BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-16
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I corresponded with these companies over 30 days ago and asked them to investigate disputed accounts and provide proof with my signature or their method of validating these accounts and they have failed to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
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 no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-28
Company: JPMORGAN CHASE & CO.
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 is missing that should be on the report

Complaint:
I'm sorry I did not document the dates I contacted Chase Bankruptcy 's Department XXXX. It was a few times since the year XX/XX/2011. I asked them why they would not report my payments ( which were all timely ) to the credit bureau 's and I was told because I went bankrupt. I don't understand for I asked my lawyer not to include them in the bankruptcy. 

In my last conversation with them I asked them ; " If after the 10 year period, which is soon, will you report my payments then? 

They said no. In other words, forget about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: CITIBANK, N.A.
State: WI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I deposited $ XXXX per bank terms, bank charges us $ XXXX  monthly service fee improperly causing funds became low and then continue charging {$30.00} fees which are fraudulent fees. 
Need full refund Also account was opened in response of Citi solicitation to deposit new funds of $ XXXX for reward of {$500.00}. 

Citibank is practicing bite and switch

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 2020-10-28
Company: Square Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I received an unsolicited Cash App debit card in the mail the week of XX/XX/2020. I was able to verify that an unauthorized account was opened with Visa on XX/XX/2020 and XXXX XXXX  on XX/XX/2020. XXXX canceled the card and XXXX XXXX  closed the associated account ; however I have been unsuccessful in closing the Cash App account which was fraudulently opened in my name using my mailing address. 

I contacted Cash App via XXXX first on XX/XX/2020 and received instructions to close the fraudulent account through the app by logging into the unauthorized account. Since I did not open the account myself ( as it was fraudulent and not opened by me ) I had no way of doing so. 

Since that initial email, I have had email correspondence with XXXX ( XX/XX/2020 XXXX XXXX ), XXXX ( XX/XX/2020 at XXXX XXXX  ), XXXX ( XX/XX/2020 at XXXX XXXX ), XXXX ( XX/XX/2020 at XXXX XXXX ), XXXX ( XX/XX/2020 at XXXX XXXX  ), XXXX ( XX/XX/2020 at XXXX XXXX ) who have each replied with various follow up questions. Some including requests for specific amounts and dates of fraudulent transactions are not answerable as I do not have access to the account. I have not had sustained correspondence with a single person at Cash App as a different person replies to each email I send. I have uploaded photographs of the physical card with the account numbers, expirations dates, and security codes. As Cash App does not have a live customer service line, I have not had any success in reaching a live representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I sent a dispute letter to LVNV Lending Company, XXXX XXXX XXXX  and XXXX  credit bureau regarding a collection/charge-off that was opened in XXXX. There are 4 inaccuracies on this report. Transunion is the only credit bureau listed on my credit report while XXXX  and XXXX  has since deleted this collection/charge-off from my report. It is well over 30 days again and the account still hasn't been updated or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did not receive any kind of written notice or any type of message about this debt. It just appeared on my credit report. I have not spoken to anyone about this debt over the phone either. I do not owe this debt agency {$700.00} and I would like for this to be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
bank of america closed my card

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 2020-09-04
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:
Experian has again failed to delete credit inquiries at the 2 year date. This is in violation of the lax and is an ongoing issue with Experian. 

On XXXX an inquiry from XXXX was placed on my credit report. That inquiry should have bee deleted from credit report on XXXX. 

On XXXX an inquiry from XXXX XXXX XXXX was placed on my credit report. That inquiry should have bee deleted from credit report on XXXX. 

These are legitimate inquires. Their deletion is overdue. 

Note : This and other issues are being compiled for the law firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-20
Company: Radius Global Solutions LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had a fraudulent Credit card account opened in my name, with a bank called the XXXX. The account was opened on the XX/XX/2019. The opening balance of the account was {$3200.00}. I already took some action to have this account closed, by actually having send a credit dispute using my experian account, the account did appear close on my experian account, but now it has come to my understanding that, the account dispute was never resolved because a collection letter was sent to me, asking me to make payments on the fraudulent XXXX  account which was opened in my name.

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 2023-04-03
Company: CITIBANK, N.A.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2023 I was contacted by a mortgage agent XXXX XXXX  XXXX ) at Citibank who offered me a mortgage on my investment condo in Florida. After extensive questioning me he said I qualified for a {$250000.00} mortgage. I sent Citibank a deposit including money for an appraisal. After two months and hours to supply their requested documentation which supported everything I had told the agent are still suddenly requesting additional documents which are redundant to information already supplied. 
This is now the third month since my application and they now say I only qualify for {$160000.00}. I now feel that I have been scammed.

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 2020-05-20
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 status incorrect

Complaint:
Credit Bureaus : Experian, XXXX & XXXX  are inaccurately reporting late payments on my credit report for XXXX  XXXX in XX/XX/2014. I have never been late on this 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 2020-11-20
Company: MoneyLion Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
MoneyLion/XXXX is holding on to funds from an authorization charge from a cancelled order that should have been released by now. Its not right that theyre still holding on to the funds and havent credited my account back. Im very disappointed and I hoped that they would be able to help me out as I desperately need my funds very bad. For this company to be a credit builder company there are not helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XXXX/XXXX/202, I submitted a dispute to all three credit bureaus. It has been beyond 45 days and i still have not received any results back.I am being taken advantage of. According to FCRA, it must be removed if it was not verified within 30 days. Please abide by the law and remove those accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
Using my XXXX XXXX XXXX, on my XXXX Account, I places an order for {$330.00}, order number XXXX. The order was separated into multiple packages, and for one reason or another one of the packages never arrived. The missing package was {$37.00}. When the package was updated to delivered in XX/XX/2020 at XXXX pm without any XXXX delivery truck appearing all day, I immediately checked my porch, and other areas around my home. However, the package was not there. I then walked to another building that has a secured mail room, that packages are sometimes left at. However, there was again nothing there. I then went through my XXXX account and using the customer service portal, timestamps at XXXX, I noted that no delivery was made to my address. I was informed to wait two full days and if the package wasn't received by then I get a refund or XXXX will replace my item. 

After waiting the full two days, I reached out to XXXX on XXXX/XXXX/XXXX, and reported the item as still not delivered. I was told by customer service that they researched the item and was instructed to wait two more days until XX/XX/2020, and I will definitely get the item. 

Now on XX/XX/2020 I have reached out to XXXX reporting the item as still never being delivered. However, they stated due to a delivery being noted, that I am not eligible for a refund or replacement. 

Despite documented proof of the item never being delivered, and documented correspondence from XXXX guaranteeing a refund, XXXX is still listing a charge for {$37.00}, for an item never delivered. This even appears on my credit report as part of my balance, even though they failed to provide the services to run the charge on my credit account in the first place. 

I did not reach out to Chase, as a dispute and/or chargeback is pointless. As I initiated the transaction and XXXX can show fictitious documents of delivery. However, I've included XXXX on the complaint as this affects my XXXX XXXX contracted out through Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-03
Company: Westlake Services, LLC
State: NY
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:
The last complaint Ive made Westlake financial responded in XX/XX/XXXX to the CFPB with a letters that I will be attaching and said that they will contact XXXX to have the repossession remark remove off my credit report because its been over seven years from the time of the repossession the repossession date is XX/XX/XXXX and it is now XXXX XXXXThe account still appears on my credit report as a repossession. I have contacted XXXX and Westlake financial on numerous occasions after they said they would have this account removed off my report because it still appears and nobody is doing anything about it. I have been denied two different times by the dealerships because they still see a repossession on my credit report which is over 7 years old, which is a violation of my rights.

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 2020-11-20
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have been trying to work with Discover card to get my interest on my credit card down. I had been on a plan from XX/XX/XXXX to XX/XX/XXXX. They wouldn't do another plan until I hadn't been on one for 1 year. I tried working with them and they would only lower my interest down to 12 % which is only good for a year and then it will go back up. They told me that If I wanted to go to a credit counseling service and get a plan with them they would honor it. I don't want to do that. If they are willing to accept a lower interest with them why not just give me the 6 % interest the lady spoke about when referring to the credit counseling. I want a flat rate interest that is low. 
I dont ' want to use the card. XXXX XXXX XXXX gave me 2.9 % on their card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
CREDIT BUREAUS REFUSING TO DELETE UNAUTHORIZED FRAUD ACCOUNTS FROM MY CREDIT FILE. THEY ARE INDICATING THEY CONTACTED CREDITOR AND I CONTACTED CREDITORS AND THEY INDICATE THEY NEVER SPEAK TO BUREAUS ON COMSUMER FILES. THEY ARE UPDATING INFORMATION IN=STEAD OF REMOVING ACCORDINGLY.

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 2020-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 ARE FRAUDULENT AND DO NOT 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 explanation
Consumer complaint received 2021-08-11
Company: JPMORGAN CHASE & CO.
State: TX
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:
On XX/XX/XXXX, my credit card was charged for a sum of {$220.00} from XXXX. After seeing this charge, this was the first time anyone with legitimate access to the credit card XXXX my wife and me ) had ever seen this website. 

I filed a claim in XXXX, and received a confirmation email that an investigation was starting for this charge. I received a new credit card and disposed of my old credit card. 

On XX/XX/XXXX, I received another notification from Chase stating that the case has been closed because I " received benefit from the transaction ''. 

I have not received any sort of benefit from the transaction. I did NOT make a purchase through this website. I had never even seen the website. I did NOT receive any items from this site. I certainly did NOT benefit from this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
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: Account status incorrect

Complaint:
XX/XX/XXXX I was diagnosed with XXXX for the XXXX time, I contacted the company the moment i recovered. Submitted payment of XX/XX/XXXX but posted on XX/XX/XXXX due to XXXX XXXX Holiday.

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 2020-10-13
Company: Army and Air Force Exchange Service
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of Identity theft. I live in XXXX, Florida and here the residents do not report this to the police, they told me to simply fill out the FTC report ( and I have done that ). I am getting alot of blow back by the credit bureaus and the companies on my report because I do not include a police report. I then tried to fill out a police resort in the next county to  me ( XXXX  ) and that was denied because I do not reside there. I have accounts, inquiries & incorrect spellings of my name that have not gotten corrected because of my lack of paperwork. I have been trying to get this resolved since XX/XX/XXXX. The following are the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX   XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2020-10-28
Company: LEXISNEXIS
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:
Lexis Nexis is reporting a bankruptcy on my credit. The courts name are reporting inaccurately and different between XXXX, XXXX  and XXXX  and the dates are reporting wrong as well. The original creditor is the Bankruptcy courts and they have communicated with me that they do not report this information to the LEXIS NEXIS are any other credit reporting agency. i would like to know your method of verification on how you verified this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of Identity theft. I live in XXXX, Florida and here the residents do not report this to the police, they told me to simply fill out the FTC report ( and I have done that ). I am getting alot of blow back by the credit bureaus and the companies on my report because I do not include a police report. I then tried to fill out a police resort in the next county to me ( XXXX  ) and that was denied because I do not reside there. I have accounts, inquiries & incorrect spellings of my name that have not gotten corrected because of my lack of paperwork. I have been trying to get this  resolved since XX/XX/XXXX. The following are the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX/XXXX  XXXX XXXX/XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX   XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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