BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
TransUnion I filed a dispute about the XXXX XXXX XXXX entry. It's reporting that my balance is {$470.00}. It's not true my balance is {$270.00} which is being reporting by another credit reporting agency. I made payment to the original debtor of {$200.00}. Then that debt was sold to XXXX XXXX which is collecting for the {$270.00}. How can I owe a collection agency more money than the debt actually is. 
Transunion said they verified the debt an it's accurate. That is not true. The original debtor is XXXX XXXX. I only owe {$270.00}. 

So both XXXX XXXX and TransUnion are falsely reporting the debt. I have disputed thru XXXX XXXX to no avail.

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 2019-04-26
Company: Experian Information Solutions Inc.
State: VA
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 major threXXXX credit reporting agencies is not abiding by the rules and laws within the FCRA. These three major credit bureaus are constantly reporting unverified and unauthorized accounts inwhich is unconstitutional. I have requested the Method Of Verification used in previous investigations but did not receive any response from either of the 3 credit reporting agencies. My identity has been compromised and accounts has been opened and closed in my name. I have no contracts with any of these corporations inwhich the 3 major reporting agencies are reporting. I'm now demanding that this accounts be blocked from my credit data immediately. And if these accounts are not blocked / removed accordingly then I will file suit as of my rights as a consumer. Please block these fraudulently opened and unauthorized accounts, account # 1 ( XXXX XXXX XXXX ) account # 2 ( XXXX XXXX XXXX {$400.00} ) account # 3 ( XXXX XXXX {$4100.00} ) account # 4 ( XXXX XXXX XXXX {$0.00} ) account # 5 ( XXXX XXXX  XXXX XXXX {$31000.00} ) account 6 ( XXXX XXXX XXXX {$500.00} ) account 7 ( XXXX XXXX  {$870.00} ) account 8 ( XXXX XXXX XXXX {$1200.00} ), account 9 ( XXXX XXXX  {$7300.00} ), account 10 ( XXXX XXXX {$8300.00} ), account 11 ( XXXX XXXX {$8000.00} )

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 2020-06-25
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Southwest credit systems is on my credit report, I would like for this company to provide me with the original contract for this account. I would also like for this company to provide me with any documents that they might have where my signature appears in wet ink. As far as I know I have never had any type of business with this company, if the original contract cant be provided to me, please delete the account from my credit report. The FCRA states that upon request, the original contract must be provided to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX loan has reported past Loan terms of 24 months. Filed complaint with attorney general. XXXX deleted the information as well as 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 2018-03-20
Company: CITIBANK, N.A.
State: NY
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 am writing today in hopes to obtain your help. Currently I am working on reviewing my credit, paying down my balances, and working toward better credit worthiness. You play an important role in this process. I am inquiring about the account number referenced in this complaint. I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX and XXXX ) on XX/XX/2017 and I am writing to get this remark retracted. I believe I had made all my payments on time, the only I could think of, is that my statement didn't get to me in time or to my address.

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 2017-11-28
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am writing in response to a phone call I had with a JCPenney representative regarding my account # XXXX XXXX XXXX XXXX. He was very rude with me and after asking him on three different occasions to let me speak to a superior, he refused and continued to argue his belief of my situation. I called because I realized that for over a year I have been charged late fees totaling over {$600.00} within the past year ( that the representative was able to establish to date ). He could not tell me at what point the fees began because he stated he could only see as far back as the XXXX XXXX statement. The belief is that the practice has been going on much longer. 

At some point in XXXX, I must have missed a payment. My frustration is I totally agree that if I had a late or missed payment, I should be charged a fee for that month, but not every month after that. There has never been any notification from JCP that this was a continued problem or a re-occurring issue for the past year or so. I am not sure if what has happened to my account is even legal. A customer should be liable for any late fees applied and I completely agree with that but if I make a payment for a specific month, then it is my intention to pay for that month including fees, if any. It should not be applied as JCP deems fit against a previous month in order to accrue monthly late fees on a continuous basis for more than a year.

Being a long time customer of JCP, I am very disappointed how my account has been handled and the lack of communication and customer service given to me over the years as well as the representative who was so argumentative with me in response to everything I was explaining to him trying to clarify what went wrong. I even asked if we could verify these payments by the confirmation numbers I wanted to provide for the month ( s ) I had paid and he refused. As a consumer, at the very least, I should have been told when these fees began in order to attempt to determine exactly where the discrepancy began. He was unable to provide me with any information regarding these fees being applied to my account prior to 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 2020-05-04
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$440.00} XXXX XXXX  XXXX {$73.00} XXXX  XXXX XXXX {$180.00} XXXX  XXXX {$24000.00} XXXX  XXXX   XXXX {$530.00}

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 2018-03-20
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I made an agreement with the XXXX XXXX courts to payoff amount of XXXX dollars to XXXX XXXX   XXXX in XXXX Arizona who was representing XXXX XXXX of XXXX XXXX, CA. I agreed to pay XXXX dollars biweekly which I did and paid of and settled the account XX/XX/XXXX.  XXXX still shows a balance originally of XXXX dollars which I paid XX/XX/XXXX whci was my last payment. Then on XX/XX/XXXX XXXX increased the amount owed by XXXX dollars. I called them to ask them to remove the collection off my account and it is still on the report. They promised to remove it by XX/XX/XXXX and it is still there. They have been very difficult to work with and hard to understand. I just want this paid off collection to be taken of my report I am trying to buy a house and I did do my due diligence to pay my debt they should remove it a timely manner.

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 2017-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I am being charge overdraft fee when my account is n't overdraft. On XX/XX/2017 I was charged 2 fee of XXXX dollars before I was charge those two fee I had XXXX since in my account.

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 2021-09-13
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
FCO injunction with XXXX XXXX is charging me after I moved out the home. My lease was over XX/XX/2020. I moved out and was given a XXXX balance. A year later they have FCO has place a collections notice on my credit file stating I owe {$3200.00}. However, after looking at the account information they sent to validate the claim. It shows bills and fees after I left the home. Moreover, the account also, shows bills already paid in full. Please look at my last ledger given to me that shows my move out date and bills paid against their " Move out Statement. '' There is no way Invitation homes would have let me live in a home for two months without paying my bills and I not get evicted!

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 2019-04-26
Company: EQUIFAX, INC.
State: IN
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/2019 I discovered that XXXX XXXX XXXX XXXX checked my Equifax credit report without my permission. This was a hard inquiry on my Equifax report. I did not authorize this. I demand that Equifax and XXXX XXXX XXXX XXXX remove this from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-28
Company: Experian Information Solutions Inc.
State: TN
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:
Account Name : XXXX XXXX Account # : XXXX Balance Owed : {$0.00} Dates of late : XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, and XXXX, XXXX, and XX/XX/XXXX. 


I am not sure how I was late in those months. I remember paying this on time for the month of XXXX to XXXX. There were months when I received my statements late, particularly in XX/XX/XXXX. 


Account Name : XXXX  XXXX XXXX Account # : XXXX Balance Owed : {$28000.00} Dates of late : XXXX, XXXX, XXXX, XX/XX/XXXX I was not late in those months. I have always paid this account on time, I might have gotten my statements late, but I've been making payments on this account. 



Account Name : XXXX Account # : XXXX Balance Owed : {$18000.00} Dates of late : XXXX, XXXX, XXXX, XX/XX/XXXX I was not late from XXXX to XX/XX/XXXX. I have paid this on time, I'm not sure how it appears late in my credit report. It did not match with the records that I have from the creditor.

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 2017-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
One XX/XX/XXXX XXXX XXXX of XXXX XXXX XXXX XXXX charged my card with out any authorization from any part. He did not obtain a signature from anyone authorizing the transaction or any written consent to do so. A dispute was filed for services not provided and fraud in XX/XX/XXXX and now again in XX/XX/XXXX for fraud again. The banks the processed the transactions XXXX XXXX, Capital One, and Capital One 360. Did not due there due diligence in investigating the claim. The never made a followup to allow me to address his false position and defend myself against XXXX XXXX defaming letter ( s ). They never even made any attempt to verify if the charges were indeed authorized which they were not. There is not any correspondence or signature to authorize the claim. In one letter to XXXX XXXX the letter state the charge was " Called In '' and the receipt shows it was swiped. 

These banks failed to protect me as a consumer and this attorney has indeed committed fraud. 

I pray for you assistance in this matter. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Experian Information Solutions Inc.
State: AR
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 bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX {$2600.00} XXXX   XXXX XXXX {$450.00} XXXX XXXX   XXXX {$630.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX {$390.00} XXXX XXXX  XXXX {$760.00} XXXX XXXX {$11000.00}

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 2019-04-26
Company: EQUIFAX, INC.
State: IN
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:
On XX/XX/2019 I discovered that XXXX XXXX checked my Equifax credit report without my permission. This was a hard inquiry on my Equifax report. I did not authorize this. I demand that Equifax and XXXX XXXX & Equifax remove this from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-25
Company: EQUIFAX, INC.
State: MI
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Disputed bankruptcy on XX/XX/2021, XX/XX/2021 and XX/XX/2021. The data furnisher, XXXX, had deleted the alleged bankruptcy from their system. Even after sending the copy of the order from XXXX showing removal of bankruptcy, Experian negligently refused to conduct a proper investigation as per Fair Credit Reporting Act ( FCRA ).

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 2017-11-28
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Dear Sirs, First I do not know whether CFPB is the correct agency in the regard of the matter so I thank you in advance.

Im not an american citizen. Ive been in US for three months in XXXX in XXXX I opened a checking account in XXXX XXXX. I left there some money ( I do not remember how much, maybe XXXX $ XXXX ). Later, it has been acquired by JP Morgan Chase. 
However I received some years ago a communication that this account has been frozen after XXXX regulations and I would be supposed to fill some forms to ask the money back what I never did. 
So, I kindly ask you 1 ) If there is a procedure to get more information about ; 2 ) if there is a procedure to do it ; 3 ) who I should contact to get more information. If you need I can provide you the account number and SS number. 
Best, XXXX XXXX XXXX ( XXXXXXXXXXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2019 Equifax was mailed a certified letter stating that I wanted to exercise my consumer right under the Fair Credit Reporting Act 611 ( a ), enforce by the FTC, a dispute of the accuracy and completeness of the following creditor information that has been reported to you Equifax, and is currently contained in your credit file : being inaccurate, and harmful, impacting my credit score. I also requested that in any notice of results of investigation provided back to me under this dispute, that Equifax provide to me, under the statutory provisions of FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), a full written " description of the procedure used to determine the accuracy and completeness of the information '' that I have provided. Within 30 days or after I have yet to receive investigative results from my request. Due to Equifax lack of providing a description of the procedure used to verify the accuracy I sent another request under FCRA 611 ( a ) ( 7 ) a 15 day response on XX/XX/2019 again Equifax has failed to provide me with a description of the procedure to verify the accuracy of my previous dispute. It is my belief that Equifax is in violation of FCRA ( a ) ( 7 ) and have been willfully non compliant and have surpassed the statute of limitation on their investigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-21
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a change of income and couldn't pay. Once I was I got put on a payment plan in XXXX till I realized that. I wasn't getting credit for my payments. It also was looking on XXXX XXXX like I wasn't making payments but I was to a collection agency. So I stopped pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Citizens bank in XXXX XXXX also known as Citizens Financial Group has issued with platinum and platinum plus checking accounts. Platinum checking accounts require a {$25.00} k relationship balance. When accounts are opened at the branch the accounts are rarely linked properly. Some customers have been assessed fees since 2016. The bank knows this and has done nothing about this. The same issue happened previously with circle gold accounts and the bank had to issue reinbursements. This needs to stop and Citizens needs to be held accountable.

Company response to consumer: Closed with explanation