BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-14
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Dear Sir or Madam : American Express hasnt applied the {$650.00} credit which Im requesting in fees due to not receiving statements. Please stop ignoring my requests as every single one has been ignored. I have gotten the odd disputes for this case that are not described as this dispute. The process for this has been very challenging. 

Requested Credit/Refund : {$690.00} Reason : Statement not Received. I am appealing a rejected dispute on my card. AMERICAN EXPRESS conclusion is wrong. I contacted AMERICAN EXPRESS repeatedly, sending the request via mail & online. I was given a bunch of different dispute numbers for this same issue yet my balance never changed. The wording of their responses didnt match my requests. Its been all a mess and a very difficult process. I never receive the {$680.00} in adjustments. All I got were my old missing statements. I hadnt received statements from XXXX-XXXX since I moved. This dispute is for credits towards those months of being over-billed. I am seeking adjustments for multiple fees charged per month, as not receiving statements caused my bill to increase. The minimum payment amount also skyrocketed because of it. Ive reviewed all of the transactions within the time frame when I did not receive statements. Those fees billed still pending credit are listed below. Fees dates & amounts : XXXX/XXXX/XXXX {$37.00}, XXXX/XXXX/XXXX {$86.00}, XXXX/XXXX/XXXX {$86.00}, XXXX/XXXX/XXXX $ XXXX {$38.00}, XXXX/XXXX/XXXX {$87.00}, XXXX/XXXX/XXXX {$29.00}, XXXX/XXXX/XXXX {$38.00}, XXXX/XXXX/XXXX {$91.00}, XXXX/XXXX/XXXX {$31.00}. The following 6 transactions arent listed in the statement but are shown in the inquiry area under the account services tab and in the open a billing dispute choice XXXX screenshot attached ) : XXXX/XXXX/XXXX {$91.00}, XXXX/XXXX/XXXX {$12.00}, XXXX/XXXX/XXXX {$9.00}, XXXX/XXXX/XXXX {$0.00}, XXXX/XXXX/XXXX {$0.00}, XXXX/XXXX/XXXX {$3.00}, XXXX/XXXX/XXXX {$24.00}. Totals : {$680.00}. Its been a difficult process requesting this credit. I only ask for the credits mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: DISCOVER BANK
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:
DISCOVER FINANCIAL SERVICE is reporting a fraudulent account on my credit report., see attachment. I disputed this account multiple times with the credit bureaus and with DISCOVER FINANCIAL SERVICE but the credit card company still reporting this fraudulent account. I asked XXXX to verify this account for me and they havent verify it either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-03
Company: EQUIFAX, INC.
State: NV
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:
I was charged {$34.00} from a company called CREDIT SCORE NOW who I dont know. I called my bank and they said I need to contact the company but I have tried to find them online for a few hours and they dont seem to exist. How do I either find them or cancel the charge?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, 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 appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wells Fargo execive overdraft fees from the bank

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 2023-06-08
Company: EQUIFAX, INC.
State: NY
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: EQUIFAX, INC.
State: NY
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax credit bureau to validate this account ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

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 2023-06-30
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
i was denied my updated credit report.. that i requested because of new information that is incorrect and in error. when i go online i only get garbage same thing when i call the phone number for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX The above company is reporting a collection on my credit in error I do not owe this amount. My insurance company paid this.

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 2019-11-11
Company: Credit Bureau of Carbon County
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This collection account was already disputed and taken off my account over a year ago. I was forced into an ambulance against my will and had sent 2 letters of dispute for this balance to the hospital. I the. disputed this with the previous creditor who owned this debt starting XX/XX/XXXX ( XXXX ) and it was taken off my record for being a wrongful debt. Now this company is claiming this debt and restarting the statue of limitations claiming XXXX, with whom this account was closed already, sold the debt and it is within their rights to restart the statue of limitations. This account has been closed for about a year already and needs to be taken off my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: CITIBANK, N.A.
State: WA
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:
It all started on XX/XX/XXXX when I received a text to my personal cell phone that looked like it was from USPS ( possible url had a lower " t '' in it instead of USPS, it was XXXX ) about a delivery failure and they needed me to click on a link to provide my e-mail address and pay {$0.00}. Which I did on my credit card. This text had a tracking number from USPS that I believe was my original tracking number from two weeks prior when there was a real delivery issue. I was then a victim of smishing. As soon as I provided my credit card number from Citibank and my address, I immediately cancelled my card. They issued me a new card which had not been delivered yet. On Wednesday morning XX/XX/XXXX, I received a text from Citibank fraud saying you need to call us due to a possible fraudulent transaction. I called the number from my text and they told me that there was a transaction in the amount of {$390.00} to a XXXX XXXX in California and that Citibank had blocked it to protect me. I may or may not have confirmed the new card member that's in the mail which is the number that was apparently used for the {$390.00} transaction. I canceled that card too and now there's a third one on the way. My issue is I believe the original Citibank fraud phone number that was texted me for me to call which is XXXX IS A FRAUDULENT and fake Citi fraudulent department #. I then contacted Citibank PH # on the back of my credit card and they confirmed that they do not have a phone number as XXXX and they have no record of that number calling me or me calling it. They do have record of me calling the actual number as well in the last two days. So I am reporting fraudulent activity from someone pretending to be from the USPS, and then providing a fake Citibank fraud number to get my second credit card number. Apparently, this is a known smishing fraudulent activity that USPS is aware of. I have since made drastic measures to protect my info, including using an encrypted password manager. I even called USPS to make a fraud claim and asked about how a person could change my mailing address and they said as of XX/XX/XXXX, it is required for people to come to a post office in person to provide 2 forms of ID before any address change can be made. Not knowing if I called a fake USPS, I went into a local USPS station and it was confirmed by a supervisor, that address changes policy changed in XX/XX/XXXXXXXX  as the person on the phon had told me.

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 2019-11-11
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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2021-10-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted an online dispute with Experian on XX/XX/2021 for the OFFICE OF THE ATTY GENER that starts with XXXX as being late. Experian completed their investigations in less than 20 days. No way was this a thorough investigation process. In my dispute, I have requested contract with my signature to prove that this account is mine or its lateness. I suspected Experian requested public information from XXXX or sage stream. Please direct Experian to delete these account from my credit report as being late. Their lack of investigative process was not accurate. By FRCA law and FTC Law, my report must be accurate, no errors and verifiable. I have attached their online result for your reference.

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 2019-03-21
Company: CITIBANK, N.A.
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 applied with my bank for a credit card. My bank came back to me after they say they reviewed my credit report with XXXX and says that XXXX shows " unresolved disputes '' on three of my previous accounts : XXXX XXXX, XXXX XXXX and CITI/CBNA. So I decided to review my own credit report through my XXXX account, and all of those accounts, as well as all of my other accounts show closed/paid as agreed/never late. 

So, though my bank states that I should dispute what they say are unresolved disputes, when I look at the credit report, it does not state that at all - it shows the opposite - paid as agreed/never late. Since on my side of the XXXX web page it shows the truth, there is no way to dispute what my bank, XXXX XXXX, states they see when they pull 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 2020-09-24
Company: Mr. Cooper Group Inc.
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
MY WIFE OWNED PROPERTY AND MORTGAGE AT NATIONSTAR XXXX, DUR.ING WITH TIME SHE HAD A H.A.M.P. MODIFICATION AND HAD TO PAY FEES TRU XXXX XXXX OR XXXX. THEY WITHDREWW ALL MONIES FOR {$18000.00} WITH OUT MY PERMISSION, THESE FUNDS WERE EXEMPT AND DEMANDING BACK ENTIRE AMT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/XXXX I submitted a complaint with my police report showing I have been a victim of identity theft. There were several items taken off of my credit including inquiries that I did not authorize. In XX/XX/XXXX I received notice that Equifax had experienced a data breach and information was compromised. On XX/XX/XXXX and XX/XX/XXXX I pulled my credit report to qualify for a home loan and a account from XXXX XXXX XXXX and several XXXX XXXX and XXXX inquiries were located on my credit report. I have called all 3 credit bureaus as well as XXXX XXXX, XXXX XXXX, and XXXX to resolve this issue. I have faxed over police report and findings and these credit bureaus have refused to remove these derogatory items. I also noticed that I have a inquiry from XXXX XXXX XXXX XXXX which I also did not authorize. There is specifically a note on my account that advises credit cannot be pulled without my authorization and that has not happened. If you take a look at my record these derogatory items keep appearing on my credit report. I truly feel like my right as a consumer under the FCRA have been compromised. Please look into this matter immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has reported negative information to the credit bureaus of a debt with them. I have reached out to them and asked that they provide me with a contract between myself and them or for them to have it immediately removed from my credit file. I never received the requested information, but received a bill with options to settle the above mentioned debt. The name of the company is Midland Funding LLC. They have reported this negative information to all 3 credit bureaus. This was originally reported XX/XX/2018 in the amount of {$660.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TFC Credit Corporation of California
State: PA
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:
Hello how are you? Im following your guidelines and not putting any personal information in this letter! 
I am writing to let you know approx 41 days ago I sent a notarized letter to the company in question about this issue and have heard nothing back! I have also tried to call and was told I had to write them which I did and submit a complaint! I have also reached out to the company which has went out of business since the pandemic! This information is not only incorrect but is negatively impacting my credit worthiness and opportunities. I need this corrected and taken care of immediately especially since this company is not collapsing protocol and responding within a proper and legal time frame as well as correct this situation for me the consumer knowing its impacting me negatively! 
Im question on my report the account XXXX XXXX XXXX XXXX XXXX Closed 120 Days Past Due ( incorrect ) Status updated XX/XX/2019 Balance {$0.00} Balance updated XX/XX/2019 Paid off 100 % Past due amount {$0.00} Original balance {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX It contains wrongful and false information and says that on the, on this of XXXX ; XXXX ; and XXXX are in red and marked as LATE ON THE report while every other payment is marked paid and in green. My educational institute at the time which is still in business vouches for me as well due to the school rules, you can not be late on any form of payment to the school or to a third-party payment institute or you will be dismissed from class until payment is made. That is still the current educational rules as of this date as well. Not only that, but there have been other reports of this current company I am, speaking of having other issues and a long history of derogatory and negative issues towards their clients This hole amount and loan has been paid off and timely every single payment and I refuse to keep having this affect me when I clearly have no other missed payments my hole entire history on any reports! 

In accordance with the Fair Credit Reporting ACT, This creditor has violated my rights! Under 15 USC 1681 section 602 states I have the rite to privacy! 15USC 1681section604A section 2 It also states a consumer reporting agency can not furnish an account without my written INSTRUCTIONS! Also under 15 USC 1666B A creditor may not treat a payment on a credit account under an open consumer credit PLAN as LATE FOR ANY PURPOSE! Which they did and thats illegal! 

Once again this is wrong and is not ok and I want it taken care of as soon as possible! This is not ok and I have not been able to get any help and have did everything Im supposed to! Pleas3 get this corrected for me as the company in question has not responded in a timely fashion and next is notarized letters from my attorney Thank you

Company response to consumer: Closed with explanation