BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-29
Company: Experian Information Solutions 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 had an account with the XXXX XXXX XXXX ( Total Card services ) that was sold to a creditor XXXX XXXX XXXX for delinquency. On XX/XX/2020 I paid the debt in full to XXXX XXXX XXXX with the guarantee in writing from them that on XX/XX/2020 the account would be deleted from all three of my credit reports. This account has not been deleted and is still showing delinquent on my credit report. I filed a complaint with the XXXX XXXX XXXX in which XXXX XXXX   stated that they requested that this account be deleted from my credit report. This account has not been deleted and is damaging my credit. I submitted multiple disputed to all three bureaus and every time they reply back after an investigation saying that the debt/account will remain even after I provide then with the documents from the company stating that the debt is paid and it should be removed, along with the complaint letter from the 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 2018-02-08
Company: Commonwealth Financial Systems, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received notice via XXXX that my credit score decreased due to a collection added from COMMONWEALTH FINANCE for {$580.00}. I do not recall doing business with this company nor did I receive any notices in regards to this bill that would have allowed me to dispute it. The account was opened XX/XX/2017 and I had no medical services at this time. 

I have contacted the company in an attempt to verify this debt is indeed mine but I have not heard from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
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: Credit inquiries on your report that you don't recognize

Complaint:
I contacted XXXX on XX/XX/2018 to dispute inquires listed below because i was victim of their " inquires Issue '' and they refused to remove it. There for i come to you with hope you can help me to remove the following inquiries and delete them completely from my credit INQUIRIES XXXX XXXX XXXX ( REMOVE ) XXXX XXXX XXXX  ( REMOVE ) XXXX XXXX XXXX ( REMOVE ) XXXX XXXX XXXX ( REMOVE ) XXXX XXXX  XXXX XXXX XXXX ( REMOVE ) XXXX XXXX ( REMOVE ) XXXX XXXX  XXXX XXXX XXXX XXXX REMOVE ) XXXX XXXX ( REMOVE ) To delete they said they would not help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: EQUIFAX, INC.
State: OR
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:
After sending a letter to XXXX XXXX and getting no response I filed a complaint with the CFPB requesting that the validate NOT verify a debt that they are attempting to collect from me and have yet to receive a response. After disputing the account with Equifax, I asked for validation from Equifax. I specifically asked for a signed agreement and other supporting documentation. They provided me with a letter stating the account was verified which does not prove that I am responsible for this debt. Neither the credit bureau, nor the collection agency provided me with proper legal validation of the account. They are reporting delinquent information on my credit report that I am asking to be deleted based off the following sections of the FDCPA : 15USC 1692c ( a ) ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- And 15USC1692f A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
I have submitted TWO REG Z BILLING DISPUTES TO XXXX AND THIS WILL BE THE FOURTH COMPLAINT! They just removed one month of negative reporting but left one still being reported!!! - They need to FULLY FIX MY CREDIT REPORT!! AND NOW THEY SEND ME A SBILL SHOWING XXXX DUE!! I 100 % dispute the late payment reported by XXXX AND THE BALANCE DUE. My account number ends in XXXX and the last four of my SS # is XXXX. I have been impacted by XXXX. I was admitted to the hospital in XXXX. Not only did I have the virus and was in the hospital for a long time, I lost my job. I spoke with XXXX and was advised My payments were deferred until XX/XX/2020. I get a credit alert and they have reported me as past due. This is a VIOLATION OF THE CARES ACT AND THE LATE PAYMENT NEEDS TO BE REMOVED! I WILL PAY THIS ACCOUNT IN FULL ONCE THEY CORRECT MY CREDIT REPORT AND REMOVE THE ERROINIOUS LATE FEES!!!!! I was told I was provided protections under the CARES ACT and they failed to adhere to what was offered to me! No one has called me from XXXX! I received no written notice or terms of the deferred payments/forbearance plan. All I had to rely on was what the Rep told me. I thought I was protected until XXXX. XXXX needs to make this right, AND COMPLY WITH THE CARES ACT AND FIX MY CREDIT REPORTING AND REMOVE ALL LATE FEES AND CALL ME ONCE THAT IS DONE! In either XXXX or XXXX, I was able to call XXXX and I had also filed a Reg Z billing dispute and sent to the designated address. The rep I spoke with saw the dispute in review. At that time, I paid the balance of my account but all a {$35.00} late fee THAT WAS IN DISPUTE! That was the only amount due. She told me, I would receive a written response. I NEVER RECEIVED IT! Not long after that call, I was back in the hospital due to complications from XXXX. I was just sent home yesterday. I was unable to take any action or call anyone regarding this account! XXXX needs to remove ALL THE NEGATIVE REPORTING THAT HAVE REPORTED AND TAKE MY BALANCE TO XXXX AND CLOSE MY ACCOUNT!!! THEY ARE IN TEH WRONG HERE!! HOW DO I OWE {$110.00} WHEN ALL I " OWED '' WAS {$35.00} THAT WAS IN DISPUTE??!! THEY NEED TO GET IT TOGETHER AND RESPOND TO THEIR REG Z DISPUTES AND COMMUNICATE WITH CUSTOMERS!

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 2020-08-29
Company: Experian Information Solutions Inc.
State: MS
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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: EQUIFAX, INC.
State: AL
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:
the following accounts have been disputed on these dates for these reasons : XX/XX/XXXX, XX/XX/XXXX Incorrect balance, the date reported, and the account type are inaccurate. 

XXXX  XXXX XXXX  # XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: AMERICAN EXPRESS COMPANY
State: CA
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 have XXXX amex membership points through the amex platinum card. I try to transfer the points and XXXX and it doesn't allow. I called them and they have no further details on it other than saying it is being reviewed. Why are they freezing my account? I am a customer who has spend over XXXX on all amex cards in 2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: Lending Club Corp
State: NJ
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: EQUIFAX, INC.
State: OH
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:
While reviewing my credit report there are hard inquiries that I do not recognize. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: CITIBANK, N.A.
State: GA
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX / XXXX / ( XXXX ) XXXX Citi card # XXXX XXXX XXXX XXXX Dollar amount : {$1800.00} Description of problem : On XX/XX/XXXX I had 5 charges made to my credit card ( XXXX ) that I did not make. A claim ( Citi card Fraud division ) was filed on those charges. 
I had Citi card cancel the card ( XXXX ) and a replacement was requested ( XXXX ). 
On my statement dated XX/XX/XXXX Citi removed all the charges ( Security Credit- Item Under Investigation ). 
On my statement dated XX/XX/XXXX security credit reversed the charge of {$1800.00} -XXXX. 
Since I did not make or authorize this charge, I am requesting {$1800.00} be removed from my account. 
Also, the interest charge incurred because of the {$1800.00} charge be removed from my accounts. 
All the charges were made in California and both XXXX charges were made on the same date and at the same store. 
Since XX/XX/XXXX I have made several calls to the fraud department to resolve the problem ( {$1800.00} ) to no avail. 
All the while for the last 3 months my interest charge has increased because of the incorrect charge. 
The Electronic Funds Transfer Act ( EFTA ) protects checking accounts and debit cards from unauthorized charges. 
The Truth in Lending Act ( TILA ) protects credit cards from unauthorized charges This problem needs to get corrected. 

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 monetary relief
Consumer complaint received 2018-07-12
Company: Halsted Financial Services, LLC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had a credit card and was not able to pay for it due loss of work and explained that credit card company and they decided to send it to collection a screwed up my credit when I made numerous attempts to ask them to hold a bit longer due was not able to find work. It is not easy finding work in the state of Florida

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: ALLY FINANCIAL INC.
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly 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 2019-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
Inquiries product of Identity Theft. I have and extended fraud alert and multiple police reports on file. 

XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2019-05-30
Company: International Computer Systems, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2019 I noticed a new collection account on my XXXX credit report. Account name is FIRST COLLECTION SVCS stating a debt all of the sudden out of nowhere for {$320.00}. Also on XXXX as Account name ICS. Both stating original creditor to be XXXX XXXX XXXX. I do not owe said bill, I have no outstanding utility bills. I disputed the collection stating " no contract, no validation of debt ''. Dispute is complete and item was not removed nor anything showing this was my debt. I have left voicemails to collection company. I do not understand how this utility bill they state it is from can show up out of thin air all the sudden when i do not have any past due items, especially and confidently Utilities ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My names is XXXX XXXX Executor Of My Son, XXXX XXXX XXXX. He was killed in a XXXX XXXX that wasnt his fault on XXXX. He was a XXXX yr old XXXX XXXX. His father, XXXX were XXXX. He just bought a 2019 XXXX XXXX financed through XXXX XXXX. The Survivor Specialist just informed me they no longer offer Payment Protection/ Debt forgiveness as of XX/XX/XXXX. That would have paid his Loan off. Yet it is still advertised in there Survivors Guide. I am totally shocked that a XXXX dollar bank would expose itself and its members to such hardship. Its very reckless of the company. Please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was emailed on XX/XX/XXXX by a ( XXXX ) who claimed to be interested in buying a painting from me ( I am a XXXX ). I told her the price ( {$1100.00} ) but she sent me an overpayment of ( {$4100.00} ) in the form of a check with the excess {$3000.00} to pay her 'shipper. ' I deposited the check, which cleared after one business day. I then paid her 'shipper ' the ( {$3000.00} ) using XXXX . After paying her shipper, the check which has already cleared was then withdrawn from my account ( XX/XX/XXXX ). I lost all of my money by this scammer. A total of a {$3000.00} loss. 

Chase refused to refund the XXXX transactions as I authorized them myself. 

XXXX refused to assist me because I use their service through the chase mobile app. 
Chase does not insure the deposited check because it was a credit to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My unemployment card was mailed to me on XX/XX/XXXX via XXXX. I was told on XX/XX/XXXX that it would take 3 to 5 business days for card to arrive and was told no tracking number can be provided. On XX/XX/XXXX at approximately XXXX, I heard my door bell ring. I'm XXXX years old and don't move as far as I used to, I hear foot steps walking away. At first i didn't think anything of it because I wasnt expecting and packages, this was the second day. So around the 4th day XX/XX/XXXX I called Bank of america and asked about the status of my card and they said it was activated and all the money was gone. I filed an initial claim which I was told was automatically denied. So I filed a second one on XX/XX/XXXX. I asked for provisional credit but was told I wouldn't get it. I really need the money for bills and medicine. Please 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 2020-08-29
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with AMEX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and AMEX with no successful resolution. XXXX, XXXX, and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 ), also I was never 60 days late ( XX/XX/2019, XX/XX/2019 ), lastly I was never 90 days late ( XX/XX/2019 )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: RFNA, LP
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
My payment is past due and Republic Finance not only called my place of work to confirm employment, but also told one of my employees that they were confirming because I am " on probation. '' This is defamation of character and now all of my employees are wondering what I'm on probation for and I am not on probation at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XX/XX//2017 I started an application to file bankruptcy but never completed the application process. Therefore the court dismissed XX/XX//2017. 

XXXX XXXX has failed to report my payments since to the three credit bureaus, thereby causing me not to be able to qualify for refinancing. I have paid all my payments to the on time monthly. However they did not report my payments to the credit bureaus. 

I did not know they were not reporting my payments to the credit bureau until I applied to refinance my home, and the perspective lender advised me the payments were not showing up on the credit reports and were hurting my score and ability to get a loan. 

I called XXXX XXXX and disputed with the credit bureaus repeatedly without their taking any action to help me. 

XXXX XXXX  account # XXXX Balance approximately {$6000.00} Home Equity line of credit

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 2019-11-04
Company: Kohn Law Firm S.C.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/19 I have attempted to obtain information from Kohn Law Firm about the nature of a debt that they claim I owe. I have asked for an itemized description of the debt and how they calculated the amount that I allegedly owe. The alleged debt is past the statue of limitations, yet they claim they are still charging interest on the debt. Kohn Law firm claims that they have no obligation to provide a written explanation that itemizes what I allegedly owe. The amount owed is allegedly $ XXXX.The original creditor is XXXX and the Creditor listed is XXXX XXXX , XXXX. 

Kohn Law Firm XXXX XXXX. XXXX XXXX, XXXX . XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation