BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-09
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I received a copy of my credit report and I notice I have an account that is too old and another account that needs to be updated. Please remove XXXX XXXX account XXXX ( 15 years ) and update XXXX XXXX balance XXXX ( that account was paid in full, balance is XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: ERC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
These accounts do not pertain to me at all. Please have to remove them from the bureaus agencies. Please see below the list of accounts : 1. ) Identify Theft ERC ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX This is not mine. 

XXXX. ) Identify Theft XXXX XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: Certegy Holdings, LLC
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
My Wife purchased a money from XXXX XXXX, # XXXX at XXXX XXXX XXXX XXXX XXXX on XX/XX/2019. On XX/XX/2019, she had returned to the same XXXX XXXX to cash out the money order. The department manager, XXXX could not cash out the money order because Certegy Check Services would not allow her to do so. My wife has not had an issue with getting money before. We were informed by the Manager at XXXX XXXX that we had to call Certegy and verify her information and everything would be ok. We called Certegy , they absolutely gave us the run around. They tried to give us many excuses as to why they wouldn't cash out the money order. We had explained the money order was purchased with cash, which was met with " We can not cover the cost of the money order ''. This is the same store where my wife had previously was able to get {$2000.00} in cash from 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 2017-11-30
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
I recieved an email saying 'do n't miss your chance to earn XXXX extra Membership Rewards points. ' the subject matter for the email was as follows " Looks like you missed out on the Welcome Bonus for your XXXXXXXX XXXX XXXX XXXX. Well, this exclusive offer is your second chance. 

We 're excited to tell you that you could earn XXXX extra Membership Rewards points after you enroll your Card by XXXX XXXX, XXXX and spend {$2000.00} in purchases by XXXX XXXX, XXXX1 These are points you could use toward : Redeeming for rewards from over XXXX leading brands in travel, gift cards, merchandise, or entertainment2 Transferring points to our selection of frequent traveler programs3 Do n't let this chance to earn XXXX extra points pass you by. Get started today. '' I enrolled in the offer and have met the minimum spend, I was not credited the points after 4 weeks. 

I have spent hours chatting up the the CS agents regarding my cases. I have submitted screenshots of the offer. I have escalated the issue to the supervisor as well but for no avail. I was given the reason that I had not enrolled in the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: Westlake Services, LLC
State: NJ
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:
on the XX/XX/2020 i asked the 3 bureau ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXto remove the negative items that are being reported because they are unaccurate information on my car payments. Ive never been late .The company that financed my car is Westlake financial services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been complaining for a year to Citibank, NA/XXXX  that I am a victim of a fraud at a gas pump. Someone then used whatever ID they stole to obtain a {$500.00} cash advance. Citi wants that from me plus interest and fees of {$270.00}. I have asked over and over for proof they might have as to who did this, signatures, ID used, pictures etc. They just ignore my requests that they investigate the matter and have placed the account with a collection agency called XXXX. I made the same requests of them to investigate on XX/XX/XXXX and at this point have heard nothing. My credit is perfect, or was, but I will not pay a debt I did not incur.

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 2020-01-16
Company: MECHANICS BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This is in regards to my account with Mechanics Bank : Within the calendar year of XX/XX/XXXX, I was charged a total of {$4400.00} in NSF fees, and have already incurred {$260.00} so far in XXXX  of XXXX  ( and today is only XX/XX/XXXX ... ) Last year, I think my taxable gross income was only around {$50000.00}, so I have been drowning beneath these fees, and I can't seem to climb out of this cycle. I have had to continuously resort to high-interest payroll loans in order to try to keep my head above water, which obviously only results in more money lost. Every time I try to keep a safe cushion of money in my account, I end up falling behind and incurring more fees because I never seem to be able to catch up. I am always somewhere between 2 and 10 steps behind. It all started when I had a brief lapse ( about 2 months ) in full-time work back in late XX/XX/XXXX, and again around XXXX   of XXXX. Every time I try to crawl out of this and keep my bank balance positive, I've already got past due bill collectors biting at my heels. I have tried calling Mechanics Bank to ask them to please cut me a bit of slack, but they immediately tell me 'no can do '. 
Around XX/XX/XXXX, I downloaded the app 'XXXX  ' from XXXX XXXX, and they filed a claim for me, which I believe was supposed to cover six months of activity. XXXX  received no response from Mechanics Bank, and zero fees were refunded to me. I am at my wits end. I'm trying to rebuild my credit and avoid high-interest payday loans, but I am stuck in an endless loop.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-11
Company: Experian Information Solutions Inc.
State: NJ
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:
This creditor has illegally re-aged my accounts and the creditor and CRAs have failed to rectify the problem after multiple requests and a previously filed complaint with the CFPB and NCUA. 

The accounts appear to have been charged off in XX/XX/XXXX, first delinquency reported as of XX/XX/XXXX. However, the credit card account then begins to show as if it was being paid again from XX/XX/XXXX to XX/XX/XXXX and then resets to 30 days delinquent in XX/XX/XXXX then charged off again in XX/XX/XXXX. The one that was finally fixed ( XXXX ) shows that it will be removed as of XX/XX/XXXX, the other ( XXXX ) now reflects that it will be reported until XX/XX/XXXX, meaning the date of first delinquency was reset. 

These accounts have been illegally re-aged and should be immediately removed 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 non-monetary relief
Consumer complaint received 2019-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a debt collection reporting on my credit for a credit card account that is not mines. This account appears to be fraudulent due to the fact that I do not recognize any details involving this matter. The information being reported is frivolous.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I did not receive anything from this company about any debt owed but they are showing on my credit report without any notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: EQUIFAX, INC.
State: MI
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:
Good morning all, I have two credit cards that were opened in my name. These are not my accounts due to someone opened these accounts without my knowledge. I am disputing these charges and the credit card companies are moving forward trying to collect the money owed on the accounts. I have filed a complaint with the Federal Trade Commission. I want these accounts taken off my report as I'm not responsible for the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been trying to work with All the Credit Bureaus for a long time i have followed the law and it states that they have to come back with proof or delete the things on my credit and they are not working well at all with me. I am honestly tired of them doing this to me. They are really abusing the system on not working well with me and not following the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020 I applied for Paycheck Protection Program, and on XX/XX/XXXX the bank closed all business checking account, personal credit card and business credit card Loan application reference number : XXXX. 

I received a letter stating that they would be closing the account on XX/XX/2020 I tried contacting and they have no information, we have applied for government relief options and used the Chase bank as the bank, since I had a good relationship at least I thought that way, my business revenue is high and it generates them a lot of income thru wire transfers fees. 

I need help understanding why applying for government relief would close the account, and now they even said they would be closing XX/XX/XXXX over the phone and locked my online access with my funds on it that Im still receiving thru chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
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:
I entered a hospital four years ago to have a XXXX XXXX removed. I was under a XXXX for an hour or so. 

XXXX XXXX sent me a bill for a procedure I never received. 

They turned it over to a collections agency which submitted it to Experian. No other credit agency would take this false claim as there is no documentation that I agreed to this, that the procedure was even performed. 

I complained to Experian and the extent of their " investigation '' is asking the collections agency if it is valid. 

So, if I said XXXX XXXX owes me {$20000.00} and reported it to Experian, well then XXXX has a black mark on his credit and Experian will ask me if its valid. No documentation, no proof, nada. 

This is a form of slander. 

I want it removed, or remove Experian 's right to operate in this country. They do not seem to understand contractual law. 

Thank you, 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 2021-02-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
After reviewing my XXXX Credit Report, on XX/XX/XXXX I realized then that I had been a victim of the Identity Theft. I did not apply for a Citi Cards CBNA Credit Card Loan. The account had to be fraudulently opened on XX/XX/XXXX. I suspect the perpetrator had forged my signature and used my personal and confidential information. 
I filed the Identity Theft report with the Federal Trade Commission XXXX FTC ) Identity Theft Bureau and reported the identity theft to the XXXX XXXX Sheriff Office XXXX XXXX XXXX. I have swiftly complied when Citi Cards CBNA representatives when asked for information. I have provided my email address, proof of identity, telephone number and home mailing address. I have provided carbonless check stubs that were fraudulently made out to Citi Cards. I have provided samples of the suspected perpetrator signature and location of the same. 
I have sent Citi Cards CBNA Services three letters requesting information pursuant to section 609 ( e ) of the Fair Credit Reporting Act. ( 15 U.S.C. 1681g ), California Financial Code sections 4002 and 22470, Civil Code section 1748.95 and Penal Code 530.8. Also included in the three letters I had provided the following : FTC Cover letter, FTC Identity Theft Report, proof of my identity, FTC Notice to Furnishers of Information, XXXX  Victim release form titled Identity Theft Victims Request for Fraudulent Transaction/Account Information ( Form A ), XXXX XXXX Sheriff Incident Report, and a separate document ( Attachment A ), detailing requested information on the fraudulent account. 
After 30 days, Citi Cards CBNA had only sent statements dating back to XXXX of XXXX but no documents dating back to XX/XX/XXXX or anything with my signature. On XX/XX/XXXX the Citi Bank representative informs me that Citi Bank CBNA can not give me the signed application. Citi Customer Services has ignored my three requests for documents and refuses to make reference to the XXXX  criminal case number in any correspondence they have generated. Citi Bank Services refuses to comply with the request for information that I am lawfully in my right to request.

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 2021-09-02
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hardship Began in XX/XX/XXXX when i was laid off. applied for work but no employment. started a business and asked Pennymac for loan modification and was denied. The home was flooded. The home has flooded several time and in a flood zone. Applied for deed in lieu for mortgage company to take property back since im not being approved for a modification and they keep denying. Stay unemployed through XXXX due to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted this company and ask them for proper verification of two accounts on my credit profile one with a balance of $ {$430.00} and one with a balance of {$1000.00} ; this company never sent me a letter and asked me to verify that this debt belongs to me instead they sent me a letter stating that the original creditors verified to them that the name and address is correct, as per the fair credit reporting act section 609 proper proof is hereby requested in the form of the original agreement bearing my signature and Ive yet to receive it ... none of the two balances in the possession of this company belongs to me its been over 60 days since I contacted these collectors,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Wanted to check my credit score ( on XX/XX/2019 ) and I called my bank which referred me to TransUnion or XXXX. Went to the TransUnion website and did the credit score thing as a trial. Got charged {$19.00} without knowing since it was very unclear and written in fine print. A charge for something should never be in fine print. I tried to call but wait times are extremely long, I went to the website to cancel but could not find any information on it and I am very tech savvy and have never had issues finding such information on any other website. Ever. I had to look it up on XXXX and was provided a link from an answer on a different website from others having the same issue. Tried logging in and it's still loading from before I even started looking how to report this terrible and difficult treatment. 

I do not have this money to spare at the moment and a friend did the same thing with me and is in the same situation.

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 2017-11-30
Company: Danco Financial Services, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have no idea what is going on with this account. It has been on my XXXX report since XXXX of XXXX. It was listed as a repossession and there has not been any change in information regarding this account since it was listed. The amount of the debt has neither increased nor decreased and for the past 12 months it was listed on my credit report as unknown information. It shows there is an amount owed of {$9200.00}. As of this date since XXXX of XXXX I have not received one piece of written correspondence from this company. I attempted to verbally contact them on XXXX and XXXX to have them send me all the paperwork concerning this debt, including all of the account details to validate the ongoing and current status of this debt. I disputed this debt to XXXX on XXXX XXXX and they reported to me as validated. However, I still have not received the information that was validated from XXXX nor Danco Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I over paid my XXXX 's payment due in XX/XX/2022. Therefore, I should not have had a payment for XXXX XXXX.They reported me as delinquent and as missing a payment. I have paid the account off on XXXX XX/XX/2022. In fact instead of being delinquent, XXXX XXXX customer care stated I had a store credit of XXXX. 
XXXX XXXX is reporting me inaccurately and has refused to change the account status. I have filed multiple complaints with XXXX, XXXX and Transunion. I also contacted XXXX regarding the alleged missed payment. 

The account has been paid in Full for XXXX XXXX XXXX XXXX XXXX with XXXX 's owing me money.

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 2019-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I requested an investigation of error on my credit report back in XX/XX/2018. My understanding was that the credit bureaus were supposed to complete their investigations and respond back to me within 30 days, or the contested items would be deleted. As of today, I have not heard back from any of the bureaus, and the disputed accounts are still reporting. I have even sent two follow-up letters ; both of which have apparently been ignored.

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 2020-05-05
Company: DISCOVER BANK
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I recently requested a credit line increase on Discover Card # XXXX and was declined, despite my excellent credit history. Discover sent a form letter ( attached ) that listed the reason for the denial as " status of existing / prior Discover Card account ''. I called the Credit Operations department on the letter and was told that the issue is an prior account that was charged off in 2011 XXXX XXXX ). This card had unauthorized charges in 2011 while I was overseas. I requested an investigation, which Discover refused to do, instead offering me a compromise of a the current card account and telling me that the 2011 matter would be removed from my internal history. Now Discover is telling me that this was not removed, my current account is still flagged for the previous account, and that they refuse to investigate the 2011 matter as being too old and the amount being too small ( {$500.00} ). I have been denied credit due to Discover refusing or neglecting to retain records and fully investigate the 2011 matter, or to remove the negative notation.

Company response to consumer: Closed with explanation