaus the account is still open and with a balance of {$2300.00}, they reported my payment of {$4000.00} dollars like a regular payment and not like a settlement, so the account is on my credit report with a balance when it have to be with XXXX   balance and closed.I called them and they told me that Im the one who has to make the diligence to update my credit, that they do not have to report it to the credit bureaus, later they reported the payment like a regular payment and not like a settlement I called them again and they told me to make a claim in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: EQUIFAX, INC.
State: VA
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 disputing the following accounts, 1 ) XXXX XXXX {$710.00}, 2 )  XXXX XXXX XXXX {$180.00} 3 ) XXXX XXXX XXXX {$450.00}, Due to my identity being lost, compromised and stolen. These accounts do not belong to me therefore I'm demanding that the credit reporting agencies Stop reporting such fraudulent accounts and block such accounts immediately. Or show just cause by providing me with certified physical documentation that shows otherwise. And as a general rule of law electronic Verification can not and should not be accepted as proof of any sort. Your cooperation is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I wrote a letter to Equifax on XX/XX/2022 stating that they have inaccurate information on my credit report, wrong addresses and inaccurate employers and it has been longer than sixty days and I have not received any updated information from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: AMERICAN EXPRESS COMPANY
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:
I 've filed multiple requests for incorrect data from American Express on my XXXX credit report to be corrected or DELETED. This data is for the two American Express Account # 's as listed on the attached copies of my credit reports. These two accounts were both PAID IN FULL on XXXX XXXX XXXX and confirmed by the attorney representing American Express ( see  attached letter from attorney, dated XXXX XXXX, XXXX ). It 's been well over 80 days since I filed my recent complaint on XXXX XXXX, XXXX and the data has still not be corrected on my report. Over the last several months American Express has posted multiple incorrect dates the most damaging being on one of the accounts with the date of XXXX XXXX as the last pay date and last date of " in collection status '' and the other account with a XXXX XXXX date. As a result these incorrect entries have damaged my credit score and ability to secure a refinance on my mortgage. I 'm requesting both accounts be DELETED based on the FCRA rules and time limitations on correcting errors on Credit Reports. Again ... These two accounts were paid in full on XXXX XXXX, XXXX and confirmed by their attorney, via the attached letter!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
on XXXX/XXXX/XXXX I submitted a request to Experian to have some personal info updated on my credit report. On XXXX/XXXX/XXXX I received a response that the info was updated and they included a new copy of my credit report which had a long list of inaccurate addresses and other personal information. On XXXX/XXXX/XXXX I sent them another letter asking them to remove all the inaccurate addresses. The only address that should be on my report is the XXXX on my driver 's license. Today, I checked my credit report and noticed that NOTHING was updated - even from the first letter. I DO N'T UNDERSTAND HOW THEY CAN LIE AND SAY THAT THEY UPDATED MY INFO AND NEVER DID. THIS IS COMPLETELY UNACCEPTABLE!!!!

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 2019-04-01
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:
I submitted an investigation request to Equifax and XXXX XXXX on XX/XX/XXXX. They were supposed to respond with the results of my credit investigations within 30 days but they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: EQUIFAX, 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 am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since I continue to submit documentation and I have had no response The fraudulent accounts is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: Diversified Adjustment Service, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In the middle of XXXX, my Social Security number was stolen, but I already reported to the three credit bureaus and Federal Trade Commission. On XX/XX/XXXX, I found that {$1000.00} had been withdrawn from my Chase Bank checking accountbut this is not done by me or anyone I know. I saw the withdrawal record on the Chase app. Someone pretended to be me and withdrew the money directly at the bank counter with the withdrawal slip.This withdrawal slip has my name, account number, and full Social Security number. I don't believe you can withdraw money just by using this information. So I immediately contacted Chase Bank fraud department, but both calls were hung up without being properly handled, and one of the representative was very unprofessional and irresponsible. She thought it was a check not a withdrawal, then she directly transfered to the checking department. However, they told me it happened in college point branch ( New York ). 

On XX/XX/XXXX, I went to this branch to inquire about this matter.The banker helped me close the stolen account, then opened a new one and told me the stolen money would be returned in 4-5 business days.Then I asked him, why was this stranger able to withdraw money using only my Social Security number? Doesn't the teller need to verify photo ID and signature? The banker only apologized, but did not give me a satisfactory answer. I said that I needed relevant materials to report to the police, but the banker did not give me what the police needed, only give me an irrelevant form. He said the theft of accounts happened so often that it was useless to call the police. And the amount of money stolen from me is so small that no one cares.In the end, he also didn't give me a satisfactory answer. Didn't tell me how my money could be taken so easily by strangers. We trust Chase bank, so we keep our money here, but what the bank did, they let us down.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
My twin sister and my information has been incorrectly reported on both our credit reports resulting in credit score decreases. I had contacted transunion to fix this issue in which is was but only until today when again something of my sisters credit card account from XXXX XXXX, is being reported delinquent on my credit. I do not even have a credit card through that same company. I closed my account with them last XXXX. My score decreased significantly due to this issue

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 2017-10-06
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
This account was open with XXXX XXXX XXXX on or about XXXX XXXX and monthly payments were never late. The amount of the payment always exceeded the required monthly payment. After almost XXXX years of satisfactory payments there was a DISPUTE filed with XXXX XXXX XXXX regarding XXXX XXXX. The Bank was alerted prior to XXXX '' XXXX Transaction Request for payment, XXXX XXXX XXXX XXXX the Transaction anyway and played me along for XXXX days then dropped the DISPUTE. I had informed the Bank I would not and never pay the erroneous Transaction, XXXX later refunded the Transaction amount however the damage was done late fees on top of late fees were processed. However my position has not changed and my relationship with XXXX XXXX XXXX was TERMINATED. The issue of Credit Inquiries or the amount of Inquiries I have no control over the amount of the Inquiries in the course of day to day living and the Credit Agencies should not be allowed to give them credence and make the Inquiries an issue against the 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 2021-05-16
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 {$0.00}, {$0.00}, {$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 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. 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 2022-04-04
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:
Equifax is reporting false information on my personal private credit report, they are showing acts of defamation to my character. 

It is a fact that on XXXX my credit file was not reporting XXXX XXXX XXXX according to the notice I received from Equifax. 

According to federal law 15 U.S. Code 1681i ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
2 parts. 

The wrong amount is and was tried to be collected. I was awarded charity for my medical bills. Originally cmre was attempting to collect 2700+. Now they are saying 700+. The agent struggled trying to explain to me how a 90 % discount from the 2700+ is $ 700+.  At most it should have been {$280.00}. At most. 

The 2nd part is collections are not supposed to be on the credit report until after 180 days that it is delinquent. I was discharged from the hospital XX/XX/XXXX from my 1st XXXX. My credit was hit by cmre starting in XX/XX/XXXX for the bills and at the incorrect and intimidating amounts. That was not 180 days. 

The 2nd hospital stay for the other XXXX was XX/XX/XXXX. The 180 days would have been XX/XX/XXXX. I see this on my credit as of XX/XX/XXXX. 

I would like to have this removed as this is a ball of who shot XXXX. Also remove all personal information from your databases.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I ; Man deny that this is my debt and if it is my debt, who is the Man claiming I owe this debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my Knowledge and I have no contractual agreement with Capital One police report attach.

Company response to consumer: Closed with explanation