BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Ive been speaking with the 3 major credit bureaus for months. There is no way for me to be able to deal with them any longer as they arent successful obeying the law. Please note there are too many unverifiable items on my credit file that dont belong. The comprehensive credit act of XX/XX/2020says so. See section 401. There is no contract so there is no way that these should remain on my credit file. 

XXXX - {$550.00} XXXX XXXX XXXX - {$260.00} XXXX XXXX XXXX - {$420.00} XXXX XXXX  - {$780.00} XXXX XXXX XXXX - {$420.00} XXXX XXXX XXXX - {$700.00} INQUIRIES UnAuthorized 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 2020-10-12
Company: Experian Information Solutions 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 HAVE SEVERAL INACCURATE ITEMS ON MY CREDIT REPORT. THEY ARE CAUSING ME A LOT OF EMOTIONAL DISTRESS.I FEEL AS IF I HAVE BEEN FURTHER VICTIMIZED BY THE BUREAUS AS WELL. I AM TRYING TO BUILD MY CREDIT AND BUY A HOUSE AND THESE FRAUDULENT INQUIRIES AND FRAUDULENT ACCOUNYTS ARE HURTING MY CREDIT SCORE.

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 2021-07-14
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Best buy credit card through Citi Bank I changed bank accounts and DELETED my old bank account and added my new one yet their autopay still billed the DELETED account and racked up overdraft fees on my bank account. Almost {$200.00} worth! They even charged my card AFTER I called and told them there was an issue. They refuse to take accountability for their system flaw and keep blaming me. If I DELETE the account from my account it's a pretty big security flaw that they keep it on file and continue to charge it. Now I have to fight with my bank to see if I can get a 1 time reversal on the overdraft fees even though it's not my banks fault it's Citis! This is absurd.

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 2018-06-25
Company: ONLINE Information Services, Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We had no communications about medical debt ( s ) owed.

Collections company " Online Information Services '' ( OIC ) claims we owe > {$2000.00} on services rendered in 2013 by originating creditor " Diagnostic Imaging ''. They started reporting this debt to credit reporting agencies in 2016. We had no one contact us about such debt at all in the past 5+ years. It just started showing up on our credit report. 
XXXX refused to provide phone number or address of originating creditor. They provided account # from originating creditor - but upon calling the supposed original creditor, that account never existed. 
Upon calling originating creditor, they stated that account # was not a real account # and that we never had services for the claimed amount ( > {$2000.00} ), and that they do not send debts to collections ( they do their own collections ). This debt never existed for us, and is fraudulent debt attempted to be collected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-15
Company: U.S. BANCORP
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am in the loss mitigation process. i had paperwork that was due XX/XX/XXXX i faxed my profit loss form XX/XX/XXXX by XXXX XXXX after faxing my document I even emailed my mortgage counselor. I had everything I needed written on the document even the receipt of the fax. My mortgage counselor called XX/XX/XXXX and said that I was denied for the program due to not faxing the profit loss form that I actually faxed. I asked her even though I have my receipt and wrote everything on there and she said How do I know you didn't just write the loan number on there. When I heard that it crossed my mind to XXXX XXXX XXXX XXXX because I knew that if I was denied out of the program at any day they could come and tell my children and I to leave. Fortunately im guided by XXXX. 
This is the third time this bank has made a major mistake like this and the fault has fallen on me. This company either needs to change policies, enforce rules or find employees who can perform the job. These people have important positions with important tasks that involve other human lives. They need to take their job or company more serious. 
Nine years ago they paid my insurance twice and at one time my mortgage had went up to XXXX but started at XXXX because of escrow shortage, and then threw me in a government program. Then in XX/XX/XXXX they set me up a payment arrangement where I had to pay a down payment of XXXX and then follow up payments. We set up an automatic payment through my account and he had such a hard time getting it done. And when they told me it wasn't paid on the correct day i was terminated from the arrangement they also told me automatic payment had not been set up. Their employees are making huge mistakes with even bigger consequences and its nothing to no one. Im starting to think this is how its suppose to be. The banks make a complete fool out of their customers and the system allows it. They are the system. 
How are they allowed to keep doing this. Are they just trying to take my home? 
I really need them to accept my paperwork and get this process over with because of this bank I am mentally drained, and in a depressive state everyday. 
Buying a home cash should be the American Dream anything else is setting yourself up for failure and a nightmare, but the companies are set up to win ... ... ..well duuuh but you shouldn't be allowed to do wrong

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 2018-05-14
Company: JPMORGAN CHASE & CO.
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
on XX/XX/2018, Chase sent me a notice that they decide to close my CSR account. I'm fairly new to the credit business but I know that closing my card with negatively affect my credit, I recently got married about a year ago, me and my family are just trying to build our credit so that we can achieve our financial goals. My wife and I are both hard working individuals with stable income. My credit utilization rate is 10 % and I use all my cards in a normal way. I respectfully ask that my card be reopen and I will stop whatever I'm supposedly doing that I shouldn't be doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I went to CapitalOne 's web site to pay my credit card bill for the month before it was due. After logging on, I received an error that said 'We 're sorry, we hit a snag Looks like something went wrong, but we're working on it. Give it another try it a bit '. I went back a few day later and paid the bill. I was then assessed a 'late payment fee '. I complained about the fee after I had paid it. I told CapitalOne about the web site error and the refunded the late fee. I told them to remove the late payment from my payment history. They keep saying they refunded the late payment fee because of the server problem. I have demanded that they remove any record of a late payment in XX/XX/2018 and they say they can't do it. I want it removed immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-06
Company: RSI Enterprises, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
RSI Enterprises XXXX XXXX. XXXX XXXX XXXX, AZ XXXX Account no : XXXX Amount {$130.00} Date : XXXX I told them that is wasnt mine and they need it to take me out of collection if its not yours it should be off like the law says. If its not i will file a small claims court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-06
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
My name is XXXX XXXX and have an XXXX  Amex card ending in XXXX, we bought some tickets last year before the pandemic to go from XXXX to XXXX and XXXX to XXXX in XX/XX/2020 on a XXXX leg of the trip. The XXXX leg was on XXXX XXXX and the XXXX was on XXXX  airlines. Due to the travel restrictions and airlines cancelations, XXXX XXXX refunded our money but we are having issues with the XXXX leg of the trip. Its been months that we are trying to get the refund on the XXXX to XXXX leg. When ever we call Amex customer service, its been a couple of times we are asked to call XXXX  airlines and have them send the refund. We are also told because your fee rules indicate there is no refund on this ticket. Nothing was clearly told to us that if pandemic hits and the flights are canceled we would not get the refund on that flight. We have XXXX little babies who were traveling with us and didnt want to travel with them and get sick. As we were uncertain of this travel we canceled the flight and did not wait to cancel it by the airlines. As it turns out XXXX  cancelled the flights itself a few days later. Now we have an email from XXXX  telling us we need to reach out to the reservation agent that is Amex to ask for the refund. Please advise how we can solve this?? We paid $ XXXX and no one is helping us fix this. We are so helpless and annoyed with this passing the buck between Amex and XXXX  airlines that we will never use your services again in the future to book our travel needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: EQUIFAX, INC.
State: UT
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. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX REFUSE TO UPDATE THE PAID ACCOUNT AS PAID EVEN WITH PROOF We have opened your Account Dispute The dispute for the account with XXXX/XXXX XXXX that starts with XXXX has been received and should be completed by XX/XX/XXXX. We will process the items that you questioned with the furnisher of the information or vendor that collected the information from a public record. Youll receive an alert when updates are available and when your full results of your dispute are ready to view. 

Alert Details Alert Date XX/XX/XXXX Source XXXX  Date Submitted XX/XX/XXXX Estimated Resolution Date XX/XX/XXXX Report Number XXXX Account Number XXXX Company XXXX/XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX/XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Installment Sales Contract Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage - Balance {$0.00} Balance Updated XX/XX/XXXX Original Balance $ XXXX Monthly Payment - Past Due Amount {$0.00} Highest Balance - Terms 6 Months Responsibility Individual Your Statement - Comments Transferred to another lender or claim purchased Contact Information XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 30 XXXX 60 XX/XX/XXXX90 XXXX FP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FP XXXX On Time 120 120+ Days Late 30 30 Days Late FP Failed to Pay 60 60 Days Late N Negative 90 90 Days Late Data Unavailable

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 2021-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Attn : Consumer Finanncial Protection Bureau My name is XXXX XXXX and I am XXXX years old. I currently work as a XXXX XXXX in XXXX XXXX, Florida. Due to the XXXX XXXX, my hours were brought to zero, as the office was unable to operate. As I do collect social security, it has been my manstay of income during this crisis. I was forced to give up my previous living quarters, and now live with a friend in a mobile home. They have allowed me to reside there for free during my fiinancial crisis. 
I have always made a effort to pay all of my bills and even during this time am trying to make the payments. ' Upon review I have a credit card debt with Capital One, and am still making monthly miniimal payments. ' I spoke with them by phone, explained my current situation and they odffered no assistance. Their professional attitude was disgusting. 
I owe a total debt to Capital One of {$2500.00} dollars, an every month pay them $ XXXX on time. 
Theycharge a rate of 27 % or {$50.00} interest after my {$100.00} payment every month. 
I absolutely begged them to establish a rational manner of getting thhe debt paid off. 
I am in a terrible financial dilemma, and Capital One should be investigated for the manner they are addressing the needs of individual like myself duriing this awful time in the world. 
The conduct of Capital One needs to be addressed by an organziation like yours, as there are using XXXX to financially destroy all who deal with them, and this is not right. 
I ask for any assisttance you can offer as this is not a professional manner of treating me or others during a horrible time in the word. 
Sincerely, Ms. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  REFUSE TO UPDATE THE PAID ACCOUNT AS PAID EVEN WITH PROOF We have opened your Account Dispute The dispute for the account with XXXX/XXXX XXXX that starts with XXXX has been received and should be completed by XX/XX/XXXX. We will process the items that you questioned with the furnisher of the information or vendor that collected the information from a public record. Youll receive an alert when updates are available and when your full results of your dispute are ready to view. 

Alert Details Alert Date XX/XX/XXXX Source XXXX Date Submitted XX/XX/XXXX Estimated Resolution Date XX/XX/XXXX Report Number XXXX Account Number XXXX Company XXXX/XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX/XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Installment Sales Contract Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage - Balance {$0.00} Balance Updated XX/XX/XXXX Original Balance $ XXXX Monthly Payment - Past Due Amount {$0.00} Highest Balance - Terms 6 Months Responsibility Individual Your Statement - Comments Transferred to another lender or claim purchased Contact Information XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX30 XXXX 60 XXXX 90 XXXX FP XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FP XXXX On Time 120 120+ Days Late 30 30 Days Late FP Failed to Pay 60 60 Days Late N Negative 90 90 Days Late Data Unavailable

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: Professional Placement Services, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Basically in a nutshell I paid a bill that I owed the original collection agency XXXX XXXX the bill was in the amount of {$110.00} XX/XX/XXXX. Then I got a letter a month later from Professional Placement I explain to the personnel that I paid that bill. I never heard anything else from the company. XX/XX/XXXX the same bill resurfaces for {$110.00} from a company called Professional Placement they placed the erroneous collection on my file five times for a total of {$570.00} on my credit it looks like I owe five different late payments, I lost XXXX points because of this and the bill has been paid in full. This is the result of selling debt over and over.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: Westlake Services, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2011 Westlake Services added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. also, there was NO written form of communication, contract, or 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 mine. According to the FCRA, Westlake Services has violated my rights as a consumer and I'm requesting legal action to remove this account immediately and STOP harassments!.

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 2021-07-14
Company: EQUIFAX, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My complaint is with Equifax. I have applied for refinancing my home mortgage with XXXX XXXX XXXX XXXX. They need to have all three credit agency reports to process my application. I had previously requested a credit freeze with all three credit reporting agencies in about XXXX to protect myself from Identity theft and had a problem only with Equifax to lift my freeze. They told me that they could not lift my freeze without my answering the security question of : " When did you a apply for your credit bureau freeze? '' I believe it was in XXXX, when I was advised by XXXX to protect myself from Identiy Theft. Equifax asked me what month. I had told them on Monday, XX/XX/XXXX that I thought it was XXXX, when that was not the right answer, I said it could have been XXXX. That was not the right answer, so today I said XXXX. When that was not the right answer, I said that I will file a complaint with the federal agency which regulates them. Then the lady very nicely told me that I would not have this problem if I applied online to lift my security freeze. I was very happy to know this and I thanked her. When I went online to myequifax.com today, I was asked for my father 's middle name. My father 's middle name is XXXX, but I was told online that was not the correct answer. I am XXXX years old, and I have known that my father 's middle name is XXXX since I started kindergarten. How does Equifax know that my father 's middle name is not XXXX? I have had only one father my whole life! It should not be impossible to have my Security freeze lifted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 HAVE REVIEWED MY CREDIT REPORTS AND I HAVE DISCOVERED THAT SOME UNUSUAL ACTIVITY HAS BEEN TAKEN PLACE THAT I WAS VERY UNAWARE OF. THE ACCOUNTS AND INQUIRIES LISTED ON THE ATTACHED IDENTITY THEFT REPORT, DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME. I AM REQUESTING AN INVESTIGATION INTO THIS MATTER AND ALSO A TIMELY REMOVAL OF THE FRAUDULENT ACCOUNTS AND INQUIRIES OFF MY OF MY CREDIT FILE.

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 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 HAVE SEVERAL INACCURATE ITEMS ON MY CREDIT REPORT. THEY ARE CAUSING ME A LOT OF EMOTIONAL DISTRESS.I FEEL AS IF I HAVE BEEN FURTHER VICTIMIZED BY THE BUREAUS AS WELL. I AM TRYING TO BUILD MY CREDIT AND BUY A HOUSE AND THESE FRAUDULENT INQUIRIES AND FRAUDULENT ACCOUNYTS ARE HURTING MY CREDIT SCORE.

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