BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX ( XXXX XXXX XXXX XXXX  ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$830.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2020-06-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I initiated a dispute with Equifax on XX/XX/XXXX into the inaccurate reporting of debts with XXXX XXXX. I do not owe these debts and have provided adequate proof. Yet Equifax is still reporting. 

XXXX XXXX is reporting I owe them amounts related to two apartment complexes. This is false. I worked through a Corporate employer program to apply last summer at communities with a Preferred Employer corporate program for XXXX XXXX XXXX XXXX employees in XXXX, TX. The preferred employer program waived all application fees. In each instance the application was denied. However, they are trying to collect and Administrative fee with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX P : ( XXXX ) XXXX | F : ( XXXX ) XXXX | rentatrosehill.com which was to be credited back in the event of denial. XXXX XXXX issued a Denial on XX/XX/XXXX with email from leasing staff XXXX XXXX. I never leased at these communities or vacated leases. I have never resided and any amounts attempting to be collected are not mine and not owed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX can not charge for a deposit and admin fee when they denied application on XX/XX/XXXX and refused to lease to me. They were supposed to credit back application fee for preferred employer. XXXX XXXX is in direct violation of the FCPA guidelines as they are reporting this to all major credit bureaus in direct violation of FCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I made payment, XXXX, to JC Penney Credit, Synchoney Bank VISA card. 
The payment was made to a closed account of my wife who died XX/XX/XXXX. 
I have been trying to get this payment to be credited to my JCP Visa card account opened in XX/XX/XXXX. As of this date XX/XX/XXXX the account balance is still incorrect. 
I have have contacted Syncrony Back Customer Service many times without resolution. 
I have been charged Late Fees and interest charges. On XX/XX/XXXX I deposited a check from Synchrony Bank for {$250.00} which bounced.

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 2018-10-18
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My account went into a negative balance for 1 day and then the bank decided to close the account even though this was the first time. They then held up my deposits to cover the balance for 2 days. It's in positive balance now, but they still say they're going to close it. I got a letter saying they asked me for more information and because I did not provide it, it will be closed. But they did not make such a request. Now I get an email from them saying my deposit statement is available online for my account ending in XXXX. But my account ends in XXXX. They may be upset at me because I filed a dispute for {$4900.00} against a moving company that ripped me off and would not pay for damages. It's outrageous that the bank decided in their favor. I did email them one heated message. Then I filed another dispute for the 2nd charge of {$1400.00} against the same company and they rejected that one also in record time. I feel the dispute call center in the XXXX is against me. I explained to them that the movers used my own shower towels & linens to pack my fragile items and broke my stuff, but they didn't want to hear it. This moving company is mentioned in over 4700 lawsuits ; they're notorious. I expected the bank to be there for me at this time. What a let down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My dispute is with Capital One. They charged off my account in 2019 even though I still continued to pay what I could towards the debt. I was never notified and didnt know the account was charged off until I went on their website to make a payment. 

I called Capital One over a month ago in an attempt to settle the outstanding balance so I could get a letter of deletion or XXXX balance letter to improve my credit while I was applying for a mortgage. I was told they would provide that, but only if I paid through XXXX XXXX XXXXXXXX XXXX XXXX. I then called them and paid a settled amount on Friday, XX/XX/XXXX. 

I then called Capital One as I needed a XXXX  balance letter from them as requested by all 3 credit bureaus to update my credit score. They claimed the system hadnt updated even though they received verbal confirmation the debt was paid. I have yet to receive a XXXX  balance letter they promised if the debt was paid after making numerous phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: EQUIFAX, 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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT REPORT AND I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY ITEMS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-19
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:
i reviewed my credit on all 3 credit bureaus. and found a input stating that i supposedly had an account ( furniture ) W/ XXXX XXXX ( XX/XX/2014 ) that i hadnt paid and ended up owing in the amount of {$620.00} and it was reported to be ( charged off ). I contacted all 3 credit bureaus disputing said item. they supposedly did their investigation and said account was verified. i did this twice with all 3 bureaus. I then contacted XXXX XXXX wanting verification of debt. I have enclosed the letter that they sent me. stating that : Due to lack of information, we were unable to research/verify the account in question. and in the same letter they asked for me to furnish them my info. I dont believe that i should help them mock up something against me. So i ask how is this validation of a debt. I also spoke with them over the phone, i asked for the them to remove, this from my credit profile, they said they wouldnt and that i should fight it out with the credit reporting agencies. So i in turn sent the credit bureaus a copy of this letter. and for them to delete incorrect / unvalidated info from my report. 30 days later all 3 of them reported that this account was verified and correct. So to summarize things i feel exhausted in trying to correct this. each one of them creditor/ crdit bureaus dont care, and are kicking the can to each other, and im stuck. im trying to get a mortgage, but some lenders tell me to fix this item before they can proceed. please help!!! i feel that if there isnt evedience, then its probably false, or not my account. i have a very common XXXX name. so they should remove it. thank you for your time

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 2018-03-19
Company: EQUIFAX, 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:
i reviewed my credit on all 3 credit bureaus. and found a input stating that i supposedly had an account ( furniture ) W/ XXXX XXXX ( XX/XX/2014 ) that i hadnt paid and ended up owing in the amount of {$620.00} and it was reported to be ( charged off ). I contacted all 3 credit bureaus disputing said item. they supposedly did their investigation and said account was verified. i did this twice with all 3 bureaus. I then contacted XXXX XXXX wanting verification of debt. I have enclosed the letter that they sent me. stating that : Due to lack of information, we were unable to research/verify the account in question. and in the same letter they asked for me to furnish them my info. I dont believe that i should help them mock up something against me. So i ask how is this validation of a debt. I also spoke with them over the phone, i asked for the them to remove, this from my credit profile, they said they wouldnt and that i should fight it out with the credit reporting agencies. So i in turn sent the credit bureaus a copy of this letter. and for them to delete incorrect / unvalidated info from my report. 30 days later all 3 of them reported that this account was verified and correct. So to summarize things i feel exhausted in trying to correct this. each one of them creditor/ crdit bureaus dont care, and are kicking the can to each other, and im stuck. im trying to get a mortgage, but some lenders tell me to fix this item before they can proceed. please help!!! i feel that if there isnt evedience, then its probably false, or not my account. i have a very common XXXX name. so they should remove it. thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: EQUIFAX, INC.
State: FL
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:
My complaint is regarding XXXX XXXX XXXXXXXX. They place an unauthorized inquiry on my credit on XX/XX/XXXX, XXXX.I am a victim of identity theft and this is noted on all three major credit reporting agencies, please see below. 
XXXX XXXX from XX/XX/XXXX XXXX XXXX. XXXX This inquiry could stay on your report until XX/XX/XXXX. 

I am a victim of identity theft and this is noted on all three major credit reporting agencies, please see below. 
XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: Experian Information Solutions Inc.
State: MI
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 had a XXXX XXXX credit card charged off in XXXX. Fast forward to XXXX XXXX XXXX kept the account open and started reporting 90 day lates on my credit report for XXXX and Experian totaling 24 90 day lates for each bureau. I contacted XXXX XXXX to intervene back in XXXX of XXXX in which I'm pretty sure they got it removed but XXXX XXXX   eventually put this back up.

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 2019-09-25
Company: SYNCHRONY FINANCIAL
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I spoke with a representative ( male voice ) who presented the opportunity to paid my balance if I were to set up 6 monthly future payments. I would no longer have credit available at XXXX 's however after making the very specific payment amounts my account would be paid off. The schedule for payments are as follows and each payment was made through my bank account at XXXX. 
XX/XX/XXXX - XXXX $ XX/XX/XXXX - XXXX $ XX/XX/XXXX - XXXX $ XX/XX/XXXX - XXXX $ XX/XX/XXXX - XXXX $ Finally payment was to be XX/XX/XXXX - XXXX $ however due to my recent discovery I have now cancelled that payment to be withdrawn. 
This month I discovered that Synchrony has my account balance as {$460.00} and that it is 105 days past due and delinquent by {$180.00}. Even though each month they have pulled the payment reflecting it as if I made a phone payment. In addition Synchrony has added a {$39.00} late fee to my account each month on top of the interest rate. 
As a result my account reflects a higher balance than before I made the 6 month payment arrangement. They have not reviewed the phone call made with the representative and continue to call each day trying to collect the balance or get me " into '' another financial arrangement. I have asked to hear the recorded phone calls but was told I would need a subpoena to do so. I have sent a request for statements from XXXX until present to be sent to me as I elected to receive ebill back in XX/XX/XXXX. 
I am asking for your assistance as I feel very bullied by this company. 
Acct # is 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 monetary relief
Consumer complaint received 2018-06-25
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:
I sent the credit reporting agencies XXXX and Experian, the police reports, documents from the courts, alone with a fully executed fraud package document and all the other documentation required to block an account that doesn't belong to me. The account Is XXXX XXXX XXXX XXXX. Instead of removing or blocking the account, it was put in dispute status. By law this trade line was suppose to be off the credit file within 48 hours of receipt of the documents submitted.

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 2017-11-22
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
Complaint : Both the Accounts shown below were settled in NJ XXXX order in XXXX XXXX, I made the final payment of ( approx {$4300.00} ) as ruled by NJ XXXX XXXX, this collection should be settled based on that court settlement and reported as settled. The court case was filed by the Apartment company, with who I had a dispute about XXXX terms. The name of the Apartments company is : they have 2 names : XXXX XXXX XXXX XXXX XXXX 1. 
Account NameEXECUTIVE CREDIT MANAGEM Account XXXX Account TypeCollection ResponsibilityIndividual Date Opened XXXX/XXXX/XXXX Status Collection account. {$4300.00} past due as of XXXX XXXX. 


2. 
General Account Info Report Number : XXXX Date Generated : XXXX XXXX, XXXX Account NameEXECUTIVE CREDIT MANAGEM Account XXXX Account TypeCollection ResponsibilityIndividual Date XXXX Status Collection account. {$1500.00} past due as of XXXX XXXX. 

This specific Apartments company called XXXX XXXX XXXX XXXX XXXX A O XXXX ) is notorious for cases and claims in Northern New Jersey they have multiple consumer complaints going on against them. 
They are crooked and very unethical Apartments rental company. when I was living there multiple cases with tenants were ongoing.

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 2017-11-22
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Contacted representatives of the company via telephone and emails several times in XX/XX/XXXX andXX/XX/XXXX because of the financial hardship I am experiencing from Hurricane Irma.  However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Atlanticus Services Corporation
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: Account status incorrect

Complaint:
This account was settled in full on XX/XX/2021, the confirmation number is XXXX, this was done with XXXX XXXX. On XX/XX/2021 Fortiva reported derogatory status with a balance still showing. On XX/XX/XXXX, I contacted XXXX XXXX and informed him of this information and requested a XXXX balance letter which he forwarded to me that day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX has illegally pulled a Hard pull inquiry on my credit report with Experian, I never authorized them to pull my credit. It has dropped my credit score damaging my credit. I am requesting help from the CFPB in this matter for XXXX to respond. 

XX/XX/XXXX XX/XX/XXXX Personal loan companies XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2018-12-14
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/18, I signed up for an account with Citibank for a {$400.00} bonus when I deposited {$15000.00} within 30 days and kept the amount for an extra 60 days. I did all of that yet have not received the bonus as of XX/XX/18. I contacted them three times, opened a case on XX/XX/XXXX yet have received no form of communication regarding its status, despite being told it would take 14 business days. I then called XX/XX/18 and their customer service rep said that no supervisors were available, put me on hold for 26 minutes combined, and was then told that no one could help me. This is unacceptable and I deserve the bonus to which I signed up for and met all the terms and conditions.

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 2018-03-20
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: Credit inquiries on your report that you don't recognize

Complaint:
Please remove the following unauthorized inquiries from my Transunion credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/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 2019-05-02
Company: BTH Management
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There is a collection on my account that was posted in XX/XX/XXXX. I have disputed it with XXXX and I sent 3 letters of validation to this unknown company. I have never done business with Plaza services or loan by phone. This company has never called me and never responded to any letter after over 6 months. XXXX I have been disputing since XX/XX/XXXX on and I have a feeling this is from the XXXX and now 2 other breaches my information has been leaked. XXXX is also at fault for having no information on this company or correctly validating any of this information. Plaza services is fake or if they have been one of the robo callers that leave threatening recorded messages. I will never pay this collection company they never sent me anything by mail to dispute this and have violated the law and I will sue them for their violations of keeping on credit without proof, never responding to letters of violation and not never sending anything to dispute. With these violations alone I will sue for the max of {$5000.00} Consumer lawyer will has all of the documents and explained how they have violated the laws. XXXX is also at fault because since XX/XX/XXXX I have been sending them inquiries on my credit report that I never made and told them to remove and they still have not nor do they do their job in correctly validating them which has caused financial damage. I will not pay Plaza Services anything

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation