BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-14
Company: Experian Information Solutions 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:
FICO-8 Experian score has been XXXX for over two years. 
XXXX, XXXX improperly and illegally reported my account with them as closed with a balance ( after contacting them, they admit several accounts were " accidentally closed '' due to a computer error XXXX XXXX, XXXX. 
The action from XXXX immediately dropped my FICO-8 score with Experian 11 points ( obviously due to what they perceived as suddenly more debt to credit available ). 
XXXX, XXXX XXXX used this incorrect fact as an action point to their advantage in late XX/XX/XXXX to notify me of an INCREASE in APR on account balance with them in excess of 5 percent ( this annual APR was a variable prime plus rate which equals 15.24 percent currently ). XXXX increased credit rate to annual APR of a variable prime plus rate of 20.24 percent effective XX/XX/XXXX. 
I had not been monitoring my credit profiles save for my free annual reports ( last was summer XXXX before the above happened ). After XXXX notified me of their pending increase, I research the cause. Contacted XXXX to fix my account status - file dispute with them and Experian. Experian and XXXX say " the problem was fixed '' within a couple days of their reporting " computer glitch '', but did not go further in fixing my Experian credit profile. 
Now I'm to the point of disputing their results of my original dispute. XXXX says it isn't their problem and glitch was fixed on their end. XXXX doesn't care because they say they formulate credit decisions based on current information in Experian credit file, whether accurate or inaccurate. 
This brings me to the final cog in the wheel, Experian. Even if my dispute was valid, they won't go back and restore the FICO-8 score that was reported to XXXX in the intervening time AFTER XXXX caused the problem and I discovered it after XXXX  XXXX has already taken punitive action against 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 explanation
Consumer complaint received 2019-08-01
Company: WELLS FARGO & COMPANY
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was contacted by XXXX XXXX a lawyer representing XXXX XXXX and when I requested debt validation after her first contact I was sent a letter attempting to negotiate a settlement but no debt validation and a vast majority of the content of the letter is false statements. I responded that this was in violation of the FDCPA and after receiving my letter Ms. XXXX filed a lawsuit against me and then sent the notice of debt verification a full 3 months after initial contact.

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 2022-08-12
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:
It has been a battle going through this and I am submitting this CFPB complaint to delete the following fraudulent information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I have read that the Credit Bureaus are required to remove any account and information that resulted to identity theft. By submitting this complaint, I am looking forward for the removal of the disputed items completely from my Credit Report : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  LA XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6400.00} XXXXXXXX XXXX XXXX Balance - Date opened 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 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$790.00} XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry 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 non-monetary relief
Consumer complaint received 2017-12-30
Company: JPMORGAN CHASE & CO.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I totalled my car XXXX XXXX, XXXX. I was reimbersed by my insurance company XXXX XXXX. At that time, I was told by the insurance adjustor the remaining loan amount would also be paid off. It WAS. I received a letter from JP Morgan Bank that they had provided Chase Auto XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( c/o XXXX XXXX XXXX ) of receipt of payment and that it had been forwarded. XXXX XXXX considered it a late payment and obviously reported it immediately after due date to all Credit Report Companies. Record will show that from XXXX XXXX to XXXX XXXX the car payment was drafted on time. This was catorgorized as History of Late Payment on my XXXX Credit Report. An email ALERT advised me of the occurrence that lowered my credit rating. I was never notified by Chase Auto of their concern of a late payment. Do not hesitate to request more infomation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX is in violation of the Fair Credit Reporting Act ( FCRA ). 15 U.S.C. 1681 et seq. for unlawfully obtaining my TransUnion consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the FCRA. See XXXX5 U.S.C. 1681b. Specifically, the FCRA provides, A person shall not use or obtain a consumer report for any purpose unless -- ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section : and ( 2 ) the purpose is certified in accordance with section 1681e of this title by prospective user of the report through a general or specific certification. 15 U.S.C.

1681b ( f ). Chester vs Purvis, 260 F. Supp. 2d711 ( S.D. Ind 2003 ). 
I have not initiated any transaction with XXXX XXXX. Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX for review or collection

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 2022-02-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I write you to address cascading events sprung by serial errors of Citizens Bank XXXX XXXX MA. It started last fall with XXXX mailing my bank statements to a defunct out of state business address in error. These statements indicated three returned checks with associated overdraft fees. XXXX mailed a letter to me received on XXXX XX/XX/2022 stating that I owed XXXX  {$230.00}. 

This if the first time I knew there was a problem since all my statements were being sent elsewhere without my knowledge or consent. I called the number on the letter, and I asked for and got a list of the six charges totaling {$200.00}. I agreed to pay the full amount of {$230.00} immediately. The XXXX Rep said if paid that same day there would be no further action. 

I immediately went to the XXXX ( local ) branch, met with Bank Manager XXXX XXXX XXXX, explained the situation, and I paid the full balance. She assured me that the matter was at that moment ; settled. XXXX XXXX revealed the statements were going to a NH address and thats why I had no notice. Further, she said she would bump my complaint up to top management for corrective action. As of now, I have heard nothing. 

Yesterday, I received a demand letter for {$230.00} from a debt collection company, XXXX XXXX XXXX, XXXX ( attached ). Now, my credit score has been damaged by false reporting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-15
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This is XXXX XXXX and I'm sending a complaint on an account that has caught my eye. The account SYNCB/XXXX  with account number XXXX was not mine. There must be an error with XXXX 's investigation since it is only reporting on their Bureau. Thus, this account is already closed and old. It should not be displayed on my file. I suggest to supply any documentation to attest that the account was in fact mine or for everyone 's convenience kindly erase this on my file.

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 2017-12-30
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I called to schedule a payment for XXXX XXXX XXXX as well as to schedule a payment on apast due balance. Lady worker said they where busy and would call back. I never received a call instead I checked my bank account and 4 chargers where placed on my bank account. Previously, company ACH my bank due to a payment I apparently was behind. I had paid off the balance and them as workers did not set the money towards the payments as per the manager. She then stated I should refinance which would eliminate the problem. I didnt know that I had to reborrow and pay more interest just to fix there issues. They stated I would get a refund and till then have never got it. They keep saying the district manager is  working on it but I never here anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX XXXX XXXX XXXX : VALIDATION OF ACCOUNT Reference Account # : XXXX To Whom It May Concern, This letter is being sent to you in regards to the letter I received dated XX/XX/XXXX ( attached ) which is advising me to make payment of a debt I do not owe. Please be advised that this is a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation was requested. 

Additionally, I am a victim of identity theft and have attached the documents along with this complaint. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section of the Fair Debt Collection Practices Act. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 

Debt validation includes the following : 1XXXX Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 
4. What was the original date of delinquency for this account? 
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 
6. What did you pay for this account, and how did you calculate the current amount owed? 

I require compliance with the terms and conditions of this letter within 30 days of your receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages. 

In addition, the Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will not report this information to the Credit Reporting Agency until full validation has been completed. 

I have sent a copy of this request for validation to the three national Credit Reporting Agencies to begin their 30-day investigatory process concurrent with your investigation. 

Sincerely, 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 2017-07-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Citizens bank continues to charge me ridiculous funds when they hide transactions to purposely make your account go in the negative. On XXXX XXXX I received a XXXX nsf I hve screenshots that the transaction that came through left my account with XXXX cents. When speaking to XXXX from Executive office who could care less advised me I should not be using the app or online to confirm my balances This makes no sense its the 20th century! She tells me that I should be writing down my info whats the purpose of having these tools if they are not accurate. Citizens is charging me XXXX since they say I had a XXXX hold that was NOT reflected in my balance I am escalating this to the highest level as POSSIBLE and do not EVER want to be contacted by XXXX again I am currently looking for a new bank after reading so many reviews Citizens continues to do this to hard working consumers. I do not have funds to pay these fees! Transactions on hold disappear I monitor my account VERY closely and XXXX advises me track by writing things down because she does that 's a terrible reply to hear from someone supposedly in the Executive office this company could care less about there consumers and are out to get fees anyway they can!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
Bank of America promised to reward XXXX dollars to customer who spend XXXX dollars within 3 months after opening their credit card. I have not received this such reward, and the bank representative denied the existence of this offer.

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 2017-07-12
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: Public record information inaccurate

Complaint:
I continue to have problems with the credit reporting companies retaining a BK and Charge off of an XXXX XXXX that was decided by the court to be erroneous. I have enclosed the documents showing the final judgment in our favor AND the judge ordering the return of the house to us. This has caused distress to me and my wife as we are trying to secure funds for a newer home. Please see attached court documents. The matter was settled, the property was released and the summery judgement was denied and closed with prejudice against the Bank. ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: Hayt Hayt & Landau, P.L. (FL)
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
According to the Fair Credt Reporting Act Section 609 Disclosures to consumers ( a ) ( 1 ) ( A ) companies are required by Federal Law to verify debt. Upon receiving debt collection efforts from Hayt, Hayt & Landau PL, I have specifically requested that they provide me with a copy of the agreement authorizing Hayt, Hayt & Landau, PL to collect debt on the behalf of XXXX XXXX and a copy of the original contract I signed with XXXX XXXX bearing my signature. I sent Hayt, Hayt & Landau, PL 3 requests for this information on XX/XX/19, XXXXand XX/XX/19. Each of their responses purposefully ignored those requests and only sent a slew of bills from the original creditor to myself. THIS DOES NOT SUFFICE AS VERIFICATION OF DEBT. Attached, you will see all 3 requests Ive made for proper verification and their same response which is the slew of bills from XXXX XXXX. I believe they are violating the law.

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 2020-02-14
Company: Incomm Holdings Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2020 I purchased a Vanilla Visa Gift Card from a XXXX store in XXXX, SC. I immediately purchased a pack of mints for {$4.00} ( approximately ) at the same XXXX so that I could create a PIN for the card. I bought it for my XXXX year old daughter to take to XXXX XXXX for a school field trip. I originally added {$130.00} to the card and so there was a little over {$120.00} left on it. My daughter had a friend that also bought one at the same store and within 2 hours the money was gone and she had not used it. I then checked our card and the money was still there. I didn't check the balance again until XX/XX/XXXX and there was only around {$.00} left on the card and we had never made another purchase. I called the company immediately and they told me where the charges were made ( somewhere online but I couldn't understand what the person was saying ). She then told me they would investigate and IF the charges were not ours we may get our money back in 90 days or so. My daughter was at XXXX with no money because we thought we were using a safe way to send money with her! They had horrible customer service and that same day another girl on the trip had that happen to the same Vanilla brand Visa gift card ( bought at a different store ). I have had several people now tell me this happened to them and they never got their money back. There are numerous complaints I have now found online about these gift cards. We just want them to make it right and return our money ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have recently obtained a copy of my credit file and there are many mistakes in my report.   According to the Fair Credit Reporting Act , Section 609 ( a ) ( 1 ) ( A ), you  are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.   I demand to see Verifiable Proofs of the accounts you listed as below :  XXXX   XXXX   XXXX   XXXX  -ACCOUNT NUMBER  XXXX  : Unverified account  XXXX  - ACCOUNT NUMBER  XXXX   XXXX  : Unverified account  XXXX  - ACCOUNT NUMBER  XXXX  : Unverified account   XXXX   XXXX   XXXX   ACCOUNT NUMBER  XXXX  : Unverified account  XXXX  COUNTY RECORDER DATE FILED   XX/XX/XXXX   : Unverified public record US BKPT CT CA  XXXX   XXXX  DATE FILED   XX/XX/XXXX : Un verified public record Additionally, my address is  XXXX   XXXX   XXXX   XXXX   XXXX   ,  CA  XXXX  Please update.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation