BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX   XXXX {$3300.00} XXXX XXXX {$370.00} XXXX  XXXX XXXX {$190.00} XXXX XXXX  XXXX {$200.00} XXXX XXXX XXXX {$400.00} XXXX  XXXX {$3600.00} XXXX XXXX {$6300.00} XXXX XXXX {$14000.00} XXXX XXXX {$6500.00} XXXX XXXX  XXXX {$8000.00} XXXX  XXXX {$1900.00} XXXX XXXX XXXX {$130.00} XXXX  XXXX {$240.00} XXXX XXXX {$6200.00} XXXX XXXX XXXX {$14000.00} XXXX  XXXX XXXX {$120000.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX  XXXX {$85.00} XXXX XXXX XXXX {$2900.00} XXXX XXXXXXXX {$40000.00} XXXX XXXX  XXXX {$3600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Original Dispute Number : XXXX [ never Got worked ] New Dispute Number : XXXX I went on a Business trip to XXXX [ XXXX XXXX ] : XX/XX/XXXX thru XX/XX/XXXX I noticed a charge for {$4500.00} [ exactly XXXX Real ] after I came back from the trip I filed a dispute on citi.com from my credit card statement page. 
During my initial Dispute there were 10+ charges from the same merchant XXXX XXXX and I disputed them all. 
The City where the merchant is located and where the card was used physically is 8 Hrs away from where I stayed. 
I stayed in the XXXX XXXX area during the entire trip which is evident from all the other transaction. 
The amount that was charged is exactly XXXX XXXX XXXX. 
https : XXXXXXXX Details on how they commit this crime. 
I suspect this is what happened to me while I tried to use my Citi Card and eventually ended up using my debit card to get cash and pay for the restaurant bill. 
https : XXXXXXXX Above website explains in detail how the criminals clone a card and Use it, even if it is a chip enabled card. 

If as a layman, I can find these information and figure out how I got defrauded, I BELIVE that the SPECIALISTs can do a much better task. 

I tried to resolve the issue with citibank several times. without any luck. 
I got the old card canceled and got a new card. I am using the current one and pay off the amount that I spent during that billing cycle. 

Citi is holding on to the fraudulent charge and charging $ 100+ late charge every month.

That is hurting my Credit score. 

Please let me know if you need any further information.

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 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
****Hello, My name is *XXXX XXXX* XXXX I have been trying to complaint about incorrect problems exist in my credit report over past year but it has no success. According to my recent credit report request from Transunion.com, there are several inaccurate name, addresses on my report that might cause really bad effect to my credit profile. I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report. Here are the name and addresses that need to be removed urgently off my credit report : ************************************************ *NAMES REPORTED : _XXXX  XXXX XXXX ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ **ADDRESSES REPORTED XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ************************************* & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & Please investigate all of the negative collections : FIRST FEDERAL CREDIT Reported : XX/XX/XXXX ** XXXX XXXX XXXX Reported : XX/XX/XXXX **XXXX  XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX **XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, Reported : XX/XX/XXXX **XXXX XXXX XXXX, Reported : XXXX. XXXX, XXXX and all of the hard inquiries : XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing Contact the inquirer : MAIL ONLY _XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Miscellaneous Reptg.

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 2018-12-14
Company: Experian Information Solutions Inc.
State: MA
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 am currently disputing an unverified account with Experian that has claimed they have been able to verify as accurate information. I have asked the following credit bureau to provide me with documentation proving that this debt they claim I owe is actually mine. I have sent FOUR letters certified mail with return receipt dating back to XX/XX/2018 requesting proper verification of this account they are reporting that they stated in writing is correct and has been verified. Who verified this account? They have not provided me a copy of any original documentation required under section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it. ) and under section 611 ( 5 ) ( A ) of the FCRA - they are required to ... ..Promptly DELETE all information which can not be verified. Experian is continuing to report this unverified account despite the fact they have NOT indeed provided proper documentation. The law is very clear as to the civil liability and the remedy available to me ( section 616 & 617 ) if you fail to comply with federal law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-28
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I co-signed for my daughter in XXXX. In XXXX she allowed her vehicle to be repossessed. The name of the company is XXXX XXXX XXXX XXXX. I have constantly disputed this on several occasions. I noticed that they opened a new loan with a different account number on my report with both showing as repossessions, which has caused me the inability to get a car loan or any type of loan. Both of the account numbers are partial and incorrect. 

XXXX XXXX XXXX was closed out in XXXX. They have been contacted as well. This account also reports a partial account number. 

Amongst other derogatory accounts with partial numbers on my credit file as well.

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 2018-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am the mother of XXXX children with savings accounts in your institution. In XX/XX/XXXX, I went into a branch in Florida and opened XXXX custodial accounts. I have been struggling since then to save money for their future as every month Bank of America takes {$5.00} monthly fee from each account. At times, putting me negative and I have to add more money to just have a positive balance. To my dismay, I just found out that this is something that was not supposed to happen and the account was opened in XX/XX/XXXX incorrectly by the financial representative. The person put my date of birth instead of my childrens date of births and due to the representatives error, my children have been financially affected. Bank of America has been stealing my childrens money for years. I have been trying to save for their future, college, etc and it is to the point where I had to open accounts elsewhere because I am fed up with the theft of my hard earned money. 

I called Bank of America and was told that they could not return my kids money for the years that your institution has stolen from me. They could only go back to XX/XX/XXXX. How is this possible? The money that was stolen was not BOA money but my childrens future funds. Bank of America has been robbing us blind for years and will not do the right thing by reimbursing the service maintenance fee since the accounts have been opened as well as any negative balance and overdraft balance paid. As a Bank of America customer since XX/XX/XXXX, I am appalled at how this institution can rob childrens accounts and do nothing to fix it. I even went to an actual branch today and was told they could only do an incident report and wait 14 business days to see IF it will be decided to refund money that WAS NOT YOURS TO BEGIN WITH. I hope that this email reaches someone that can do something to change 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 monetary relief
Consumer complaint received 2021-06-07
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX Equifax and XXXX are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting this account or if this account even belong to me. I have sent XXXX dispute letters to Equifax, XXXX XXXX XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Chase Auto Finance is not providing accurate information via the IVR payment system. I had called in for several months and made payments over the phone after my husband and I separated ( XX/XX/XXXX ). The system has two options for payment. Pay the current amount due ( push 1 ), or pay the total amount due ( push 2 ). I selected the total amount due, since I thought I was a couple of days late on my payment, and owed a late fee. The system stated the total due was my standard payment plus a late fee. I was ACTUALLY 32 days past due and owed two payments plus late fees. I found this out when my credit monitoring app notified me the afternoon after I had made the payment ( XXXX XXXX ) through the IVR system. The credit reporting agencies already knew I was late, but their IVR system did not? This same thing had occurred for several months from what customer service told me that evening ( XXXX XXXX  ). I never knew I was behind. The rep canceled my morning payment and took a payment over the phone for the total amount due. Her manager admitted there may be an issue with the system but refused to make a goodwill change to the reporting of my credit. I have not had a past due payment in over 8 years. I filed a report with the XXXX. A gentleman with Chase 's executive office made contact with me more than once, but he never seemed to understand the issue. He could see that I had paid the late fee ( {$450.00} instead of {$440.00} ) so I must have selected option 2, and if that was the case, the amount I was told with option 2 was incorrect. I want the issue ( providing incorrect information via their IVR system ) resolved for all customers. Accurate information should be provided by a lender, even through their automated phone system. Thanks to their payment system, I had a 100 pt. drop in my credit. I'm likely getting divorced and now won't be able to buy a home. Things like this can have a huge impact on people lives but they don't seem to care.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2022 a FINANCE CHARGE of {$430.00} for a purchase of {$1000.00} was added on my XXXX XXXX XXXX Credit Card issued from Comenity Capital Bank. 
This is about an instant 43 % interest rate added on my original purchase price ( {$1000.00} ), and I was not told anything about this when my credit card was used. 
When the purchase was made, I was told by the representative that it would be 2 years interest free, but Comenity Bank changed this to 18 months and added a fee of {$430.00}. They showed me printout terms with type of signature that it seems electronic copy of signature!!!! 
I called Costumer Service and informed them about. I spoke with about four different representatives, and I even told them that I'm willing to pay the full amount of the balance on the card ( without this unapproved extra charge ), but no solution was given. I was constantly told that it is my responsibility to check credit card statements so I can check when this credit card company shows all added fees. According to them it is not necessary to know upfront anything about extra fees and extra charges, if everything shows on their credit card statements. 
This is very unfair practice. The customer should know upfront about all the fees, especially when a credit card company adds a fee over 43 % of original purchase!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Experian Information Solutions 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:
There's a someone else 's XXXX  XXXX XXXX credit card account on my experian credit report. That account is shown with status charge-off, which drag my credit score down. I was trying to fix this with experian and XXXX  XXXX XXXX. I submitted dispute to experian twice to have that account removed, both rejected with reason : " The company that reported the information has certified to Experian that the information is accurate. '' Called them multiple times, they always ask me to dispute this with XXXX  XXXX XXXX. I called and disputed this to XXXX XXXX XXXX too and got a reply of " we have reported correctly to experian please dispute with experian ''. I discovered this error on my report one year ago, these two companies pass the buck to each other and the issue still not resolved.

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 2018-05-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
i submitted 2 times for a modification. They will not accept my husbands income.he lives with me and he contributes his salary. This is contrary to policy ...

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 2020-06-02
Company: EQUIFAX, INC.
State: OH
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 account is incomplete and not mine. I'm ever sure who the creditor is maybe as it's not displayed but impacting my score. Also, if they believe this is my account, please validation of debt. Account # XXXX Here is the Second account listed as XXXX, but when I looked up the address it shows up as XXXX XXXX XXXX XXXX   for Account # XXXX. please provide validation of debt for this account as I'm familiar with it. 

I sent a certified letter to XXXX XXXX XXXX  XXXX requesting Validation of Debt as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Block, Inc.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My money has been there since XX/XX/XXXX XXXX XXXX I've tried to send in verification of everything I have. I can't access the the account due to phone being stolen. Cash app has assisted me well over 100 times in trying to gain access to the account and each one of those times I'm told that can't be done and no further action can be taken. Which is exactly what was done nothing to actually help me or tell me how to go about getting MY MONEY! I understand there are security measures but I'm being asked about cashtags instead of how to verify who I say I am or account statement on the transaction. I am in a huge not so good financial bind at the moment. If something doesn't happen by the end of this week my family will be without a home and maybe each other. I'm desperately asking for an answer as what I need to do or how to get past the security to access my old account. Thanks for your time... I'm including tax records, and what I have to show that the account and {$6100.00} belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: Aargon Agency, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
1. I received a collection notice in XX/XX/XXXX from Aargon Collection Agency. 
2. The collection is {$120.00} and filed by XXXX XXXX. 
3. I called Aargon Collection Agency and spoke to XXXX at extension XXXX on XX/XX/XXXX. 
4. XXXX stated the collection is for a XXXX XXXX issued to my XXXX daughter on XX/XX/XXXX. 
5. I told XXXX we never received a bill for the XXXX XXXX and furthermore, we would take our daughter to the doctor 's office and not XXXX XXXX. XXXX XXXX is a supplier of medical supplies. 
6. Any outstanding medical payments not covered under insurance would have been and have been paid to the applicable physician. 
7. XXXX stated XXXX XXXX is the worst of their clients and the number one complaint from individuals like me is because XXXX XXXX does not send out bills. They employ the collection agency rather than bill individuals themselves. 
8. This charge is 24 months old. We pay our bills. I am disputing this charge and feel after 24 months of no notification we should not be responsible for the lack of responsibility on the part of 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 2018-06-21
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I opened an account with XXXX for wireless cell phone service. I was informed I had 14 days to cancel service and return the phone I purchased and I would only pay for minutes or data used during the time I had the phone. I cancelled service on XX/XX/XXXX and returned the phone to the store where I purchased it. I subsequently received some erratic bills, and they ended up reversing most charges. They left me with a final bill of {$120.00}, but I had paid when I returned the phone. The store clerk told me what the amount was due for minutes and data usage, and I can't recall the exact amount but it was around {$60.00}. I know that I thought even that was too much, but I paid it so I could take care of it and switch to a different company. So I never knew what the {$120.00} was for and did not receive any notice of a debt collection, just XXXX bills. I attempted to dispute this with them over the phone around XX/XX/XXXX and XX/XX/XXXX but nothing was ever resolved. I don't like for this to still be on my credit report because I don't believe it is a fair charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-05
Company: AMERICAN EXPRESS COMPANY
State: NJ
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 was open a American express green credit card account on XXXX, however my credit card account was cancelled by AmEx fraud team by XXXX, they still charged my {$150.00} annual fee as I just use credit card for 11  days. I paid off all the money which i spent, and asked they refund the annual fee for me, because i just used for 11 days, that is not make any sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I spoke with someone in Customer Service on Friday, XX/XX/XXXX. I was told at that time that my Pandemic Unemployment Card would be sent via XXXX XXXX   express delivery at an extra cost of {$15.00}. I was told that it would be delivered Tuesday, XX/XX/XXXX or Wednesday XXXX XXXX, 2020 at the latest. I have benefits I can not access because I have yet to receive the card. 

I am in a very tough financial situation, as many people are, but the lack of customer service and outright lying regarding the resolution of my problem is totally unacceptable. 

I am more than dismayed that they would promise the card delivery with no intention of following through with that promise. 

Please share my immense displeasure in their ability to conduct business in a proper and honest manner. 

Thank you. 
Suffering 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 monetary relief