BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
address that are not mine : XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY accounts not mine : XXXX/XXXX/XXXX  XXXX potentially negative icon Potentially Negative StatusClosed. {$95.00} past due as of XX/XX/2020. 
Account TypeCharge Card Balance {$1000.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off/Never late. {$12000.00} written off. {$1800.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$12000.00} Date OpenedXX/XX/XXXX Dispute XXXX  XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$6700.00} written off. {$6700.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$6700.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX, XXXX. 

XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$5700.00} written off. {$2700.00} past due as of XX/XX/2020. 
Account TypeCharge Card Balance {$5700.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$11000.00} written off. {$2500.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$11000.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$6200.00} written off. {$1600.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$6200.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$1800.00} written off. {$690.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$1800.00} Date XXXX Dispute XXXX XX/XX/XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$7800.00} written off. {$7800.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$7800.00} Date OpenedXX/XX/XXXX Dispute XXXX XX/XX/XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$12000.00} written off. {$12000.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$12000.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/2020. 
Account TypeCredit Card Balance {$11000.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$7700.00} written off. {$7700.00} past due as of XX/XX/2020. 



sent ftc never removed anything 90 days or more

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 2019-06-02
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX at XXXX EST I called Citi about a credit card i had through them which was a XXXX XXXX affiliated card. I asked the representative to cancel my credit card to which I was told that " there is an issue with your account which prevents me from closing your account right now, may i instead credit your account for the annual fee instead? '' ( paraphrased slightly as I don't have this recorded. The representative then at my incessant demand managed to close my account without any hesitation or inquiry to another department to 'resolve the issue ' which supposedly existed. When pressed about the issue the representative told me that there infact was no issue, but rather this is a sales tactic they use to deceive consumers who are trying to close their 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 2023-01-29
Company: Experian Information Solutions Inc.
State: IL
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 noticed information on my credit report which is inaccurate.

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 2023-01-18
Company: CITIBANK, N.A.
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 call XXXX XXXX after i received there letter from the debt collection agency they send my account to on XX/XX/, after this account was paid i have my bank statement showing this and the person i call said they would get this corrected but they put it on my credit report anyway, i also paid wayfair all of there money and called them and they told me that they sold my account to citi bank and citi bank told me that my account was over due, i paid this account out before the 6 month on interest, i paid them two to three months in advance as they stated as the terms of the agreement, i am requesting copies of the paperwork they have showing i owe them, and i want all of them removed from my reports, this is destroying my credit worthiness and my good character.

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 2020-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
address that are not mine : XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY accounts not mine : XXXX/XXXX/XXXX  XXXX potentially negative icon Potentially Negative StatusClosed. {$95.00} past due as of XXXX XXXX 
Account TypeCharge Card Balance {$1000.00} Date OpenedXX/XX/XXXXDispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off/Never late. {$12000.00} written off. {$1800.00} past due as of XX/XX/XXXXXXXX XXXX. 
Account TypeCredit card Balance {$12000.00} Date OpenedXX/XX/XXXX  Dispute XXXX  XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$6700.00} written off. {$6700.00} past due as of XXXX XXXX. 
Account TypeCredit card Balance {$6700.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX, XXXX. 

XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$5700.00} written off. {$2700.00} past due as of XXXX XXXX. 
Account TypeCharge Card Balance {$5700.00} Date OpenedXX/XX/XXXXDispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$11000.00} written off. {$2500.00} past due as of XXXX XXXX. 
Account TypeCredit card Balance {$11000.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$6200.00} written off. {$1600.00} past due as ofXX/XX/XXXX 
Account TypeCredit card Balance {$6200.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$1800.00} written off. {$690.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$1800.00} Date OpenedXX/XX/XXXXDispute XXXX XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$7800.00} written off. {$7800.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$7800.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX   XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$12000.00} written off. {$12000.00} past due as ofXX/XX/XXXX 
Account TypeCredit card Balance {$12000.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX 
Account TypeCredit Card Balance {$11000.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$7700.00} written off. {$7700.00} past due as of XX/XX/XXXX 



sent ftc never removed anything 90 days or more

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 2018-09-15
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:
ON XXXX XXXX I CHECK MY EQUIFAX CREDIT REPORT AFTER HEARING OF THE BREECH IN THEIR SECUIRTY SYSTEM. I FOUND OUT THAT I HAD THREE ACCOUNTS ON MY REPORT THAT WASN '' T MINE. SO I SUBMIT A ONLINE DISPUTE ON XXXX XXXX. EQUIFAX NOTIFIED ME THAT THEY VERIFIED ACCOUNTS WAS MINE IN XX/XX/2018. MY SECOND ATTEMP ON XX/XX/2018 I SENT EQUIFAX A WRITTEN DISPUTE ASKING EQUIFAX TO SEND ME VAILDATION OF THESE ACCOUNTS WITH PROOF OF SIGNED CONTRACTS .ALSO ASK THEM TO GIVE ME THE NAME OF THE PERSONS AND SIGNED CONTRACTS OF WHO VERIFIED THESES ACCOUNTS. EQUIFAX REFUSED TO PROVIDE ME PROOF. 

ON XXXX XXXX EQUIFAX AGAIN SAID THE VERIFIED ACCOUNTS AND DID NOT SEND ME PROOF OF ANYTHING. NOTHING WITH MY SIGNATURE ON IT, NOT CONTACT INFORMATION OF ANY PERSON WITH THE COMPANIES THAT SO CALLED VERIFIED AND THE CONTINUE TO REPORTING NEGATIVE ITEMS. 
IN XXXX EQUIFAX NOTIFY THAT THEY VERIFIED IT AGAIN AND ONCE AGAIN THEY DID NOT PROVIDE ME PROOF LIKE I REQUESTED FOR THE SECOND TIME,. 

ON XXXX XXXX FOR THE 3RD TIME, I REQUESTED AGAIN FOR EQUIFAX TO PROVIDE ME PROOF OF VALIDATIONS OF ACCOUNTS. ON XX/XX/2018 EQUIFAX NOTIFIED ME AGAIN WITHOUT PROVIDING ME PROOF. I HAVE JUST INGORE MY REQUEST TO PROVIDE PROOF. 

THEY NEVER PROVIDE ME WITH NO PERSONS NAME, OR CONTRACTS WITH MY SIGNATURE ON IT. I FIND THAT THEY ARE NOT VALIDATING ACCOUNTS. 
SO I ASK THEM AGAIN TO PROVIDE PROOF OF THESE S ACCOUNTING BELOW, IF THEY CANT PROVIDE CONTRACTS WITH MY SIGNED SIGNATURE I DEMAND EQUIFAX TO REMOVE THESES ACCOUNTS FROM MT CREDIT REPORT IMMDEDIATELY AND SEND ME A NEW CREDIT REPORT XXXX 

XXXX 'S XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2020 : charge from XXXX XXXX XXXX for {$99.00} taken from my account. 

I did NOT authorize this transaction. 

Bank sent a statement of transaction. I do not recognize the transaction. It is not a product I would ever use from a business I have never heard of. No product was EVER delivered. I did NOT authorize this purchase. This is criminal and investigations should occur with prosecution of the business that has stolen my money and info. 

Bank has refused claim. 
I tried to contact bank again and waited over 45 minutes and representative hung up while I was discussing the details of this case. 

I have tried to call back and there is no one to talk to, only robots that ask for your critical sensitive information such as social security and pin number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On or about XX/XX/XXXX, Bank of America closed two of my credit card accounts. The first card they closed was opened over 20 years ago and was used and paid in a timely manner. The second card they closed was opened on or about XX/XX/XXXX and was used and paid in a timely manner as well. 

To my knowledge, I did not receive a letter indicating their intent to close these credit card accounts nor the reason for closing these accounts. In XX/XX/XXXX, I called Bank of America to discuss why they closed my accounts. The only information they gave me was that they sent a letter, which I did not receive, and that I had too many open credit card accounts and that my credit score is too low. 

This is unfair because these accounts have been paid at least the minimum amount due monthly by their due date. Most months, I have made extra payments to these cards in order to lower the balance and improve my credit score.

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 2021-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XX/XX/21 I received a text message from a XXXX number stating there was potential fraud of {$3500.00} in my account via XXXX. I then received a call from Bank of Americas number ( XXXX ). I answered believing it was the bank since they spoke about possible fraud from my account via XXXX. The representative said his name was XXXX and that the XXXX transaction was for {$3500.00} to someone in XXXX. They asked if I knew someone there and I stated no. After, the person said that they noticed the XXXX was to XXXX and that they would reach out to them to get the funds back. I provided them with a code I received from XXXX thinking I was doing the right thing to protect my account. I was then told to put a request to send money out from my account to myself to get my money back from XXXX. My account seemed fine until I checked on XX/XX/21 that I was missing the {$3500.00}. 
As of XX/XX/21 I reached out to Bank of America and explained my situation but all I have been told is that it takes up to 90 days and that I might not be able to get my funds if the account the funds were sent to have been taken out. The money I had saved in my account were from my stimulus and tax return to use a cushion during this pandemic. I do not understand how Bank of America has told me that there is a possibility that I wont receive my money back and theres nothing they can do.

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 2022-12-14
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
i have recently purchase a credit report from XXXX, XXXX, experian please use the written letter as confirmation that. i hereby opt-out and do not wish to resolve disputes with through arbitration .Again : i rejected the arbitration clause in the interactive service agreement. thank you for noting 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 2018-09-16
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
The loan servicing company called XXXX, took over my VA loan, they have screwed it up ever since they have had it, making threats, false statements, failing to conduct an LPO/Audit and Fraud. 

There parent company is Servis One , Inc another fraudulent company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX  Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXX XXXX  XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I want to freeze my credit due to the recently reported hack which exposed my information to hackers months ago. Experian will not freeze my report without charging me a fee. 

A freeze really needs to be free, since I did n't authorize them to either collect the information nor to distribute it to its customers. They are unconscionably trying to make money off the failure of their industry to protect consumers! I am appalled. 

XXXX is requiring that I sign away my rights in order to get the credit freeze. This is unfair as I have no other option other than freezing it through them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. This has been hurting me as I am in the process of buying a home for my family. Please remove from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XXXX XXXX XXXX XXXX I created a payment XXXX while logged into my Chase Business Complete Checking account. The product is described on Chase Business Website as " Chase Quick Accept '' the further requirements are that you " Must Be A Chase Business Customer ''. I signed up for the account, created secure payment gateway and sent it to my client. The total paid on that day by my client via XXXX credit card was {$5100.00} XXXX XXXX. He text me that they payment was completed and I received a conformation email from Chase. 

I waited a few days as my account was running low, and in anticipation of that money I went on with business as usual taking care of other things. I called Chase on XX/XX/2023 and they could not find the account. 

Once the weekend came, XX/XX/2023 I went into the nearest my home. It was then I spoke to the manager and he explained to me that he did not have a merchant account for me. I let him know that I created the account, showed proof, detailing an email received with the chase letterhead once the payment was processed ( I can share this with you all as well ) He called a special internal customer line and found that Chase Quick Accept was actually done through a third party owned by their parent company JP Morgan. That third party is XXXX and they have been a night mare to deal with. Once I spoke with bank manager at chase, he let me know that my account had been closed and that XXXX  would be holding my money because of suspected fraud. 

Upon returning home on XXXX XX/XX/2023 I was instructed to send an email to XXXX  merchant appeals and I did just that. The email included personal business documents, snapshots of email exchanged with clients, and text messages between my client and I detailing that the payment was made. After giving XXXX what they wanted to prove that I have a legitimate business. They declined to send me my money and indicated that it would be held for 180 days. 

Their decision further impacted how able to conduct business, Chase who is advertising this product continued to collect overdraft fees when my account went into the negative balance. I'm now left without this additional means of income, which will allow me to provide services, pay employees and grow my business. I've read mutiple cases where this is a common business practice for wepay.com They have had over XXXX complaints in the past 12 months.

Company response to consumer: Closed with monetary relief