BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-26
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This dispute that I continuosly have with Equifax is their blatant refusal to remove items from my credit report that does n't belong to me and that I have sent in FTC Affidavits, Police Reports and other supporting documentation. They refuse to block the information based on identity theft and the fair credit reporting act that supports me. They continously dispute as an everyday dispute. Stating the same resolution as the information has been verified as to belong to you. Based on me reading the 605 b Identity theft rule credit reporting agencies have 4 business days to block said information. I want these items removed and blocked. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. All of these accounts were opened without my authorization and the should be removed. Also, I am also asking Equifax to remove these XXXX addresses that continues to pop up on my report that I have never lived. XXXX XXXX XXXX, XXXX, XXXX XXXX Reported : XX/XX/2016 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Reported : XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Commonwealth finance is trying to collect and report on the same debt twice. This is very old debt and has been reported for a long time. Now its showing twice!! This is against the Florida statutes from what i understand as well as re-aging an account with no cause is also illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Experian Information Solutions Inc.
State: NJ
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 ACCOUNT BEING DISPUTE IS A COLLECTION ACCOUNT THAT I PAID FOR AND IT HAS BEEN SETTLED WITH THE COMPANY. I HAVE BEEN REQUESTING TO HAVE THIS ACCOUNT COMPLETELY REMOVED OFF MY CREDIT FILE FOR IT IS STILL BEING REPORTED AS A DEROGATORY COLLECTION. THIS ACCOUNT HAS TAKEN A TOLL ON ME. I HAVE BEEN TRYING TO ACQUIRE NEW CREDIT AND I HAVE BEEN DENIED OVER AND OVER AGAIN DUE TO A MISTAKE. PLEASE HAVE THIS MATTER RE-INVESTIGATED AND HAVE IT REMOVED PER MY REQUEST. ATTACHED IS THE LETTER SHOWING PROOF OF PAYMENT THAT THE ACCOUNT IS PAID AND SETTLED.

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 2016-05-13
Company: The CBE Group, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The company Cbe Group keeps harrasing me by phone constantly day and night. I have told then numerous times to stop calling but they continue to do it please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I am receiving calls everyday, less than 24 hours from when I previously spoke to them. I give them the same spill, " I am unemployed, I do n't receive unemployment, I have no income whatsoever at this time. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: CITIBANK, N.A.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In XX/XX/XXXX, and XX/XX/2019 Macys/DSNB added inquiries on my credit report per XXXX XXXX. These inquiries were not authorized in writing by me. These inquiries were disputed and unsuccessful removed by the credit bureaus. According to the FCRA, Macys/DSNB has violated my rights as a consumer And Im requesting legal action to remove these inquiries.

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 2016-08-07
Company: ALLY FINANCIAL INC.
State: MI
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Ally Financial, their representative XXXX XXXX XXXX refused to validate ( their ) the alleged debt for an auto loan, prior to taking legal action. 
Prior to this, Ally Financial made false statements regarding this loan and the loan had been modified ( mutually ) : there was no record of this provided. 
Ally Financial refused to acknowledge any issues and upon request, sent inaccurate information in response.

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 2016-11-04
Company: Ray Klein, Inc.
State: OR
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is a medical bill that I had set up payments with the hospital to pay and then lost my card and got a new one and forget to change it with the hospital by the time I call the hospital to set it up again 60 days later it was transferred to a collector ( my fault I should have called sooner ) I called the collection agency professional credit service ( who I had n't received any paperwork from, the hospital had my address and managed to send all the bills after my XXXX to my correct address but the agency decided to send them to my parents who I have n't lived with for 10+ years ) to schedule payments and she informed me my bill was now {$2700.00} instead of what I had paid it down to with the hospital of {$2500.00}. When I asked why that was she informed me they would be adding 9 % interest to my bill each month until I could pay it off ... WHICH SEEMS CRIMINAL! I started looking at if this was legal and the only thing I could find is that debt collectors ca n't charge me more than my original contract which I assume was the original bill from the hospital for just over {$3000.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2020-12-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have submitted 6 requests to Experian to update my address and remove any others listed as they are incorrect. On XX/XX/2020, I sent my first request and Experian responded as deleted all except the current address. However, when I pulled my credit report on XX/XX/2020, they had not been removed. I subsequently sent letters requesting incorrect address deletion on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020, and my request still has not been updated again to reflect my correct and current address 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 explanation
Consumer complaint received 2016-04-29
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
My FICO score had been rising steadily over the last two years due to my being quite responsible with the utilization of credit and immediately paying my credit card balance in full every month. A few months ago, my credit card company increased my credit limit. They did this WITHOUT asking me or getting my permission. Now because the ratio of my credit usage vs available credit has changed, the bureaus tanked my FICO by XXXX points! In other words, I 'm NOT in debt. I pay my balance in full and on time, but because my monthly charges are now XXXX % usage ( vs XXXX % ) against available credit, I get punished with a drop in my FICO? This is proof that the credit bureaus need to be investigated and sued. What they are doing is damaging to people NOT in debt. It 's almost as if they rather we accumulate massive debt, which makes no sense. PLEASE do something about this. Obviously their algorithm is broken.

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 2015-10-07
Company: Credit Systems of the Fox Valley, Inc.
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I rented apartment XXXX. when we checked in carpet had burn marks. they promised to change later but never did. this is noted in check in and checkout sheet. After giving key I requested manager to check if everything is ok. he said everything is ok and I will not be charged any thing. This company did n't gave my deposit back, instead they sent a bill for XXXX i called and sent later they never responded. after 2 year a collection agency sent a later. I replied again that I do n't owe anything and I have a proof. they never verified and reported credit agency. this company does this with almost all tenants.they never gave deposit back or never discuss issue. someone need to check this companies record. is any govt. agency can help against this daytime robbery?

Company response to consumer: Closed
Consumer complaint received 2022-11-21
Company: Experian Information Solutions 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-15
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I looked on my credit report and I still have this account that i really own. I already sent dispute letters via certified mail to delete this account but for some reason they are not responding on my letters. Its been 60 days since i mailed the letters but until now I still don't hear anything from them. This account really affects my good standing and I want it to be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-15
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Offer says " Within 30 days of opening your account, deposit {$50000.00} in New-to-Citibank funds between the new checking and savings accounts. Maintain a minimum balance of {$50000.00} between the checking and savings accounts for 60 consecutive calendar days. '' However, the customer service requested that I need to maintain the funds in my account for another 90 days to qualify the requirement for the bonus. It is scam.

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 2016-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I requested the Bankruptcy record to be removed from my report. It has been more than 7 years since discharge, and by their own words, the record remains for 7 or up to 10 years.

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 2016-11-05
Company: Maury Cobb, Attorney at Law, LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
We were pre-approved for a service many years ago, and just recently ( 2 years ago ) when we went to do a refinance we were notified that we had a debt from the banker not the collection agency. Then I followed the steps to prove I do n't owe, and I got a voicemail saying the claim has been paid, and I do not owe anything. Recently I was called again saying only part of it was paid and I still owe money. I asked for verification of debt and have not received anything. I last requested and explanation of benefits vial emai as I was told to do on XX/XX/2016 and then spoke with XXXX from Maury Cobb again on XX/XX/2016. I do n't have any bills to reference because no one will send me any information just a few reference numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I included a letter that I received from XXXX XXXX XXXX of the BBVA dated XX/XX/2020. This letter indicated the revised schedule for my next payment is XX/XX/2020. 
On XX/XX/2020, and XX/XX/2020, the representative from the XXXX XXXX XXXX department called me from the number ( XXXX ) XXXX and told me that my account was late for the XXXX payment, I responded to the representative that I received the approval letter, and my due date is XX/XX/2020. But the representative told me that the letter which I received was incorrect and I needed to send it back to the BBVA. 
I believe the staff from the XXXX XXXX XXXX department violated the Fair Credit Reporting Act under the Federal Trade Commission. Because in the letter, the language expressed that if I disagreed, then respond in 10 days to the BBVA ; otherwise, this extension will remain in effect. 
On XX/XX/2020, I received a statement that indicated my account has a late fee of {$33.00}, and the original payment was {$670.00} went up to the amount of {$1300.00}. 
On XX/XX/2020, I received a statement which indicated there was a late fee of amount {$33.00}, and the BBVA reported to the Credit Bureaus Agencies for late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Payoff process

Complaint:
Describe what happened so we can understand the issue ... 
In a nutshell, I had a Chase bankcard credit card years ago. Hit somerough times and could not pay, on time. I asked that account be closedI was offered a settlement. I was told that if I paid the agreed amountthat the account would be reported as " Settled in full '' to the creditreporting agencies. ( SEE ATTACHED LETTER dated XX/XX/XXXX ). I paid them, PER THEIR TERMS, and received confirmation from them via a mailed letter dated XX/XX/XXXX, that they are ... .. 'pleased to confirm that they received the payments to complete the terms of the settlement agreement ' ... ... ( SEE ATTACHED LETTER dated XX/XX/XXXX ). 

Two years later, while reviewing my credit reports, I seethat all XXXX CRA 's are reporting this NOT as " Settled in Full '', as were theterms stated in their letter to me, but are reporting : " charge off '', no mention of any settlement, and " settled for less than full balance '', etc ... paid in full for less than full balance, etc. ( see attached letter dated XX/XX/XXXX ). THIS IS NOT THE SAME THING AS THE XXXX WORDS I WAS PROMISED- " SETTLED IN FULL ''. 
I did not agree to " settled in full, for less than full amount '', or any similar term. The point of trying to settle this account was to clear the negative trade line! 
Chase insists they have no control over how the XXXX CRA 's report on this, and they are reporting this correctly. 
I see a BIG difference in an account being noted as SETTLED IN FULL vs. " paid in full for less that full balance changed off ''. 
I feel that their collection practices are fraudulent and I feel that I was tricked into trying to resolving this account, with false promises made by them about how the account would be noted, once paid per their terms. 
They also state that they can not delete information from my credit report, which is also a bold lie ( see attached letter dated XX/XX/XXXX ). They are the ones who reported this to begin with and, they have the power to correct this, or even just delete the whole trade line, since it is being disputed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03
Company: GOLDMAN SACHS BANK USA
State: AE
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:
During XX/XX/XXXX the company reported my account as a late payment which is affecting my XXXX XXXX. During that time the company approved me into the program for hardship during XXXX. The company did not follow the XXXX act and still reported my account as past due. I called before and had told me they would remove due to it being incorrectly reported. The company refuse to remove the late payment stated they sent me letters saying I wasn't approved which is not accurate. i am asking them to comply with the XXXX act to have the late payment removed for XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A week ago, I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. Also, I got inquiries and I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as 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 2020-12-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: WELLS FARGO & COMPANY
State: MA
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:
I have a dispute with XXXX, the car rental, and i brought it to my bank 's, wells fargo, attention, the money was returned and from the conversation we had it was my understanding that the dispute had been resloved. A few days go by and now my bank is over-charging the disupted amount to turn my account and charge me excessive fees. They have charged my account over by 300 $ and keep on doing it regardless of my repeated attempts to tell them otherwise

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 2015-05-17
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card
Issue: Balance transfer

Complaint:
every month chase give interest on my account every XXXX of the month. but if i sent a payment before the XXXX they hold the payment and make like the mailman deliver it late.By doing this it leave me with a higher monthly balance were chase can have extra interest. this month i sent in a payment a head of time .I call and my month balance was??? this was on XX/XX/2015.my payment sent in was on the XXXX of the month.Now chase gave me interest on the XXXX instead of the XXXX were that payment would reduce my monthly balance at a lower balance. BY doing the XXXX of the month the payment didnt show to low my monthly payment .they have been doing tricks like this for a long time getting over on their customs. somebody needs to hold chase accountable.they making money on hold the balance were they would make more at higher monthly balance then they would if i sent in a payment before the calculate the interest for the month due. for example if the balance XXXX and i sent a payment of XXXX before the XXXX the new end monthly balance should be XXXX at apr interest rate. but chase wait to post payment so on the XXXX the monthly balance still be XXXX where the chase can have extra interest payment.so when you seen in that payment it dont show were it help seening in extra payment.

Company response to consumer: Closed with explanation