BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-22
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Been trying to open bank accounts and kept getting turned down was because of reports on checksystem so I contacted checksystem and said someone has opened accounts in my name and different ssi number and told me to contact you to get 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 2021-10-24
Company: Torres Credit Services, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon checking my credit report. I saw a erroneous collection for {$67.00} dollars. 
This erroneous collection account was from a collection agency name Torres collection.

I have no knowledge of such a amount being owed for {$67.00} dollars. This collection that appears on my credit report is fraudulent and is in error.

I want it removed.

It appears on my account every month..and no mail from the alleged debt was ever received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORTED FOR MY JPMCB AUTO ON XX/XX/XXXX AND XX/XX/XXXX. AND FOR MY XXXX  XXXX XXXX I HAVE LATES REPORTING ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX. I'VE HAD PERSONAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$440.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$630.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: EQUIFAX, INC.
State: WI
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:
I had an old medical bill that has been paid directly to the original creditor. This debt is still showing on my credit report even after disputing it, and showing proof of payment. I would like you to investigate this or else I will sue the credit reporting agencies for Libel.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I DO NOT HAVE ANY DEBT. PEOPLE FROM THE NUMBER XXXX ARE LEAVING DAILY MESSAGES WITHOUT ANY DETAILS ASKING TO CALL THEM BACK TO DISCUSS A DEBT SITUATION. 
I TRIED TO REPORT THEM A SCAMMERS, BUT THE GOVERMENT AGENCY IN CHARGE OF THAT TYPE OF CALLS SAID THAT I CAN NOT DO ANYTHING. 
PLEASE HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: EQUIFAX, INC.
State: MS
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 have contacted Equifax previously that this account fraud being reported is not my account. The account listed as XXXX XXXX  XXXX in the amount of {$500.00} does not belong to me. I have never done business with any company or signed any type of contract with them. There are also inquires from companies listed that I have never applied for any credit with XXXX or XXXX. I have contacted the company listed and called Equifax and explained this is fraud in great detail. I have given them all requested information and this information is still being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: EQUIFAX, INC.
State: LA
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: Experian Information Solutions Inc.
State: MI
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:
PLEASE LOOK INTO THE CHAPTER XXXX BANKRUPTCY ACCOUNT THAT HAS BEEN DISCHARGED IN COURT SINCE XX/XX/XXXX. THERE IS NO BALANCE ON THIS AND IT HAS REALLY BEEN AFFECTING ME INTENSELY, AND BECOMING AN OBSTACLE IN MY LIFE. I HAVE ATTEMPTING TO GET THIS ACCOUNT REMOVED OFF OF MY CREDIT REPORT SINCE XXXX OF XXXX, NOTHING HAS BEEN DONE ABOUT THIS MATTER AND I DEMAND TO KNOW WHY IMMEDIATELY. THIS IS REALLY AFFECTING MY RIGHTS AS A CONSUMER AND IS VIOLATING EVERYTHING.

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 2020-04-28
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
Stolen/lost American Express card used for 5 different fraudulent transactions. 

XX/XX/XXXX{$32.00} XXXX XXXX XXXX ( XXXX ) XXXX TX XX/XX/XXXX {$220.00} XXXX XXXX XXXX XXXX FL XX/XX/XXXX {$290.00} XXXX XXXX XXXX XXXX FL XX/XX/XXXX {$260.00} XXXX XXXX XXXX XXXX FL XX/XX/XXXX {$390.00} SKY LIQUOR XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX allowed someone to use my credit card. 2 separate transactions done at the amounts listed should have prompted their employees to question and ID the buyer. they rang up 2 separate orders clearly trying to keep each transaction below limits that the credit card company would flag. and these stores let them do it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-07
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I made XXXX scheduled ) a payment from my Firstbank checking account amounting {$27.00} for paying my XXXX credit card. Firstbank reversed the payment although there was enough balance on the checking account to proceed with payment. XXXX is now charging me {$25.00} as payment returned fee.

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 2021-07-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio Recovery Assoc at XXXX XXXX XXXX XXXX, VAXXXX XXXX XXXXeen sending me collection notices in the amount of {$680.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. Everything has to be 100 % accurate on my credit report. 

The credit bureau stated my account was properly investigated and accurate, however that is not possible because there are still inaccuracies remaining on my credit report. 
Attached is a copy of my report with the inaccuracies circled in red. 

RE : XXXX XXXX Account : XXXX In accordance with the Fair Credit Reporting act XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-07
Company: OneMain Finance Corporation
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I took out a personal loan in XXXX with One Main Financial and agreed to a {$10000.00} loan at 30 % interest. I had made payments on-time as agreed. This year due to COVID-19, I was furloughed in my role at my job and had my monthly compensation cut by over 40 %. I reached out to One Main Financial to try to modify the loan and have the interest rate cut to reduce my monthly payment amount as I have been struggling to get by this year. I did reach out to all my other creditors and they worked with me to reduce interest rates down to 6 % to 8 % in many cases. 

One Main Financial would not adjust my interest rate at all. Instead they offered to reduce my payment in half for 2 months with no reduction in interest rate that only offered very little short term benefit. They also wouldn't perform any modification as I had to provide my tax return to prove the reduction in income in XXXX as I am self employed. The problem is that I do not file my XXXX taxes until XX/XX/XXXX as I am self employed but I needed help now and One Main Financial would not offer any assistance to me. I have been a customer of One Main Financial for many years and I would have liked to have seen them work with their customers in a larger way in a significant time of need in a pandemic. 

It took me a while but I was able to borrow money from my family to pay off this loan now since One Main Financial is not interested in working with customers in distress and would rather take advantage of customers struggling by not working out a loan modification as the rest of the industry did to help customers in need.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: Revenue Assurance Professionals LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX has placed a debt on my credit report that I DO NOT OWE. I have written to them several times and told them to return this debt to the original creditor due to insurance dispute. The insurance company is reviewing this in the meantime XXXX was put on notice about this and I am demanding that this be removed off of my credit report immediately. This is a fraudulent use of collection tactics and I am demanding that they are fined in the process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Last night I checked my XXXX XXXX  account. I looked at my credit score and it showed a collection was due. The agency that reported the debt was XXXX XXXX. It dropped my score XXXX points. I contacted my bank the following day and they said I had no collections coming from them. Then I contacted XXXX XXXX, they additionally said there was no collection from them. The date listed was from XX/XX/2021. After that I tried contacting the FTC and they eventually had me do a complaint on consumer finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
They sent me an email stating that my credit score has  dropped to XXXX so they closed my account and I do not owe them anything, however, they have been calling me requesting payment every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
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: Account information incorrect

Complaint:
I applied for a rental property and the score showed as XXXX but the credit report that I have from XXXX is XXXX and XXXX  is XXXX therefore I was declined for this property.,

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 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THESE ACCOUNTS WAS NOT APPLIED FOR BY 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 2020-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Re : Full name : XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/1970 Current Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.

DPT EDXXXX {$1500.00} DPT EDXXXX {$3200.00} XXXX  XXXX {$960.00} XXXX {$640.00} XXXX  {$960.00} XXXX  {$800.00} XXXX/XXXX  {$370.00} XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$800.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ) {$960.00} XXXX XXXX  {$1500.00} XXXX  {$370.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) {$640.00} XXXX XXXX XXXX {$51.00} XXXX XXXX {$140.00} XXXX XXXX {$660.00} XXXX XXXX {$110.00} XXXX  XXXX  {$800.00} XXXX XXXX {$1700.00}

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 2020-09-23
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX I applied for my first Citi card in the branch of XXXX, CA XXXX. A Citi ThankYou Premier Credit Card, which would land me XXXX ThankYou points for {$4000.00} in spending over 3 months. At the time when I applied, I shared the concerns with the banker ( female, XXXX ) that spending {$4000.00} in 3 months may be a fickle given the outbreak of COVID, she then said : Citi is likely to offer certain benefits to minimize the issues. 
Then my first contact to Citi Customer serivce 1 month prior the offer ends ( end of XXXX ), Agent confirmed the customer whove applied for a new credit card between XX/XX/XXXX through XX/XX/XXXX can receive three more months to earn the welcome bonus. 

I then escalated to supervisor just for sure. After supervisor had also confirmed the offer for an extension of three more months ( The expiration date will be updated to XXXX. ) I have no issues checking the status of spending untill XXXX XXXX when a citi agent said she couldn't find any extension attached to the credit card, thus the promotion is expired! 

The second contact with Citi again on XXXX XXXX and explain the situtations with a customer service agent, she then apologized for the misinformation after she checked with other departments, claimed : no such offer was given. 

A supervisor was being involved, she then confirmed an extension request was made back in XXXX and it is still valid. ( which was a mindblowing experience ), I was able to have her name : XXXX, and her position : Account supervisor, to be sure. 

The third contact with Citi on XXXX, I talked to a supervisor just to confirm the extension, she confused and said nothing was showing on her side ( Rising the discrepancy of the policy ), she can only offer XXXX reward points as an apology for the mis-information. 

Moreover, it is ridiculous for such time-consuming conversations, since they have voice-recording policy everytime when I speak to a supervisor, which just an undeniable fact that they ignore the fact intentionally and cause a painful experience to customers. 

Overall, I have been given the wrong information over and over again, yet Citi can't even communicated well on this, I've found XXXX reported the extension policy in XXXX ( https : //www.cnbc.com/select/coronavirus-credit-card-sign-up-bonus-extensions/ ), which Citi is included, I also collected evidences from my friends and myself showing they have made such statement. Please refer to the 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 non-monetary relief
Consumer complaint received 2020-04-28
Company: Experian Information Solutions 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:
I have contacted XXXX, XXXX, and Experian, several times by mail and by phone. This is regarding an account with XXXX XXXX XXXX. I have also contacted XXXX serval times by mail and by phone. The account is reporting on my credit report is inaccurate, not valid, and not meeting FCRA requirements. I have sent 3 letter to each credit burau and three letters to XXXX informing them the account has yet to be removed. The credit bureaus have not provided me any documentation showing how this account was " allegedly '' verified. I have file for identify theft and a credit feezed serval time as my information was apart of a data breach.

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 2020-11-07
Company: Credit Plus Inc
State: MD
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:
Ive filed a dispute in regards to the incorrect items on my Credit report it has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation