BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-13
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
To XXXX, Experian and XXXX-Consumer Reporting Agencies. I am requesting a copy of my credit reports, credit files and investigative consumer report from XXXX, Experian, XXXX. I sent an Affidavit of Truth verifying my identity and I would like all pertinent documents sent to the address included on the Affidavits. Enclosed are copies of the affidavit of truths, and US certified mail receipts.

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 2018-07-09
Company: SUNTRUST BANKS, INC.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
On XX/XX/2018 I engaged SunTrust to wire money to a recipient in XXXX. The " date of availability '' listed on my receipt is XX/XX/2018. The money has not reached the recipient and the recipient needed the funds by the end of XX/XX/2018. SunTrust sent out a tracer request on XX/XX/2018 to find out what has happened to the funds. SunTrust has used XXXX XXXX XXXX as a " pay through bank '' and placed an inquiry with XXXX XXXX XXXX. SunTrust claims that XXXX XXXX XXXX has not responded to its requests for information. It is now XX/XX/2018 and I have not received any information about where the funds are and SunTrust says that they can not tell me when XXXX XXXX XXXX will respond to its requests for information.

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 2020-08-21
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They say its a valid debt but cant show me where I was ever the person that established this account. Ive told them numerous times this was not my account and they report it as a judgement on my credit yet I never received any documentation to report to court. This is not my debt and have disputed numerous times and they report to the credit union that they have verified debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: ALLY FINANCIAL INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with ALLY FINANCIAL. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and ALLY FINANCIAL with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.

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 2019-02-25
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:
After sending information to verify myself with my disputes by means of a Credit Repair Organization ( XX/XX/2018), Experian has failed to respond to the following issues on my credit report. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX not mine XXXX XXXX XXXX  never late XXXX XXXX never late XXXX XXXX  not mine XXXX XXXX XXXX XXXX XXXX  XXXX  {$580.00} 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 non-monetary relief
Consumer complaint received 2020-08-21
Company: Peter Roberts & Associates, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still it is very important to me to have a good and positive remarks on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been in contact with Experian since XX/XX/XXXX. I have contacted them several times and nothing has been done. I am a victim of identity theft. They assigned my investigation to XXXX XXXX. My last called was XX/XX/XXXX about inquiries that i didnt authorize are still on my credit report. This is the XX/XX/XXXX time I have called in over 30 days about several unauthorized inquiries on my Experian report. XXXX nor anyone else has called me for follow up in my investigation. This is ruining my credit and being an victim of identity abuse is frustrating. I need Experian to do there job.

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 2015-09-10
Company: FIRST NATIONAL BANK OF OMAHA
State: WI
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was sent {$25000.00} by a company that I assumed owed money to a woman I had been talking to. I then sent her a majority of that money and shortly there after the money was requested to be returned. The company was XXXX XXXX XXXX out of Nebraska and they use the First National Bank of Omaha. They now have all of my accounts at XXXX bank frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: WESTERN UNION COMPANY, THE
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I sent money through western union and an hour later I received a call from western union asking me that they want to interview me and ask me few questions. And if i don't comply they will cancel my account and I won't be able to send or receive money through western union. The western union compliance department 's number that wanted to interview me is : XXXX. Another issue that might be related is that when I called the consumer financial protection bureau at XXXX, someone in XXXX answered???? What is going on? The CFPB has been hacked too.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: Netspend Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My paycheck was stolen out of my account. I filed a dispute and they said it was a legitimate transaction. This was my response ... I want to physically talk to someone. If you look there are 3 transactions for decline fees at XXXX and 1 balance inquiry at XXXXXXXX XXXX and then the withdraws. I was at work from XX/XX/XXXX at XXXX until XXXX on XX/XX/XXXX. I have the time card to prove it. I was asleep in the state of XXXX   after working an almost 11 hour shift. When I got the alert of the with draw I immediately called. To file a dispute because I didn't make the transaction I have never been to XXXX and do not know anyone there. I can't see where the decline fees were done at on my account. It doesn't take a rocket scientist to know when it's not physically possible to be asleep in XXXX and using an ATM in XXXX. I use the last 4 digits of my social as my pin so whoever cloned my card must have figured out the pin. This is happening everywhere so I don't understand how you can even begin to blame me for a criminal that accessed my information! I will be contacting our local police department about this.The information was stolen and my money should be returned immediately like a legitimate bank would do. I will not let this go. I lost money at work because I couldn't go on an out of town job because of my money being stolen. This cost me a loss of about {$700.00} in wages. I want to talk to someone in person XXXX. I'm tired of people hiding behind messages instead of trying to resolve the issue. They have also not provide me with their so-called documentation. I have requested it repeatedly. I believe this is part of a bigger ring of thieves since there are hundreds of complaints for this very thing and XXXX refuses to give people 's money back. Is this an inside job with their company I wonder?

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 2018-06-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XX/XX/2017 I was made aware of an account opened fraudulently in my name at Chase Bank. I contacted my local sheriff 's office, all credit bureaus, my banks, and my brokerages. Since then, I've discovered multiple accounts created in my name, and have communicated with Chase bank several times during that time. Chase has notified me that certain accounts were closed, that they have contacted the credit bureaus, and that I am not responsible. However, I still get letters, emails and bills from them with different account numbers. I have submitted a complaint to the Florida Attorney General 's Office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
I was shocked when I reviewed my credit report and found late payments, and I've called and send couple of letters to capital one to ratify the situation and it still hasn't been resolved. I'm definitely not an expert when it comes to this, I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
HAVING ISSUES WITH THE CREDIT BUREAUS PROCESSING MY DISPUTE

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 2018-11-23
Company: CITIBANK, N.A.
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:
I have a closed account ( XX/XX/XXXX ) with a balance of {$100.00} under CITICARDS CBNA that was opened around XX/XX/XXXX. I don't have any payments that are due or received any e-mail or letter regarding this. 

I just got off the phone with CITICARDS and they looked up under my account ( I have one credit card ) with them and they saw no increase or {$100.00} that I am referring to. They also looked by my social security and nothing shows. 

Take a look at the screenshots to see this report come in to my 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 2018-07-09
Company: Phoenix Financial Services LLC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been over sea with my company from XX/XX/XXXX- XX/XX/XXXX and I have a credit collection company Phoenix Financial Service trying to collect a debit from XX/XX/XXXX for {$1200.00}. I was not even in the country to incur a debit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been disputing these accounts for a while. They do not belong to me. Please remove them and all negative remarks that came with them. I am a single mother who has had issues obtaining credit because of these negative remarks. I have attached my identity theft report. If you need any extra info please send me a fax number I can use to correspond with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED ACCOUNTS THAT DO NOT BELONG TO ME. THE ACCOUNTS ARE : 1. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXXXXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: First Data Corporation
State: OR
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I made multiple attempts to close my account, they refused to close my account. 

The fax number they provided said No Answer, and I they repeatedly would not close my account. 

This occurred on XX/XX/18. 
I spoke with XXXX at XXXX XXXX, she refused to close my account. 
I spoke with XXXX at XXXX, she refused to close my account. 
I spoke with XXXX at at XXXX, she reused to close my account. 

Fax result says : No answer, therefore fax number does not work. 
I attempted to fax ten times over three days, still No Answer from fax number. 
Fax result does not say Busy or Sent, but it says No answer. 
Fax number does NOT work, it's invalid. 

They are currently charging my account and refuse to close my account. 
I need this to be stopped and my account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
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 fraud alerts or security freezes

Complaint:
Please remove my extended fraud alert, security freeze and consumer statement.

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 2020-10-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2020 I was offered concert tickets for an upcoming show via XXXX. After some back and forth in the conversation we settled on a price and payment method - XXXX  I sent the payment, and the person immediately asked me to send more money to a different user name using the same payment method. I told her I would not send any more money until the money I'd just sent had been returned. Further excuses came up as to why I wasn't getting the money returned, and I knew I had been scammed I reported the issue to XXXX  only to be told there was nothing they could do. After MUCH struggle with trying to get assistance from XXXX XXXX I contacted my bank, Chase. I filed a claim within 24 hrs to notify them of this fraud to try and protect my funds and push back to XXXX XXXX to hold the scammer accountable for the false transaction. After Chase did their " research '' I was told they considered it a valid transaction and let the money be deducted from my account. They made no efforts to request evidence from me to validate that I had been scammed and just allowed XXXX XXXX to facilitate this fraudulent act at my expense. A bank their size should DEFINITELY have measures in place to protect their customers from these sorts of illegitimate transactions, and they are just assisting thieves to take money from honest people.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-22
Company: Experian Information Solutions Inc.
State: SC
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:
Medical debt is not validated and not properly verified. Has violated my rights and refuses to give correct validation. Has filed a hipaa complaint in addition. Did not authorize this company to have any personal information has no contract with this company please provide method of verification

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 2018-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Medical debt is not validated and not properly verified. Has violated my rights and refuses to give correct validation. Has filed a hipaa complaint in addition. Did not authorize this company to have any personal information has no contract with this company please provide method of verification

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 2018-06-22
Company: EQUIFAX, INC.
State: SC
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:
Medical debt is not validated and not properly verified. Has violated my rights and refuses to give correct validation. Has filed a hipaa complaint in addition. Did not authorize this company to have any personal information has no contract with this company please provide method of verification

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please remove the hard inquiries from My XXXX XXXX and XXXX  record, This someone was made on XX/XX/2018. CHASE CARD. I have never made such a request, so I am asking you to remove it.

Company response to consumer: Closed with non-monetary relief