BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-14
Company: EQUIFAX, INC.
State: FL
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 have contacted Equifax several times about a hard inquiry appearing on my credit report dated XX/XX/2019. The inquiry shows it is from XXXX on printed report and as XXXX on XXXX XXXX. 

In my CFPB complaint # XXXX ( a copy attached to this complaint ), XXXX replied with the following : " We received an application on XX/XX/XXXX using information that verified to you. We accepted the application as fraud on XX/XX/XXXX after speaking with you. We were unable to locate any letter from you regarding this matter previously. We asked the credit reporting agencies to mask the credit inquiry from your credit report on XX/XX/XXXX and again on XX/XX/XXXX, which means it will only be seen by you and the reporting agency and not by any other organization reviewing your report. This will not negatively affect your credit report, and it will not be visible to creditors. " XXXX has stated that they informed Equifax " to mask the credit inquiry '' but Equifax has failed to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: EQUIFAX, INC.
State: CA
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:
there is a company saying i owe for medical bills. the information equifax gives as the phone number and address and both closed. i have sent certified mail and tried to show proof of this but getting no where. also to try to log on now the give me a questionnaire of things i have never had such as student loan and car loans in a period of time i had tax liens and never applied for any credit. so their information is also false and when answer none to the questions i wont let me access anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: CITIBANK, N.A.
State: TX
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 balance transfer

Complaint:
Citi bank has deceptive trade practices with luring in individuals in regards to doing a balance transfer at 0 % APR for a year, unless you use your card at all then it essentially nullifies this and you have to pay the entire balance or they will not apply the payment to the right balances due per segment of charges. For example, I signed up via their app to transfer $ XXXX at 0 % APR and paid XXXX transfer fee. Well I had purchases on the card like anyone would with XXXX that month. Since I had auto pays after the transfer processed they took my {$1300.00} payment and applied it to everything but that balance of the XXXX charging 23.99 % interest and you literally now can not pay it off unless you pay everything including that transfer off. Their disclosure is deceptive as well that they sent. It does not specify your balance transfer that you're making would have to be paid in full which literally cancels out your purpose and nobody would do it if that was clearly written and not a bait and switch tactic/deceptive practice. It removes your right to use your card as agreed upon after a balance transfer until it processes which is in their complete control which to me is a fraudulent practice. So now, I am out of the balance transfer amount, the amount they charge in a fee 5 % and any interest on the those amount from the previous statement that they refuse to appropriately apply the payments to.

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: EQUIFAX, INC.
State: ME
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:
On XX/XX/XXXX I was flagged on XXXX XXXX that I tried opening an XXXX card through XXXX. I had not done this. So I immediately called XXXX and explained the situation. They said it was denied and they would send it to their fraud department. My next error was thinking that maybe someone transposed a couple numbers and I shrugged it off. After all they said they would send it to their fraud Dept. On XX/XX/XXXX the same thing happened. So I again immediately called XXXX. They told me the same things as the first time. I said why is the first hard inquiry still on my credit. I was told it could take 90 days for it to be removed and they had sent the first request to the credit bureaus. So my next step was contacting XXXX. They told me that it does not take 90 days, that it would only take 5 or 6 days once the request was received, however they had never gotten a request. Now at this point I was steaming. The gentleman at XXXX told me to call back XXXX and ask them to send me a letter requesting it be removed. He gave me a fax where I could send it to have the hard inquiries removed. I called XXXX and demanded they send the letter to me. After some hemming and hawing the woman agreed. Said I would get it within 7 days. What I got was " NOT '' the request to remove it. So I again called XXXX and told them I wanted the letter that they said they would normally send to the credit bureaus sent to me. She did n't want to do this, so I got very abrupt and told her I demanded they do this because it was bringing my credit scores down. She finally agreed and said I would get it within 7 days. It 's now been two and a half weeks and no letter has come. I am so angry because my XXXX  score just went down again because now the second hard inquiry is there. Please someone help me with this. I have put a freeze on all three credit bureaus but I should not have to deal with this nonsense. XXXX is in no way concerned about this and it 's fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
on XXXX/XXXX/17 I was on vacations in XXXX, XXXX I attempted to withdraw in a XXXX ATM ( Non Chase ATM ) {$90.00} DLS around XXXX XXXX. The ATM stated transaction can not be completed and gave my card back, I immediately attempted to withdraw at a XXXX ATM sitting next to the XXXX ATM i was trying. it did not work either so i called Chase to see if my card had any holds because i was traveling abroad. while i called chase i noticed on my cel phone checking the bank app that the 1st transaction was pending for XXXX dls, i told the guy on the phone the ATM did not dispense any cash so chase credited my account immediately, but on XXXX the credit was reversed claiming the owner of the ATM submitted proof the transaction went through, i asked for that proof and chase did not submit a copy to me. this proof is impossible since the ATM did not dispense the cash. This is totally unfair since the ATM did not dispense the cash.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-16
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:
1. Experian failed to respond to my dispute request that I sent certified mail - XXXX XXXX XXXX XXXX. 

2. Experian kept the XX/XX/2019 late for XXXX XXXX and XX/XX/2019 late on my credit report without providing a notarized investigation report. 

3. Experian provided a credit report and disputes document for the XXXX XXXX and XXXX XXXX XXXX instead. 

4. Experian has ignored my request as noted in my correspondence to them -for an notarized investigation report on several occasions. 

5. XXXX XXXX sent a payment history log. The payment log never charged a late fee for the months XX/XX/2019 or XX/XX/2019. I have never been late with this account. 

6. XXXX XXXX did not provide a payment log and I have never been late. 

7. Experian failed to provide XXXX XXXX and XXXX XXXX XXXX notarized investigation report. Therefore it must be that the disputed information on my credit report was inaccurate. Under 15 USC- 1681i ( 5 ) ( A ) ( i ) of the FCRA all unverified accounts must be promptly deleted from my credit 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 explanation
Consumer complaint received 2021-09-21
Company: TCF NATIONAL BANK
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
TCF Bank has placed all my accounts as Dormant. Since I moved to East Coast, I have not been able to visit any branch as they don't have any branches anywhere on the East Coast. They arbitrarily started charging " month maintenance '' and " dormant account '' fees in the past, and I placed a complaint ( # XXXX ) for my dormant checking account. Fortunately, TCF Bank decided to reverse these fees after my previous complaint. Now TCF Bank started to arbitrarily charge similar fees to my other two dormant savings accounts. 

I called again TCF Bank today ( around XXXX XXXX EST on XX/XX/2021 ) hoping they will resolve this issue, but the person who was helping me was not providing accurate information, stating that " no fees were being applied to any of my accounts ''. When I further inquired on the balance, the person ackowledged there were fees, but sated did not have the ability to remove any fees or explain why they started charging these fees. After asking to escalate and talke with a supervisor, they stated that the only way to remove any fees would be by visiting a branch in person, which would be expensive and time consuming for me as I moved to a different state. No electronic access is possible because the accounts are " dormant ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: National Commercial Services, Inc
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Went to rent a car from XXXX XXXX XXXX in XXXX. Was informed that XXXX and XXXX are the same company and I was on XXXX do not rent list. I was told to contact the do not rent department of XXXX ; I did. They referred me to a collection company in California XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I called an spoke to XXXX at the company. I asked for a copy of the bill, signed contract and orginally inovice. I was told those were not available. I stated that on XX/XX/XXXX that the CSR could see the contract on her computer screen. He stated that the contract # XXXX had been recycled and not available.
However, 2 hours AFTER speaking with both XXXX  XXXX Department AND NCS, I was emailed an invoice with a XXXX  balance.
The rental was from XX/XX/XXXX to XX/XX/XXXX. The insurance company paid {$630.00}. Apparently there was a balance of {$85.00} ; i did NOT know there was a balance nor had I EVER received anything about this.
I sent this to XXXX XXXX department who stated that I have to contact NCS. But when I contact NCS, I am told to speak with XXXX  and he stated that I owed nothing, XXXX is a private company and they can decide who they rent to, that I needed to find another rental car company and he went on to state he would make sure that XXXX was not ever going to rent to me again AND then hung up.
It seems that XXXX with NCS is on some sort of power trip as he refuses to provide ANY information about the supposed debt and the information XXXX  has provided shows a XXXX balance.
It is clear that it was an overcharged by XXXX and since XXXX only makes his money on what he collects he is not going to release the account in order to punish me as by his ( XXXX w/ NCS ) own admission know this is not a valid charge.
Thi account needs to be settle as paid as by XXXX own admission there is a XXXX balance.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The credit bureau is refusing to delete three collection accounts on my report that are not mine. They are all reporting under the same collection company called " XXXX XXXX XXXX '' for different amounts. The first account is for {$1100.00} with account number # XXXX and an open date of XX/XX/XXXX. The second account is for {$1400.00} with account number # XXXX and an open date of XX/XX/XXXX. The third account is for {$2500.00} with account number # XXXX and an open date of XX/XX/XXXX. I have spoken to representatives at this XXXX XXXX company and the records that they have do not match my personal information. I was directed to dispute these errors with the credit bureau to have them deleted from my credit but the credit bureau is coming back telling me that I need to contact them back. I am being given the runaround when the issue is really with the credit bureau who does not want to fix their mistake.

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 2020-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS LISTED DOES NOT BELONG TO ME AND I AM REQUESTING IMMEDIATE REMOVAL OF THE ACCOUNTS FROM ALL THREE REPORTING CREDIT BUREAUS. THESE NEGATIVE UNAUTHORIZED ACCOUNTS HAVE TARNISHED MY NAME AND SSN AND I AM PLEADING FOR A REINVESTIGATION INTO EACH MATTER.

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 2019-06-12
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Several dates in the month of beginning of XX/XX/XXXX. I called and try to investigate but the keep giving me a run around saying they will no longer investigate. Its hard to get credit cards and a vehicle if a lot of inquiries that you have no idea where it came from.

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 2022-02-16
Company: Experian Information Solutions Inc.
State: NV
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violaon not reporng 100 accurate XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX Account Number : XXXX  This Account is inaccurate and seeking litigation please delete it once 3. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violaon not reporng 100 accurate XXXX XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account XXXX : XXXX This Account is inaccurate and seeking litigation please delete it once 6. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX  XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once

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 2017-07-11
Company: KEYCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
As my current Debit card end date is expiring (   XX/XX/XXXX  ) , I have requested for a new card by calling KEY BANK Customer care, called couple of times to check status on that, they have mentioned card is on it way, but i i never received it, after few weeks i got call from KEY BANK on  XXXX   XXXX , stating that there is some high amount of transaction is happening on my card. I have clearly mentioned then, i did n't received any card and i have no information on that and informed them to block it and block all transactions, but i found out that total {$9900.00}, transactions happened on my card on  XXXX   XXXX  and  XXXX   XXXX , with out my knowledge and i have received single call about this. I was very much surprised and filed a case on KEY Bank Fraud department and provided all the required information and filed a police case as well at   XXXX   Police station. i have been trying to reach out to  Fraud  department agent since two weeks, he is not returning my call, to day i was able to hold of him by other agent and he rudely mentioned it as case is denied, so no refund will be made on my account.I have been with KEY bank more than  10  yrs and i am a key privilege account Holder and i have  CD  as well with bank, never ever have this type of reception from any one. He didnt gave me any valid reason for denying the case, police investigation is still in the process and he concluded the case and said it is denied and i do n't need to call him back on this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-30
Company: Experian Information Solutions Inc.
State: CO
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:
I sent 4 letters regarding my credit report to each bureau and to the collector themselves. XX/XX/2021 was the last one I sent. I haven't checked my credit in awhile prior and noticed a collections accounts ( XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX ) show up on my report. I've called them several times to dispute the wrong information being reported and I either get disconnected or the run around to figure out how this account is on my report. Every time I call in to explain that I've sent in my letters multiple times, the reply is they haven't gotten it. its been about 3 1/2 months since at least ONE response even after calling. I have no clue what else to do and I feel like there won't be a resolution because they keep saying they haven't received anything. This account needs to be removed because I am not liable for this debt nor do I owe anything on these accounts I've never had a contract with. The false information on my report is unfair. Please help me figure this out, I'm out of options and frustrated that its been almost 4 months now. These letters feel useless at this point and I've been spending extra money to have my letters overnight to each credit bureau and the collections agencies themselves. I understand that bureaus and collections agencies can make mistakes but it is very frustrating. I went as far as taking pictures of receipts and letters because they keep saying they haven't received anything. Please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation