BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-17
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: Personal information incorrect

Complaint:
Address XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, GA XXXX This not my address, I never live here. Can you please remove this from my credit report history.

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 2018-01-17
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
PNC BANK ALLOW IDENTIFY DEBT TO HAPPEN I LOST A TOTAL OF {$350.00} IM REPORTING XXXX XXXX FOR THREATING TO CALL POLICE ON ME WHEN I COMPLAINED ABOUT MY FUNDS ... THEY ALLOWED INDENTY THEFT PLUS THEN DIDNT REFUND. IM XXXX AND I RECEIVE XXXX WHICH I OPEN IN XX/XX/XXXXA TOTAL OF XXXX WAS STOLEN IN INCREMENTS OF {$850.00} every XXXX XXXX of the month since XX/XX/XXXX ... my name is XXXX XXXX XXXX my cell # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over days and I haven't recieved any investigation results.

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 2022-01-10
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: Public record information inaccurate

Complaint:
On XX/XX/2021, XXXX XXXX XX/XX/2021 I mailed Transunion with a letter from the US District Court stating that they do not report anything to the credit bureaus. Transunion has not replied with any names or contact information for who they have verified this XXXX with. This reporting is illegal under 15 USC 1692E and 15 USC 1681b. It has been over 90 days with no response from Transunion.

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 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-01-17
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX did n't honor their promise to remove the XXXX account which I already Proved several times that it belongs to my husband. Furthermore, they have failed to send me in the mail and they respond which they told me they will get from the company. He only send me a letter in the mail tell me to contact the company. By law based on the fear reporting act they are not allowed to report incorrect information from a source which is and they can not identify and on several phone calls I was promised that will be removed and all they did is make a remark that its in dispute and it did not remove it. Moreover, by law they are required to block the creditor from being able to report this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: JPMORGAN CHASE & CO.
State: PA
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:
The problem is summed up mostly in the communication I sent to Chase, issuer of the card : " I am writing regarding a dispute of the above charge that was originally filed on or around XX/XX/XXXX. Chase responded with a letter on XX/XX/XXXX, stating that the charge was valid, but I called Chase on or around XX/XX/XXXX, to renew the dispute and explain that Chase had been given incorrect information by XXXX in its effort to sustain the charge. Thus, I am writing you now. When I made the XXXX booking on XX/XX/XXXX, the following flights with the following times were confirmed : Sunday, XXXX XXXX, XXXX XXXX ( XXXX ) ( TN ) XXXX XXXX XXXX XXXX Tuesday, XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) ( TN XXXX XXXX XXXX XXXX These flight times were acceptable to me. However, on or around XX/XX/XXXXXXXX XXXX  unilterally and without my consent, changed the departure time at XXXX on XX/XX/XXXX from XXXX to XXXX, and the departure time from XXXX on XX/XX/XXXX from XXXX to XXXX. These time changes made both flights totally impossible for me and my family to use. Therefore, we did not fly on these flights. 

The Department of Transportation has indicated that consumers are entitled to a refund if there is a significant schedule change. Both changes were clearly significant schedule changes as they involved hours difference on both flights. Therefore, we can conclude that XXXX and I contracted for XXXX flights at a certain schedule, and then changed the departure times of both significantly. My family and I then became unable to use those flights because of XXXX schedule change, and in fact, did not use the changed flights. Therefore, a refund should be issued. Thank you for your attention to this matter. '' After receiving this communication, Chase refused to refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: Creditors Bureau Associates
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 filed a dispute with XXXX for a collection item that is reporting on my credit report that is not mine. I provided an ID theft affidavit and proof of my identity. The item is still reporting on my credit report despite several efforts to remove it. After calling the Credit Bureau on the phone they stated that the reason is the Identification I sent was not legible, even though the copies I have are clear. I have attached the proof of identity information that I sent to XXXX. I hope that you can help me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian did n't honor their promise to remove the XXXX account which I already Proved several times that it belongs to my husband. Furthermore, they have failed to send me in the mail and they respond which they told me they will get from the company. He only send me a letter in the mail tell me to contact the company. By law based on the fear reporting act they are not allowed to report incorrect information from a source which is and they can not identify and on several phone calls I was promised that will be removed and all they did is make a remark that its in dispute and it did not remove it. Moreover, by law they are required to block the creditor from being able to report this inaccurate 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 2019-07-18
Company: BB&T CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
BBT Bank representative failure to investigate the XXXX card charges {$33.00} and they also charge over draft for {$35.00} then another transaction fee {$35.00} rack up fee 's. They didn't fully investigate at all just offered a temporary 10 day credit. I had already pay the {$33.00} fee about 1week prior they reject the claim. Then overdraft fee was supposely to be turned off the feature. However the {$160.00} was force onto my debt card neither 1 on of these fees were swipe at all then I was giving the run around about the fee. Now my account is over drawn {$520.00} and BBT fraud department refuse to investigate the case for the {$160.00} simple rejected.

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 2021-04-14
Company: DISCOVER BANK
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 have been disputing this debt constantly, I've noticed that it still remains only on one credit bureau which is XXXX. I have disputed it from all different aspects just to have it removed. It is not my debt and it is beyond a old debt I have continuously dealt with for years now. I've asked for contracts, verbal consent and still I have only received statements in the mail from Discover. I have asked for any contracts with signature attach to prove this is my debt. I have also sent the credit bureau all of the evidence I have, such as ; XXXX XXXX XXXX different statements with ( XXXX XXXX different balances attached to them as well. One was in the amount of {$5200.00} from XXXX. Second statement amount was from XXXX in the amount of {$6800.00}. Third statement was in XXXX at {$7500.00}. This alone would make most question the validity of this debt, and especially when it isn't your debt. I am still awaiting evidence that says I am responsible for this debt. Also the statues of limitation has expired on this debt that pertains to the state laws in GA. It says this account was opened in XXXX. Discover continues to send letters stating that they were provided with name, address, and other identifying information. I have yet to see any of this identifiable information, contracts etc. Please HELP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-17
Company: Convergent Resources, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My home building contractor and I received a utility bill from XXXX XXXX XXXX which had a total balance due of {$26.00}, however when I logged in to pay it showed a balance of {$430.00}. I called to sort this out, and according to the bill I had in hand and also the one that they had in their system there was a credit of $ XXXX in the " other Charges or Credits line item. The previous statement balance was {$400.00} which with the credit applied equaled {$26.00}. For some reason the system was adding the previous balance and current balance together for the current total. The person on the phone stated they saw the discrepancy and would look into it, but it required getting in touch with someone who was not in the office, so they said they would call me back once they did some digging/resolution. I never received a call back, but instead received a collections letter. On top of all of this they originally sent the bill to the wrong address in a town 80 miles from where I live. I disputed the collections, and they sent me a letter again saying the charges were valid with a copy of the bill that had a total charges due of {$26.00}. At this point I feel I do not have enough evidence to verify the charges they are claiming. I would like to file this complaint on both XXXX XXXX XXXX, and the collection agency 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 2018-11-02
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
TD bank closed my account mentioning that my signatures don't match. Initially, they were going to open a new account after filing a police report. This happened on XX/XX/18. I was a victim of check fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: The CMI Group, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX has once again turned over an account to a collection agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Please see the attached documentation of the same account that XXXX XXXX has submitted to various credit reporting agencies over the last three years. This is an ongoing problem. WHY DOES XXXX XXXX Continue to knowingly and willing report incorrect information to various collection agencies? Why is collection agency refusing to verify the information with XXXX XXXX. 

Upon giving my SS # to the above credit reporting. The agent on the phone asked if my name was " XXXX XXXX ''. I have never lived in Louisiana or the area where " XXXX XXXX '' resides. My name, as I have stated to XXXX XXXX multiple times in writing in the past three years is XXXX XXXX. I am in good standing a XXXX XXXX customer today. The agent ( in a recorded call ) furthermore said that I should report this situation as identity theft. I have had no other attempts by anyone to use my identity to open other accounts. This is clearly a case of poor and possibly fraudulent collection practices by XXXX XXXX. Please see all the attached documentation from many past attempts to collect money on the same erroneous account information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Hello all I am having an issue with the XXXX credit bureaus. First and foremost theyre showing multiple accounts on my credit report that were included in bankruptcy as derogatory accounts with balances! This is incorrect reporting on my consumer reports! They say that creditors came back and verified this information as accurate, how could that be if it was discharged in my bankruptcy? It should show discharged with a {$0.00} balance! The refusal of updating the information is a violation of the bankruptcy discharge injunction prohibiting creditors from trying to collect on these debts. The negative remarks is causing my credit to remain stagnant. This is a violation of my consumer rights, and it is against the law to report such information on my credit report. I have tried to fix this issue with each bureau, however, they have refused to correct this information. Also, how can something go from reporting as ok to an automatic charge-off because bankruptcy was filed? This is against the law and is being reported inaccurately. Also theyre reporting my student loans as being 90 days late, however, I was never late! I was never XXXX nor 60 days for entries to be marked on my credit report as 90 days late only. This is incorrect reporting and is also against the law. Theyre also reporting my bankruptcy incorrectly, each bureau has a different filing date as well as a different discharge date, per the FCRA this is incorrect reporting as each bureau must report IDENTICAL INFORMATION in which theyre not doing and this is a violation of the FCRA!

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 2019-07-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
So all 3 Credit Bureaus continue to ignore my request for dispute by not completing a full dispute, its kind of disturbing to know how a credit bureau can complete a dispute in less than 5 days. That tells me the dispute is not being done correctly and not being done in accordance with the law and my rights. This complaint has been created because there is two issues with my credit files that keep getting ignored.

1. The credit bureaus continue to allow XXXX XXXX XXXX to report false numbers to them, I due not owe an outstanding balance or am I late or ever have I missed a payment. The loan was restructured and while it was being restructured the false numbers where being reported, I am current with XXXX. 

2. All of these fake hard inquires have appeared on my credit file I have only submitted 2 for this year not over 10 like is being shown. Only credit Inquires that should show on my file is a XXXX XXXX and XXXX XXXX that is it, The Credit Bureaus have seeked and sought to destroy my credit files by allowing these inquires to hit my report while my report was in frozen status.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: TENET HEALTHCARE CORPORATION
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has repeatedly attempted over the past 8 years to collect on a debt that is more than ten years old according to there own records and simply harass me when I asked to see proof of the debt. At the time I was certainly sure I had blue cross. I also was the victim of id theft on three credit cards and my social security card along with my id taken from a XXXX in XXXX. 

Nevertheless, I have asked this very aggressive company to provide proof of the debt and the have only threated to call my work if I did not begin to make payments. " My other number ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: SLM CORPORATION
State: PR
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:
Sallie Mae sale my Account ( Defaulted ) to Collection Company without time in Repayment option. 
Amount : {$8700.00} XXXX : XXXX in XXXX XX/XX/2019 
Notification transfer, Defaulted sallie mae student Loan sale de account onXX/XX/2019. 
Notification : Sallie Mae no longer service your Student Loan. 
*Report XX/XX/XXXX XXXX ( Negative Impact ). 
Action : I write a Godwill Letter to Sallie Mae.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a credit card through elan financial. 4 payments have been made on my account by another party totaling XXXX ( approx. 1. 1400, 2. 2900, 3. 9800, 2. XXXX ). This occurred over the period of a month. I called after the first one and the removed it add applied in error, but then another appeared, I again called and this time changed my account number. Then two more payments appeared, they said the account number change did n't matter since they forward it for a year ( which I should have been told in advance ). Now I ca n't make my normal payment because it does I 've over paid ( my balance was less then 200 ). One they find where these payments belong and I can finally pay I 'm going to be charged for finance charges because of there mistake ... Also the amount of the payments seems like money laundering but they have ignored my repeated calls.

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 2018-01-17
Company: Credit Protection Association, L.P.
State: FL
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:
Looking at my credit report on XXXX XXXX 2018 I saw an account in collections and I never gave any company the right to share my information whatsoever. The account is for {$530.00} which is listed on my credit report as account # XXXX. I sent a letter to the agency today on XXXX XXXX requesting that they validate the debt and show competent evidence bearing my signature that I have or ever had some contractual obligation to pay them. I do n't know who this company is and never received any letters from them. They are in direct violation of the FCRA ( Fair Credit Reporting Act ) and the FDCPA ( Fair Debt Collection Practices Act ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation