BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
This account was closed and resolved. It was not on my credit report. The last payment on this house was XX/XX/XXXX and it went to foreclose in XX/XX/XXXX. This account did show on my credit report for the past 11 plus years. I have spoken to several employees from this bank and they all just give me the round around, most of them just hang up or leave me on waiting. They do not want to give me any proper documents to support my case.

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 2021-03-03
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent out a dispute letter to Equifax notifying them about the unauthorized inquiries and negative items that are being reported on my credit report. It has been well over 45 days and I have yet to receive any information regarding my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After numerous phone calls and a threatening letter about reporting an unknown debt of {$1100.00} owed to GE Capital on an IRS XXXX, I advised the collection company The XXXX XXXX that this debt is phony, unsubstantiated and/, or long pass the statute of limitations for legal collection.

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 2017-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
There are two inquiries on my report that I disputed with XXXX and the credit bureaus. I also spoke with XXXX  concerning the two inquiries and XXXX stated they do not show the inquiries in there system. XXXX told me to dispute them with the credit bureaus and I did. TransUnion, XXXX and XXXX keep stating they verifed the inquiries. The credit reporting agencies did not verify. If this was true they would be removed. I called XXXX again and they stated the credit bureaus did not verify anything with them. The inquiries were on XXXX XXXX, XXXX and XXXX XXXX, XXXX. These inquiries are affecting my score and I want them removed immediately! The number I used to contact XXXX is : 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 explanation
Consumer complaint received 2017-12-06
Company: EQUIFAX, INC.
State: SC
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:
1st off- the college was involved in legal issues regarding the school accreditation. Several students were invoked to litagation with the school regarding this matter. The credits offered by XXXX College were not up to code with the state board examination. Therefore students werent allowed to take finals and receive their degree. I left the school during the legal lawsuits. 

Also- my account was given forbarance and income driven repayment of {$0.00} a month payments therefore my account was NEVER late or behind. XXXX XXXX XXXX has fraudulently reported late payments to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
Credit cars got close on XX/XX/XXXX was placed on a payment plan, I pay several payments. Two large one for XXXX each and several for {$500.00} each. Balance is {$4100.00}. They insist that a payment set up which was set up. I call them before they try to redraw the payment and explain due to covid 19and XXXX being shutdown I cant work and I have no money coming in what I have is just for food. I explain I wouldnt be able to pay that right now until my state opens up back. They still try taking the money out, charge my account {$39.00} fee for not honouring payment and also they report to my credit XXXX  on XX/XX/XXXX. I call them they kept insisting they can not stop It and will do so every month once I am late and since my account is close I have too pay in full. 
Please help Me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was scammed through XXXX and my Chase bank account. I noticed that my bank account had XXXX over what it should have and realized someone made false reversal claims on like XXXX plus charges in my account that were charges to pay bills etc ( charges were legit and I made them ). I did not make these claims to dispute these charges so I called chase to let them know. 

Customer service was not helpful did not understand what I was talking about. 
The next morning I realized that XXXX dollars was sent via XXXX to someone named XXXX XXXX in 3 different XXXX payments. I did not send these XXXX payments. I was freaking out and called chase again and they opened a claim this time. 

2 months later I was laid off from my job due to the pandemic. I noticed that Chase reverse Ed my claim about the XXXX charges and now I negative XXXX . I called customer service again and they werent helpful they said they couldnt prove it was fraud. So now Im unemployed and beyond negative and dont know how I will pay for food or rent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-09
Company: Atlanticus Services Corporation
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX contacted me in regards to my outstanding account with XXXX, Account # XXXX. I agreed to settle the debt for {$1000.00} on XX/XX/XXXX. Agent advised me that I will receive an email that states that account had been settled and that they will contact XXXX XXXX, XXXX to alert them that debt had been satisfied. I received the " paid in full '' letter from XXXX as promised, but XXXX   XXXX claims that XXXX has not yet released the money I paid. I tried calling XXXX 11X and advised them that XXXX  is still waiting for them to release money I paid. XXXX continues to give me the run around. At first XXXX advised me that they will contact XXXX right away, the next time I called the agent said the end of the month and on another call the manager said on the XX/XX/XXXX they will contact XXXX and on the last call I made the manager said he can no longer assist me since account is no longer with them because debt was already settled. I don't know what else to do no one seems to have the answer to where my money went. XXXX  as of XX/XX/XXXX has not yet received my payment. 

Attached is receipt of settlement I made with XXXX to satisfies debt owe with XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: SANTANDER BANK, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
There is an account from Santander Bank that is 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 2023-05-24
Company: EQUIFAX, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31
Company: Designed Receivable Solutions, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was visiting California and had to go to the XXXX XXXX. At that time and to present day my insurance was XXXX a XXXX policy. My policy covered 100 % of the medical expenses. All the other services for this visit was covered by my insurance. I don't know if the medical billing at the hospital failed to submit the claim accurately to the insurance company, but I'm absolutely positive I'm not responsible for the bill being a insured person. I have tried to get this resolved, but the company refuses to comply. To my knowledge, they would be able to resubmit the bill through my insurance and resolve any outstanding balances. However, the company neglected to take that course of action. They've now reported a collection account to the credit bureaus resulting in a negative effect on my credit rating and report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
In XXXX XXXX I was a victim of Identity theft. I saw on my credit report that the perpetrator opened a XXXX XXXX account under my SSC information on XX/XX/XXXX. I filed a FTC Identity theft report and sent it along with a letter to XXXX XXXX requesting they close the fraudulent account immediately. I also followed up via 2 phone calls directly to XXXX XXXX. My complaint was taken and I was told it would be sent to their fraud investigation dept. and I would be contacted. I was never contacted and I know the account is still open. In fact I received a letter on XX/XX/XXXX telling me to activate my new Debit Card. It is a fraudulent debit 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 2018-07-29
Company: Experian Information Solutions Inc.
State: MO
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:
CFPB, Please accept this complaint as a formal notice that Experian is in violation of my rights under the FCRA. I have advised this company multiple times that they are furnishing inaccurate information on my credit report. 
I disputed an account on my file being reported by XXXX XXXX XXXX XXXX with an account number of XXXX on XX/XX/XXXX ( attachment A ). Experian received my letter on XX/XX/XXXX. I informed them that this account is no longer supposed to be reported negatively and supplied Experian with documentation supporting my dispute ( attachment B ). After recent review of my credit report furnished by Experian, I noticed that their company did not update the information to the appropriate monthly payment history of OK, for all months reported and account status of paid as agreed. This account should have NO negative payment history and they have not corrected the inaccuracy after being informed. The account number was also changed and they are reporting and inaccurate open date of XX/XX/XXXX. The original account number should be XXXX. And the accurate open date is XX/XX/XXXX and is being reported as such to XXXX ( attachment C ). Experian is in complete violation of my rights as they are knowingly furnishing inaccurate information and damaging my credit worthiness.

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 2021-11-30
Company: TRUIST FINANCIAL CORPORATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I found a house for rent in XXXX XXXX XXXX  ad on XXXX  ( containing photos, videos, details and a real address ) that I contacted. 
This person with the email : XXXX sent us a rental contract that we signed and then asked us for a first month 's rent plus a deposit for a total of {$2300.00}. Once the sum was paid, this person disappeared with our money. 
This person presented to us with an existing license number, XXXX license XXXX : XXXX and with the name of XXXX XXXX so we had no doubts about the veracity of the announcement. Apparently this is identity theft. 

This person initially asked us to make the payment to the " owner account '' with these data : Bank name : XXXX Bank Account name : XXXX XXXX XXXX Account number : XXXX Routing number : XXXX While then he changed the data to make the payment, so finally we did it to the " owner 's assistant '' bank account : Bank name : SunTrust Bank Account name : XXXX XXXX XXXX Acct # : XXXX Routine : XXXX Holder 's address : XXXXXXXX Georgia, XXXX XXXX XXXX : XXXX Bank address : XXXX XXXX XXXX XXXX, XXXX, GA, XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: CITIBANK, N.A.
State: NY
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 used my debit card to purchase prescription lenses for glasses that i already owned. The prescription was filled incorrectly, so i retuned the glasses with the lenses to be corrected. Then the store declared bankruptcy. I went to the store to see the situation, and discovered the optical section of the store was gone. I spoke with a manager and the gave me a phone number and email address that I could reach out to. I did that, but never recieved a response. So now I don't have the glasses i previously pirchased, and obviously don't have the lenses that I paid for. I then reached out the the general store for guidence and they told me to dispute with the bank I was dealing with. I did that, I submitted all the papers they asked for via email, and then regular mail. Today I recieved a letter stating they closed the case because I am responsible for the charge, even though I never recieved my item. They provided me with a copy of the purchase receipt. I never said i didnt make the pruchase, I said i never received the item. 
XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: Experian Information Solutions Inc.
State: PA
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 submitted multiple disputes and an FTC report regarding fraudulent hard inquiries on my credit reports. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2021-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Filed a wire fraud claim with Bank of America on XX/XX/XXXX to recall {$12000.00} sent to XXXX XXXX on the same day under their case no. XXXX. They closed the case without letting us know but charged us an investigation fee. Refiled another claim on XX/XX/XXXX under case no. XXXX. Each time we called, they just said that the back office was working on it. Requested to talk to an investigator without success. Until the last call on XX/XX/XXXX, we found out that the case was officially closed due to 'non-responsiveness from XXXX XXXX '. The representative who took the call told us that, according to the comments/notes on the case, BOA already sent us an email on XX/XX/XXXX about the closure of the case which we never received. He also asked if we got a copy of the " HoldHarmless '' letter or email that BOA sent to XXXX XXXX. To our unpleasant surprise, BOA seemed to have done something but never communicated with us. From what we understand, XXXX XXXX  did respond to BOA in XX/XX/XXXX. We don't know who is telling the truth. BOA may simply update case notes that they never act on. We feel like that we are being victimized the second time. Being their loyal customer for over 40 years, we are very disappointed and frustrated by how they handled our claim!

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 2021-11-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2021 XXXX financial mistakenly charged my 5/3 bank account twice for my car payment {$1100.00} which made my 5/3 bank account over draft. Fifth third bank charged my account 5 times of the amount of {$37.00} once on XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and again on XXXX XXXX. On XXXX XXXX I was charged a extended overdraft fee of {$10.00} all totaling {$150.00}. My arrangement with XXXX is they only suppose to take out XXXX payment out of my account each mount for {$1100.00} automatically I don't know why they choose to take out XXXX payments for this amount. But Fifth Third bank is treating this like it is my fault they only refunded a portion of fees but they not going to remove the fact that I was even charged a overdraft fee which have damaged my account and removed some of the features I once had on my bank account like check cashing on the banking app. I want all my money back in overdraft fees. And remove the fact my account was overdrawn because this was not my fault. I will write a separate complaint on XXXX also for messing up my bank account. But I feel like 5/3 bank should not profit off XXXX mistake

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On or about XXXX XXXX XXXX Bank of America charged my atm debit card {$150.00} for a charge I believe was wrong. I put in a dispute with the bank to be told that it was a legitimate charge by XXXX. Within and right before the 90 day period of the bank being able to take the money back they did so right before the cut off date. The day that this happened I found my atm card in another area of my wallet. When I called to talk to the bank they told me it was a legitimate charge, but I know that was not the case. They blamed it on XXXX. I've also had a lot of fraudulent bank or atm charges on my account that for some reason I have had a difficult time disputing. Phone hanging up, etc. This has been ongoing for me for quite a while now with no relief in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: PENTAGON FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On the date of XX/XX/2020 I disputed charges that are inaccurate and obsolete that are affecting my Credit score. These charges were disputed with Credit Bureaus XXXX, XXXX, and XXXX. The false charges are listed below. 



PENTAGON FEDERAL CR UN ( ADDRESS : XXXX XXXX XXXX XXXX, VA ) : Allege Amount Owed {$1200.00} I have No knowledge of this accounts.

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 2021-03-31
Company: FIRST CONTINENTAL MORTGAGE LTD
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have tried for days to reach this company for service on my existing VA loan. I have waited on the phone for hours, been told a return call would be made, it never was. Been promised someone would call me, they never did. I have written messages on their message board and all you get it more lies and empty promises. I have written letters, sent fax, all to no avail. 

All I want is to have my loan serviced and my questions answered. This is the worst service I have ever had with a company.

Company response to consumer: Closed with explanation