BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-13
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX 's computer system committed an error and cancelled the already established automatic payment to this vehicle account ; triggering two late payments one year apart. 

ever since the inception of the loan XXXX has failed to establish the automatic payment appropriately, making it an unreliable method to assure consistent and accurate payment to my auto loan. 

after i spoke to XXXX 's representatives at XXXX i was told that XXXX for some reason expired the established payment method after every 12 months thus causing the damage. they said they would fix the reporting and that has not happened. most recently the month of XX/XX/XXXX has not elapsed and am already again being reported late even after the payments have been made on time. proof attached.

consequently, my credit reflects two late payments caused by XXXX XXXX 's error to maintain a reliable and accurate automatic payment method.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I initiated a small transfer ( {$3700.00}. ) from an external bank ( XXXX XXXX  ) to my Chase savings account on XX/XX/18. I was told by Chase the funds would be transferred in to my Chase account on XX/XX/18. On that day I logged into my Chase account, and there was a notice that my account had been suspended for suspicious activity, I had received no notice from Chase-no email, no text, none whatsoever, and I was scared that someone had accessed my account. I cancelled my appointment to meet someone, and called them. I literally had to speak to 4 people until I found out why they suspended my account-it was due to the transfer I had requested into my Chase savings account!. I was on the phone for close to an hour about this. They called XXXX to ask if I had the funds to cover this, and XXXX confirmed that I did have the funds. Then the Chase representative asked me, " What is the purpose of these funds you are transferring? '' I told him it was none of his business, and he said he would not transfer my funds if I didn't answer! I finally told him it was to buy something, but I felt violated and harassed by his coercing me to say this. I have filed a complaint with Chase, but I am contacting you because despite multiple calls to them, with multiple promises that the funds would be transferred, it has now been 5 business days, and they still have not transferred my money into my account. The money is listed under transfer activity on my Chase account 's website page ( see attached ), but it is not even listed as pending. I have been a customer of Chase for many, many years, with not one single reason for them to do this. I have transferred funds with no problems in the past, NEVER EVER had any NSFs or any other problems. I have also complained to their Executive offices, and they promised me a return call, but they never called me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
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 want this late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXXXXXX. Please repair and update these accounts immediately.

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 2018-04-28
Company: AMERICAN EXPRESS COMPANY
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 have an unauthorized inquire on my XXXX report. below is the information : Institution Information Amex XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Date : Inquiry from XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had reached XXXX XXXX, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been 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 non-monetary relief
Consumer complaint received 2021-05-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
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:
I am a victim of identity theft and I have some fraudulent items on my credit report that do not belong to me and I do not recognize, nor did I authorize them. Can you please delete and block the following information on my credit report. Transunion, XXXX and XXXX refuse to follow the rules set out by the FCRA and the CFPB. If they would investigate the accounts that are reporting on my credit they will that they don't belong to 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 2022-11-21
Company: CITIBANK, N.A.
State: MD
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:
I would like to appeal this result and see no way to do that through your website, which is why I reached out to the CFPB. 

Per federal guidelines, I am requesting this credit because of false advertising. I have a credit slip and I have lots of documentation. Bad service and service not rendered are eligible reasons to dispute a charge, even though I willingly made the purchase. The Fair Credit Billing Act gives me the right to dispute charges in case I am dissatisfied with the transaction through a process called Claims and Defenses. I contacted the merchant multiple times ( as shown in my evidence ) and we were unable to come up with a reasonable resolution, which is when I reached out to you at Citi. I attempted to resolve the issue over several days in good faith, she offered me only my security deposit back ( which I was already entitled to, less {$50.00} for a damaged pillowcase that I didn't know about ) despite the fact that the pool and hot tub did not work for the entirety of our stay ( among other things ). 

There was no way for me to know the home was in disrepair until I stayed in the home- I even purchased two extra nights in an effort to avoid something like this and to give the owner ample time to fix the issue. She did not. I'm surprised that as my credit card servicer, that you aren't on my side here. 

I have also submitted complaints to the attorney general in Arizona and Texas ( where the businesses are registered ) and the XXXX  in an effort to try to resolve this reasonably with the merchant and they have refused to respond. 

So again, there is no clear way to appeal, and I would like to appeal immediately. 

Thanks, 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 2017-12-18
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
To Whom It May Concern, This is the same complaint that I had a couple of years ago when I was trying to pay off a particular loan and was making payments. My balance was not going down and I got some XXXX response from this company. 

Again, Im making payments to pay off another loan and my balance is not going down. Where are my payments going? Do these people know what they are doing? I want a breakdown off all my payments made and what loans they are applied to since my balance is not decreasing when I make payments towards them. 

On XX/XX/XXXX made a payment towards a loan that had a balance of XXXX on XX/XX/XXXX the balance is still the same? Where is my payment that should have been applied? On XX/XX/XXXX another payment was made in the amount of XXXX. Now you would think that my balance is XXXX plus one months interest. NOPE ITS STILL {$2900.00}????? 
This company is defrauding me and the company should be investigated by the CFPB. This is an Unfair Deceptive Abusive Acts and Practice and they are pyramiding payments which is against Regulation AA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: Experian Information Solutions Inc.
State: NJ
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:
There are inaccurate accounts on my credit profile which need to be deleted. I have contacted the bureau before but a negative account still remains.

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 2022-11-21
Company: CITIBANK, N.A.
State: OH
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late For any purpose

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 2023-04-11
Company: Experian Information Solutions Inc.
State: MT
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance : {$0.00} and XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$670.00}. Please delete ASAP.

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 2020-08-10
Company: I.C. System, Inc.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was notified by my credit monitoring that a Collection Item was on my account with a date of XX/XX/XXXX from IC Systems XXXX XXXX, MN attempting to collect a debt not owed from XXXX. 

IC Systems never sent a notice of debt collection. 

XXXX stated in a phone call on XX/XX/XXXX at XXXX Eastern Time with XXXX that the bill was a mistake, the equipment was returned on XX/XX/XXXX and to disregard the bill. 

I spoke with XXXX from XXXX on XX/XX/XXXX at XXXX Eastern Time, who  confirmed there is be a XXXX balance on the account. 

I have not received a bill from XXXX since. 

IC Systems is required to send a notice of collection, which it did not. 

XXXX has already removed the collection from my account after dispute, XXXX is still reviewing the account.

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 2023-10-09
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Regional Management Corporation
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: Account status incorrect

Complaint:
HI, An unknown personal loan was added to my credit report which was never taken by me and opened fraudulently. The company Regional Finance which claimed that I have taken the loan hasn't helped in fixing in the issue but was rather more focused on collecting the debt amount of {$1500.00} which I have not taken and the interest has been charged every month. This has greatly affected my credit score and shows at charged off on one of my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: Exeter Finance Corp.
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Exeter Finance calls repeatedly from different numbers after Ive requested a legal signed documentation for said debt. Exeter continues to say go to dealership but in order to report or collect a debt they must have a legal signed documentation with my name on it. Ive requested that from them but never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
A fraudulent purchase in the amount of {$630.00} was made to XXXX XXXX on XX/XX/2020 posting to my debit card account on XXXX XXXX. I called XXXX XXXX and Bank of America to report fraud since I did not make the purchase. XXXX XXXX informed me that the merchandise was sent to another address that is not mine and the transaction does not appear on my account history at XXXX XXXX. XXXX XXXX informed me that I would have to go through Bank Of America, my bank, to resolve the issue. I am a regular customer at XXXX XXXX but did not make the purchase or receive the merchandise. Bank of America has attempted to research my claim but each time concludes no fraud. However, they fail to give me specific details of the research and XXXX XXXX has no record of Bank Of America reaching out to them.

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 2021-12-22
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have requested a copy of my credit report twice to no avail.

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 2022-02-03
Company: Global Trust Management LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX Phone call. I stated that I needed documentation/verification of debt sent to me. I stated that I would not provide personnel information over the phone regarding debt or payment. They stated they were working on behalf of XXXX XXXX which I did not recognize and stated so. 

XXXX Phone call. Aggressive, attempted to intimidate me and kept cutting me off. Would not let me finish sentences and was threatening tone when I apparently used the wrong word for the item I had requested. Wanted me to confirm banking and payment over the phone. I stated that I still have not received the requested documentation/verification. I also stated that I would not pay blindly without the documentation/verification I have requested to safeguard that they were handling the debt. He continued to talk over me in the same aggressive manner and then hung up while I was speaking. 

I feel that this was improper conduct, aggressive tactics and and they were threatening to take actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I disputed a Bankruptcy.I questioned how the Bankruptcy information was obtained and the Response was the Us Bk ct/Us District court which is an incorrect Identifier.However I contacted the Court and their Response was they Do not report to Any Credit Bureaus.So this has to be lie or an Error.Also I did not Give Permission To Share my info which is a violation of my Right to Privacy.

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