BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: VA
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 personal data was leaked from the most recent security breach at Equifax. Equifax has not been able to submit an annual free credit report online ; has not been able to place a fraud alert nor has it been able to freeze my credit report. Transunion charged my {$10.00} for freezing my report. XXXX  and XXXX have not been able to freeze my report or place a fraud alert on it. This took several hours of fruitless work with immense frustration and looming negative effects on my credit scores and ability to leverage my well deserved good credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: Kikoff Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I Would like to sincerely asking you to help me To get fixed on all my credit Report Which is on XXXX and XXXX XXXX and XXXX it shows negative account activity this account its called kick off landing LLC Which was very confusing and I try to call them more than 20 times and dispute them with all the Creditor and they told me they can not do anything for me I pay them on time everyones was one dollar and it says here I have a late payment and it says I cant is paid and closed so its very confusing will you please sincerity helping me and make correction thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX I do not have a contract with ARS plus they did not provide me with the original application like I asked. 
Account No : XXXX Amount Disputed : {$1300.00}

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 2019-09-16
Company: JPMORGAN CHASE & CO.
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I've written an entire blog post about this. I have all the details, receipts, and medical paperwork described in the blog post in the link below. 

XXXX XXXX XXXX ( please copy and paste the above link into a browser if it does not show up as a clickable link ) -- Contact me anytime. 
XXXX XXXX ( cell )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: WELLS FARGO & COMPANY
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am opted in to the overdraft services program at my bank, Wells Fargo. I made two transactions beyond my balance that I expected a fee from. I was charged 5 overdraft fees. 3 of those transactions I had the funds for and the bank acknowledges this when I called for help. They stated that because my pending balance was negative when those three transactions posted that they had the right to collect fees for those as well regardless of my having funds to cover them. They state that because I opted into overdraft services that they have the right to charge fees at their discretion even when I have funds. I have scoured all of the terms and conditions for the overdraft services program to see if this is a term that I agreed to when opting in. Nowhere am I able to find this situation in the terms and program details. The only time the terms state a fee would be applied is for the transactions made beyond my balance. This is extremely unethical and possibly illegal, as far as my research shows. They are unwilling to help resolve the issue and were rude and pushy when asked for 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 2021-10-19
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My XXXX in XXXX XXXX XXXXXXXX passed away on XX/XX/XXXX and was a Citibank customer. I am her executor but live in Arizona where there are no Citibank branches. 

I contacted Citibank after obtaining a court appointment from XXXX XXXX XXXXXXXX probate and was told that I could fax or mail information showing my appointment including a copy of my drivers license, court appointment, and death certificate. I did not want to send PII information via fax and requested secured email, but was told they had no ability to accept secured email. I never received response from Citibank and called times between XXXX and XXXX for updates but only was able to get to their general customer service line. I chose to re-send, via certified mail, the original requested information. 

On XX/XX/XXXX, I received a letter from CB confirming receipt but indicated I now needed to send a notorized letter providing instructions. ( This was included in my original request ). I followed up along with a death certificate of the additional signer on the account ( my mother who died a year before ). 

On XX/XX/XXXX, I received 2 checks in the amount of {$17000.00} and another for {$.00}. This equates to approximately was in her Checking Account. I called Citibank today ( XX/XX/XXXX ) to inquire on her Savings Account which as a balance of approximately {$100000.00} with the number listed in their correspondence and was told by customer service that they were " unable to talk to me '' given I'm not listed on the account. They noted that they could not connect me with the department that processed the check nor could they help me. They said to call the same number that I had just reached them on. 

I'm a CPA and have been the executor ( unfortunately ) for other passed family members. I have never seen a financial institution act in this manner. It has been 10 months since my aunt passed and the account is yet to be closed properly.

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 2020-04-29
Company: SYNCHRONY FINANCIAL
State: NY
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:
I dont understand I got a letter from synchrony bank, regarding a mattress firm account which I knew I never opened an account with this company so I was surprised when I got that letter because I never even receive a bill so I dont understand

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 2020-10-09
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a claim on my credit report from Credence Resource Management. They claim that the original creditor was XXXX XXXX. I called XXXX to ask if they have reported a balance against me to a collections company. They did not have any record of me owing them money. I now have a balance owed to Credence Resource Management for the amount of {$700.00}. 

The report claims that I opened an account on XXXX. I did not. 
The balance was reported on my credit on XXXX. I filed a dispute through my XXXX account on XXXX. 

I called Credence Resource Management on XXXX and told them to remove the claim from my credit report. I also emailed them on the same date stating the same thing. I have never received any voicemails, mail, or emails from this company at any time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
I have a hard inquiry on my credit report made on XX/XX/2019 that I know nothing about. It is on XXXX XXXX and trans union report. Inquiry is from XXXX. I have notified all 3 companies and they keep telling me to contact each other. Nothing is getting done and needs removed from my credit. When I call XXXX they tell me that it's not them and is on my report fraudulent to contact again credit bureau and XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: WELLS FARGO & COMPANY
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:
I recently pulled my reports from all three bureaus and notice inaccurate and fraudulent information. I believe that I am a victim 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 2017-11-16
Company: EQUIFAX, INC.
State: DE
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 charge card with XXXX XXXX XXXX XXXX card number XXXX XXXX XXXX with a {$4600.00} balance that was charged off. I attempted to settle this debt with XXXX XXXX but was told the debt was " cancelled ''. They sent me a XXXX ( which I have attached ). A cancelled debt that I am unable to pay can not remain on my credit files. I can not be held in jeopardy for something that I am unable to correct.
I disputed this with Equifax, XXXX XXXX and directly with XXXX XXXX and they left the item on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: CarMax, Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX entered into a consumer credit transactions with CarMax Auto Superstores , Inc on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines finance charge as the sum of all charges in a consumer credit transaction. The finance charge is supposed to include insurance, but CarMax Auto Superstores , Inc made me purchase insurance separately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
American Express debited my bank account for payment twice for the same amount. XXXX for {$19000.00} and XXXX for the same amount. After XXXX, statement had XXXX balance. I called American Express on XXXX at XXXX and spoke with XXXX. She admitted their was a glitch. She first said I had to have a paper check that would take 10 days to arrive. I said no, wire me the funds back. I gave my bank account info to her. I also opened a dispute with my bank, XXXX. I called American Express today XXXX at XXXX, put on with XXXX in the call center. No wire transfer started, stated it would take 3-5 business days. I have no money in my bank account. I have NSF fees adding up from my bank and I cant buy groceries.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2021 I submitted a complaint against TransUnion and XXXX however I received a response that was appalling and definitely did not demonstrate protection of my consumer rights. The response I received regarding complaint ID XXXX ( TransUnion ) and complaint ID XXXX ( XXXX ) was " company responded there is a unauthorized third party on XX/XX/2021 ( XXXX ) and XX/XX/2021 ( TransUnion ) ''. This response appears to be nothing more than a stall tactic used to deceptively violate my consumer rights because the CFPB has obviously given these two bureaus a right to treat me as if I am ignorant and unaware of my rights by even allowing such a response to be generate and sent be to me. There is no way an unauthorized person would create an account to help me with inaccuracies on my credit report. The response is unacceptable and a direct violation of my consumer rights. I demand that all the referenced accounts and inquires be deleted from my credit report immediately. XXXX XXXX, which is one of the inaccuracies reflecting on my consumer report has already been addressed by XXXX XXXX in a previous complaint, stating that this account will be removed from my credit report however it still remains on my credit report.

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 2021-10-26
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
CareCredit..I obtained the card in XXXX unknown to me the Dentist XXXX XXXX charged the whole amount this was at the start of the pandemic .I put in a dispute for the charge which care credit refunded and never informed me that He Refunded the card completely on XX/XX/2021 and Care Credit is Saying that I still Owe them thousands of dollars and I have been making a payment every month of {$300.00} which is more that what they said was due I never got a bill with a charge just what I owed I had them send me the statement and they refuse to refund all the payments I have made to this account since last year. The bank appears to have people that are not American handling the customer issues which makes this so hard to understand. I was asked if the work was completed and I informed them I did not and he also billed my insurance. They Owe me a year of payments I have all copies of the bill my Name is XXXX XXXX I live in XXXX Il I am paid what I owed and they refuse to refund my payments back account number XXXX XXXX XXXX XXXX and my phone number is XXXX PLEASE HELP 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 monetary relief
Consumer complaint received 2019-07-01
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There is an account from XXXX XXXX XXXX  that is aged past 7 years and still appearing on my credit report. After numerous requests to the credit bureau on removing the account. My rights have been violated as a consumer there should not be accounts past the age of 7 years reporting on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: LoanCare, LLC
State: MO
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:
In XXXX, I requested and was granted forbearance on my mortgage loan with Loan Care. Over the next several months, I received statements indicating that I was enrolled in the forbearance plan. Additionally, I received multiple e-mails informing me about the forbearance plan. 

After a recent credit report was pulled, it was discovered that the company reported my mortgage as delinquent for 60 or more days. That is inaccurate as I was enrolled in the forbearance plan. Disclosures state that there would be no foreclosure or negative impact to credit reporting agencies during period of forbearance. 

This is not the case and the loan company is unable to be reached via telephone to discuss this matter. It is simply a 1-800 number that is voice automated to answer a series of generic Q & A.

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 2019-05-16
Company: EQUIFAX, INC.
State: IL
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 have been in contact with all three major credit bureaus to request " CREDIT FREEZE/ FRAUD? SECURITY ALERTS '' BE REMOVED ; Ive submitted this request verbally, in writing my mail/fax ; and more than 60 days later no one has processed the request what did happen in the course of me trying to get alerts/freezes removed they removed a positive/ open account. I have has a mortgage with XXXX XXXX opened XX/XX/1998 paid every month on time ; never late as agreed and the account was removed an error. Contacted to bureaus to request re-insert again nothing has happen ; my mortgage company has also requested reinsert of account and it seems like the bureaus are blocking the reporting of item however they will not remove freeze or invalid reporting collection from XXXX XXXX. At this time I would like to re-request " REMOVAL of CREDIT FREEZES/ FRAUD/ SECURITY ALERTS AND XXXX XXXX '' and " RE-INSERT OF XXXX XXXX XXXX ''. Supporting documentation is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-26
Company: EQUIFAX, INC.
State: CT
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:
Hello and Good day. Im writing this formal complaint because I am seeking legal options against these companies XXXX and equifax who have failed to follow the guidelines that The FTC And FCRA has clearly layed out for these accounts. I started disputing these negative accounts that will list on XX/XX/XXXX which Ive never received any response within the thirty day deadline that they were given once they received my report which ive also tracked and They have consistently ignored any if my attempts through mail to get The Violations and inaccuracies removed. 
I am also Contacting my attn General because they seem to think they are above the rules set out By the XXXX. 

XXXX XXXX XXXX 1. This account Has been Reaged a number of times and is reporting different dates last active 2. Its reporting recent activity in the payment history section after this account was charged off and closed 3. The next Inaccuracy and now violation on this account is its reporting XXXX for XXXX but equifax is reporting 60 days fir XX/XX/XXXX pay history. 
4. They ALSO HAVE NOT PUT IN A NOTICE OF DISPUTE WHICH MEANS THEY NEVER INVESTIGATED! THATS 4 VIOLATIONS FOR OVER 4 MONTHS! 

XXXX XXXX This account violates the CFRA bevause its reporting a past due on a Collection and has activity after the account was closed as well which is being reported by equifax only. 

XXXX XXXX XXXX This account is Showing the date last active in two entirely different years which means theyve Reaged it. This is illegal and a violation. 


XXXX XXXX EQUIFAX NEVER PUT IN A NOTICE OF DISPUTE WITHIN 30 DAYS OF GETTING MY DISPUTE. ITS BEEN 120 DAYS AMD ITS STILL IN VIOLATION. 

XXXX XXXX XXXX This account is Reaged both the date last active are being reported inaccurately. 
I KNOW and have read online the laws that remate these companies and from what i understand if they dont remove all these accounts i have the right to compensation for injury. They need to do it soon. My patience is wearing thin and its really becoming evident thst they just don't care. 
I will attach all the pictures with these ackunts and the some of letters that I've sent so you can see they have not answered or deleted these accounts and have broken the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: DISCOVER BANK
State: OH
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:
When I reviewed my credit report I noticed that there are inaccuracy on the late payments, on the month of XXXX XXXX  and XXXX  has no data provided but XXXX has it 30 days late payments which is clearly inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-19
Company: CNG HOLDINGS INC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Last XXXX  I noticed several weekly payments coming out of my account from Tempoe , LLC. I called them and asked what this was and they couldn't give me any information as I didn't have an account with them. I asked them " why then are you taking out money from my bank account? '' They suggested I call my bank. 

I called my XXXX XXXX  and they started an investigation and issued me a new debit card as that was how the monies were being removed. They reimbursed me all the funds. 

Sometime in XXXX I started receiving phone calls from a company that said they were trying to collect on the debt. I relayed the same info to them as above. They told me that they were emailing me information. I asked what email they were using and it wasn't mine. Something like XXXX???? 

I then called XXXX County Sheriff Office and spoke with a Deputy who said that this was a common ploy and that I should just tell the people who called that it wasn't my debt and hang-up. He also suggested I keep a watch I my credit report. When I looked today, I found a negative report from XXXX XXXX XXXX in the amount of {$1400.00}. I called XXXX and disputed the report. They suggested I file a claim with the FTC.gov which I am doing today. 

Can you please help?

Company response to consumer: Closed with explanation