BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-06
Company: IQOR US INC
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX, XXXX I received an alert from my credit monitoring service stating that a new debt was added to my credit report. I logged into my credit monitoring account and it was brought to my attention that Allied Interstate, LLC ( a collection agency ) added an account from XXXX XXXX onto my credit report on all 3 credit bureaus for an owed amount of {$700.00}. According to my credit monitoring service, it states that this account was opened on XXXX XXXX, XXXX. I do not owe this debt because I have never opened an account with XXXX XXXX whatsoever. On XXXX XXXX, XXXX I opened an online dispute via XXXX XXXX XXXX XXXX websites. I was informed that it could take 30 to 45 days to get a response. On XXXX XXXX, XXXX I received numerous calls from an unknown number ( XXXX ), when I called the number back it was Allied Interstate LLC. On XXXX XXXX, XXXX, the very next day, I received an email from XXXX stating the Allied Interstate account came back verified. I am at lost with words as to how Allied Interstate can verify this account by solely calling someone constantly. I immediately called XXXX and did another dispute over the phone because this account does not belong to me. On XXXX XXXX, XXXX received the results via email from XXXX stating the same, that the account was verified. The online dispute is still in pending for XXXX until XXXX XXXX, XXXX. After receiving the results for my online disputes for XXXX and XXXX I called them and asked what method of verification did Allied Interstate provide to prove their case and they could not provide me with that information. I do not know what else to do now but file this complaint because I do not nor ever had an account with Allied Interstate or XXXX XXXX. I have even reached out to XXXX XXXX and I asked them to search my name in their database for any account and I was told verbally that I have never opened an account with them. I then requested a written letter, but I was told no one in that department or any department does not have permission or the means to do so as hard proof that I have never had an account with them.

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 2019-02-05
Company: Experian Information Solutions Inc.
State: FL
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 asked for the credit bureaus to reinvestigate the reporting of this account. I sent letters to them on the dates : XX/XX/2018, XX/XX/2018 and XX/XX/2018 but the account was not investigated properly. 

XXXX is not providing complete information and the monthly payment and limit. There are also multiple XXXX late payment in the payment history which are wrong. 

Experian failed to include the monthly payment and limit. The payment history shows multiple CO marks which are inaccurate. Why do they report this as collection/charge off when XXXX reports this as Late XXXX? Clearly, this shows inaccuracies. 

XXXX also missed reporting the monthly payment, credit limit and payment 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 2019-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 asked for the credit bureaus to reinvestigate the reporting of this account. I sent letters to them on the dates : XX/XX/2018, XX/XX/2018 and XX/XX/2018 but the account was not investigated properly. 

XXXX is not providing complete information and the monthly payment and limit. There are also multiple 120-day late payment in the payment history which are wrong. 

XXXX failed to include the monthly payment and limit. The payment history shows multiple CO marks which are inaccurate. Why do they report this as collection/charge off when XXXX reports this as Late 120-day? Clearly, this shows inaccuracies. 

TransUnion also missed reporting the monthly payment, credit limit and payment 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 2019-08-24
Company: EQUIFAX, INC.
State: NC
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:
Equifax will not remove a business account from my personal credit report, even after they investigated. They also refuse to remove false inquiry information that i have disputed as fraudulent on multiple occasions ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XXXX/XXXX/XXXX I have opened a personal checking account online pursuant to the advertising from santander bank promising {$350.00} bonus after direct deposits totaling {$2000.00} or more post to an eligible account within the first 90 days of account opening. 

On XXXX/XXXX/XXXX I have mailed out a signature card as per terms and conditions of the account. 
Santander claimed they never received the signature card. 

When I went to the branch with my signature card I was told they could n't accept the signature card and that I should remail it. The representative apologized for lost mail and advised that they were swamped up with the mail as they did not expect such response from the advertising. 

I have re-submited account information online and resent the signature card on XXXX/XXXX/XXXX. 

On XXXX/XXXX/XXXX my employer processed direct deposit of {$2000.00} to my checking account. 

I have met all the new account bonus requirements, however Santander did not post the {$350.00} bonus. Various representatives gave different inconsistent reasons each 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 explanation
Consumer complaint received 2019-02-05
Company: CITIBANK, N.A.
State: CT
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:
Citi Bank Credit Cards accepted and cashed a check from XXXX XXXX for {$7700.00} on XX/XX/XXXX and still has not applied the payment to my account. This has forced me to make additional payments on the account and incur interest charges and they refuse to quickly fix this issue and have blatantly lied that they see the payment in a processed stated on my account. They said that they would open up an internal investigation but again nothing was heard from them on this issue, the second payment cycle is coming up and the still refuse to do anything about this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

I see Last Reported date as well as Date Last Active is different from the three bureaus. It shows chargeoff and yet XXXX see balance and a past due in their reporting. This is a clear indication that the report is inaccurate. I demand this account be deleted 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 2022-08-07
Company: CITIBANK, N.A.
State: CO
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:
the card is showing as 30 days past due on credit reports for XXXX however i made two payments in XXXX XXXX on the XXXX for the XXXX payment and one on the XXXX for the XXXX payment. there should NOT be a late payment for XXXX as it was paid on XX/XX/28. i called and reported this to citi to which they replied " you are not showing late you are current. the credit reporting companies are reporting false information on tons of peoples credit reports. call them and deal with them. '' called XXXX to confirm if there was a late payment for XXXX being reported and they told me there was a late payment reported for citibank for XXXX XXXX i opened a dispute with XXXX to resolve and citi bank said they will provide documentation showing there is no late payment for XXXX so we'll see if that documentation is actually provided or not and the late reported payment for XXXX is removed as it should be since its completely incorrect.

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 2021-03-04
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account status incorrect

Complaint:
XXXX  is allowing Portfolio Recovery Associates to attempt to double dip on their debt recovery. 

I paid them off. Last week. It said 10 days to notify the agency. 

I checked today it was updated, but theres still a balance. When I called PRA, they said they have up to 30 days and they dont submit the information for removal from report until the last day. 

So they wont tell the company I paid, for at least 30 days. Then, they wont give me any contact information for the department that handles it. No one is a supervisor with that information. And they defer to policies, that if they are as they state them to be, completely illegal and superimpose conditions that make the initial contract worthless. 

I paid XXXX to have it off my credit by XXXX. Not for them to send information on XX/XX/XXXX, according to their agent that hung up in my face, and then wait another 30 days for removal. 

I know it can be done faster because Ive had it done faster as a consumer and I used to work for a debt collection company. 

Policies can not fly in the face of agreement and set law. 

Remove this from my account now, or lose payment altogether.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 contacted TransUnion in XXXX as there were inquiries or my report that I did not authorize when I was buying a car. Earlier in XX/XX/XXXX 2018 I called with a few from a previous purchase and they were removed with no issues. In XX/XX/XXXX2018 when I was purchasing a car I told the dealership not to run my credit in any other bank other than the one my husband was already approved for and that I would only be a co-signer for to get him a better rate. They didnt listen and that why I ended up contacting TransUnion. I was criticized by their employees when I called on XX/XX/XXXX that it doesnt affect my credit score. I explained to them that Im not worried about it affecting my credit score and that I didnt want it in my report as I never asked for credit from those places and that it remained on my report for 2 years. I asked them why these items were not removed when I filed the disputed in XXXX but was told that I had to write letters to those companies that I never had dealings with and provide personal information such as name adresss date of birth and social security number and hope that I dont become a victim of identity fraud. They had 30 days from the day I filed in XXXX to verify or delete these inquiries. They didnt do neither and they are still on my report. XX/XX/XXXX inquiries on my report are still not supposed to be on there. I want this resolved ASAP.

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 2018-06-05
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been paying on this loan with NelNet for 13 years. The original loan was for {$16000.00}. I have paid {$13000.00} yet the current balance is {$13000.00}. Recently I began to pay the interest amt shown plus an added {$100.00} hoping to see the balance go down only to find that it went UP instead!

Since interest accrues daily, the moment I make a payment, it's applied in such a way that the principal rarely changes, then interest eats up whatever I paid.

I'm sure I'm just wasting my time in submitting this complaint but I'm XXXX  years old & my income is only SS. It's wrong that despite paying all these years, the loan balance has barely changed. That means I'll NEVER be able to pay it off. I can't get another loan to pay it off & from what I understand if I can't make payments, my SS will be garnished, meaning I can't pay my rent & utilities, etc.

Knowing that everyone who's a victim of this lender is in the same boat doesn't make me feel any better. Frankly, the Dept. of Education has done a great injustice to all of us XXXX  enough to take out a student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: EQUIFAX, INC.
State: WI
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 contacted XXXX in XXXX as there were inquiries or my report that I did not authorize when I was buying a car. Earlier in XX/XX/2018 I called with a few from a previous purchase and they were removed with no issues. In XX/XX/2018 when I was purchasing a car I told the dealership not to run my credit in any other bank other than the one my husband was already approved for and that I would only be a co-signer for to get him a better rate. They didnt listen and that why I ended up contacting XXXX. I was criticized by their employees when I called on XX/XX/XXXX that it doesnt affect my credit score. I explained to them that Im not worried about it affecting my credit score and that I didnt want it in my report as I never asked for credit from those places and that it remained on my report for 2 years. I asked them why these items were not removed when I filed the disputed in XXXX but was told that I had to write letters to those companies that I never had dealings with and provide personal information such as name adresss date of birth and social security number and hope that I dont become a victim of identity fraud. They had 30 days from the day I filed in XXXX to verify or delete these inquiries. They didnt do neither and they are still on my report. XX/XX/XXXX inquiries on my report are still not supposed to be on there. I want this resolved ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Paid off entire balance of a XXXX XXXX Chase credit card in XX/XX/XXXX. This account had been cancelled and closed for over 180 days ( 6 months ) when in XX/XX/XXXX a  charge ( s ) for {$100.00} x 2 ( {$210.00} ) had been accepted by the Chase bank from a XXXX XXXX property. 
In XX/XX/XXXX I admittedly made a reservation by phone at XXXX but DID NOT use this non-existent card. When I failed to show up for the reservation the Hotel clearly looked up my rewards account and used the card on file to pay for the two rooms. 
Chase Bank should have immediately rejected this charge as the account had been closed and paid for over 6 months. 
I only found out about this unauthorized charge as I was notified of my credit score dropping nearly 80pts as a result of an unpaid credit card payment. 
XXXX has repeatedly stated it was my responsibility to have this card removed from any merchants files and they were not responsible for allowing the charge to go through even though it was full 6 months later after I had fully paid and cancelled the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
UNAUTHORIZED INQUIRIES FCRA FTC VIOLATION 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX 5. 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 2019-02-05
Company: Experian Information Solutions 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:
I have disputed the late payments accounts for months. Experian refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP. 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 explanation
Consumer complaint received 2019-02-05
Company: Firstsource Business Process Services, LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Company has pulled personal data and has contacted me at my place of business. I was told that it was left as a " contact number '' which is an untrue statement, I hadn't been working here when this account was active. My company has now started questioning my financial responsibility to handle receiving payments on customers accounts.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I opened new credit card account with American Express on/about XX/XX/19 after seeing they were offering an introductory rate of 0 % for balance transfers made within the first 60 days of account opening. Via a telephone conversation the AMEX representative indicated the approved credit limit would be {$1000.00}. I informed the representative that I was displeased with the low amount and required a higher limit in order to do the balance transfer I had in mind. The representative informed me that this {$1000.00} limit was simply the introductory limit approved for all new accounts and that I could request a credit limit increase as soon as I receive my card in the mail. Today ( XX/XX/19 ) I have submitted several requests and spoken to a number of individuals within the Customer Service and New Accounts departments at AMEX. All representatives are indicating AMEX has a policy of not approving credit limit increases within the first 60 days of a new account. Thus, negating the 0 % balance transfer offer and my entire purpose of opening an account with American Express. I feel they were deceptive with their policies and specifically with this promotional offer in order to gain me as a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: Experian Information Solutions 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:
On XX/XX/XXXX I submitted a letter asking for verification of compliance to accurate reporting of information on my credit report. There are items being reported inaccurate and I wanted verification of the process and reporting. I asked that the following inquiries be verified : XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX be check for compliance with reporting. I did not authorize either of these inquiries and they did not have permissible reason to access my file. I received the results stating the " inquires are a factual record " and that was the results of the investigation. Not providing what I asked for in my letter. 
I also asked for compliance proof for the following items being reported inaccurately on my credit report : XXXX # XXXX reporting 2 ( 30 days late ) also no closed date. XXXX XXXX XXXX # XXXX reporting a charge off XX/XX/XXXX after reporting included in bankruptcy the previous results from investigations. BANKRUPTCY CHAPTER XXXX # XXXX XXXX XXXX XXXX XXXX. I forwarded a copy of a screenshot of an eoscar for the account with no results. Also they state the information was received from XXXX XXXX which verified no record and the access to my record has been a freeze since XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief