BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: UT
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:
I kindly request that you promptly update my account with the correct and accurate information. Your timely action in rectifying this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-03
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This complaint is regarding the debt in collection in the amount of {$94.00} being reported by IC System opened XX/XX/2019, being reported on my XXXX credit report. 

This amount due was when I had an account with XXXX XXXX XXXX, prior to it being taken over by XXXX XXXX. When I had my account with XXXX XXXX XXXX, I resided at XXXX XXXX XXXX XXXX. When I moved from that location, I turned in all of my cable boxes and equipment and asked what any remaining balance I had due, which at that time was {$94.00}. That amount was paid at that time in person. This was also either at or very close to the time XXXX XXXX XXXX was making the transition from XXXX XXXX XXXX to XXXX. 

When I moved to my new address, I did not have services put in my name. However, I did receive one remaining piece of mail at my new address from XXXX XXXX XXXX, stating I owed {$94.00}, at which time I called XXXX XXXX XXXX and was told, I did not owe that amount as that bill generated close to the time I turned in my boxes and paid the {$94.00} in cash and that it was an overlap. I had a {$0.00} balance. 

I received no subsequent mailings or billing statements from XXXX XXXX XXXX. In reviewing my credit report, I discovered the account in collection with IC Systems for the {$94.00} bill from XXXX XXXX XXXX now XXXX. The first time I called IC Systems was on Tuesday, XX/XX/2019, at which time, they confirmed they still had the incorrect address for me on file which is why I never received anything in the mail from them. Otherwise, I would have taken care and disputed this sooner. 

I have also disputed this through XXXX and it is my understanding it has been removed from my credit. I am likewise, requesting it is deleted from any and all other credit reporting bureaus such as XXXX and also XXXX and no additional collection or judgement or public record activity be noted.

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 2023-01-03
Company: EQUIFAX, INC.
State: PA
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 unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX OXXXX 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 2023-01-11
Company: EQUIFAX, INC.
State: LA
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/22 I sent a letter regarding inaccurate on my credit report to this day over 60 days later I have not received a response yet. I feel like I am being ignored and my disputes not being acknowledged.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My brand new XXXX XXXX ended up a total loss XX/XX/2015. All payments were made on time during loan term. XXXX XXXX paid value of the vehicle XX/XX/2015. The final balance was {$2000.00}. 

Gap insurance was not paid in a timely manner & now Nissan has marked all of these payments late on my credit report. After numerous hours over the phone, they refused to mark any of the payments on time. 

I would never even consider walking into another Nissan dealership until this is fixed. The loan has been paid in full and I am left to hurt from this deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
on XX/XX/19 I received an email from Experian stating " Your account has been updated, XXXX You are receiving this notification because this email address on your Experian account has recently been changed. If you did not initiate this change, please contact Experian 's member support at XXXX '' I did NOT authorize or change any of my log in credentials. And emailed them immediately after this occurred. However, the identity thieves changed my recovery email, password, and security questions so now I am locked out of my account. I contacted them by phone but they refuse to change the account back to what it was prior to XX/XX/19, ie I am requesting that the original email be reinstated so that I may log into the account. 

I have sent daily emails to the XXXX and have received no response or resolution. I also contacted them on XX/XX/XXXX, XX/XX/XXXX and XXXX by phone and they say nothing can be done.

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 2019-09-08
Company: STERLING JEWELERS, INC.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Kay Jewelers closed my credit account without notice 01/2017. There were no missed payments on this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: CITIBANK, N.A.
State: ME
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:
On XX/XX/2019 I responded to an on-line advertisement by XXXX who offered a free sample of their product ( just pay shipping charge ). I used my Citi credit card with the ending number XXXX. The following day while doing a bit of research on the product I ran across a customer complaint who had ordered a similar product and ended up being charged later for additional merchandise he did not order. Together with some Bogus sounding claims by the company that it was owned by XXXX XXXX who had discussed the product on the XXXX  XXXX show I was afraid I might be scammed so I called Citi the next day, XX/XX/2019, and reported the XXXX card lost so no future charges could be made on it. I was issued a new card ending in XXXX the next day and told to notify any companies that had recurring charges on the old card of the change since those payment would not be processed. 
When I received my XXXX statement there was a charge of {$89.00} by XXXX posted on XX/XX/2019, over 2 weeks after the XXXX card number that they had was cancelled. On XX/XX/2019 I called Citi and informed a customer service person named XXXX of this fraudulent charge. She said it looked like the merchant had established an account with recurring charges. I told her I didn't have an account with them, much less a recurring one. She said the charge would be waived pending further investigation and any further charges by this vendor would not be processed. On XX/XX/2019, to my complete amazement, Citi notified me that they had finished their investigation and determined that it was a valid charge! I mailed a response to their letter on XXXX advising them that I did not order, nor did I receive, any product after the free sample and furthermore XXXX does not have my XXXX card number so the charge was made on a credit card that had been cancelled over 2 weeks prior to the charge. Citi was played big time on this. They accepted a charge on a cancelled credit card and were deceived into believing the charge was otherwise legitimate. And they are trying to stick me with the bill. Citi should be ashamed of themselves and XXXX should be investigated for fraud. I hope you can help with this situation since Citi 's latest correspondence threatens notification to credit reporting agencies. I am proud to have credit scores in the 800 's for years. I am XXXX years old and this situation is really stressing me out. I would appreciate any help you can provide.

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 2017-09-23
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I was offered a XXXX XXXX " Gold ' Credit Card back in XXXX of XXXX. As a part of the promotion, XXXX was to issue 60 thousand bonus miles after I spent {$1500.00} ( within 3 months of issuance. ) I have met all requirements on the month of XXXX. While I expected bonus miles to be credited to my account at the end of XXXX, XXXX representative whom I have spoken notified me that it usually takes 4 to 6 weeks. So I waited until the end of XXXX and reached back at XXXX as I have not received it. I was told to wait another 4 weeks. After not seeing the bonus miles in my XXXX statement, I reached out to XXXX once again, only to be told that there is a technical issue and I must wait 6 more weeks. On XXXX XXXX, I was " in writing '' informed that bonus miles would hit my account as of XX/XX/XXXX. And once again I have not received them. So I called on XX/XX/XXXX, where I was told by the rep. that she was manually overriding the system and I would have my miles within 24 hours, as well as an additional 2 thousand for my troubles. 
And of course I once again did not receive them so I reached back and I was told to wait for 2 weeks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
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 does not report information on my credit report accurately. Every month one of my accounts is reported and updated on a different day of the month. Currently one of my accounts is showing I have a balance and its actually have a {$0.00} balance. With XXXX reporting inaccurate information caused my payment to drop XXXX points. Which is drastically. XXXX is the only credited reporting agency that have my credit reporting extremely low.

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 2019-01-12
Company: CURO Intermediate Holdings
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
There's 2 issues, Privacy and Interest/fees. 

I took out a loan for {$1500.00} ( possibly went up to {$1800.00} ), and I somehow now owe collections ( on my credit report ) {$2300.00} for Speedycash. They started taking out {$500.00} payments every two weeks, and I'm sure I paid over {$4000.00} in payments to them over the course of months, maybe even more. How can I owe {$4000.00} + {$2300.00} for a {$1800.00} loan?! I guess I didn't understand the paperwork but this ruined months of my life and forced me to take out another payday/installment loan with someone else to pay my rent. And of course that snowballed into a disaster. 
One point it got so bad I had to put a stop payment on an autopayment from them to pay my rent and they somehow got my debit card number ( I never gave it to them ) and made a payment to them on that. I think you can see in my emails attached I filed a Fraud report. I definitely filed one with XXXX XXXX. Now all of that was sent off to collections and I still owe them money somehow. So depressing. 

Now I can't get apartment because my credit score is too low and this is the only bad thing on there except for {$270.00} for my old cable box I think? 

Please help me figure out how to settle with them without paying them even more money. I feel so taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing on behalf of my minor child she is XXXX i received her credit report from all three bureaus and everything is wrong from job, all the addresses, year of birth and even accounts i am enclosing her birth certificate, social and my id and bill only address she lived was XXXX XXXX XXXX XXXX tx 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 2017-09-23
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a statement from Chase XXXX Mileageplus credit card for an annual fee of {$95.00} for a credit card ( account number XXXX XXXX XXXX XXXX ) that I had not applied for. On XXXX, I called Chase customer service and was informed that an application for the credit card had been received. I informed them I had not applied for this account, which apparently had been opened in XXXX, and they closed the account, which had seen no activity, and later waived the annual fee. I was told that all records related to this account would be sent to me, but to date, I have not received the application or any other documents related to opening this account. Knowing the recent XXXX XXXX scandal regarding the opening of unauthorized accounts, I am suspicious that Chase may have been doing the same thing. I am writing to make you aware of this incident in case others have also been victimized in this way. 

I filed reports with the FTC and my local police department and notified all 3 credit monitoring agencies about the fraudulent card. I then placed security freezes with all 3 credit monitoring agencies, and extended the freeze earlier this month. According to the Virginia Attorney General 's Office, I have the right to obtain documents relating to fraudulent transactions or accounts opened using your personal information. I sent a follow-up letter on XXXX XXXX, to Chase again requesting any records and have received nothing from them. 

I am concerned that Chase may have initiated this fraudulent account in that the account was opened with my correct home address, which seems odd if someone were trying to steal my identity. Also odd is that no transactions were made, even though it was a month before I discovered the fraudulent account. Please note that I do not and have never had a credit card with Chase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Carrington bought my mortgage from XXXX XX/XX/2022. I did not receive a statement from them until XXXX. Every month I mailed my payment to Carrington using the address XXXX provided in their notice. I requested a statement and repeatedly informed them if my address. In the process they misappropriated my XXXX payment. Once I received a statement I called the number on the back to find out why I had late payments due, my account was classified as delinquent and was reported to the credit bureau. I have provided a copy of my bank statement and cancelled check as they requested to clear this up, Every month. They are doing nothing but sending me late notices, delinquent notices and charging me every month for 2 payments. They ignore my every attempt for them to find my payment they cashed. Ruined my credit. I am at my wits end. Someone needs to help me with aweful company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX and Transunion have violated my federally protected rights ; both companies are affecting my way of living by reporting know errors eventhoughf i have disputed or informed them of Inaccurate score reports, cautmy to deal with adverse actions when applying for family & household items. 



XXXX is reporting one score but on XXXX  its another score Transunion is saying my score is XXXX but rating & account are better than the other bureau 15 usc 1681 A4 that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S. Code 1681s2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
This is basically the same issue as before. Capital One is claiming they dont have payment when last time they miraculously cashed the check. This time they were sent a check fie {$26000.00} XX/XX/2023 and they STILL have not cashed it. Meanwhile they charge late fees and interest????

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: SUNTRUST BANKS, INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a mailer from SunTrust Bank thanking me for opening a checking account along with checks and deposit slip with routing number and account number. I never authorized this. Then I called them and spoke with an agent who asked for the checking account number, which I gave her from the checks that were mailed to me, she then hung up the phone. This reminds me of what XXXX XXXX did so I wanted to file the complaint. I have attached a copy of the letter and checks and deposit slip mailed 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 2019-06-03
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Saturday XX/XX/XXXX I used a atm machine to do a withdrawal and did not receive my money, I am requesting a dispute and refund of my money that I did not receive at the ATM machine on XX/XX/2019 around XXXX XXXX I went to the chase ATM machine at the corner of XXXX XXXX and XXXX XXXX to withdraw money out of my account. I initially tried to withdraw XXXX but the bank ATM machine told me that I had exceeded the limit allowed, so I try to withdraw {$540.00} and proceed with the transaction when I Selected to print the receipt and the get cash, the window that the cash is disposed out of did not open and I did not receive money or a receipt for that transaction I begin to do the Transaction again because I did not believe this was happening I tried tseveral times and nothing came out. I did another is a separate transaction for {$80.00} and the same thing happened.I did not receive any money from the Chase ATM machine that is on the corner of XXXX  and XXXX XXXX, I am requesting a dispute and a disbursement of my {$620.00} back. I Call the number on the ATM machine to speak with someone at Chase customer service and they express they could not do anything until I speak with my bank, this experience has cost me a great deal of stress and inconvenience me to where I can not pay my rent and my bills that is due today! 
On Monday I went back to the branch to speak with a manager and the manager also informed me that there was nothing that he could do and gave me his business card to contact customer service again,

Company response to consumer: Closed with explanation