BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-07
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/21, I made a {$1000.00} payment to pay off my XX/XX/21 promotional balance to avoid interest posting. This would also have paid off XXXX promotional balances. The XXXX and XXXX promotional balances decreased to {$0.00} in my account after I made the payment. 

Two to three days later I decided to go online to select for my payments to be applied to an XXXX promotional balance. XXXX balances still showed {$0.00}. I got a message stating all future payments will be applied to XXXX promotional balance. This was good because it looked liked my XXXX and XXXX was paid off from previous payment so I did it. 

Home Depot took the previous {$1000.00} payment and applied to new selection for XXXX which made me have a balance of {$340.00} for the XXXX and {$570.00} for XXXX promotion balances which cause me to be charged {$180.00} in interest for XXXX. 

I called Home Depot on XXXX ( when I was finally able to open the XXXX statement, issue with it downloading ) and they said that the payment must not have been posted completely at the time I made the selection to apply payments to XXXX promotional balance, since it takes 24-48 hours for a payment to post. ( Even though it was 2-3 days later and the payment looked to be posted since my promotional balance said {$0.00} ). Even though payment date should have been day I made payment which was before allocation selection. Credit customer service gentlemen said there was nothing he could do and that he suggests not making payment allocation changes when a payment is pending since this tends to happen often. There was no warning about that in the payment allocation screens and the payment looked to be posted! 

There should be more warning about this known issue with their system. 

I have decided to close the store card since this is unfair practice and they knew it was an issue with their system. They were also unwilling to correct or discuss applying payment correctly. I pay my bills diligently and accurately. I was a loyal Home Depot customer and recently tried out their credit card service. I will never get a card with them again and am debating even being their customer.

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 2022-10-31
Company: Experian Information Solutions 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : 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 2023-08-15
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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: CNG FINANCIAL CORPORATION
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 status incorrect

Complaint:
I was appalled to find out that not only was the status indicated as Charged off but the company has also indicated that they have not been receiving payments from me ( NP ). In fact, I have been working diligently to the point that they automatically retrieve the payment bi-monthly from my checking account. So it shouldn't be both ways ... .either I've been difficult to deal with that they had to get an outside company involved ( charge off ) or I'm doing my due diligence in trying to comply with their demands. I thought that we had a good relationship since I have been very faithful in repaying to them directly. Now there's this undeserved black eye on my credit report which I feel is not deserving.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: JPMORGAN CHASE & CO.
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I want to add this Motion of information I filed in Federal Bankruptcy Court to the following case # 's already in progress ... 

XXXX and XXXX for XXXX and JP Morgan Chase NA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: Concord Servicing Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was on a vacation in XXXX on XX/XX/2018. When i checked in to the hotel they offered me free upgrade if i attend a Timeshare presentation for 90minutes. I attended the presentation and they were selling vacation packages. From the different packages i chose the cheapest one that best fits my budget. the packages was about {$6000.00} i was told to make monthly payments of {$160.00} for 36 months. I get 2 weeks free Presidential Suite every year for the next 25years at a resort of my choice anywhere around the world they gave me a booklet and a website where i can choose the hotels from. In addition i will get {$3000.00} virtual credit that i can use for massages and free breakfast at hotels that i stay at plus 20 % or more discounts on other days througout the year if i choose to travel. I asked them whats the catch? They said none. By signing up for Timeshare you get all this. I asked when can i cancel? They said within 90days before the contract takes affect. With a {$760.00} penalty which is their application fee. Paid upfront upon sign up. I went ahead and signed up. Provided my SS # address etc. i come back home to the united States and read online about XXXX XXXX XXXX XXXX XXXX. And many people said its a fraud or scam. Some said its true and it works if you travel more frequently. So 2 weeks later i called them to cancel it in XX/XX/2018. becacuse i am from a poor class family and i dont make that much money to travel every year. After numerous emails and phone calls they finally cancelled it. However now i keep getting phone calls to pay the monthly payment of {$160.00}. I keep telling them i cancelled it. I even have emails from the manager of the Timeshare. And yet they are saying the account will stay actice. And if i dont make monthly payments my loan will default and will be reported on my credit as Deliquent payments. I have proof of cancellation and over 50 emails i Exchanged about the cancellation. I do not want this charges to reflect on my credit. Please assist and if you see any charges from XXXX XXXX or Concord services should not be counted against 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 2016-02-22
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
They need to prove that this is my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted several disputes to remove all late pay and collections. I have stated all laws and according to 15 USC 604 validation. and nothing was validated or removed. i am trying to meet a XX/XX/XXXX closing date.

Company response to consumer: In progress
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ; XXXX XXXX XXXX .... Balance : {$50000.00} ; XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXXXXXX XXXX .... Balance : - ; XXXX XXXX  XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  has it documented that I opened this account in 2019. Absolutely false! I never initiated an account in 2019! After my bankruptcy I knew I couldnt get credit anywhere! I wish these credit reporting agencies STOP REPORTING FALSE INACCURATE information to keep scores low! 

I was never in contact with said debtor ANY time in 2019! I had absolutely NO credit in 2019 nor did I apply for ANY credit in 2019! I have screenshots to what XXXX  has posted and WISH they would QUIT CHANGING DATES on accounts I did NOT SIGN on said dates!!! That is ILLEGAL that is a total violation of my fair credit reporting! 

That is NOT my account I never initiated an account with a XXXX XXXX XXXX at no time in 2019! 

XXXX  just reports and post anything in attempts to hurt scores and reports! 

What ever account you have, its the wrong account because I was never in contact with the debtor in 2019!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
According to Equifax, XXXX XXXX XXXXXXXX states that my DATE OF LAST PAYMENT was XX/XX/XXXX. 

According to Equifax, XXXX XXXXXXXX XXXX states that my DELINQUENCY DATE was XXXX XXXX, XXXX. 

The discrepancy between these two dates determines when this negative credit report will be eliminated from my credit history in XXXX. 

I filed an Equifax dispute with XXXX XXXX XXXXXXXX over this issue. EQUIFAX CONFIRMATION/DISPUTE # XXXX. 
XXXX XXXX  XXXX replied that their DELINQUENCY DATE is not the same as the DATE OF LAST PAYMENT. They insisted that the start date for my seven years is their DELINQUENCY DATE, not the DATE OF LAST PAYMENT. 

I believe the DATE OF LAST PAYMENT and the DATE OF DELINQUENCY should be the same date. Otherwise, XXXX XXXX XXXX can arbitrarily assign any DATE OF DELINQUENCY they wish, and consequently elongate the 7 year period a consumer must wait for the negative report to be eliminated. This is exactly what XXXX XXXX XXXXXXXX is doing. How can the law allow XXXX XXXX XXXXXXXX to assign any DATE OF DELINQUENCY they like, at their whimsy, without restrictions or safeguards to protect the consumer?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: NC
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:
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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
EXHIBIT A - herein annexed.
Personal information, page 25 of 26 of  XXXX  credit report number  XXXX , Date d   XXXX   XXXX  , 2017   showing   XXXX   XXXX   address with an Address identification number  XXXX  linked to   XXXX   XXXX   with the same address identification.
<P/>
On    XXXX   XXXX   , 2017,    XXXX  credit card representative and that persons supervisor,  XXXX , denied any   XXXX   XXXX   address in their records, therefore, they can not report such   XXXX   XXXX   to anyone.
<P/>
As a result, this   XXXX   XXXX   address must be removed from ALL credit reporting agencies.
<P/><P/><P/><P/>
EXHIBIT B - herein annexed.
Account in good standing page 20 of 26 showing   XXXX   XXXX   with the same Address identification number  XXXX  that establishes a link between PO BOX address and this credit grantor,   XXXX   XXXX  .
<P/>
On   XXXX   XXXX  ,  2017,   XXXX  credit card representative and that persons supervisor,  XXXX , denied any   XXXX   XXXX   address in their records, therefore, they can not report such   XXXX   XXXX   to anyone.
<P/>
As a result, this   XXXX   XXXX   address must be removed from ALL credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: Santander Consumer USA 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:
I contacted Santander to request two late payments to be removed and was told to file a complaint or dispute instead ; Santander will review the facts of the complaint or dispute and make a determination after. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account Number : XXXX XX/XX/2018 To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains two ( 2 ) late payments reported XXXX & XX/XX/2018 for my 75-month Installment Loan account. 

I want you to know that I understand my financial obligations, and if it werent for me losing my job due to being laid off, I would still have an excellent repayment record as noted with my payment history. I made a mistake when I fell behind, but since then, I have successfully gained new employment with XXXX XXXX grossing $ XXXX annually. Since then, Ive had a spotless record of on-time payments. 

As a single father of XXXX boys who I currently have full custody of, Im now planning to go from being a renter to a homeowner. With my plans of applying for a mortgage, its come to my attention that the missed payments on my record will hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments for both XXXX and XX/XX/2018. 

Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX  Account Name XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have 50 hard inquiries and I only made 10 of them. I have collections that are not mine. I have open accounts on my credit report that are not mine. I have addresses that I have never lived at. I have closed accounts that are not mine. I have names that are not mine. I sued in small claims and won and they still wont fix it.

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 2021-07-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a letter from Credit Bureau stating that my letter requesting verification of erroneous items on my report as being classified as " frivolous '' or " irrelevant ''. I assure Credit Bureau that in no way do I consider a matter of such importance to me as frivolous nor irrelevant. 

1. The wrong amount is being reported XXXX XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. Wrong date of opening is being reported. I have never been late with payments on this account. 
XXXX XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.

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 2018-11-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2018, I went to JP Morgan Chase to deposit {$6000.00} via ATM machine. However, the machine got jammed and never returned the money back to me. I immediately spoke to the Chase staffs in the branch and the branch manager helped me to get {$6000.00} temporary credit. On XX/XX/2018, I received the mail from Chase Customer Claims Department saying that this {$6000.00} temporary credit will be reversed on or after XX/XX/2018. I called the Customer Claims Department and spoke to a customer service to resolve this issue. I was told that Chase has contacted the ATM vendor and found no {$6000.00} balance in the machine. I disagreed with the customer service since there was a camera recording all my actions in front of the machine, including my depositing. If the camera shows that the money, no matter how much, was swallowed by the machine, then there must be money somewhere. After filing the second complaint, Chase decided to give me {$2000.00} as a credit to maintain the customer relationship. However, this is not the solution I would like to see since I did nothing wrong and I am entitled to that {$6000.00}, not only {$2000.00} credit. That is why I am writing you this complaint to get my remaining {$4000.00} back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-13
Company: CNG FINANCIAL CORPORATION
State: SC
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
It was many years ago when I got a check cashed at check n go.I did n't have the money to pay them back so I did n't pay them They never bothered me about it until about a month ago.That was around 10 years ago.Now they say I owe them XXXX dollars and threaten to put a levy on my bank account.I am on social security and can not pay it.

Company response to consumer: Closed with explanation