BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-27
Company: Experian Information Solutions 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:
They are continuously reporting fraudulant accounts on my credit report and I'm about tired of it this was reported to my local police station and according to FTC should be blocked from showing on my credit profile because this doesn't belong 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 2019-01-02
Company: JPMORGAN CHASE & CO.
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I tried to close my account with XXXX XXXX. I thought it was closed. Now they sent me another credit card. It takes 7 hours to contact anyone there. I am busy at work. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 sent letters to the 3 credit bureaus ( XXXX, Transunion, & XXXX ) for them to investigate 4 accounts that are reporting on my credit report that I have no knowledge of. I demanded, based on the Fair Credit Reporting Act, that they send me proof ( signed contracts ) that the accounts belong to me or remove the fraudulent accounts from my credit report in which they are required to do if they can not submit verifiable documents of each account. 

Letter 1, 2, 3 & 4 was certified mailed to XXXX, Transunion & XXXX respectively on XX/XX/2018 ( letters 1 ). 

XXXX : XX/XX/18, XXXX : XX/XX/18, Transunion : XX/XX/18 ( letters 2 ). 

XXXX : XX/XX/18, Transunion : XX/XX/18 & XXXX : XX/XX/18 XXXX letters XXXX ). 

XXXX : XX/XX/18, Transunion XX/XX/18, XXXX XX/XX/18 ( letters 4 ). 

The accounts that were requested by myself for Transunion, XXXX, and XXXX to investigate are : XXXX XXXX XXXX, XXXX XXXX, XXXX Card, XXXX XXXX. 

Each time I sent a letter, their investigation came back as the accounts being verified as belonging to me without sending me a copy of verifiable proof of a consumer contract with my signature on it. XXXX also sent me 2 out of their 4 response letters that they have sent letters previously regarding my dispute ( which was just them saying that they investigated and verified the accounts as mine without verifiable proof ) and that they will no longer investigate my accounts. The response letters they sent were dated as follow : XXXX : XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 Transunion : XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 XXXX : XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 All of which they claim to have verified the accounts as belonging to me without sending a consumer contract with my signatures.

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 2021-05-03
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: Personal information incorrect

Complaint:
I have contacted Experian several times and explained that the address XXXX XXXX XXXX XXXX, MS does not belong to me & I have never lived there. I disputed this address back on XX/XX/XXXX and there were no changes. I also disputes again on XX/XX/XXXX and this was not deleted. I spoke with someone in the special handling department and she did nothing either. This information is not mine & should be deleted from my credit report. I explained that I have been a victim of identity theft & this incorrect information allows easy access to open additional accounts in my name.

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 2020-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
I pulled my report on XX/XX/XXXX from XXXX XXXX. I noticed that my loan with capital one was showing seven missed payments from XX/XX/XXXX- XX/XX/XXXX. I did not miss any payments during these times. Capital one Auto Needs to check all their statements and figure out why they are reporting me late when the payments came out my account before the due date

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX I had XXXX as a provider for cable/wifi services for a rental location of XXXX XXXX XXXX, XXXX, MI, XXXX. Account XXXX. XXXX. During my service, I opted for automatic payment from my credit card to ensure that all bills were paid on time. In XX/XX/XXXX, I called and formally terminated my service, as my lease was up at this location. I was told my account was paid in full. My last payment posted on XX/XX/XXXX in the amount of {$49.00}. Because of the partial month, I was issued a credit on XX/XX/XXXX in the amount of {$37.00}. 

On XX/XX/XXXX, I had mail forwarded to me by the US Postal Service, from Diversified Consultants, Inc. who informed me that they have been referred by XXXX for collection of {$37.00} debt. XXXX XXXX XXXX XXXX : XXXX. 

I contacted XXXX for the 3rd time since XX/XX/XXXX and spent and hour on a chat session ( chat ID : XXXX ). I was informed that XXXX would be issuing a credit, so that there would be a {$0.00} balance on my account and that the collection effort would be terminated. 

In so much that I have continually attempted to affect a complete closure of this account, I have no faith that this errant debt collection will be terminated. Both companies need to be punished for their failures to appropriately account for my service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-02
Company: Shellpoint Partners, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a had a mortgage with XXXX XXXX since XX/XX/XXXX. I recently received a notice of servicing transfer, from XXXX XXXX to Shellpoint Mortgage Servicing, effective XX/XX/XXXX. Mid XX/XX/XXXX, I started receiving harassing phone calls, mail and certified mail from Shellpoint Mortgage Servicing, claiming that my mortgage was delinquent and that they were taking action. I called XXXX XXXX and told them that Shellpoint had sent me a letter and had been calling me and they confirmed that my mortgage had not transferred and would not transfer until XX/XX/XXXX. I tried to call the Shellpoint phone number on the transfer notice, but it required the caller to answer marketing questions ( there was no option to talk to a person unless you went through a marketing survey ), so I hung up. Each time Shellpoint called me, they asked for personal information, which I refused to give to them. The representatives were extremely rude, when I explained to them that I had talked to XXXX XXXX and that my mortgage had not transferred and was current with XXXX, they harassed me and tried to get me to provide them personal information. I asked them to stop calling me and they refused, they said that I needed to send the a cease request in writing by mail and that they would keep calling me until I did that. I also asked them to not use my mobile number for robo calls ( they asked me if it was okay and I said no ) but they continued. One rep said that this was how they made their calls. I am concerned ( 1 ) because they continiuosly call me and harass me on my work mobile phone and wont stop, ( 2 ) they may be reporting negative credit on my credit report and ( 3 ) that XX/XX/XXXX I will be forced to do business with such a company. Both companies say the other company is incorrect, XXXX XXXX was supposed to be investigating but I have not heard anything back.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 have attempted on multiple occasions to have incorrect bankruptcy information deleted from my credit report. As of XX/XX/XXXX I have put in at least 4 disputes with each of the 3 major credit bureaus regarding an incorrect date listed from my past XXXX case. The report date lists XX/XX/XXXX, the uploaded document lists XX/XX/XXXX. I was asked to send a copy of my document for verification, I faxed each bureau immediately. XXXX deleted the file from my report within 2 days. Transunion and XXXX   said it can't be deleted. I explained according to the document I faxed in, this should have been deleted as of XX/XX/XXXX. This document includes : Date XXXX file number XXXX plan information Amount of debt Monthly payment plan and length of plan Debtors Fee 's Lawyer information I also explained to each rep that I called the XXXX XXXX of Wisconsin XXXX court and spoke to the manager XXXX. He explained that no matter what the filing date is, as long as the case is closed the XXXX court does not report to the credit bureaus nor is it mandatory to have a XXXX  listed after a case if closed. He suggested that I ask to speak with a manager. On multiple calls I have been told a manager is not available at this time. I also want to note I've asked what is the process for validating information? I was told a dispute is opened and it takes 30 days to be resolved. They use a third party vendor to verify information. My argument was how can my faxed proof be overlooked vs the credit bureaus using third party vendor? Also, if it takes 30 days, why is my dispute resolved within 24 hours. That to me is a clear indication that know one is doing a thorough check to validate my information. 

Contacting the credit bureaus has been very frustrating and time consuming. Each person I speak with gives me a different answer and always fail to resolve my issue. I also let them know XXXX deleted this record from my report and they should follow suit. This issue has continued to damage my credit as well as caused me to be denied for credit on multiple occasions. Please review my attached document and have this deleted from my report immediately.

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 2022-08-08
Company: CITIBANK, N.A.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hello, This is a follow up and an escalation to the previously filed complaint : complaint ID : XXXX As it was advised by a Citi Bank representative during a phone call on XX/XX/XXXX, I circled back with the sending parties -- XXXX and XXXX XXXX XXXX and advised them to submit yet another wire recall request. Unfortunately, Citi Bank is ignoring multiple wire recall requests, and the issue is still not resolved, Citi Bank has been holding my well-earned money since XX/XX/XXXX. I am attaching the wire details again. I do not understand what to do to move forward. 

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 2018-04-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was told by this particular seller that they only used XXXX as a payment. And since it could be used through my bank, I thought it was save. I had no idea that the bank would tell me that since I authorized the payment that it wasnt initially fraud. I dont feel protected at all. I downloaded XXXX, and sent the money and was told by the seller that I would get all the information I needed to get the XXXX home. Shortly after, I was blocked. My bank told me there was nothing they could do. Even with knowing that XXXX is a new scam. Theres nothing the app that tells you to only send to family and friends. I was under the impression that XXXX was created as a save money transaction between sellers and buyers. No customer service number from XXXX, or anything. Out off XXXX bucks.

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 2023-02-20
Company: Cottonwood Financial Ltd.
State: OR
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I took out a payday loan about 10 years ago maybe more and they are stating I never paid it back even though its not on my credit or anything!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Through my credit report monitoring I became aware on XX/XX/21 that Barclay Bank, the provider of the XXXX XXXX credit card, had charged an annual fee of {$190.00}. I was never provided a statement via mail nor a notification via email that they had charged my card this fee. My address and email are up to date with Barclay Bank and I have not used the card in quite some time so I do not log in regularly to check for charges that I have not made. 

Upon review of my credit report I immediately made the payment on XX/XX/21. I reached out to the credit card company informing them that I had not received a statement via mail nor a notification via email. Their canned response was " we are required to report delinquencies to the credit bureau ''. They had no explanation as to why they had charged my card the annual fee yet never issued a bill or notification via mail or email and did not take further action. 

In my 40 year credit history I have never missed nor been late on any payments and I respectfully request that this inappropriate charge resulting in a delinquency

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 2020-12-14
Company: JPMORGAN CHASE & CO.
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:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, XXXX XXXX XXXX and on XX/XX/2020, JPMCB CARD add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-02
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am a victim of Hurricane Michael, living directly in a federally declared natural disaster zone and XXXX XXXX has stolen what little financial dignity I had remaining. During the storm and as an unfortunate result of it's aftermath, I have been unable to use the simple technology to effectively manage things such as automatic bill payments and their cancellations due to rolling service outages, infrastructure problems, and other more pressing events beyond my control such as the safety of my loved ones. Even today as I write you regarding this I am still without reliable service at this point hence the continued delay in reporting this and other problems consequential of the most recent events. Nevertheless, although the funds were available to shortly after to cover the funds, the mounting fees made it impossible to ever catch up. To add insult to injury during this already difficult time, I received a email on my birthday nonetheless, that XXXX XXXX is closing my credit card accounts after five years of  my loyalty their brand and an impeccable payment history. It's almost as if they are intentionally taunting me during a time when it would seems as if they would be willing to help their loyal customers who have perfect histories with 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 2020-05-09
Company: Square Inc
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Hello- my name is XXXX XXXX and Ive been attempting to get a replacement cash app card for Cash App quite some time in order to receive the stimulus payment. Am discovering that since XXXX my brother XXXX XXXX in conjunction with a friend on XXXX XXXX and number of other people have been accessing my account and basically stealing any funds that are due my way. I close the account and reopen but they have it direct deposit linked to a card which does not belong to me. They have done this with countless other companies as well, then phone in to say Im the one doing fraud which is false. Am trying to clear my name but its been difficult when 10-20 people are calling in or emailing to lie about me at once versus my one phone call or email at a time which I can send in.. thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Capital one XXXX rewards card Paid bill XX/XX/XXXX. Scheduled payment three weeks ( approx ) ahead of time time via phone app AND phone call. 

Payment processed by midnight on phone app, phone call, and bank website thus credit was restored. Payment was processed for XXXX and XXXX. 

Used credit card during weekend for a holiday trip and twice or thrice during the week. Attempted to use credit card for XXXX XXXX XXXX, declined. 

Payment was actually returned ( but no money credited to either debit or credit account, thus robbed ), with a higher debt rating than previously before the payment ( thus robbed again ). 

Payment also due again for XXXX and XXXX thus robbed a third time, feeling extremely swindled and cheated despite being a loyal customer either a consistent track record of complying with creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: ROC Asset Solutions, LLC
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Was contacted by company claiming I owe a debt. When I ask them please mail me, at my home address, all documents supporting this claim for my review. The company refused to do so.

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 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2019-01-02
Company: EQUIFAX, INC.
State: AL
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 have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 120 days late.

Company response to consumer: Closed with non-monetary relief