BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-01
Company: Experian Information Solutions Inc.
State: PA
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:
Since XX/XX/XXXX, a mark on my credit report was reported to the Bureaus by XXXX XXXX that I was 30 days late on payment in XX/XX/XXXX ( this did not appear until the above date ... prior to XX/XX/XXXX it was reported as paid on time ). This is inaccurate. First of all, my payments are set on auto withdrawal. Next, every single customer service representative at XXXX XXXX that has looked at my account ( which is several times ) has acknowledged that I have never been late ( this includes several notes from their credit dept promising to fix the issue according to the customer service representatives that I have spoken to several times. ) Finally, I have documentation from my bank showing the withdrawal of funds as well as the payment history from XXXX XXXX from their website indicating my payment was received on time.

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 2018-10-08
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: Account status incorrect

Complaint:
I have contacted Transunion multiple times to verify information on my credit file. 
Concerning account XXXX # XXXX They have remarks stating this account was included in chapter XXXX wage earner plan. They also list a high credit. It also says the payment status is current and last activity was after wage earner plan. The account was discharged in chapter XXXX which is not chapter XXXX and not on a wage earner plan. It also list a high limit which are all not reported after a bankruptcy.

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 2018-02-02
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Have a lot of Hard Inquires on my credit report. which I don't know about. 
XXXX 5 times on report, XXXX 2 times, XXXX 2times, I don't know if someone is try to get credit on my name.

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 2020-06-06
Company: Experian Information Solutions 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:
IVE BEEN A VICTIM OF IDENTITY THEFT

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 2020-06-06
Company: JPMORGAN CHASE & CO.
State: TN
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:
CHASE CREDIT CARD HOLDS PAYMENTS! Payment to Chase Credit Card in Delaware made from XXXX XXXX  in Utah was sent to them on XX/XX/2020. Payment charge appeared on my XXXX XXXX XX/XX/XXXX. As of today, XX/XX/XXXX, 15 days later at almost XXXX  from when payment was sent, in the amount of {$7100.00}, has still NOT been applied to my Chase Account. Chase appears to be holding payment hostage while continuing to RACK up their ridiculous compound interest. This is beyond bad business practice, and should be against the law! I'd like to report Chase 's blatant negligence to apply {$7100.00} to my account as soon as they received it vs holding my funds in their own account. Is this illegal? If not, it should be! Please advise legal actions & proper steps to take against their absurd business practices. How is this company allowed to be in consumer industry?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: Professional Debt Mediation, 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: Was not notified of investigation status or results

Complaint:
I was unaware that a debt was sent to collections until after the company sent me a letter. They place this on my credit report on XX/XX/2018 after the original creditor sent it to them on XX/XX/2018 which is the same day I moved out. This debt was not even 30 days past due before they place it on my credit report nor was I aware that all of this has token place. I received a letter from the collection agency on XX/XX/2018.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Bank Of America at XXXX XXXX, in XXXX Florida received a wire from my bank on XXXX. The wire was executed based on fraudulent information provided to me from the deposit customer ( XXXX XXXX ) of Bank of America. The minute I figured out I had been scammed by the Bank of America wire recipient, I contact my bank to ask for the wire to be returned. Bank of America took 7 months to respond to my bank request, confirmed the beneficiary was still an active customer, and has since refused to cooperate in sharing information regarding their customer, customer relationship, or the wire or funds available to return the money to me. I informed the bank that one week before their customer opened an account at Bank of America, she had been arrested on credit card fraud charges in XXXX. 


Bank of America took until XXXX of 2016 ( 7 months ) to execute a hold harmless agreement and respond to my bank 's inquiry for account and account holder information. When Bank of America responded, they said the wire fraud perpetrator was still a customer of theirs but refused to return the money. They have since refused all contact with my bank. I have a police case filed in my home county and in XXXX. I have the BofA customer name, address, phone. But I am still out {$15000.00}. 

This wire scam included XXXX VERIFIED victims from XXXX XXXX to XXXX XXXX, 2016 with over {$520000.00} in known wire fraud amounts for these victims. I have names and address for a total of 82 persons who were ACTIVELY being victimized by the same wire fraud group called XXXX XXXX during the scam period. But the FBI and Police both had, and still have, zero interest in the case. Why? 

A XXXX Police booking sheet on the Bank of America customer, and an XXXX form, are attached to this XXXX  complaint.

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 2021-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
Received offer # XXXX on XX/XX/2021 from Capital One to add an authorized user and spend {$1000.00} by XXXX to receive a {$100.00} statement credit. User was added and spent more than {$1000.00} before XXXX. Many agents confirmed this on phone. After speaking to 10+ people over a few hours in a couple of months, I still have not received the offer. I was told originally it would be done by the end of XXXX. It is now XXXX and I have spoken to 6+ people on my call today. I just want the {$100.00} credit I'm due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was admitted to XXXX XXXX earlier this year for shortness of breath. I am on XXXX and XXXX Supplement Insurance so I provided my cards expecting to have everything fully covered. Many tests were run, xray, scans, blood tests etc. I was released later that same day. Weeks later copies of the bills came through with everything seemed to have been paid, but the billing is confusing as every charge is split into components to match arbitrary rules on billing by the government and insurance companies. I also received bills from various departments. It turns out one bill was not consolidated with the others by the hospital and they charged me separately. I spoke to the hospital and they said they would resubmit. Next got a collection notice from XXXX XXXX syste that they plan to send my account to collections. I called and explained that my insurance should have covered it all and they ask me to send a copy of my insurance cards and they would resubmit. I sent photos of the cards XX/XX/XXXX. XX/XX/XXXX notice from XXXX that my credit score dropped 40 points because XXXX XXXX XXXX has reported collections. I called ask why I was not notified by mail or email and they said they did not have to. Demanded I pay first and then they will try again. They claim they can not see the attached photos in my last email. I paid them to get my credit score back. Their web site has a consumer site that is not operative. My complaint is why is the consumer put in a position of defending their position. XXXX XXXX should have done a better job with the paperwork and never have partnered with an unprofessional company as XXXX XXXX XXXX for collections when the hospital was at fault and XXXX follow up was not professional and lack of results was due to their own inadequate equipment. I used iphone photos, and also scan from Brother copier.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-12
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in 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. 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
My ex husband used my personal information to open this credit card account without my permission. Once I found out about the card, I attempted to maintain it and make the minimum payments but struggled doing so. 

XX/XX/2017, I closed the account due to high interest and set the payments on autopay. Somehow, the autopay payments weren't being received resulting in several late payments on my credit. 

Once I was made aware of the derogatory status, I got caught up on the payments and as of the past couple weeks, I've paid the account off in it's entirety. 

Though, I did my best in maintaining this card, the fact remains that it was opened fraudulently without my permission.

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: Experian Information Solutions Inc.
State: OH
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 XX/XX/2019 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 be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten 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 2021-05-23
Company: National Enterprise Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I made contact with National Enterprise Systems. The representative said I owed from an account they had purchased in order to collect. I asked what account and the representative said it was a loan under XXXX XXXX XXXX. which had gone bankrupt. I asked when was this opened and the representative said XXXX. I asked how much and the representative said XXXX. The representative then said National Enterprise Systems owns the debt now and we will settle for a payment of XXXX. I explained to the representative that I had no student loans and no debt dating back to XXXX. I also explained that my ID, social security number and personal information had been used to open fraudulent credit and bank accounts dating back to XXXX. I told the representative I had filed a police report and FTC report stating this account was fraud. I demanded National Enterprise Systems cease with their frivolous attempt to collect under the Fair Debt Collect Practice Act of the state of California as I had referred the matter to my attorney, 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 2018-06-05
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/XXXX I received my consumer report stating that My account was closed and paid for XXXXXXXX XXXX, which that information was correct. I tried to open another account due to the fact I paid them off and nothing else was on my report. I was then transferred to another representative stating that the account was not paid off and they need a receipt of the payment. I told them I no longer have access to the transaction which happened in XX/XX/XXXX-XX/XX/XXXX. The representative then says that she sees I paid it but the money was a returned payment. I advised that that could not be true. The issue is still not resolved and showing negative impact on my consumer history.

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 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 have tried on Multiple Attempts with TransUnion to get 75 unauthorized inquiries off my report. They have refused to work with me each time. They consistently tell me that they can not help me and are unable to delete inquiries

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 2020-08-30
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$780.00}, {$130.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$780.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$130.00} -This is not my account. 


-- PERSONAL ACCOUNT 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
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:
I have written to Experian on four different occasions requesting validation of the two collections that they have on my credit report.They have not provided me with any information that shows validation or verification of the accounts as I am not aware of these two accounts. They have simply came back and stated that they were verified and that they would not re-investigate although I was never provided with any sort of documentation. The accounts are as follows : XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1500.00}

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 2020-06-24
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:
XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on the DEPTEDXXXX   partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

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 2018-08-01
Company: EQUIFAX, INC.
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:
As a consumer on multiple instances I have written several letters to all 3 credit bureaus, exercising my rights as they pertain to the FCRA section 15 U.S.C. 1681g I have simply requested original hard copy documentation, fully and totally verifying that all negative items being reported on my report belongs to me, who verified these items? What methods were used in verifying these items? Also where is the physical proof of a contractual obligation with my signature on it? They have failed to provide those documents as well as allowing the negative items to remain on my credit report after several letters damaging my credit worthiness. The items therefore should have been deleted Under section 611 ( a ) ( 5 ) ( A ) ( i ). XXXX, Equifax as well as XXXX   are all in violation of the FCRA ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I dispute a charge for XXXX because they claim I would receive a paper bill never did XXXX denied this. Then I went to my bank TD bank to dispute the charge they credited me then reverse the credit today XX/XX/XXXX, I summited the proof they needed and told them I couldn't afford this payment.

Company response to consumer: Closed with explanation