BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-12
Company: NRA Group, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was a member of a one time XXXX XXXX challenge at a fitness center. It was advertised as needing so many members by a certain date and it would be free of charge once the several week XXXX XXXX   challenge was completed. Once I arrived I was informed I needed to pay a fee in which I did. I was unaware that after the program ended the company would falsely continue to take {$50.00} a month of my bank account through a third party Company. Once I spoke with my financial institution and contacted the third party Co ( In which there was always a recording, no live rep ) I closed the account to keep the Third Party Co. from continuously withdraw from my account that was not approved. The company had my  account info from when I had to pay the one time fee the day I attended the first visit for the XXXX XXXX   challenge. Now I'm receiving a collection notice for {$170.00} that is not owed.

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 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report XXXX as Company Info : XXXX XXXX XXXX Account No - XXXX XXXX. Amount Owed {$200.00} XXXX. Placed in Collections XX/XX/XXXX XXXX. Last Verified Date XX/XX/XXXX I do not recognize this company and the information. No XXXX performed. I requested all Credit companies to delete this collections company information. But this information never deleted. 

In Accordance with the Fair Credit Report Act this company violated my rights.

15 U.S.C. 1681 Section 602 A 1 States I have the right to Privacy.

15 U.S.C. 1681 Section 604 A Section 2 It also States a consumer reporting agency can not furnish a account without my written instructions. 

Kindly delete the account. 

Thanks 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 non-monetary relief
Consumer complaint received 2023-06-24
Company: EQUIFAX, INC.
State: CO
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 am writing to dispute the following information that appears on my consumer report : Dispute 1 : XXXX / Account number : XXXX ( Credit cards & Credit Lines ) Account opened : XX/XX/XXXX / Credit Limit : {$450.00} Last payment date : XXXX XXXX, XXXX Dispute 2 : XXXX XXXX XXXX / Account number : XXXX ( Credit cards & Credit Lines ) Account Opened : XX/XX/XXXX / Credit Limit : {$800.00} Account Closed : {$800.00} past due as of XX/XX/XXXX Last Payment Date : XX/XX/XXXX Dispute 3 : XXXX XXXX XXXX / Account number : XXXX ( Collections ) Original Creditor : XXXX XXXX XXXX / Account Type : Collection Account Opened : XX/XX/XXXX Balance : {$330.00} Past due Amount : {$330.00} Paid Off : 0 % Dispute 4 : XXXX XXXX XXXX / Account number : XXXX Original Creditor : XXXX XXXX XXXX / Account Type : Collection Account Opened : XX/XX/XXXX Balance : {$290.00} Paid Off : 0 % Dispute 5 : XXXX XXXX XXXX / Account number : XXXX Original Creditor : XXXX  XXXX XXXX / Account : XXXX XXXX Account Opened : XX/XX/XXXX Balance : {$910.00} past due as of XX/XX/XXXX Paid Off : 0 % Explanation of items being disputed : My credit report includes a name that is different from mine. Each report lists the name/alias : XXXX XXXX . However, my name is XXXX XXXX ; as listed on my birth certificate, and social security number. I have never opened a credit card or line of credit, and I am only XXXX years of age. I am a victim of identity theft and don't recognize the accounts on my report ( listed above ). The only loans that I have ever authorized are student loans and they are linked to my real name : XXXX XXXX. All other things on my credit report, previously or presently are fraudulent. Please investigate these claims and have them removed from my credit report. I have made disputes in the past and had them removed as they were also fraudulent. Some of the past reports stated credit cards in my name before I was the age of XXXX. I have suspicion that my social security number has been breached and I am a victim of identity theft and fraud. 
Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I AM INSTANTLY PUSHED OVER TO CORPORATE WHO I CAN NOT XXXX DUE TO MY XXXX XXXX AND IT IRITATES ME VERY MUCH. TIRED OF NO TIME FOR THE XXXX  AND XXXX XXXX XXXX AND BEING SCOLDED ALL THE TIME. 


THE PHONE LINES IN CORPORATE ARE HORRIBLE AND I CAN NOT HEAR THE PERSON ON THEIR VOIP SYSTEM AND THEY DO NOT CARE. 


TIRED OF BEING A PUSH OVER TO SOMEONE NAMED XXXX I CAN NOT HEAR. IT IS SO RUDE AND NASTY. 


THERE IS ONE LADY WHO IS SO RUDE AND NASTY TO ME. THE MEN ARE NICE, BUT SHE IS HORRIBLE AND MAKES ME A PUSH OVER ALL THE TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
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 filed a complaint with the Consumer financial protection bureau complaint ID XXXX filed on XX/XX/2021. The complaint was against XXXX XXXX XXXX reporting a collection and or charge off of {$97.00} on my Equifax credit report. I have disputed the information twice with Equifax, dispute # XXXX and dispute number XXXX Requesting the collection be removed from my credit report as the account has been paid in full directly to XXXXXXXX XXXX XXXXXXXX who is the original creditor. XXXX XXXX XXXX XXXX responded on XX/XX/2021 to my CFPB complaint with the following response : we have already updated the account information and have placed the instructions to have the account removed from Miss XXXX XXXX credit reports and we will send Miss XXXX  a letter confirming this deletion. I also faxed Equifax supporting documentation on XX/XX/2021 requesting the deletion. They have refused to remove this account off of my credit report. Equifax costed me issues with delaying my closing date of my new home as a result of this issue. I also called and told them that I was going to report them with the attorney general as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Citi is refunding {$330.00} XXXX to its credit card customers XXXX XXXXXX/XX/2018 XXXX XXXX If you have a Citi credit card in your wallet, you may be owed some money as part of a settlement that Citibank has reached with the Consumer Financial Protection Bureau ( CFPB ). 

RELATED : What happens to credit card debt when you die? 

The CFPB said that Citibank failed to reduce the annual percentage rates ( APRs ) on some customers credit cards : As described in the consent order, the Bureau concluded that Citibank violated the Truth in Lending Act by failing to reevaluate and reduce the annual percentage rates ( APRs ) for approximately 1.75 million consumer credit card accounts consistent with regulatory requirements, and by failing to have reasonable written policies and procedures to conduct the APR reevaluations consistent with regulation. 

Under the terms of the consent order, Citibank must correct these practices and pay {$330.00} XXXX in restitution to consumers affected by them. 

Citibank self-identified and self-reported the violations to the CFPB, so no additional fines were assessed. 

XXXX reports that Citibank said the refunds will average about {$190.00}. Theyre expected to be issued to affected customers by the end of the year. 

In a statement to XXXX, the bank apologized to consumers for not correcting the matter sooner. 

According to XXXX, customers who are owed money from the settlement dont have to take any action theyll automatically be refunded. 

Read more about the settlement from the Consumer Financial Protection Bureau. 

I tried numerous times to get them to see there was several errors on my account. 
Based on this lawsuit I am due restitution. However, I have not received any information from Citibank regarding this.

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 2020-07-21
Company: Experian Information Solutions Inc.
State: GA
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX  sent me a letter dated XX/XX/XXXX, advising they agreed to remove the remark. XXXX advised me to give the Credit Bureaus 30 days to remove. Thinking I'd received the letter in XXXX, I filed a dispute with Experian XX/XX/XXXX because the late payment was still showing. On XX/XX/XXXX. Experian sent me an update on the dispute advising XXXX reported the information as accurate. I didn't worry because by then I realized I got ahead of myself and I hadn't waited 30 days as advised by XXXX. What I'm filing this claim for is because On the very same day the dispute was updated, Experian also decreased my score by 41 points!!! I was advised by Experian that it was because of the late payment. The late payment was from XXXX of XXXX, so I'd already been hit. They said if I had an issue with the decrease I had to contact FICO because they are the ones who reported the decrease to them. I was not successful at contacting FICO.

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 2022-12-01
Company: EQUIFAX, INC.
State: NV
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'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: BTH Management
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: Account information incorrect

Complaint:
XXXX XXXX reported malicious info to CRA. An account from XX/XX/XXXX ( according yo XXXX employee ) was reported as a XX/XX/XXXX delinquency, I'm not aware of this supposedly delinquency, as I did not receive any validation, I was only aware when I opened my credit report, I believe this an stale debt with a statue of limitation

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: NAM National Arbitration and Mediation
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I have recieved many many many robo calls from various numbers - threatening action, and that a complaint has been filed against me, a claim has been opened, contact your attorney, etc ... on my cell, home, and parents number. Never anything in writing, nothing on my credit report, never giving a company name. All calls are either fully recorded messages or what seem to be partially recorded. 
Today I recieved a call that went to the main switchboard of my work - the call/message was relayed to me by the person answering the phone at the front desk! This is a new job that I have only been at for 8 months and the only place my main work number has been updated associated to me is my online XXXX XXXX  profile, and my online XXXX XXXX profile. To me this means these sites were either hacked, or personal information is being shared/sold to unscrupulous companies. 
Even unfounded these types of calls impact my reputation at my place of employment given the harsh language and threating messages.

Company response to consumer: Untimely response
Consumer complaint received 2019-11-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
THE DISPUTED BANKRUPTCY HAS BEEN DISMISSED AND NEEDS TO BE REMOVED OFF MY CREDIT REPORT. IT HAS BEEN CAUSING TREMENDOUS HARM TO MY CREDIT FILE AND HAS BEEN REPORTING WITHOUT MY KNOWLEDGE. PLEASE HAVE THIS ACCOUNT REMOVE.

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 2022-12-01
Company: EQUIFAX, INC.
State: MS
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:
Please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required. 
This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
XXXX has reported & verified with Trans Union that a mortgage account that went into foreclosure and should have been removed from my credit report XX/XX/XXXX due to age was brought current during a few months at the end of XXXX & beginning of XXXX when it was not. Court papers XXXX XXXX filed for the foreclosure on XX/XX/XXXX accurately reflect that the account was in default and never brought current. This account has been disputed numerous times with Trans Union, most recently in XX/XX/XXXX,  copies of the court papers XXXX filed were included in the dispute but XXXX keeps verifying incorrect information. The date of last payment is correctly shown as XX/XX/XXXX and no payments were ever made after that date. XXXX XXXX reports the account as " OK '' from XX/XX/XXXX thru XX/XX/XXXX and as of XX/XX/XXXX shows 120 days late. Their own reporting is a contradiction showing current in the 3 months preceding a report of 120 days late. Although I sent Trans Union the proof that XXXX XXXX is reporting and verifying incorrect information this account is still on my report when is should have been deleted 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 2023-06-21
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I responded to XXXX/ComenityBank/Bread Financials ' offer in XXXX to open a new XXXX XXXX XXXX XXXX and receive a statement credit of {$100.00} after spending {$1000.00} in 90 days. I fulfilled my obligation in XXXX and was told it would take 1 to 2 billing cycles to post. When I didn't receive the credit, I contacted the bank in XXXX wand was told it took 1 to 2 billing cycles after the 90 days was up, not 1 to 2 billing cycles after meeting the requirement but was assured the credit would be on XXXX statement. It wasn't. I spent over an hour on the phone with XXXX on XX/XX/XXXX and he assured me he was passing it up to the appropriate people and the credit would appear on my XXXX statement. It did not. I called again XXXX and after a great deal of time and several transfers, talked XXXX, SR acct specialist who assured me her manager would have it taken care of by XXXX and if there were any issues someone would call me before that. It was not taken care of & no one called so I wasted another hour today getting as far up the chain as XXXX a SR account Supervisor who spoke to her manager, supposedly the highest level they have, who said there was nothing they could do to issue the overdue credit, or reimburse for interest lost or time wasted. The only thing she was able to do was file a dispute which still did not absolve me from paying the {$100.00} balance I don't owe and may take NINETY days to resolve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian and XXXX  are fraudulent on my following accounts : XXXX is fraudulent on my credit Account # XXXX. 
XXXX/XXXX is fraudulent on my credit Account # XXXX. XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX. XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX. XXXX XXXX XXXX is fraudulent on my credit Account # XXXX. 
XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # 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 2019-11-12
Company: Diversified Consultants, 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:
2 Accounts in collections under the company of Diversfied Consultants reporting the wrong delinquent date on both accounts. I have a account that went delinquent with XXXX the original creditor XX/XX/XXXX, and another account with XXXX XXXX that first went delinquent in XX/XX/XXXX. I want these accounts verified with the original creditors, I want a copy of what was used to verify both accounts. Under section 611, I want all verified resources to be mailed to my address on my credit report. Im trying to avoid getting an attorney to help me with this matter. I want all information on my credit report, reporting accurately or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: DISCOVER BANK
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021 I spoke with senior loan processor XXXX XXXX about what was still needed to finish the approval of a home equity loan. At this time I was told all I needed was a copy of a stimulus check that was deposited into my checking account in XXXX. I told XXXX it would be a few days since my bank would only mail me a copy. At this point I asked Ms. XXXX what the chances of approval looked like and she said 98 % that this was happening and to look for a 2nd week of XXXX for closing. Two days later, I received an email from XXXX informing me that they could not approve the loan. I feel I was misled and lied to by Ms. XXXX concerning my approval. In a separate email, she apologized and said she felt horrible for how this happened. I can provide emails if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: Bread Financial Holdings, Inc.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has been calling people that live in my town after Ive asked them not to contact me. I was injured at work, lost my job and am trying to deal with getting back on my feet. They called a woman in town several times over the past few days and have been calling me on an average of 5 times daily.

Company response to consumer: Closed with non-monetary relief