BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have submitted several disputes to two major credit reporting bureaus ( Experian/XXXX  ) in regards to my XXXXXXXX XXXX account and the numerous inconsistencies and discrepancies in their reporting. I have requested for each to provide the method of verification used to determine the validity and verification of the account and all I receive in return are notifications stating the account has either been updated or verified as accurate. If this is one account is reporting " accurate '' information to all 3 bureaus, the information reported should be consistent and match across all 3 bureaus. To date, Experian is reporting a high balance of {$0.00}. XXXX is reporting a high balance of {$200.00}. Experian is reporting date of last activity as XX/XX/XXXX. XXXX is reporting date of last activity as XX/XX/XXXX. Experian is reporting date of last payment as XX/XX/XXXX. XXXX is reporting date of last payment as XX/XX/XXXX. XXXX is also reporting a {$0.00} credit limit. Experian is reporting a {$200.00} credit limit. Experian is reporting XX/XX/XXXX payment history as " paid ''. XXXX is reporting XX/XX/XXXX payment history as 30 days late. The amount of errors being reported as verified and accurate is astounding! I am entitled to a fair and accurate credit report. The way the Experian and XXXX disregards or fail to acknowledge the inaccuracies here in regards to my requests and disputes are enraging. I have requested method of verification or complete deletion from my credit file and to date I have received neither.

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 2018-01-20
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have desperately tried to get help with this account but this company they are continuing to report information on my credit wrong No Name-XXXX past due amount missing Monthly payment missing No high balance Payment history missing XXXX XXXX-XXXX No high balance Payment incomplete also late payments are being reported when account is closed XXXX XXXX XXXX XXXX XXXX the account status is missing and the payment 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 non-monetary relief
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The basis for my dispute is the violation of 15 U.S. Code 1666b, which states that a creditor may not treat a payment on a credit card account as late unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the information required by section 1637 ( b ) of this title, is mailed or delivered to the consumer not later than 21 days before the payment due date. 
Requesting proof of notices demonstrating that the creditor mailed or delivered the required information at least 21 days before the due date for the disputed account. I am specifically requesting original notices, not copies or templates, to validate that the notices are legitimate and valid, If no such notice was provided or unable to produce such notices verifying compliance with the stated regulation, I kindly request the removal of the late payment/charge off that's null void, below is the attachment when I requested such information before.

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 2023-01-05
Company: Experian Information Solutions Inc.
State: MD
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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 XXXX  ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.

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 2020-01-07
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Ive gone ahead and Disputed 3 times with american express serve 4 transactions made in XXXX. Ive even summit ed a police report. They have denied my claim all 3 times and with the last claim denial they close my account stating that I was in violation of member agreement 15 D.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: CCF Intermediate Holdings LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt was sent to a debt collector Speedy Cash has deleted the debt and refunded my money XXXX out the debt But XXXX refuses to relinquish the debt XXXX is trying to collect a debt that has been canceled by the original debtor

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is 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 2022-01-27
Company: EQUIFAX, INC.
State: NV
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. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XX/XX/XXXX {$1500.00}, XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$1200.00}, XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX  XXXX XX/XX/XXXX {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX has been harrassing me for payment of a transaction that they made a mistake on months ago. After checking my bank records, I was willing to pay the amount. However, the confusion during this time for that amount to be overlooked was due to some fraudulent charges on my account they were investigating and has switched me to another card. They concluded their investigation and credited me those charges. But then they claimed that this particular amount was still outstanding and started to charge me late fees for it. I have made about XXXX lengthy call to them to finally track down how this amount was missed by them and differentiated from the fraudulent charges that was settled. Although I am willing to pay the actual true amount of the transaction I made and that they made a mistake and missed, they want to add late fees to it. I was only made aware of the transaction and differentiated from the fraudulent charges a couple of weeks ago. Calling and talking to the customer representative and even their escalations supervisor is not bring any results. I need someone to investigate XXXX credit card for their incompetence and harassing me on a daily basis with multiple calls. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 2023-03-03
Company: EQUIFAX, INC.
State: MD
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:
THESE ACCOUNTS ARE NOT MINE THESE ACCOUNTS ARE FRAUD. 

XXXX, XXXXXXXX XXXX ACCOUNT # XXXX XXXX, XXXX XXXX ACCOUNT # XXXX XXXX, XXXX XXXX XXXX ACCOUNT # XXXX XXXX, XXXX XXXX ACCOUNT # XXXX XXXX, XXXX XXXX ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: GOLDMAN SACHS BANK USA
State: LA
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:
i am on XXXX orders i am supposed to be protected as XXXX XXXX  under The SCRA especially when on XXXX orders i have a credit card with APPLE they are refusing to comply and the reason being is basically because i got the card during XXXX XXXX but that doesn't matter because it's a benefit through scra when you deploy for the interest to be no higher than 6 % and mine is 26.99 %

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The DISCOVERBANK XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 


DISCOVERBANK XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: TCF NATIONAL BANK
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:
I am a user of TCF bank which is a small bank located in Illinois. I already close the overdraft function in my account. 
On XX/XX/XXXX, I made two transactions to pay my electricity bill and credit card by using TCF, which is overdraft and TCF charged me {$74.00} fee twice overdraft. 
On XX/XX/XXXX, I am using the TCF bank to make a payment which is {$8.00} and they charged me a {$37.00} overdraft fee. 
On XX/XX/XXXX, I made a payment to my friend which is {$570.00}, and {$570.00} was not successfully transferred to my friend, then they still charged me {$37.00}. 
Then on the afternoon of XX/XX/XXXX, I received two letters from TCF bank and stated that I have three overdraft fees ( XXXX ), which means the last one they have not send it yet. 

I already close the overdraft function when I open this account, how can they still overdraft. 

They are located in Illinois, they spent about 12 days ( XX/XX/XXXX to XX/XX/XXXX ) sending the first letter to me. However, when I activate the Apply pay in my account, I can receive the letter notification sent by TCF bank within two days. Spending 12 days to receive the overdraft letter, rather than call me immediately. 

I have registered my email account for online banking. But I have not received any emails telling me that I have overdraft. However, I have changed the online banking email account to a new one. My old account still can receive their advertisement frequently. Even my old email account can receive your advertisement emails, why you are not able to send me the overdraft information. 

I also installed their mobile banking app, I have not received any notifications about my overdraft transactions. 

Transaction failed even charged over draft fees. 

After I received the letters and contact immediately, they insisted that they can reverse {$65.00}. 
Then I agreed because I am worried about they will charge me more fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-05
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: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, a few records require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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 explanation
Consumer complaint received 2023-06-08
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have a previous complaint filed against Citi Bank with CFPB. Please reference my account. I have waited the allotted 60 days after the account was closed to receive my funds which CitiBank has said was issued to me. I have not received them. I call them and they can not provide me details and tell me I need to wait another 60 days to receive a letter stating why. I called the Citi Bank branch in Nevada on XX/XX/XXXX and spoke with the branch manager who stated that Citi Bank had issued a check for the remaining balance in my account back in XXXX and I should have received the check by now. I have attempted to call Citi Banks executive response unit and they have only responded with letters in response to voice mails saying they will no longer respond to my requests for further details about the money I am owed and I just have to continue waiting. I have these emails and will provide these. I am owed {$8800.00} from the date of closure which is clearly stated on the last letter from the Citi Bank executive response team as XX/XX/2023. It is well past the 60 days. My account number with them is XXXX. I have been told by customer service agents that my account does not even exist but then others say it does such as the branch manager. I have screen shots and paper trails such as wire transfers from my XXXX XXXX accounts to prove otherwise.

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 2023-01-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have accounts and loans that are incorrect and some false on my credit report. I have addresses that are wrong and are on my credit e history. I have accounts and information that are fraudulent and are still on my credit report. I have not authorized any company to give out my information. I have disputed and reached out to these credit bureaus but have not have it removed. This is defamation of character and I can not financially take care of my family due to lack of funds and trust from lenders.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate things on my credit report. In accordance with the FAIR CREDIT REPORTING ACT SECTION 611 ( 15 U.S.C. 1681i ), I practiced my right to challenge questionable information that I have found on my personal credit report. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be XXXX promptly. I demand these accounts to be corrected/updated and the payment history as PAID, NEVER LATE immediately before legal action is taken due to the stress you caused me.

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: Santander Consumer USA Holdings Inc.
State: TX
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:
There was a data breach with XXXX  credit bureau during the summer of 2017 that put my personal information at risk. There was also a fake loan company, called XXXX, that tricked me into giving them my personal information including my sign-on credentials for online banking : user id and passwords. This resulted in a fraudulent auto loan from a company called Santander Consumer USA to be on my credit report. The thieves also tampered with my XXXX XXXX XXXX accounts and credit cards which caused collection agencies to be involved. I've been disputing the auto loan with Santander, but they keep asking for more information from XXXX. I asked one of the agents about more information, and she said the seven-step recovery plan they created for me is all they have on XXXX This includes letters to creditors, credit bureaus, and the FCRA. 
Sad to say I'm still struggling with identity theft right now, as I've been informed that there have been some disputes on my credit report that I did not initiate or request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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