BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-08
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I closed a personal checking account with XXXX XXXX XXXX in XX/XX/XXXX, and received a letter confirming the account was closed. 
That was the last communication I had with XXXX XXXX XXXX, until I received a letter in XX/XX/XXXX stating my CLOSED account was past due, and to remit the amount due. 
The letter also stated that this negative status had already been reported to Experian. 

I telephoned XXXX XXXX XXXX, and an associate looked over my account status. 
- She saw that the account was closed XX/XX/XXXX. 
- She then noticed a monthly maintenance fee was charged to the ( Closed ) account in XX/XX/XXXX. 
- Further, the overdraft protection feature of the ( Closed ) account paid the incorrect maintenance fee. 
- In subsequent months, the overdraft protection amount was unable to be drawn down to XXXX, since there was no money in the ( Closed ) account. 
- Finally she noted in XX/XX/XXXX that the matter was turned over to the Bank Collections Department. 

Between the letter confirming my account was closed in XX/XX/XXXX, and the letter in XX/XX/XXXX stating the overdue matter had been reported to Experian, I had received XXXX communications from XXXX XXXX XXXX. 

As a result of my contacting XXXX XXXX XXXX in XX/XX/XXXX, they  closed my ( Closed ) account, and dismissed the incorrect maintenance fee and overdue fee. 

However, I now need XXXX XXXX XXXX to remove the negative credit activity from my credit report. 
I submitted a dispute via Experian, and XXXX XXXX XXXX simply reported that the account is closed. 

I need XXXX XXXX XXXX to correct its mistake which it compounded in so many ways, and repair my credit report.

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 2021-02-03
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Received a text to my cell phone about a debt. When I called, they had my social security number and stated it was a payday loan from XX/XX/2012. I never took out a payday loan. They said it was in the amount of {$790.00} and they wanted my credit card number. They have my current address and my previous address. His name is XXXX XXXX and it is case number XXXX from ACE Cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received a collection notice from Bank of America, stating I have a principal mortgage balance of {$150000.00} and the account is past due {$84000.00} and the property is in foreclosure process. The property this account is attached to was sold by XXXX XXXX County in a Tax Deed Sale on or about XX/XX/XXXX and all the proceeds from the sale of this property were held by the XXXX XXXX office. Since XX/XX/XXXX this same property has been bought and sold multiple times. 
I contacted Bank of America multiple times and advised them of this matter and they continue to be unresponsive and disregard all the documentation I've sent to them. 
I've disputed the fraudulent posting Bank of America has placed on my credit reports multiple times and the Credit Bureaus continue to state the Bank of America posting has been verified as accurate.

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 2018-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
On XX/XX/XXXX I wired {$3000.00} from XXXX  XXXX to bank of America. The wire was immediately returned due to an invalid account number. Here is the thing. They sent back only {$2900.00}. I am very upset. What gives them the right to do so. I entered under no agreement with them. Signed no contract yet it was reversed immediately probably electronically. And this justifies them to take my hard earned money. 

The fee, IMO, is arbitrary and not something I ever agreed to. To take their line of action to an extreme, what would stop them from keeping half of it, or all of it? I don't see what legal basis they have for keeping any of it. 

The fee is unreasonable considering they performed no service. Maybe, if they held the money and asked for account number clarification, given that they had the payee 's name, and could have seen the account number was off by one digit, I would have felt it more reasonable that they did diligence or provided some value. But {$45.00} just to reject it?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account was Opened XX/XX/XXXX closed on XX/XX/XXXX ( 1 yrs, 7 mos ) {$300.00} Reported balance Remarks : Charged off as bad debt Profit and loss write-off Company : SYNCB/AMAZON PLCC XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ) XXXX This account has 18 late payments posted on my report and I had or have no knowledge of it. If you could help me with this matter I would appreciate it. {$300.00} is not worth it to risk my credit score. If I had knowledge of any debt with amazon I would've paid it or disputed immediately. They ( Amazon ) never reached out to me by email or by phone. I only found out about this recently when XXXX XXXX gave me a plan to fix my credit after I inquired about trying to get a VA loan for a house. I logged in XXXX XXXX afterwards and saw the details ( as stated above ). I wish I would've been checking my credit report and not just my credit score as it looks like it has been there for a while. I just had to look a little deeper. Originally I thought my credit score dropped 100 points due to my credit to debt ratio increasing up to 508 % in XXXX. Please help me if you can because my credit score used to be 720+ and now its like XXXX. 

Thanks

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 2020-05-20
Company: EQUIFAX, INC.
State: AL
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 RECENTLY OBTAINED A COPY OF MY CREDIT REPORT AND I NOTICED THERE IS INFO ON THIS REPORT THAT IS NOT MINE. PLEASE REMOVE ACCOUNTS IMMEDIATELY AND SEND AN UPDATED COPY OF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Fidelity National Information Services, Inc. (FNIS)
State: WI
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:
An account with XXXX was opened by a family member without my authorization. This family member had access to all of my financial and personal information. I worked closely with XXXX XXXX, the CFPB, the FTC, the 3 main credit bureaus and XXXX XXXX XXXX ( the collection agency that bought the account ) FOR MANY MONTHS to resolve the account.

The creditor, the collection agency concluded the account was a result of identity theft and thus all collection activity stopped. After further review, the charges with XXXX XXXX were a result of unauthorized payments made to the fraudulent account with XXXX. As evidence of my claims please review the attached documents.

As the CEO of an investment and acquisition conglomerate, I do not have the luxury of time for this matter to be corrected. The erroneous entry on my credit report is interfering with my ability to fulfill my role with my employer and thus threatening my job stability. A core function of my job is to secure financing for the corporation 's acquisitions. This often requires a personal guarantee. Recently, a denial of access to a necessary bank account has transpired due to this erroneous entry. I am currently losing bonuses due to my inability to gain access to the account with 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 2021-02-03
Company: STERLING JEWELERS, INC.
State: CA
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:
Back in XX/XX/2020 I settled with Kay Jewelers and they were suppose to report to the credit bureau as a XXXX  balance they yet to do so. Since this has been misreported for months now I want this REMOVE NOW!!!! .. The promise on their part was not upheld like my was when I paid the settlement. They have had plenty of time to report to a XXXX  balance and have decided not to do.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Us asset management hasn't given me proof that I owe that balance, they have no contract with my name on it, I am XXXX and I have no recollection because they need proof that the debt belongs to me and they haven't proven anything, I don't owe the debt., that is why I am not paying it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: CITY NATIONAL BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
This is a complaint in regards to TRIP ID - XXXX I booked this trip using points ( see attached ), and its supposed to pay for the full fare. 

Shortly after I booked the trip, I went to the airline 's website, to buy seats and bags. 

For some odd reason, the airline did not receive the payment from CNB and proceeded to charge me XXXX  dollars which is the TOTAL charge for FLIGHT FARE + BAGS + SEATS ( see attached ). 

This means that the points I used did not go through, but CNB did not refund me the points. I have tried to reason with the XXXX and CNB, no one is taking responsibility. I can clearly see that XXXX  charged me the full fare + add ons on my credit card. unless CNB can produce documentation on they have made payments to XXXX, I would like my points back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: BB&T CORPORATION
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I closed a personal checking account with BB & T in XX/XX/XXXX, and received a letter confirming the account was closed. 
That was the last communication I had with BB & T, until I received a letter in XX/XX/XXXX stating my CLOSED account was past due, and to remit the amount due. 
The letter also stated that this negative status had already been reported to XXXX. 

I telephoned BB & T, and an associate looked over my account status. 
- She saw that the account was closed XX/XX/XXXX. 
- She then noticed a monthly maintenance fee was charged to the ( Closed ) account in XX/XX/XXXX. 
- Further, the overdraft protection feature of the ( Closed ) account paid the incorrect maintenance fee. 
- In subsequent months, the overdraft protection amount was unable to be drawn down to XXXX, since there was no money in the ( Closed ) account. 
- Finally she noted in XX/XX/XXXX that the matter was turned over to the Bank Collections Department. 

Between the letter confirming my account was closed in XX/XX/XXXX, and the letter in XX/XX/XXXX stating the overdue matter had been reported to XXXX, I had received XXXX communications from BB & T. 

As a result of my contacting BB & T in XX/XX/XXXX, they closed my ( Closed ) account, and dismissed the incorrect maintenance fee and overdue fee. 

However, I now need BB & T to remove the negative credit activity from my credit report. 
I submitted a dispute via XXXX, and BB & T simply reported that the account is closed. 

I need BB & T to correct its mistake which it compounded in so many ways, and repair my credit report.

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 2020-11-16
Company: JPMORGAN CHASE & CO.
State: FL
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:
Hello, this is an update to the existing complaint XXXX. 
Currently Chase is forcing me to take a check as opposed to the ACH. They can not make it work ... See past claims. 
Now ... they are working on a check ... i really dont want to go to deposit it once i receive it .... 
Worst Part, they have changed my mailing address to a place i do not reside at. ( USPS apparently gave them the incorrect address ... but who asked? ) no idea where the check is at, and Chase is not cooperating. 
This is theft for {$4200.00}. 
There is no mistake about this. THEFT

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-28
Company: EQUIFAX, INC.
State: NJ
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:
This company has not answered my question in the least bit. I have supplied all the necessary information on the companies that have placed inquires on my report, they have refused, neglected to supply me with the documentation from these companies that they claim to have submitted to them ( XXXX, XXXX, Equifax ) to verified that their claims are true. Each time I request this information they keep brushing me off and just update these false claims on my report. I want proof of applications submitted by me to these companies for credit that way if there is any such documents then my information has been compromised. If they can not product documents to this effect not only do they need to remove their inquires but I need to file further claims because of the breach of my information. Also each time I file a complaint not only do not furnish proof of verification they just update the status of the item I am disputing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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: Card was charged for something you did not purchase with the card

Complaint:
I reviewed my credit report and saw an account in collections from Capital One. I have a Capital One credit card and kept disputing the item until I find out it was being reported as KOHLS/CAPITAL ONE. I immediately filed a complaint with the FTC since I have never used or opened an account with Kohls. I am a victim of identity theft and have filed complaints with law enforcement. I have begun the process of removing all items negative on my credit report that have never been opened by myself. I am attaching the proof of identity theft. 

I tried to contact the number for Kohl 's and was told they would not talk to me or dispute the item because it was done in the past. I explained to them it was not me who called or disputed anything previously, but they did not want to assist me. I explained and relayed my phone number, email address, and other personal information - all of which did not match the account with Kohls. I was told there was a letter mailed out to me, but I never received it. Approximately two weeks ago, I received a letter addressed to my previous legal name stating there would be no dispute opened due to disputes closed in the past and initiated by somebody pretending to be me and using my information fraudulently. 

Lastly, I was told the item is not being collected on and all collection activity has stopped, but it is still negatively reporting on my credit report. If this is not resolved, I will be forced to pursue legal action and help prosecute the identity thief to the fullest extent of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-05
Company: Kriya Capital, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credence Resource Management called to collect a XXXX dollar debt I already paid in XXXX for XXXX XXXX XXXX between XXXX XXXX and XXXX Hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello as you can see I keep my credit good. Collection agencies put information that belong to me. I contacted them but they refused to listen to me and called my job. Its weird how they all did the samething. please remove this from my credit. its not mines XXXX  XXXX  Reported : XX/XX/2020 {$950.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/2020 {$780.00} Needs Attention XXXX XXXX Reported : XX/XX/2020 {$220.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/2020 {$1500.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/2020 {$1100.00} XXXX  XXXX  Reported : XX/XX/2020 {$950.00} Needs Attention XXXX  XXXX Reported : XX/XX/2020 {$55.00} Needs Attention XXXX XXXX Reported : XX/XX/2020 {$220.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/2020 {$1100.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/2020 {$1500.00} Needs Attention XXXX XXXX Reported : XX/XX/2020 {$780.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
On XX/XX/2021 around XXXX XXXX PST I signed into Experian to opt out of marketing. From their on line page I was required to create an account and they gave me account #. I have no idea what is going to happen with that. 

I could not located anywhere on the page or their web page to opt out of marketing. I also tried calling in and their phone support tree did not have an option and would not allow me to a live person. 

I use XXXX XXXX with XXXX XXXX XXXX and they have not been able to get my report from Experian in a month.

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 2019-10-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX, I received a letter from XXXX XXXX XXXX XXXX saying that this loan has been discharged in full as of XX/XX/17 and that I do not owe any amounts on the loan. The letter also states that collection activities and credit reporting have been ceased. I received a 1099-C, cancellation of debt in the full amount of the loan of {$10000.00} in 2017. With all of this being said I am still receiving collection calls and the loan is still being reported as delinquent on my credit reports of XXXX, Experian and XXXX. I would like for the CFPB to investigate and call for the credit bureaus to remove this erroneous information from my credit. It is damaging to me and my character as I begin to use my credit now. I would like for the credit bureaus to remove this information immediately. 

Under the Fair Credit Reporting Act all information reported has to be true, accurate and verifiable. Clearly this information is false and not accurate or verifiable and I am requesting a removal.

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 2018-10-22
Company: Credit Karma, LLC
State: TN
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:
The loan balances are not updating, is it being reported to the credit bureau monthly or quarterly? and how often should it update?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
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 information incorrect

Complaint:
Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.

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