BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
State: UT
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 credit bureau is showing my XXXX account 30 days past due. This is inaccurate information. I have never been late

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I was a victim of identity theft. I sent a ftc report in to all the credit bureaus, per the fcra the have to block these items within 4 business days. the following Accounts XXXX XXXX at 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 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
In XX/XX/2022 I filed a complaint with XXXX, TransUnion, XXXX and I didn't receive a response back until back. Today 's date XX/XX/2022, this date is way passed the 30 days time frame allowed. i am requesting these following items be removed from my report 1. ACCOUNT NAME : 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 XXXXXXXX This account is duplicate with multiple listing as open error please delete inaccurate. ACCOUT NAME : 1. XXXX XXXX  BAL : {$150.00} charged off listed 2. ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXXXXXX BAL {$0.00} 3.. ACCOUNT NAME : XXXX XXXX XXXXXXXX XXXX BAL : {$1000.00}. ACCOUNT NAME 4. XXXX XXXX XXXXXXXX XXXX XXXX {$2400.00} 5..ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX BAL : {$0.00}

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 non-monetary relief
Consumer complaint received 2017-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK
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:
On Friday XXXX XXXX I received an email from Capital One stating my account was being closed due to inactivity. I admit I only use this credit card for emergencies and have not actively used it in about 3 years. I did use it on XXXX XXXX and again on XXXX XXXX and immediately paid the balance in full on XXXX XXXX. I called customer service the day I received the email and asked what was going on and why they were closing my account to which they were unable to help me because it was still processing in their system. The agent assured me that someone would call me back in a week. I asked them to confirm I should have a call back by Friday XXXX XXXX and they confirmed. I never received a call as promised so I called in today Saturday XXXX XXXX and gave them my info, placed me on hold so they could review the notes, came back and said they were going to transfer me to a supervisor. I spoke to the supervisor and had to tell her everything again including the fact that I 've been a customer for 17 years. She stated that it 's not in their policy to call cardholders back so she apologized that the one agent told me they would before. She continued to tell me they really do care for their customers but there was nothing that can be done. I have told Capital One numerous times if they offered to lower the interest rate I would consider using it more as my credit is really good and I have another credit card that is about half the APR that they are. I was again pretty upset so I told the supervisor that they do n't really care otherwise they would keep my account open. She did offer for another department to call me back in 3 to 5 business days but I told her why should I bother when they are going to tell me the same thing and waste my time doing so. I was done with the conversation and if I stayed on the phone much longer I may have said things I did n't mean so instead I told her to have a good day and hung up before she could state anything more from what I assume is a guidebook they hand out on how to deal with situations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: Experian Information Solutions Inc.
State: LA
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 called all 3 credit bureaus and was told to send in all my documents to sow that i had fraud committed against me.So i sent everything in and i still see the accounts on my credit I then call the documents in a 2nd time to make sure they have receive them I was told them and was going to have accounts remove

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 2021-04-17
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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 am living in XXXX, TX XXXX. I didn't travel in XXXX, TX and didn't shop at XXXX store in XXXX. Someone used my HomeDepot Credit Card to purchase total {$4900.00} at HomeDepot XXXX, TX on XXXX. HomeDepot sent me a bill to pay that amount with a due date on XXXX. I haven't been using this HomeDepot Credit Card long time and the card is still with me in XXXX, TX and I wasn't at XXXX on that date. I reported and claimed for fraud investigation. After HomeDepot did the investigation, they still sent me the letter in XX/XX/XXXX and said " We've conducted our investigation using the information the you provided about this dispute. With the information we had, it wasn't enough to support your claim and resolve thi dispute in your favor. As a result, we have re-billed the desputed charges to your account and consider our investigation complete. '' HomeDepot still want me to responsible to pay the bill {$4900.00} purchased by someone in XXXX even though I live in XXXX, TX. HomeDepot didn't alert me that my credit card was used outside of my address that I applied on my card and with very large amount of money. I also filed the police report. Since it appeared the offense was outside of the jurisdiction of the XXXX Police Department and was forward to the XXXX, TX Police Department on XX/XX/2021 and sent me this site to contact to place a fraud alert and monitor my credit 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: ZWICKER & ASSOCIATES
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XX/XX/XXXX I responded to a petition from Zwicker & Associates suing for old debt. I received no other communication or notification from said company until XX/XX/XXXX, which was a copy of a petition filing for summary judgement on the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: NY
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian 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 bureau, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the accounts completely from my Credit Report XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, 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 2017-11-04
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:
THE PROBLEM IM HAVING WITH THIS CREDIT CARD COMPANIES, IS XXXX I NEVER HAVE ANY CREDIT OR LOAN WITH BANK POPULAR, AND THEY KEEP REPORTING ON XXXX XXXX AND OTHER BUREAUS THAT IM LATE. 

XXXX NEVER LATE ON XXXX CREDIT CARD AND WHEN I CALLED THEM THEY SAID THE SYSTEM AUTOMATIC REPORTED THAT IM LATE. 

XXXX XXXX XXXX NEVER LATE ON THIS CREDIT CARD AND THEY KEEP REPORTING THAT IM LATE EVEN AFTER I DISPUTED KEEP APPEARING ON MY CREDIT THAT IM LATE. 

XXXX NEVER LATE ON THIS, I DO N'T WHY THEY DO N'T REPORT AS A POSITIVE I PAID ON TIME EVERY MONTH AND ITS IS BEEN SINCE XXXX FIGHTING AND THEY DO N'T FIX IT. 

XXXX ON ALLY BANK I WAS ONLY XXXX TIME LATE, AND THEY REPORT THAT I WAS LATE 5 TIMES, AND I'BE CALLING THEM BUT THEY DO N'T DO ANYTHING ... ... I THINK THIS IS NOT RIGHT .... 

HOW CAN I FIX THIS PROBLEM ... ... .. 

6-ANOTHER IN COLLECTION, I NEVER OWN ANY MONEY TO THIS COMPANY CREDIT COLLECTION COMPANY, AND THEY ARE REPORTING THAT I OWN MONEY, I DO N'T KNOW WHO THEY ARE ... .. PLEASE HELP BECAUSE THIS THINGS ARE KILLING 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 non-monetary relief
Consumer complaint received 2017-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
THE PROBLEM IM HAVING WITH THIS CREDIT CARD COMPANIES, IS 1- I NEVER HAVE ANY CREDIT OR LOAN WITH XXXX XXXX, AND THEY KEEP REPORTING ON XXXX XXXX AND OTHER BUREAUS THAT IM LATE. 

2- NEVER LATE ON XXXX CREDIT CARD AND WHEN I CALLED THEM THEY SAID THE SYSTEM AUTOMATIC REPORTED THAT IM LATE. 

3-BANK OF AMERICA NEVER LATE ON THIS CREDIT CARD AND THEY KEEP REPORTING THAT IM LATE EVEN AFTER I DISPUTED KEEP APPEARING ON MY CREDIT THAT IM LATE. 

4-XXXX NEVER LATE ON THIS, I DO N'T WHY THEY DO N'T REPORT AS A POSITIVE I PAID ON TIME EVERY MONTH AND ITS IS BEEN SINCE 2016 FIGHTING AND THEY DO N'T FIX IT.
5- ON XXXX XXXX I WAS ONLY ONE TIME LATE, AND THEY REPORT THAT I WAS LATE 5 TIMES, AND I'BE CALLING THEM BUT THEY DO N'T DO ANYTHING ... ... I THINK THIS IS NOT RIGHT ....
HOW CAN I FIX THIS PROBLEM ... ... ..
6-ANOTHER IN COLLECTION, I NEVER OWN ANY MONEY TO THIS COMPANY XXXX XXXX XXXX, AND THEY ARE REPORTING THAT I OWN MONEY, I DO N'T KNOW WHO THEY ARE ... .. PLEASE HELP BECAUSE THIS THINGS ARE KILLING 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 2021-10-19
Company: JPMORGAN CHASE & CO.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I used XXXX to make 3 purchase to 2 different people claiming to have items for purchase. The total of all transactions was {$1300.00}. After both people went completely silent after transferring money using XXXX. After trying to get refunded for the purchases XXXX referred me to my bank ( Chase ) to refund it, stating there wasnt anything they could do and it was to be handled by the bank. After calling Chase they stated nothing could be done by them and said " sorry you got scammed but you authorized the purchase so we can't refund it ''. I have made attempts via email, phone and text to get ahold of the sellers to no avail and Chase and XXXX refuse to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Experian Information Solutions Inc.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I want this late payment deleted from my account within XXXX days, this is not mine, I'm not aware of this, Under USC 1666b. 

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 2021-04-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
Hello i am writing to you regarding a Wire Transfer that has not been resolve, i have been speaking to different bankers regarding the issue with not receive the money i sent. Either you fix the issue or someone will not have a job. Your CEO is the worst person who is XXXX and can not keep his finances straight. i sent a a Wire transfer and i want it fix by this weekend. excuse after excuse is what i get from your bankers online and on the phone and in person. 
i better get the money soon because i have already started my process with an Attorney. You had a Technology issue and you made me have to see an Attorney for your mistake, i better have the funds back in my account and stop asking XXXX. Also Wells Fargo had a issue with the computer system and never has been fixed that is money that was wire because of their Mistake then not fixing the issue fast enough.

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 2017-11-04
Company: WELLS FARGO & COMPANY
State: CA
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:
Wells Fargo Credit card ( Cash Wise Card ) did n't pay rewards ( cash back ) on my account with the total amount of {$220.00}. 
Wells Fargo Cash Wise Visa Card stated that : '' When you use your new card to make {$1000.00} in purchase in the first 3 month, you earn a {$200.00} cash rewards bonus '', and " Unlimited 1.5 % on any purchase ''. 
On 1st statement from XX/XX/XXXX to XX/XX/XXXX : I purchased {$740.00} On 2nd statement from XX/XX/XXXX to XX/XX/XXXX : I purchased {$300.00} On 3rd statement from XX/XX/XXXX to XX/XX/XXXX : I purchased {$410.00} On the first 3 months I have used my new Wells Fargo Cash Wise Visa card to purchased more than {$1000.00} as shown above. 
I earned {$200.00} bonus rewards cash back and {$22.00} of unlimited 1.5 % cash back on any purchased. 
I called Wells Fargo Credit Card company to ask them to pay me reward cash back with the total amount of {$220.00}, but Wells Fargo Credit Card company refused to pay my reward cash back with the mount of {$220.00}.

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 monetary relief
Consumer complaint received 2017-11-04
Company: Hollis Cobb Associates
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX was performed at XXXX hospital in XXXX, GA on XX/XX/XXXX.  Insurance was filed with XXXX. Received EOB that part of the claim was denied due to XXXX not obtaining appropriate precertification. Bills started coming from XXXX and at least one phone call a month asking to be paid. EOB stated that I was not responsible for the fee. Called and spoke with XXXX and they stated they would pursue with insurance company, XXXX. Kept receiving bills and phone calls once or twice month. XXXX issued a new EOB that the previous denial had been reversed and paid more money toward claim and again stated the bill was paid in full as the rest of the balance was a contractual write off with the insurance company and XXXX and that I could not be billed. Again, the phone calls and bills kept coming. Spent many hours on the phone talking to both companies to resolve the issue. Had XXXX and XXXX on a three way call for XXXX to inform XXXX that I had satisfied my responsibility for the bill and did not owe any more. Still the calls and bills kept coming. Received a call from XXXX XXXX XXXX collection agency on XX/XX/XXXX, without written notice, that the debt had been turned over to them and they were trying to collect. Again, tried to explain that I do not owe. Again called  XXXX and they attempted to call XXXX and they refused to talk to the agent.

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 2022-03-09
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: Investigation took more than 30 days

Complaint:
I am submitting this complaint against Experian for reporting inaccurate information on the listed account below. I believe the bureau is violating Section 611 of the FCRA for reporting false information which is damaging my credit and causing me emotional and physical stress. I need EXPERIAN to provide me with verifiable proof or documentation demonstrating that the information they have is accurate. Failure to comply with the request should result in the correction of the item. 

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 2017-11-04
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received a letter from American Express that they had changed in error changed the structure of my Green Card. This was done without my consent or knowledge. The changed had caused me to incur interest and late fees unknown to me. They have supposedly credited my account the interest and late fees but have since tripled my minimum monthly payments and restricted my card usage. I feel as though theyre having me pay for their error. Theres no way I can make a minimum payment of {$2000.00}. They have threaten to report me to the credit bureau. I feel the entire ordeal is unjust and have explained to them I have no problem paying the suppose debt theyre holding me to but to balloon my monthly minimum is causing me financial hardship as a single working mother. Ive outlined all that in a letter to their Chairmans Office but have not gotten a response from them on the matter.
Ive had my American Express card for 18 years and have never had an issue with them until this error which they acknowledge in a letter to me they caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
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: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL 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 2020-09-25
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:
I have been sending dispute letters asking for this egregious bankruptcy to be removed from my report as they have not provide the original court records or documents to provide proof I filed this bankruptcy myself.

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: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
my account showed positive this morning now the bank is saying that it is in negative it is I had a credit go in the same day as transactions went out. they have changed it around so that my account appeared to be in the negative first. this is so unfair and seems to be constant with citizens bank

Company response to consumer: Closed with monetary relief