BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am submitting this complaint about XXXX  credit reporting agency. I recently submitted a dispute with them in regards to my XXXX  mastercard. It is marked on my credit report that I was more than 30 days late ( which is incorrect ). Today XX/XX/2020 I received a report with the investigation results. It shows my previous activity then shows the results after the dispute. ( They are the same ) yet it notes that there were some changes. Due to some work loss being laid off from work due to the corona virus I had lost some work. My company had closed. I immediately contacted XXXX XXXX and advised them if they can work something out with me as far as payments till I return to work. I was told I can participate in a 3 month program where my interest rate will be lowered and my payments would be lowered. I stressed over and over that I don't want this to be reported to the creditors as late I was assured it would not be as long as I made the monthly payment. I even made more than what I had to make. I am still be marked as 30 days late. Which in turn is affecting my credit score in a very negative way. I contacted XXXX XXXX  and told them the issue and was advised again that the 30 remark would be removed and corrected and was given an apology for the error. It was never removed. I was then told dispute it with XXXX  again. Well trying to submit a dispute online I can't do. There website keeps coming up with error message. I am upset that due to national disaster and loosing work affected my credit score like 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 2020-01-23
Company: JPMORGAN CHASE & CO.
State: OK
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX : Merchant " XXXX XXXX '' charged correct amount of {$400.00} for " moving service ''. The merchant then continued to manually charge my credit card number without authorization for additional {$400.00} on XX/XX/XXXX and again {$400.00} on XX/XX/XXXX. I contacted the merchant multiple times and could not get a response. I contacted Chase credit card Fraud service and went through the fraud steps -- submitting a letter and text message documentation supporting my argument. Chase reviewed my documentation and refunded my fraud charge. Then the merchant " XXXX XXXX '' responded to chase without documentation and Chase Bank went back on their decision and charged my account an additional {$400.00}. I tried working with them further but received no help. I cancelled my credit card and changed banks because further issues occurred where Chase was withholding my other funds without reason. Over 6 months after cancelling, I received late bills from this credit card. I called to resolve and got some of the late fees taken care of but not all. I just received a letter that my credit score has been negatively affected by this fraud charge and incurred late charges due to the incompetence of the credit card service not shutting my card off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: Experian Information Solutions Inc.
State: AZ
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 am a victim of identity theft. Someone stole and used my credit cards and made fraudulent and unauthorized transactions on all 3 of my credit card accounts. My entire credit limit was used and all the transactions are fraudulent and unauthorized. The following credit card accounts are lost/stolen : XXXX XXXX XXXX credit card account, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX credit card account, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX credit card account, XXXX, the accounts are lost/stolen and all of the charges/transactions are fraudulent and unauthorized.

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 2021-01-28
Company: Patient Accounting Service Center
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I went to XXXX XXXX XXXX to get tested for XXXX. The hospital had a tent outside their emergency entrance where patients can come in to get tested. After I filled out my information such as name, address, social security number, I was visited by a female doctor who tested me with a swab in my nose. She said within 2-3 days I will get the results by a call from the hospital. 
After waiting for 4 days and not getting any calls, I went to the same location to ask about my results. The security guard said the only way I can get the results is by calling the hospital and he provided me with the phone number. I called at least 5 times and either the male receptionist would ask me to hold which I did for almost 15 minutes or I would get disconnected. So I never got my test result and I gave up. 
Few weeks ago and today, XX/XX/21, I received a call from phone number XXXX XXXX XXXX which is a collection agency telling me that I owe the XXXX XXXX {$180.00} for the test. I told the lady that they didn't even provide me with the results. She said she will note the file. This happened on the first call. Today 's call was automated asking me to pay the {$180.00}. 
Finally, even though I provided the hospital my correct home address, they had sent the bill to my previous address which is at my sister 's. She called me saying I had a bill from the hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX please be advised that a copy of this letter has also been sent via certified mail. 

the XXXX, transunion and XXXX credit reporting agency have all been dishonest in its investigation of this chapter XXXX & chapter XXXX bankruptcy being reported under my name, after receiving my credit report it was confirmed that the company XXXX XXXX was the supplier of this invalid account being reported, so I called them to request that I have this validated and they stated that they have not validated this debt with XXXX, XXXX or transunion, furthermore I went to the federal bankruptcy courts ( letter attached ) to attempt to gain any information being reported and they gave me an official statement that they do not furnish information to anyone or any credit reporting agencies. According to the bankruptcy court ( letter attached ) they do not verify bankruptcies with the credit bureaus. 

I demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or delete the bankruptcy from my record according to FCRA, Section 609 a ( 2 ). 

please provide me with the courthouse name, address, phone number of who verified this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
( NOTE : I LISTED THE WRONG CREDIT CARD CO. NAME ON MY PREVIOUS COMPLAINT ID XXXX ). CORRECTION BELOW. 
XX/XX/20 : XXXX XXXX ( XXXX ) IS REPORTING OUTDATED XX/XX/20 INFORMATION TO EXPERIAN & ALL CREDIT REPORTING AGENCIES. THIS IS THE ONLY CREDIT CARD COMPANY WHO REPORTS OUTDATED INFORMATION. WHY???

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 2018-02-07
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:
Transunion is reporting inaccurate addresses, names, and SSN variation for my account. 

Between XX/XX/XXXX and XX/XX/. I have called Transunion several times. 

1. On XX/XX/, I sent a handwritten letter to Transunion ( certified mail, receipt attached ) asking them to remove incorrect addresses. 

2. On XX/XX/, I sent a notarized typed letter to Transunion ( certified mail, receipt attached ) asking them to remove incorrect addresses. 

I have sent 1 handwritten letter and one type notarized letter ( all  certified mail ) disputing incorrect addresses on my credit report and Transunion has failed to delete the addresses.

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 2021-01-28
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I previously contacted Citibank multiple times to address this issue, they have failed to comply with my request. This is my last attempt to try and resolve this issue before taking legal action. Please find all required documents attached.

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 2020-05-22
Company: PNC Bank N.A.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Every month XXXX XXXX calls and harassers us and lies to try and get us to make payments stating our payment is late when the payment is not even due, he called about 3 times a day and it very aggressive and nasty. He called and spoke to me and was so nasty i hung up then he called my husband claiming we owe {$700.00} my husband told him we don't owe anything but a couple late fees and our monthly payment which is not even due yet. When my husband caught him in his lie he changed the subject and said he wanted the payment anyway. We explain we caught up on our payments and we were on time he refused to listen and get very angary and aggressive. My husband told him to stop calling us and he said no he would be calling every day 4 times a day. My husband told him if he wanted payment for late fees that is what he should says because customer service told us that the payment of the late fees were put on the back of the loan as long as we kept making our monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: EQUIFAX, INC.
State: CT
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:
On my XXXX It is showing that I still have a car loan when in fact it is paid off and I have title.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
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: Information belongs to someone else

Complaint:
everyone is aware of the many data breaches. my wallet was stolen a while ago while i was hospitalized, and that was a mess and soon after, when i was turned down for credit, i reviewed my credit report to find several accounts/creditors, and other inquiries, obviously the thief is trying to get more credit. i've always had perfect credit, and this is ruining my ability to commerce. my mother is coming from XXXX to live with me, and i need to have access to credit options, to take care of her and myself, can anyone please help me. i have contacted the bureaus several times, and they have refused to remove this negative information off of my report. being from another country i can not understand how anyone can put something on a persons report, and then the innocent party pays a cost. ve written the bureaus and the creditors asking me to provide the contracts with my wet ink signature, and to date not one has responed, and the negative information remains on my file, can anyone please help 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 2022-11-06
Company: EQUIFAX, INC.
State: MA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your company notice pursuant 15 USC 1602 ( k ) that your company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your company did even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. 

According to 15 USC 1602 ( K ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such noticed may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since i was not aware of the transaction therefore made uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. 

I hereby request you do the below mentioned things, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  DELETE. THESE LATE PAYMENTS IN PURSUANT TO 15USC 1681a ( d ) ( 2 ) ( i ) From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), the term " unauthorized use '' means a use of a credit by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

I hereby request you to do the below -mentioned things, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE THESE ACCOUNT OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( 4 ) If you accept my request, i will not escalate this matter to Federal Court. in case, you dont accept the above request, a legal action shall be taken against your your Company for compensatory damages. 

Thank you for your attention to this matter. 

Sincerely XXXX XXXX XXXX Right Reserved Without Prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
This is in to ref # XXXX my XXXX complaint against Equifax filed with you XXXX XXXX. On XXXX XXXX, XXXX Equifax choose to contact me ( consumer ) instead of reporting to you ; sending me an email of a investigation ( basically no changes to my report ; attachment ), when in fact I did not contact them ; I contacted The CFPB. Then to add salt, Equifax waits till the deadline to request an additional 30 days to reinvestigate. 
It appears to me someone is playing games. Especially, enlighten of this security breach of information cover-up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: Experian Information Solutions Inc.
State: TX
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 pulled my credit report and saw inquiry on my report that I had question about I sent the letter to credit bureau to validate or please remove if they can not provide proof to please remove they said they can not dispute or remove that it can not be done I told them due to fair reporting credit act section 1681 that if the can not validate it has to be remove they told me that it was not possible to remove I talk to the supervisor but did not want to help

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 2020-09-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I do not recognize this account, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not 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 2017-08-10
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
In XXXX XXXX I made a payment arrangement with Synchrony Bank who is representing HHGREGG to make monthly payments of {$23.00} because of financial hardship. The representative that contact me informed of the terms and asked if I would agree to automatic draft withdrawal. I agreed to the automatic draft withdrawal, I set the date with them and also made a payment for {$46.00}. They made an extra withdrawal out of my account and had to send me a check for payment. Fast Forward to XXXX when I receive a threatening collection notice advising I was not keeping the terms of our agreement and not making the monthly payments. I contacted the company discussed the conversation from XXXX and advised I assume the automatic draft was taking place since I had not heard from them since XXXX. The representative went through the same process again and stated everything would be handled. I 've been making the {$23.00} as promised monthly. In XXXX XXXX I started working with XXXX XXXX to get my finance in order and at an affordable amount. I advised XXXX of the agreement with Sychrony and asked if they would send a proposal and make sure the {$23.00} payments was made to them timely. XXXX agreed. Several proposal for {$25.00} has been sent to Sychrony and have declined to the agree of {$23.00}. I continue to send them payment every month for {$25.00} however, Sychrony is not keeping their promise. They continue to send me collection notices and charge me late fees. They have even affected my credit score even more by reporting me being late every month. I am request that Sychrony be required to keep the promise we made for {$23.00}, remove the negative reports from my credit account from XXXX XXXX XXXX and agree to allow XXXX to continue to work on my behalf and accept the proposal.

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 2018-09-17
Company: CITIBANK, N.A.
State: SC
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:
In XXXX of XXXX I obtain and Citibank XXXX and had to submit a {$200.00} payment to secure the car. I use the card and in XXXX the company closed the account. I a balance of around {$50.00} and left approximately {$150.00} left of my original secured deposit. After much discussion I was told it would be 60 days til I received a check for the remaining desposit. 60 days came and went and called again. They said check for {$130.00} and change would be mailed on XX/XX/18 and probably received around the XXXX. That would be 100 day mark. called again today and they have charges additional {$51.00} fees on the account and the payment has not been processed. After being transferred to several people I was told no manger available and will get call back. I have been told this before with no call. This appears to be a scam to collect fees on a closed account so they do not need to reimburse 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