BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 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 2019-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
On or around XX/XX/2019 I filed a merchant dispute with XXXX  XXXX XXXX credit card services with credit card ending in XXXX and according to the FICO score from XXXX XXXX Credit Card Services my FICO XXXX Credit score was around 776. 
The XXXX XXXX score was around 771. just Yesterday, I discovered that my XXXX credit score wet down 133  points to XXXX. 
Today I just checked my Transunion credit report and score and found that even though my credit report from Transunion is clean with no derogatory information with no inquires, no public accounts, no collection accounts and every credit card I have was paid on time, I still have a credit score of XXXX. I am enclosing a copy of my Transunion credit report and score for your review. 
================================================================ What I would like the CFPB to do is to look into this and to determine what could have caused this dramatic change in my credit profile since this was very sudden and unpredictable.

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 2020-06-23
Company: EQUIFAX, INC.
State: MO
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:
XXXX XXXX XXXX XXXX not only allowed someone else to obtain an auto loan in my name, but they REFUSE to cooperate with law enforcement or the FTC to remove the fraudulent account from my report. They are rude to me every time I call them, and one of their " fraud specialists '' told me that it was probably my fault that my identity was stolen, because people leave their wallets laying around all the time. They have made absolutely no effort to help me resolve this, all they do is lie and scam. They just agreed to pay {>= $1,000,000} in a lawsuit for subprime lending and shady lending practices. I think it's time they answer for letting people fraudulently open auto loans in other people 's names and refusing to co-operate with the law and FTC to get the accounts removed from the identity theft victim 's credit reports. Luckily, XXXX  has been great and removed the account, which is obviously fraudulent. Equifax and XXXX  will not remove the account until XXXX does their part. I have disputed this account several times with XXXX  and Equifax, and both refuse to stop reporting on my credit report. Unfortunately, XXXX has also failed to stop reporting the account, so all 3 parties are currently in violation of consumer protection laws in regards to this account. I am XXXX XXXX, the one reporting this issue on behalf of myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Arizona Civil Case # XXXX - Portfolio Recovery Associates through their representing law firm in the State of Arizona, XXXX XXXX, XXXX, has filed a lawsuit against complaint-filing Defendants on XX/XX/2019 in XXXX County Justice Court XXXX XXXX District for a debt that does not belong to Defendants. 

XXXX XXXX, XXXX 's representing attorney proceeded to file an Amended Complaint on XX/XX/2019 with the Court and falsely misrepresented Defendants legal, marital status to the Court and has refused to correct the error. 

Said attorney has attempted to justify the misrepresentation through signed affidavit from Process Server, whose statements concerning marital status of Defendants are false and perjurous. Defendants ' legal marital status is single. 

Said attorney refuses to verify legal marital status with the appropriate State and Federal agencies and, by attempting to obtain a default judgment on complaint, is inviting the Court to participate in fraud and misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: EQUIFAX, INC.
State: SC
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/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: EQUIFAX, INC.
State: FL
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:
Equifax has frozen my ability to go online and view my credit report or file a dispute. The site says that my information does not match their records. On XX/XX/2019 they will give me no information over the phone after I give them over 12 pieces of information on my mortgage lender, credit cards, balances, etc. I have sent them a letter with social security and driver 's license copies per their instructions. They say they can not read the copy but it is absolutely clear to me. They will allow me to access my account if I agree to subscribe to their complete XXXX XXXX for {$19.00} per month. This appears to be a crime. I am entitled to this information that is damaging my credit and my family. I have hired a Credit repair Service called XXXX XXXX.They may be punishing me for using this service that challenges inaccurate reports on my credit file. There should be laws to protect consumers from these notorious practices that damage a families financial position.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: Experian Information Solutions Inc.
State: FL
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:
There is a company reporting on my credit report by the name of XXXX XXXX. I have never heard of this company or even seen them in my area. This is really hurting me because I was involved in an accident and Im not able to do much right now. This is causing me emothional distres because I have been denied for jobs because of my credit. I did not give them permission to do anything to my report and I dont even know how they got my 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 2018-10-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I spoke with a Chase Customer Service Representative, he asked me the reason for my call. I explained to him my issue regarding the multiple overdraft fees that were placed on my account. He informed me that he would make request to waive the overdraft fees. However, he then stated that he was unable to do so due to a limit that they have set. Afterwards, he connected me to who he introduced me to as his supervisors. She didnt seem like she had my best interest at heart as the customer, she was also very adamant about this limit that was previously mentioned. When I asked several questions she refused to answer them and told me if there isnt anything else she could help me with then goodbye. I have banked with Chase for years and I noticed a pattern in how they place overdraft fees on my account. They stack up them up last minute, thus gouging me for as much funds as possible. This same practice is what lead to the Class Action Lawsuit in  2012. Im a XXXX XXXX XXXX that definitely needs the funds that work hard for and I dont believe costumers should be treated this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/XXXX a check in the amount of {$35.00} was presented as an EFT to my XXXX XXXX  360 Checking Account from Citibank. This charge was unauthorized. 

The history behind the transaction is that I previously held a Citibank Checking and Checking Plus ( credit line ) account for nearly ten years. Due to a dispute with Citibank, I closed out both accounts in XXXX and made regular monthly payments, scheduled to be deducted on the XXXX of every month to pay off the Checking Plus balance. On XX/XX/XXXX, I made the final payment on the account in person at a Citibank branch, bringing the balance to {$0.00}. I followed up on that transaction by calling Citibank to ensure that there would be no further deductions from my account. I was assured that there would not be and was advised that it was not possible for their system to initiate because there was a {$0.00} balance. I accepted this as factual. 

Despite being assured there would be no further deductions, on XX/XX/XXXX, Citibank sent another EFT for {$35.00} to my XXXX   XXXX 360 account. I called Citibank regarding the matter and it took awhile for any representative or managers to locate the transaction, as the account was showing a {$0.00} balance. Eventually, the error was found and I was assured that the charge would be reversed by the end of that week. The end of the week came and went with no reversal, so I called again. After speaking with several representatives who could not follow nor see what I was referring to, I finally spoke with a representative who stated that I would be receiving a paper check in the next 10-14 business days because the system could not reverse the charge due to a {$0.00} balance. She assured me that this would not happen again, although she insisted that she was unable to send me any kind of formal letter or document indicating that account is paid in full and will not be subject to any further charges. Approximately one week later, Citibank reversed the charge and also sent a paper check in the amount of {$35.00}. I did not cash the check. 

On XX/XX/XXXX, another EFT in the amount of {$35.00} was deducted from my account by Citibank. I contacted Citibank again, however this time they refused to assist. They claimed to not see the transaction anywhere, they were rude, dismissive, I was hung up on once while I was explaining the matter, and ultimately they suggested that I file a dispute with my bank - XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
this is a fraudulent account reporting on my credit report and I've attempted to contact XXXX XXXX several times with no solution letting them know that this isn't my 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 2018-10-26
Company: Select Management Resources, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
XXXX XXXX XXXX XXXX in XXXX vs give me a loan back in XXXX for {$820.00} dollars with in a month and half, I give them XXXX dollars but they say the daily fees make the to over 1000 dollars and I miss month and half with our paying but {$900.00} should pay for 5 months and is not even 5 month since I talked that loan please help i have XXXX kids and having big problem taking my kids to the doctor.my number is XXXX XXXX XXXX or email XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-06
Company: WELLS FARGO & COMPANY
State: SC
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:
Im XXXX and I can not get a credit card they cast I dont have any credit.

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 2019-06-15
Company: Experian Information Solutions Inc.
State: TN
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:
The Annual Credit Report, blocked me from Disputing, Viewing, and Security Freeze on my Annual Credit Report, the individual that I spoke to on the phone at : EXPERIAN HUGE UP THE PHONE ON ME, WHEN I STATED THAT I WANT TO PUT AN SECURITY FREEZE ON MY EXPERIAN CREDIT ACCOUTANT, AND THE CUSTOMER SERVICE PERSON ON XX/XX/2019 STATED THAT HE WAS NOT HELPING ME PUT SECURITY FREEZE ON MY CREDIT REPORT, BECAUSE HIS WIFE STOLE MY IDENTITY. XXXX  BLOCKED ME FROM ACCESSING MY CREDIT REPORT, AFTER I SPOKE WITH EXPERIAN, IT WAS AN DOMINO EFFECT, AND I HAVE BEEN BLOCKED FROM ACCESSING MY OWN CREDIT REPORT WITH XXXX, EXPERIAN, XXXX, BECAUSE : EXPERIAN LOCATED IN XXXX XXXX, CA XXXX, XXXX XXXX XXXX, XXXX XXXX, THREATEN ME AND STATED HE WAS NOT HELPING ME DO NOTHING. EXPERIAN FROM CIC EXPERIAN CONSUMER SE, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, CA XXXX, RAN MY CREDIT REPORT MUTLIPY TIMES IN THE SAME DAY SEVERAL TIMES A DAY. I REQUESTED THAT IT BE REMOVED, AND THE CUSTOMER SERVICE REP STATED HE NOT DOING NOTHING FOR ME. ON XX/XX/2019 MULTIPLY INQUIRIES, XX/XX/2019 MULTIPLY INQUIRIES, XX/XX/2019 MULTIPLY INQUIRIES XX/XX/2019. I REQUESTED SECURITY FREEZE, CUSTOMER SERVICE REP. STATED HE WAS NOT HELPING ME DO NOTHING. I REQUESTED THAT MY MAILING ADDRESS BE UP DATED, THE EXPERIAN CUSTOMER SERVICE REP. STATED HE WAS NOT UP DATING MY ADDRESS, BECAUSE HE WILL NOT HAVE ACCESS TO STEAL FROM ME IF HE UP DATES MY CREDIT REPORT, FROM MY OLD MAILDING ADDRESS : XXXX XXXX, TN XXXX. XXXX, AND XXXX HAS BEEN HOLDING MY CREDIT REPORT FROM ME FOR ABOUT 3 OR 4 YEARS NOW. I REQUEST AN FULL INVESTIGATION INTO THE PROPERTY MANAGER, AND MAINTENACEMEN, ARE ACCESSING MY PERSONAL INFORMATION, OPENING BANK ACCOUNTS, BUYING CARS, AND HOUSES USING MY PERSONAL INFORMATION. I MS. XXXX XXXX XXXX, NEED MY CREDIT FILE CORRECTED IMMEDIATELY, AND I REQUEST ACCESS TO MY OWN CREDIT FILE, BECAUSE I AM TRYING TO MOVE AWAY FROM THESE PEOPLE WHO HAVE STOLEN MY PERSONAL INFORMATION. I DO NOT HAVE ACCESS TO MY OWN 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 2018-10-26
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2018 I had a ending balance of XXXX. On XX/XX/2018 US Bank charged me 4 fees of {$36.00}. I contacted them and advised them per there policy if my account is under {$5.00} overdrawn no fees should be charged. They then told me they charge for every transaction leading up to the overdraft. The funds were there so how are you charging me for funds that were in the account. All except the last transaction which overdrew the account for XXXX. This is a incorrect business practice I also bank with XXXX who would never do anything remotely like this. They refused to assist remove the fees or anything and I have the call recorded just stating that I could refuse overdraft coverage. It was XXXX ... .so how are ya 'll charging me 4 times for XXXX negative. The fees should be removed.

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 2018-10-26
Company: ENCORE CAPITAL GROUP INC.
State: PR
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 DISPUTED THESE ACCOUNTS WITH XXXX XXXX XXXX, FOR THE AMOUNTS OF ( XXXX ) and ( XXXX ) with XXXX  on two occasions, with no positive results.ON THE OTHER HAND HAVE GOTTEN THESE SAME ACCOUNTS, DELETED WITH XXXX  AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: CONGRESS COLLECTION CORP
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Congress Collection XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX. I reviewed my credit report and it droped 33 points Congress Collection was on my report for {$51.00}, I never received any documents or bill in the mail. I contacted Congress Collection and got there agent XXXX XXXX he stated I owed {$130.00}, things are not right he said I owed for year XXXX, and XXXX. My credit is good I pay my bills! I called XXXX which is my insurance provider they stated your responsibility is {$5.00} from XXXX? I called XXXX XXXX thats where the bill originated from spoke wit XXXX he stated I only owe {$5.00} XXXX. Congress Collection pulled my credit score down and is trying desperately to scam me out {$130.00}. XXXX XXXX that works there is a bottom feeder! Please help me its XXXX where has this bill been? I asked that they send me a bill XXXX want send me any paper work on this matter, my credit is suffering over {$5.00} credit report say {$51.00} and XXXX says {$130.00} the actual debtor XXXX XXXX says {$5.00} please help me to stop this company from scamming people out of there hard earned money and destroying my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit 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:
XXXX XXXX closed my complaint thinking it was a duplicate. It's not a duplicate and this new issue just happened. Maybe I wrote to much in my previous complaint and it was over looked. But the new issue is still with the card, but in fact that the amount they REMOVED which was XXXX and credited my account was added back increasing my balancing once again. 
Now, I am seeing a balance transfer in the amount of {$320.00}. Increasing an already high balance. I am not understanding what was the need of this transfer if it was credited, if I suggested to close the account, and XXXX some how forgot. Now this new balance increase, has affected my credit score which doesn't look good when I have been doing what I said I would do, which would be pay the balance. Later in the letter, it states that " The only balance you are responsible for is on account ending XXXX. Which at the time was not {$2300.00}. This is beyond ridiculous. This in fact is not a duplicate. Nothing was resolved, with them adding money back into my account. The information I have attached shows proof of what I am speaking of.

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 2019-06-16
Company: Westlake Services, LLC
State: IN
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: Old information reappears or never goes away

Complaint:
Honor finance is a closed account on y credit but still shows on my report and as open the amount I'd XXXX. 
Also XXXX needs removed amount is XXXX

Company response to consumer: Closed with explanation