BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
My identity was stolen and fraudulent credit cards, Car loan And hard inquiries are in 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 2023-06-01
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
COLLECTIONS ADDED TO ALL THREE COLLECTIONS BUREAUS-XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND IT IS PAID. PLEASE REMOVE FROM ALL THREE BUREAUS. 
XXXX. XXXX XXXX. EQUIFAX XXXX. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with fraudulent unauthorized inquiries

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 2023-05-25
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 submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2023-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
It's been over 30 days and the creditor, Capital One has not updated my information nor provided proof or documentation in regards to late payment. Capital One has not supplied this information and they must delete alleged payments on my credit report. Under Federal Law, they have 30 days to complete investigation. By failing to do so the items must be deleted as soon as possible. 

In XXXX around the first of the month. I wanted to make payment and was denied by Capital One 's new payment system and Capital One representatives. I was told to call back on XXXX XXXX to make a payment because there was no way for their system to take my payment because it is now outsourced to a third party. You can not pay when you want but when the days are best for their system? This is unfair and deceptive practices by Capital One taking advantage of people. 

Capital One is aware that someone is using my personal information for a bank account, that is not mine. There has been no communication or solution to someone fraudulently using my information and banking with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: EQUIFAX, INC.
State: CO
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:
Equifax is about 2 months behind on accuracy on one of my credit card accounts, XXXXXXXX XXXX. This is causing my credit score to report much lower than it truly is. This issue started when XXXX XXXX  switched my card from XXXX to XXXX 6 months ago. I've reached out to Equifax but they did nothing to rectify the issue. Isn't this a violation of the Fair Credit Reporting Act?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: TRANSUNION INTERMEDIATE 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: Account information incorrect

Complaint:
The credit bureaus continue to report my payment history inaccurately after several attempts to get them to correct it. I have sent several disputes and complained over the phone several times. 
The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-08
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX - I enrolled in XXXX  's XXXX credit security program and saw that there is a Revolving Account from CBNA opened in my name. I have used and had any CitiBank products. It is even more alarming because this account was opened XXXX ; I was born XXXX. During my phone call with CitiBank they were unable to locate any account connected with my SSN. They ask that I contact XXXX to have them give me the CBNA account number so that CitiBank could locate this account. 
XXXX - I contacted CitiBank to retrieve this account information. I was told that XXXX would be unable to give me any information about my credit profile unless I purchased their credit monitoring program XXXX ( XXXX ) for XXXXUSD. After a few moments of confusion I asked the telephone operator to confirm that XXXX  is refusing to provide me with information about my account until I purchase their XXXX  program ; to this the operator immediately disconnected the phone call.

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 2023-03-23
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Chase Merchant Payment Solution Account under invitation from Chase who offered me bonus of " Earn {$1000.00} when signing up for Chase Merchant Services and processing {$2000.00} in payments in at least 5 transactions ''. I opened the account before required deadline and finished processing required transactions into my Chase personal checking account, but I did not receive the bonus. I contacted my account manager but he said I did not qualify because the offer required a Chase Business Checking account, a reason that never showed up in terms and conditions in the offer letter ( attached ). 
I thought Chase must issue me the bonus since I finished all requirements as per terms & conditions in the offer invitation letter. It should be Chase Bank 's error not listing any other hidden condition in its advertisement to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: Netspend Corporation
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
Just got an unsolicited debit card by mail, a " XXXX XXXX XXXX Prepaid Mastercard by XXXX '' issued by XXXX. Considering that an identity thief has recently been using my personal information to request credit cards, this has given me quite the fright. Need I be worried about fraud in this instance? If this is not a case of fraud, should a business practice be allowed that is easily mistaken for fraud and identity theft and that causes customers hours of pain, worry, and loss of personal time? I tried to resolve this by phoning MasterCard, XXXX, and XXXX, but was unsuccessful since every phone number tried directed me to menus that automatically disconnect if something off-menu is wanted. If it is ok for these companies to issue unsolicited cards, they should at least be required to make it easier to resolve worries about fraud such as mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Hello my name is XXXX XXXX XXXX my DOB XX/XX/XXXX SS XXXX I seen my new report this weekend and there are definitely something that are not right on my report. My address is XXXX XXXX XXXX XXXX , XXXX XXXX, CA XXXX. I need the following addresses remove from my credit report. They are not mines : XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX XXXX XXXX CT, XXXX, CA XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: Lendmark Financial Services
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
These people, that change staff often leave threatening voice mails to take legal action and then call you the next day that I should call them and make a small payment. It is not against to be in debt. Do not call with threats one day and when you realize that what you said was illegal, call back the next day as if I did not save the voicemail transcription. These people call everyday when they know that I am at work. I get off late so I have to let them leave voicemails. Saturday comes and they call. Then they will call from what I believe is a cell phone. But when I try and call back, it is blocked. That is harassment. Once again, it is not against the law to be in debt. Maybe Im paying slow due to job issues but I always catch up. This type of behavior by their staff that changes monthly is unacceptable and very troubling. They need to know that threats will not get them paid any faster. I am recording each time that call daily and on weekends and Ive saved the cell numbers in which they call from. Ill continue to report them until your company deals with the issue. Threats will get them nowhere.Also where is my written notice within 5 days of the threats? Can I have this is writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: SIMM Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since XXXX, I have received numerous calls ( 24 hours averaging every 3rd hour ) on a debt I did not create or have knowledge regarding a XXXX XXXX account. This account is over {$2000.00} and increases by a XXXX each month. 

a. I have requested verbally and by written letters ( XXXX, XXXX, XXXX first letter ) for definition of what a " Pal Pal account '' is. Is it a short-term loan, credit account with a commercial company or credit card account. 
b. I have asked when the account was created with request for copies of the original application, which should show who applied, how applied, what data/information was entered to establish its opening. 
c. I have also requested what was purchased and to where it was send/delivered/picked-up. 

To date, I have received no information other than a demand for payment, harassment and nuisance calls twenty-four hours a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
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:
The US Department of Education had instructed Experian to delete any negative reporting from XXXX from my Experian credit report, but for some reason this was not done. There should be no information from XXXX listed on my Experian credit report it should have been deleted. The loan was brought out of default and into a positive status through XXXX XXXX XXXX. The loan was also paid in full in XXXX of 2019. According to The US Department of Education and XXXX XXXX XXXX any negative reporting from XXXX should have been deleted from my Experian credit report. I am asking Experian to do this.

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 2023-01-25
Company: Experian Information Solutions Inc.
State: IL
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy 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 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 2018-08-20
Company: Paramount Capital Group, Inc.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I wan na make sure my interest rate is fair and on the legal line. 
Because i feel like my interest rates is very high

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: Servis One, Inc., Titusville, PA Branch
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
BSI Financial services is doing the same thing to me after they already violated the Consumer Financial protection act and Truth and lending act after the CFPB just settled with them. BSI improperly handled my mortgage failing to recognize we were already in loss mitigation in the process of receiving a loan modification through XXXX XXXX During the transfer my loan sat in their office for eight months. They also stole money from my account while I was making payments ( I have proof ). They did exactly the same thing they were reprimanded for, obviously not caring about its last violation. They are now beginning to foreclose on my home. When I finally signed a modification that I had to sign or they would foreclose my first bill was over 6000 dollars so I could never get ahead or caught up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Bull City Financial Solutions, Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
BULLCITY FINANCIAL SOLUTIONS ACCOUNT XXXX BALANCE : XXXX THIS COMPANY IS IN DIRECT VIOLATION OF 15 U.S. Code 1692e AND MANY MORE. Bull city financial has failed to complete my request and afterwards is giving me false information in connection with a debt that is not owed because debt was cancelled through irs form 1099c and written off and is taxable income so how can a debt be income? This is proof of false and misleading. Also my debt validation request still has not Ben completed due to the fact of the response I received in correspondence to my validation request and it lacked all relevant information for validity of such alleged debt, such as a copy of the original contract with my signature for the debt, a full payment history from the original creditor, the name and address of original creditor and the proof that they own or have Ben assigned the debt to collect. I AM NOT REQUESTING A REINVESTIGATION! I AM DEMANDING REMOVAL OF ITEMS DAMAGING MY CONSUMER REPORT AND BEING FALSELY REPORTED INACCURATELY WHICH IS ALSO A VIOLATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE 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:
This is my fourth follow-up to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX 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 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 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 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.

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 2018-12-08
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I tried to close a Wells Fargo bank account on XX/XX/2018 that I set up for a foster child that was in my home but when I tried to close it they would not allow me to because he deposited a counterfeit check and withdrew the money before the check cleared. He is still able to use the debit card even though he is negative in his account by thousands of dollars. However the bank says that Im responsible.

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 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$0.00} Date XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened:XXXX XXXX XXXX  XXXX Balance : {$1500.00} Date Opened : XX/XX/2019 XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$4600.00} Date Opened : XX/XX/2019 XXXX XXXX Balance : {$0.00} Date Opened:XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Date Opened:XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} Date Opened : XX/XX/2019

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 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XXXX I wrote about some inaccuracies and unexplained items on my credit report, and 43 days later, I still haven't heard back. I feel as though my complaints are being disregarded and that I am being abused. According to Section 611 ( a ), it is clearly stated that items should be immediately removed from my credit report if they are not investigated within 30 days. Because it has been more than 43 days, this should happen right now. Due to the severe stress you put me under, I demand that these accounts be erased right now, failing which I will launch a lawsuit. The latest Transunion data breach has an impact on my information, which might have ended up in the wrong hands.

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