BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-07
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:
Experian is incorrectly reporting an item on my credit report for XXXX on XXXX XXXX, account number XXXX. This reporting is a violation of the Fair Credit Reporting Act. This account is over 7 years old. Please remove this item from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 status incorrect

Complaint:
The co-owner of an auto loan with XXXX XXXX XXXX XXXX XXXX filed Chapter XXXX   bankruptcy which was granted XX/XX/XXXX. I, the party that did NOT file bankruptcy, continued making payments for several years with no default whatsoever before, during, or after the bankruptcy of the other party. No negative information transpired to my credit report throughout the life of the loan until I paid off the vehicle. I made my regular payment in XX/XX/XXXX, and on XX/XX/XXXX called and paid off the remaining balance. I then get a notification that my FICO score dropped from XXXX to XXXX   which is how I found out that XXXX incorrectly charged the account off and report as XX/XX/XXXX being a serious delinquent payment. I have tried numerous times calling and they have advised that the account is protected under bankruptcy law and this is the way it is. They have dragged me down as if I was the one that filed bankruptcy and as if they never received payment for any of the months. They never sent me any statements or mail regarding the account. I could not see my transaction history online and had to call and request it. With that being said, they sent me one transaction history which was then revised after the dispute and I was sent a second "CORRECTED" transaction history of the loan.

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 2018-02-28
Company: EQUIFAX, INC.
State: WA
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:
XXXX, XXXX and Equifax are allowing lenders to access my credit file and then ruin my credit report by allowing lenders to do 17 hard inquiries on my report without my concent. XXXX XXXX at XXXX XXXX XXXX XXXX has used this information incorrectly and as a result lowering my credit score. I only gave permission to allow one hard inquiry on my report, instead they spent 3 days applying for credit in my name without my permission. I also gave XXXX permission to only run my credit score once. So, what these lenders are doing, is reporting false information to the reports so we are stuck paying them instead of moving up in the world and getting decent credit. So, they are all in direct violation of Anti-Trust Federal Law and Ive been collecting evidence on this activity for sometime now that will hold up in a court of law. I'm never financing anything ever again. You can keep your corrupt low credit scores and reports. Completely worthless waste of space. It is interesting though, how you have XXXX XXXX in revenue and are living large. Where is all your money coming from? It isn't coming from me anymore. Keep your scores and reports. YOU ARE WORTHLESS TO ME> I AM NEVER PAYING INTO YOUR SYSTEM EVER AGAIN>

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
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:
XXXX XXXX XXXX Account Ive called numerous times to this company for them to validate this debt, and they still dont. This account isnt mine. Im asking them to prove this account belongs to me or remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: CAVALRY INVESTMENTS, LLC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This company has filed a civil suit during a global pandemic. I was unaware of any legal actions until receiving a letter in the mail from a family member. the papers were electronically filed. According to the letter a judgement was ruled against me, without notice. My family members have been contacted and threatened that actions may be taken on them to leverage a response from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
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: Was not notified of investigation status or results

Complaint:
I received a recent copy of my credit report in XX/XX/2019. Upon looking at the accounts, I've noticed some accounts reporting inaccurately and incorrectly. I disputed the accounts in hopes each of the bureaus, XXXX, XXXX, and Experian, do an investigation on the companies and verify the accounts. Since then, I have mailed letters to each of the bureaus and haven't received any responses or results back. I am very upset on how the bureaus conduct themselves and report inaccurate information that disrupt the overall well being of my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Co, XXXX Chase Executive Offices Mail CodeXXXX XXXX XXXX XXXX XXXX, Ohio XXXX RE : Account Numbers XXXX ; XXXX Dear Sir or Madam : I am writing to dispute fraudulent charges on my account in the amount of {$13000.00} {$12000.00}. I am a victim of identity theft, and I did not make or authorize these charges. I am requesting that the charges be removed, that any finance and 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 ). 
Enclosed are copies of my Identity Theft Report, my Colorado drivers license, and flight itinerary, showing that I was not in town or at my house to receive or sign for any packages, supporting my position. Please investigate this matter and correct the billing error as soon as possible. 
In the letter you sent me for denying these fraudulent claims you state I received benefit from these transaction this is in correct. I did not receive benefits from these transactions because I did not receive any merchandise or any type of benefit. 
I have also talked to XXXX EXT. XXXX and XXXX EXT. XXXX and told them I did not make these purchase. They confirmed that the dates, that packages were delivered I was not at my house, I was in another State. They do not want to listen to anything I have to say. They told me that I have to write a letter to Chase Executive office. 
Also please send me all the information you have received for the retailers. Once I receive this information, hope fully including what was purchased and the tracking information. I will review this information. I am sure if you review the tracing information, my signature will not be the signature that signed for these packages. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: EQUIFAX, INC.
State: LA
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 XXXX account which i didn't authorized on my account with equifax, most of the company which appears on my credit report more than once that i didn't recognize or apply for credit with theses companies. I tried to contact the company and file a disputed with equifax never receive any responds nor answer. Also with XXXX  i have 20 dep/XXXX  which have been discharge with a XXXX  balance plus 7 other account which wasn't authorize without my consent i file a dispute to remove those items but have been unsuccessfully or no results. i need these account to be investigate fully so i can see a change on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: EQUIFAX, 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:
Equifax and XXXX are reporting incorrectly a Foreclosure on the XXXX   account number XXXX. ( Please see page attached from my credit report. ) This account was not in a foreclosure and should not be reporting as such. I have attached a copy of the Payoff Statement from XXXX XXXX dated XXXX along with the Settlement Agreement dated XXXX. I was told by XXXX XXXX that the language reporting on my credit report was in error and that they have requested this language to be removed. The account status needs to report accurately that this account has in fact been paid in full. This incorrect coding and reporting of a Foreclosure is seriously harming my credit score and this line item needs to be removed and/or changed to report a {$0.00} balance and paid in full. I have contacted the ( 2 ) bureaus to change this language however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I went to my fifth third bank located at XXXX XXXX XXXX XXXX, XXXX, MI XXXX XX/XX/2018 to cash a cashiers check, see attachment. When I stepped up to the teller I handed her ( XXXX ) the check and told her " This is a check for a business transaction from out of state and I don't know this person. Should I put a two week hold on this check to make sure it clears? '' She looked at the check and then said " NO this is a cashiers check drawn upon this bank ( XXXX XXXX XXXX ) ( see attachment ) and the member would have had to have a sufficient amount of funds in their account to be able to draw this check. '' Her response lead me to believe that everything was alright. She then cashed the check for me. I left and went about my business. The following week I received a notification ( see attachment ) that {$4500.00} was taken out of my money market account to cover a fraudulent check plus {$15.00} fee. I was very distraught to see this especially since I specifically asked the tellers advice. I went to the bank within the next several days to talk to the manager ( XXXX ), I told him what occurred and he said " We don't put holds on checks, we could cash it or deposit it into your account and the funds would be available in 1 to 2 business days. We can not be responsible for fraudulent checks or checks with insufficient funds. '' I told him that I understood that but in lieu of the conversation that I had with the bank representative I was lead to believe that everything was fine and that I proceeded accordingly after all I am not an expert at banking policy or proceedure. XXXX said " if that was your conversation with the teller then it could have been handled better '' Yah Think??? There was admission right there. Had the teller told me what XXXX told me I would have had the opportunity to make an informed decision having had the proper information disclosed to me. I am in health care and If something happens to a patient after they made a decision base upon incomplete information that I gave them I would be sued for negligence and mal practice. I can only believe that a bank has the same fiduciary responsibility to the community and it's members. If not how can I ever feel safe acting upon anything that a bank tells me again. I would like for the bank to take responsibility for their mistake and reimburse my money in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I mailed credit Didpute to Experian vis certified mail on XXXX and received notification that my disputes were received by Experian on XXXX, yet Experian never opened disputes or properly investigated the unverified and inaccurate items in question. Experian must delete inaccurate info if they are not able to validate. This has been ongoing problem since last year. Experian is refusing to remove incorrect reporting or proving that information has been properly investigated and validated per 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 2017-09-19
Company: SYNCHRONY FINANCIAL
State: NY
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 've contacted the companies who have pulled my Credit fraudulently without my consent or authorization in an attempt to get credit and use it without my permission. The companies state someone provided my Information to contact the credit bureaus. I have gone ahead and added a fraud alert to protect my information since then.

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 2019-08-19
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:
I Have been a Victim Of Identity Theft. My Identity was stolen, I did not Authorize these Fraudulent Accounts

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 2020-11-22
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have a negative account on my account from XXXX XXXX XXXX. This account has not been validated. I would like this account deleted immediately. Its against the a FCRA to added false information on my credit report. I Would like this item removed. There will be attachments that was sent to me from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Ive been trying to work with the company that handles my XXXX Credit Card. 

XXXX XXXX. 

Ive spoken to them multiple times and tried to work the problems out with them but theyve not only threatened to sue me in the past, but theyve also started manipulating my statements and lying to me. 

Theyve also started calling me multiple times a day again, even when Ive mentioned to them multiple times that I work XXXX to XXXX most days. 

They called me 5 times yesterday, and another 3 times already today within one hour. 

I recently agreed to three automatic withdraws from them to bring my account current and my last automatic payment was on XX/XX/XXXX. Theyve charged me a late fee on my last statement which is not fair, as they were the ones that authorized when the payment went through. 

Theyre also telling me I have a missed payment, which doesnt reflect on my statement either as it says my next payment is due on XX/XX/XXXX. 

This company has been the absolute worst creditor I have ever worked with. 

They do nothing for their consumers and will abuse every exploit that they can to make it as hard as humanly possible for you to pay your debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
The four major credit bureaus, XXXX, XXXX, XXXX, and Experian are failing to list 2 credit cards that I have active and current on my credit bureau reports. 

The 2 credit cards are issued by XXXX XXXX XXXX. I have contacted the bureaus numerous times in writing to dispute this omission. They have done nothing, and still do not show these 2 credit accounts as open. 

One credit card is in my name. The other one I am an authorized user on the primary card holder 's account. 

I have also contacted XXXX XXXX XXXX  in writing, and they say that it is a problem, but that I have to have the credit bureaus resolve it, from here on out. 

The bureaus failure to list the 2 credit cards on my report is hurting my credit score, as these card accounts have been open a long time and I have never missed a payment on them. 

Please get in touch with all 4 major bureaus and make sure they start listing these 2 credit card accounts as open and current on my credit bureau reports. 

Thank you so much.

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 2018-12-04
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX, the loan servicing my Perkin 's Loan, withdrew funds for two accounts  from my checking account while my account was in deferment. I called to explain that their mistake is causing me to have a financial hardship, which is contrary to the purpose of deferments, and they stated it would take 45-60 days to return funds to my account. I found that to be completely unreasonable. I requested the assistance of a supervisor who then told me he could get it to accounting but it could take up to 3 weeks, even if it is expedited. I was not happy with that, nor do I find their practice to be feasible given the fact the mistake was on their part. I called a week later and they still have not reviewed my account. I feel someone needs to look into why they are not able to reverse payments when they make a mistake with in the standard 3-5 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Thursday XX/XX/2020 my paycheck was directly deposited into my new Chime account. On Friday XX/XX/2020 Chime suspended my account claiming that the direct deposit deposit did not comply with Chime 's policy. They refuse to tell me how it didn't comply. I have sent Chume all of the documents they have requested in order to lift the suspension. I have spoke with their customer services multiple times over the last 7 days and nothing has been resolved. I have no access to my account seeing as they locked my out of the app/ online banking.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Savings Account -- > XX/XX/2016 XX/XX/2016 ( US Bank ) $ XXXX {$11000.00} taken out of my Account XXXX XXXX one getting access my mail. My debit card sherifs had it while I was locked up. {$500.00} was pulled out from XXXX us bank & {$500.00} XXXX XXXX bank each day for ten days straight when I went 80 % to 100 % .. 
XXXX XXXX my ex who put restraining order on me was dating XXXX & XXXX XXXX linked to house XXXX XXXX XXXX Scamming me {$1500.00} a month supposed XXXX ( XXXX, new car, red light rent ) Apparently XXXX wanted child visitation & my parents used her bait for me go jail over or should I say XXXX. 
Meanwhile I'm new directions @ VA like guinea pig not going anywhere but bad background record trying defend my bloodline

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 2020-10-28
Company: CITIBANK, N.A.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
nothing ' constant recorded messages to call company but will not put me through to any authoritative dept or 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