BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I canceled my gym membership over the phone with XXXX XXXX. When asked what bank I wanted the close out fees deducted from I provided my existing bank ( XXXXXXXX XXXX  ). An employee working the counter at the gym took my bank account and routing number. She then charged an old bank on file ( Citizens Bank NA ) that had been closed for 2 years for {$49.00} on on XX/XX/XXXX. In her defense they have very similar account numbers, but completely different routing and bank names. I then spoke with XXXX XXXX ( handles billing for XXXX XXXX ) who fully admitted fault in writing. I offered this admission in writing to Citizens Bank, who told me they would contact me and let me know if they needed the information, but never took my evidence, and completed the case weeks later by sending me a letter saying no fraudulent activity was found ( after their own agents told me to open the fraud case in the first place ). To be clear, I never gave XXXX XXXX XXXX authorization to charge a Citizens Bank account XXXX in any dollar amount. Citizens Bank reopened my XXXX XXXX XXXX closed account and debited the amount, and then charged me overdraft fees and it was sent to collections before I ever knew what was going on. I am a XXXX XXXX and it is very important that I do not have debt settlements or collections as it could effect my licenses. The money is a minor amount and not the issue for me. It's the principle that I provided correct, updated bank information, and a bank that I haven't used for anything and has been closed for over 2 years is extorting me for petty overdraft fees. This is bad business and absolutely fraud. 

Additional info : I updated my bank account information with XXXX XXXX on XX/XX/XXXX online, and took the time to be extra careful and read out the entire account number and routing number foXXXX XXXX XXXX to the representative at XXXX XXXX on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-13
Company: EQUIFAX, INC.
State: WA
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:
We submitted the document to the courts and institutions but they did not remove the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: AMERICAN EXPRESS COMPANY
State: AZ
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:
Subject : Dispute Ref # XXXX Transaction Amount {$1900.00} dated XX/XX/2022 Dear Sir/Madam, I am writing this letter with deep disappointment and frustration over the countless hours spent following up on my dispute request. I had booked a flight ticket through Amex Travel, canceled the reservation due to unforeseen medical emergency before the journey 's start date, and received a confirmation email from Amex Travel with an approved travel credit to be used for a future travel. When I called Amex Travel at a later date to rebook the ticket, they were unable to locate any travel credit in the system.

Despite repeated calls to both Amex Travel and XXXX XXXX, I was forced to proceed with a dispute. Both XXXX and Amex Travel sent emails stating that a travel credit was issued, but neither party knows where the credit amount is placed or how to rebook the ticket with it. From my awareness of accounting principle, when a credit or debit is issued, it should be visible in the system with the customer account. However, why is that nobody is able to locate the credit amount in this instance? 

I'm extremely disappointed by the insensitive attitude of American Express accounting staff towards this situation. Instead of simply denying my genuine request, I request Amex Travel to work with XXXX XXXX to find the travel credit. I believe it is the responsibility of the division to do so when it claims itself to be a seamless travel reservation portal. 

I hope someone from your dispute resolution department can understand my concerns and arrive at a fair decision. I have all the necessary supporting documents for this matter. However, if American Express does not make a fair decision

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: LEXISNEXIS
State: AR
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/XXXX. XXXX LexisNexis sent me an documented letter stating that they had removed the bankruptcy from my consumer report. Then I received a letter XX/XX/XXXX stating that LexisNexis has verified the Bankruptcy as accurate and to contact the court. Which I have and in the attachments you will be able to view. My Drivers License, my Social Security Card and the letters from LexisNexis and the Courts. They are illegally keeping a negative item on my credit. Which is hurting my ability to by a home or obtain credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting 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 recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to ha completely deleted. The FOLLOWING derogatory accounts allegations are either XXXX, XXXX, XXXX INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PR COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment my credit report : ( dispute_item_and _explanation ) I am demanding that this account be updated to Paid as Agreed and Never Late. 1116 By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these aforementioned derogatory items be investigated and permanently removed from my report. I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. Sincerely, Your Full Name " Attach copy of ID and Utility bill ( bank statement if you don't have utility bill )

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 2023-03-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Back in XX/XX/2022, a scammer had me transfer XXXX from Bank Of America to XXXX XXXX XXXX  with a promise of investing it. The service never provided me money and kept asking for more. The scammer used the web site lead-assets.com to run their operation. BOA looked into it but said since I sent the money and it was not stolen out of my account, they are not liable.

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 2018-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I purchased item from XXXX thats not compatible to my computer. I wrote a letter to the company and they refused to take the merchandise back. I had my attorney forward them a letter.. I dispute this charges to my XXXX credit company and I was refunded. Recently, I review my credit file and see that XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX is report a collection. I want this erroneous information remove from my account immediately.

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 2023-03-01
Company: TOYOTA MOTOR CREDIT CORPORATION
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 have submitted two complaints and responses regarding this account, they have only removed some not all late payments as requested. They are still currently reporting incorrect information and this is negativley affecting my report. They are violating my rights and FCRA. I have submitted a complaint with the Attorney General as well. They have removed some late payments that were inaccuratley reported and have acknowledged reporting innacurately. However they still refuse to remove all the payments as requested and comply with FCRA. They have edited their reporting and state they are reporting within the guidlines. They knowingly and willingly reported false information and have made edits after seeing dates not match up on the 3 bureaus but have not removed all late payments as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting 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:
These inquiries dont belong to me, and these addresses are non mailable addresses so they need to be removed. See attached so many discrepancies with the compliance of my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01
Company: JPMORGAN CHASE & CO.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a Mortgage with JP Morgan Chase Bank. While Applying I was told everything was going normally until a late email on the XX/XX/15 stating there was an issue. Chase gave a somewhat vague description related to the XXXX 's insurance as to why. When I asked for the specific issue, including lines of the insurance, they did not answer. This confused me and my XXXX agent. This late change forced me to switch banks, push back closing, and get a worse interest rate on a Mortgage than Chase had locked me in for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened up a complaint ( XXXX ) that was closed based on American Express response XXXX They indicated that I was informed that I was not eligible for the promo offer of XXXX XXXX miles. I was NEVER notified. I would have cancelled my application at that time. Because I was not notified I made the required spend only to find out months later that I was not receiving the miles. 
I would like a copy of what I was sent and proof that it was sent and acknowledged by me. I went through all of my emails and have no such email. I also did not receive any written acknowledgment. My wife received a promotion to make a referral which she did and it advertised XXXX miles. I received the referral and completed the application from the referral I received from American Express. I was then approved very quickly but no mention was made about the possibility of not receiving the miles. I have a credit score of XXXX so how is that they want my business but wont follow thru with the miles they promised? This is very unethical!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Resurgent Capital Services L.P.
State: NV
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: Was not notified of investigation status or results

Complaint:
I served on the company a demand for validation of the debt they are reporting that I owe them ; company failed or refused to validate the debt and/or failed to investigate and the company continues to falsely/fraudulently report to the credit bureaus negative comments and/or remarks that injure me and drastically affect my credit score even after failing to validate the debt pursuant to law ( see demand for debt validation letter ( s ) included ), whereas the company is in default and their false reporting must be deleted from my credit report ; this company also violated the law when they canceled the associated credit card ( s ) without lawful authority and absent my consent. This/these lines of credit must be restored forthwith.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-04
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

XXXX XXXX {$910.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$98.00} XXXX  XXXX  XXXX {$450.00} XXXX   XXXX  XXXX {$1200.00} XXXX XXXX  XXXX {$560.00} XXXX   XXXX XXXX  XXXX {$1400.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX {$77.00} XXXX  XXXX {$10000.00} XXXX  XXXX {$1200.00} XXXX  XXXX  XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX  XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX  XXXX  XXXX {$2100.00} XXXX  XXXX {$3500.00} XXXX/XXXX  XXXX {$1400.00} XXXX XXXX XXXX {$180.00} XXXX  XXXX {$600.00} XXXX   XXXX XXXX {$1500.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: EQUIFAX, 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:
fcra violations ; not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX  XXXX, TX XXXX SINGLE FAMILY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Financial Business and Consumer Solutions.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have started getting calls from FBCS on a regular basis recently. I didn't even know who or what FBCS was. I had to look them up online to find out this is a debt collection company. I am NOT in debt! I thought I got this straightened out last year when I went through this same problem with other debt collection companies. I was getting frequent calls for an XXXX XXXX XXXX, who apparently used to have my landline number. I filed a complaint through you and the calls from debt collectors stopped. Well, they've started again this year. I have had the same landline number for 3 years, so whoever this outfit is trying to reach is calling a number that hasn't been that person 's for years! I don't trust them, so I haven't called them back. I'm filing this complaint and blocking their number. I can't tell you how sick and tired I am of getting bombarded with calls for the wrong person. What does it take to get through to these debt collectors? I do not have an unlisted number, so it would be easy enough for them to check and see if the number they are calling matches the name of the person they're trying to reach. They don't bother. They start calling early in the morning, like XXXX. I thought it was illegal to call before XXXX am. If they are legitimate, they need to stop that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX is reporting the wrong balance on all 3 Credit Bureaus the remaining balance is {$13000.00} This car was reported as stolen in XX/XX/2019 GAAP insurance Company XXXX XXXX XXXX XXXX released {$10000.00} to XXXX XXXX XXXX for Comprehensive coverage, which is the settlement that is agreed on. It is my belief that XXXX is reporting A balance of {$13000.00} to deceive me into paying them the extra money for a stolen vehicle. XXXX has been reporting me as late to the Credit Bureaus even though I reported the vehicle stolen immediately. Then they listed the account as a chargeoff which took my credit score down even 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 2023-03-02
Company: VW Credit
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Volkswagen Credit ruined my credit score. I used their autopay system and the system did not work properly and my credit suffered from that. Prior to using the system my payments was never late. In XX/XX/2022 I put my payments on autopay using the VW credit app received a confirmation message that the payment will be processed on the XXXX of XXXX. The VW agent explained she sees where I activated the automatic payments in XXXX but the system didnt take a payment until XXXX. She removed all late fees from my account. The account has been paid in full. All I ask is that the negative marks be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-29
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XXXX I attempted to open a savings account AT XXXX XXXX with funds from PNC Bank. 

PNC blocked the transfer.

Company response to consumer: Closed with explanation