BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-20
Company: EQUIFAX, 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:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANYS DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have an inaccurate account on my profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10
Company: Ability Recovery Services, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have previously requested validation and verification of an item listed on my credit report. The collection company ( as well as the credit bureaus ) have failed to produce any documentation that was requested. Copies of their response are attached. A copy of a " balance sheet '' does not accurately constitute verification. There is no accounting of the original agreement, no accounting of any payments or the dates payments were made, the interest which had accrued or any late fees assessed.

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 2021-02-13
Company: SYNCHRONY FINANCIAL
State: NY
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 got synchrony bank XXXX XXXX card. They never informed me that my promotional interest expired. I had it set up on automatic payments. I opened my statement and realized that I have been charged 27 pct apr for the past 2 years. They should send a physical letter informing customer that promo period has ended and u going into interest period if u dont pay in full. They trying to tell me that it was mentioned in one of the statements but they well know that when u have on auto pay no one looks at the statements and hence they should be sending letters. I basically paid interest for two years at 27 % apr which In itself is super high. When I realized they have been openly stealing from me i repaid in full. This product is really pushed by dentist and other doctors and the way Symphony communicates or rather doesnt - they encourage u to go paperless and automatic it gets American consumer further in medical debt. Basically my procedure cost me 50 pct higher than original cost. This must end

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 2018-01-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is reporting wrong information on my credit report.

XXXX and XXXX  and Eqifax have two different open date when the account begin.

How can one account open on two different day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-17
Company: EQUIFAX, 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:
I recently applied for an apartment and I got denied again. I didn't know why so today I checked my credit report once again. While doing so I saw items that are not mine. I reached out to the FTC and to my local police department and I am doing this on my own behalf. Again these items are not mine and all need to be deleted from my credit report. XXXX  XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX   XXXX XXXX, XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: TD BANK US HOLDING COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I had this account set up on auto pay to XXXX every month n my bill. I paid the bill off I assumed th auto paymnt was still set up as it is on all my other cards. I made a purchase from XXXX for XXXX. I never received a bill from TD Bank. I am set up on paperless billing. I went back through my email and can not find a bill. The monthly minimum due was XXXX with no interest. I have bever been late or missed a payment. I suffered the lost of XXXX family members. I assumed my bills were paid because I never received a notice or call that they turned off my auto pay. I received a notification that a payment was due. I was puzzled because my auto was set for XXXX. So I called TD Bank. And was advised By supervisor XXXX that was my problem not there's he removed the late fee of XXXX. I asked why I never received a bill or call. My bill was XXXX a month. So not my credit was reported as 30 days late he said. If I didn't receive a bill or they shut down my auto payment. Not my fault. I want the 30 days late removed from my credit report. I have paid this account in full and will never do business with them again. I felt like i was being discriminated against. For not receiving my bill or a call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-18
Company: ERC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A company called XXXX XXXX XXXX has put derogatory marks on my credit report for the amount of {$950.00} dollars. I have never heard of or dealt with this company ever before.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After noticing the debt on my credit report, I sent a Debt validation letter to Law office of Mitchell Bluhm. A request was made pursuant to 15 USC 1692g Sec. 809 ( 6 ) of the FDCPA. As stated in the law, Mitchell Bluhm did not cease collection activities, in fact, they continued reporting to the credit bureau. To date, I have not received a letter or phone call from the Law office of Mitchell Bluhm or any attempts by the debt collector to  validate the debt they believe I owe. It has been more than several months since they placed the debt on my credit report and More than 1 month since I requested validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09
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 status incorrect

Complaint:
In XXXX of XXXX I called the creditor to defer my payments on the account due to COVID and the negative impact it had on my income. I was advised that this would NOT negatively impact my credit and was given a 60 day deferred payment. I called again on XX/XX/XXXX and was told that {$530.00} would be due on XX/XX/XXXX ( the agent XXXX to spoke was XXXX ). I again asked for the reassurance that my account was at no risk for being in default or that it would be negatively reported to any of the credit bureaus. I was assured that due to COVID and entering into the deferment that it would not. 

I called again in XXXX for another 60 day deferment, at which point I also made a {$760.00} payment and was told there was then {$0.00} due. The agent told me my next payment would be due in XXXX. 

I received a call on XXXX from the creditor saying my last payment of {$760.00} did not go through and that I was 41 days past due!! I paid what I could totaling {$530.00} to bring the account current. The remaining amount of {$240.00} was scheduled on XX/XX/XXXX, with the next due date XX/XX/XXXX. 

I then found out my account was closed XX/XX/XXXX ( at which point I also made a payment of {$1500.00} on XX/XX/XXXX ) and was reported for 30 day lates on XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX!!!! I was SHOCKED to see this after what was communicated to me and given the circumstances during COVID. 

The result of this has greatly reduced my credit score and has put a hinderance on me and my family purchasing our new home. I feel I was poorly communicated to and was very misled on the outcome of my deferment after being VERY well assured that this would not impact my 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 2020-04-26
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I reviewed the statement on a credit card. I've had a credit card through Citi for 10 years, since I was XXXX years old. Today, I noticed a charge for payment safeguard program. I don't recall signing up for this program. I did some research and found that the CFPB settled with Citi regarding its deceptive practices of signing customers up through the payment safegaurd program. I contacted a representative through Citi 's mobile app chat system, and requested to cancel Citi 's Payment Safeguard Program. I was told to call Citi 's 24/7 hotline to cancel, and that my request was not able to be done online. I called the number the online representative gave me. I was transferred twice before I got a hold of the representative who purportedly was to handle my request to cancel. However, the person told me that I am not able to cancel through the 24/7 hotline as I was previously told, and that Citi only allows people to cancel during business hours on Monday-Friday. I informed the representative my concern of being shuffled around to cancel a service through Citi I did not want. I believe Citi is continuing its deceptive practices and intentionally created a system where consumers face obstacles to cancel its add-on services.

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 2021-12-08
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX  XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, Transunion and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 
I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.

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 2021-02-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello : Almost 2 years ago Chase Bank closed my law firm bank account ending in XXXX arbitrarily, capriciously, unethically, immorally, illegally and without remorse, for apparently no legitimate reason, other than what I reported to you may have been due to discrimination, political, targeting, or other malicious reasons. I have recently filed a complaint with your office about how this action is now being repeated at my current law firm bank account with XXXX ending in XXXX, and this is currently an open complaint at your office. Now please see this attached CHASE BANK WRITTEN ADMISSION OF LIABILITY AND FAULT, which I literally just received, that appears to admit what I complained about before in my complaints against Chase Bank, and coincidentally arrived just when XXXX has prepared to close my account unfairly, without reason, again causing massive disruption, destruction, destabilization, disorientation, humiliation, and blacklisting of me and my law firm, and consequently my little baby XXXX who is only XXXX years old, for whom I opened up a small starter bank account with XXXX with his aunts birthday gift money of {$500.00}, and now towards my loving wife XXXX who we also opened up a bank account with XXXX a few weeks ago. Please look at my previous complaints against Chase Bank, re-open them in light of this new and attached CHASE BANK WRITTEN ADMISSION OF LIABILITY AND FAULT, and also use it to look at my most recent complaint against XXXX, currently open at your office, to see if it shares any commonalities to the criminal and civil allegations that I raised, therein. I even visited the physical Chase Bank branch on XXXX XXXX, XXXX XXXX, NY XXXX this past week where I spoke with XXXX, this personal banker who both sheparded and supervised this Chase Bank closure 2 years ago, and although he said that he would get back to me about the attached letter, he never did. His equivalent at XXXX, who also promised to get back to me this past week was XXXX XXXX at the XXXX XXXX, XXXX XXXX NY XXXX, as well as his counterparts at the XXXX XXXX XXXX branches XXXX XXXX and XXXX XXXX XXXX, who seemed to both mock and trivialize these troubling events. Please urgently investigate and advise, as these people have also blacklisted me from banking at their banks, and other banks whom they share information with, thus depriving me of life, liberty, property in violation of the United States Constitution and my inalienable human rights and civil liberties as a quasi-governmental body since they are dependent on loans/money from the federal and state and local government. I enclose a few articles that I wrote recently and a few years ago wherein these banks misconduct and bad behavior inspired me to write a few op-eds about their collective actions - see XXXXXXXX  : XXXX and XXXX : XXXX Kind regards, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-08
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: AMERICAN EXPRESS COMPANY
State: VA
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:
My American Express credit card was closed without warning. There was recent fraud on my account because my identity was hacked online and next thing I know the account is closed without any warning nor contact made. To make the situation even worse the reward points that I worked hard to acquire were taken away forfeited for no fault of my own at all. I earned those points with my spending of my hard earned money and also paying it back. They had to right to take my points and just cancel my account. I want my points that I earned back and getting bullied by a multi-billion dollar company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
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: Problem with personal statement of dispute

Complaint:
I have entered into a repayment agreement with XXXX to satisfy the outstanding balance in 3 monthly payments of {$260.00}. The last payment is due XX/XX/2021. However, the attached information indicates that XXXX has made errors in the balance owed ( {$1100.00} ) and the amount of the payment due ( {$740.00} ). These errors by XXXX are being reported to the credit bureaus are they are harming my credit history. 
I have raised them numerous times to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 
I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: DISCOVER BANK
State: CA
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 company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for these companies to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: Exeter Finance Corp.
State: GA
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:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation