BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-15
Company: Santander Consumer USA Holdings Inc.
State: TN
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:
There are inquiries on my report from these companies that I do not recognize or have open or closed accounts with

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: SYNCHRONY FINANCIAL
State: LA
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:
Their customer service would not help and take care of the negative inquiries reporting on 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 explanation
Consumer complaint received 2021-09-15
Company: EQUIFAX, INC.
State: TN
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:
I had an auto loan with XXXX XXXX which began XX/XX/XXXX. The auto loan was completely paid off in XXXX of XXXX. Also in XXXX on a recorded call XXXX agreed to remove ALL late payments on my credit report. The reference number to the XXXX case was XXXX. After a couple weeks of not removing it. I called back in XXXX to check the status. The representative acknowledged that she seen the agreement from XXXX and was confused of why it wasnt yet resolved. The rep open a separate case to attempt to get it resolved faster. The XXXX reference number is XXXX. As of today the late payments for XXXX and XXXX are still present on my credit report. XXXX XXXX failed to remove the negative marks as agreed. Im requesting XXXX XXXX to remove these negative marks from all 3 credit bureaus Equifax, XXXX and XXXX as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX, 2014 I went to a XXXX club in XXXX XXXX named XXXX. I do not remember most of the evening and believe I was drugged. My debit card and XXXX XXXX flagged transactions as suspicious from the establishment but American Express accepted {$9300.00} in charges from XXXX that evening. My monthly closing date for the month was XXXX XXXX and my statement showed a balance of {$30000.00} for a card with a credit limit of {$21000.00}. 

I contacted AMEX and disputed the charges and filed a police report online with the XXXX XXXX Police Dept. A coworker was with me that evening and says he pulled me out before most of the charges were applied to my card and timestamped e-mails from the night support this claim. XXXX AMEX says the establishment sent evidence that I am responsible for the charges but they refuse to send that to me. I asked for itemized details of what I was charged for and this was not provided. I was only given some, not all, of the receipts requested from the night in question. AMEX told me they would do nothing else until they receive a copy of a police report but no action appears to have been taken by the police from the police report I filed. I wrote them in writing to inform them of the dispute within the 60 day limit and again after their response within 10 days indicating I was refusing to pay as detailed in the membership agreement. 

I am suspicious that AMEX may be violating the law by permitting an unreasonably excessive amount of charges over my credit limit ( my limit was lowered from {$25000.00} to {$21000.00} a year or two before this incident ), by not providing evidence that I could have agreed of the transactions or any details as to what those transactions could have corresponded to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
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: Personal information incorrect

Complaint:
Wrong address ON FILE- mail going to old address- they still have A security freeze on both my account and wife as it was removed through Experian XXXX 2017. waited on phone well over hour I could not get the overseas representative to do anything! Asked to be transferred to US waiting and waiting finally hung up. I asked them to contact Experian who was supposed t be updating all three agencies- that evidently did not happen- they still have old incorrect missing information on their 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 explanation
Consumer complaint received 2016-08-06
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citi Gold Checking account in XXXX 2016 by using a promo code which offered a XXXX XXXX miles bonus. I believe I have met all the requirements to receive this bonus. However I did not receive the bonus. I also contacted Citi customer service many times about this issue and were told the bonus would be posted to my account within 90 days of account opening. Unfortunately the 90 days deadline had far passed. But I still have not received the bonus. Therefore, I believe Citi bank has failed their promise on this. I am requesting Citi bank to honor their promise and post the bonus as soon as possible. Thanks

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 2017-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Wrong address ON FILE- mail going to old address- they still have A security freeze on both my account and wife as it was removed through XXXX XXXX 2017. waited on phone well over hour I could not get the overseas representative to do anything! Asked to be transferred to US waiting and waiting finally hung up. I asked them to contact XXXX who was supposed t be updating all three agencies- that evidently did not happen- they still have old incorrect missing information on their 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 explanation
Consumer complaint received 2021-09-15
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:
My student loan servicer XXXX is incorrectly reporting information. Both on their website and to credit reporting agencies. 

My loans were discharged as I am 100 % XXXX veteran. As such the loans should be paid in full, closed. That's how they should appear and be reported. However, when I check the credit reporting agencies and when I get my mortgage verification document from XXXX, they show as closed but still owning $ XXXX in loans. This is inaccurate, this is wrong, and I am being harmed from obtaining a mortgage. 

Please correct 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 2021-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
From XXXX XXXX to end date. I received statement with {$6500.00} overdraft from my account. I reported Bank of America about that she I don't remember her name ask me about the dates were took it the money and she told had been cancelled my card and she reported everything the money was took it from me.XXXX {$1000.00} XXXX {$1000.00}, XX/XX/20 {$1000.00}, XX/XX/20 $ XXXX {$1000.00} than XX/XX/20 took me 10 times of {$100.00} was another {$1000.00}. Last XX/XX/20 {$500.00}. Total took {$6500.00} still paid on fees {$20.00}. My Accion I called them to report what happened. Bank of America representative told me not to do anything else had been reported to fraud department. And I'm gon na received another card for replacement.

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 2016-04-26
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: APR or interest rate

Complaint:
In XXXX 2016 I received a letter from American Express ( Amex ) indicating that beginning XXXX XXXX, 2016 the APR % rate would rise to 14.49 % for purchases going forward. I called the XXXX number listed on the letter to ask whether the increase would be to the Fed Gov't raising the interest rates and I was advised yes and I also asked if I would be able to negotiate the APR % at that time and I was further advised yes. I thought no more of it until XX/XX/XXXX when I received my statement to indicate the increase in the APR % rate and again I called the XXXX number and spoke to XXXX women in XXXX who were XXXX very rude and was advised I should seek " credit counseling and I would not be able to negotiate the APR % rate at that time ''. I then wrote to Senator XXXX in XXXX indicating my story and my phone calls and asking for his help. I did in turn copy Amex as well as XXXX XXXX of the Fed Reserve in XXXX, XXXX Just today I had another conversation with XXXX a supervisor in the XXXX I.D . # XXXX indicating that he would not negotiate with me at this time. I then asked if in the future I would be able to negotiate the interest rate and he further advised " no ''. Disgusted yes, most definitely because earlier in the day I spoke to an XXXX again in XXXX ( I did not get an ID # ) and he indicated he would give me XX/XX/XXXX APR % of {$54.00} as a credit. XXXX indicated that there WERE NO NOTES ON THIS CONVERSATION I HAD WITH XXXX THIS AM.!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
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:
I disputed accounts about 3 weeks ago. They removed some but not all. I need them to remove the remaining accounts that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: JPMORGAN CHASE & CO.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have previously filed a complaint against Chase Bank for this debt due to inaccurate reporting to all of the credit reporting agencies. Chase filed inaccurate information regarding this account, and according to the Fair Credit Reporting Act, ALL information must be accurate or the account must be removed from ALL credit reporting agencies ' records. Chase still has not removed this account from any of the credit bureaus. Also, I have attached the latest debt collection letter from Chase directly, even though Chase has already charged-off the account and they have received a full tax write-off from the IRS as of XXXX , 2021. Chase Bank has already been fully compensated by the government and they are trying to double-dip the system in order to collect extra money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: TRANSWORLD SYSTEMS INC
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Transworld Systems , Inc. is reporting on XXXX that my debt has not been paid to XXXX. I have a receipt that says that as of XX/XX/2013 that I had a {$0.00} balance on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
US Bank Opened and send me a credit card which I did not request or applied for

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 2017-04-27
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In  XXXX  or  XXXX  of   XXXX  , Carrington sent me an escrow statement, and explained that my homeowner 's exemption had expired, which resulted in my mortgage payment being raised by over {$300.00}. They told me to g o to my county and ap ply for another exemption, send them the receipt from the transaction, and they would adjust my phkebt. I proceeded to go to the  XXXX  County Courthouse to file for another exemption, which was granted. I sent the paperwork to Carrington, and they told me that they could not accept it, a nd that the county need ed to send it directly to them  (  whic h the county doe s not do ). In the meantime, I was faced with paying the high payment due to them not adjusting my payment as they promised. They said that there was nothing that they could do, even after I tried to send them the {$1400.00} check tha t the county se nt to me as a result of the overpayment. They told me that I would just have to pay the higher payment that I could not afford until the next year. I countinuously called, and finally they lowered the payment a little bit by stretching the escrow shortage out over 24 months, and causing more interest accrual for that period. This is all in effort to make more money off of the customer. I then called at least 10 more times, which is documented in their system. I was calling almost every week since last  XXXX . They have been marking my veesoy report 30 days pat doe, because they set me up for an impossible mission of paying this high amount even though I tried to send in the escrow shortage, which they refused. My credit is now RUINED because of them, and I want them to own the mistake and fix the Lates on my credit. After months of being told that there was nothing that could be done, I called in last month, only to be told that they could have given me a forebearance in the first place. I am LIVID. Now I have to wait years for my credit to rebound because of a lack of competent customer service agents. Please help me fix this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: PROSPERITY BANCSHARES, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
My ex fiance went behind my back and took out {$300.00} through XXXX XXXX on my bank which I personally did not have that money in the first place I have no idea how it came out only to find out today that on the 9th my dispute that I started on the XXXX XXXX XXXX when I finally figured out how to get this stuff taken care of was denied because the fact that I've used cash several times in the past however if you look at my thing I have never spent more than 50 to {$80.00} at a time except for one steering XXXX when I was buying everyone XXXX presents, and apparently they said that I told them that it was not a fraud through text but most likely that means if they did text me I have a feeling with the way my ex is he probably saw the text on my phone and replied and deleted it when I was asleep because this did happen when I was asleep in the first place because I would never have let him overdraw my account and I need to finish the dispute in order to finish my identity theft report because my ex had stolen my bank information, my state ID my social security card, birth certificate, stuff like that nature of my son 's, and a lot more and I'm trying to get it taken care of but I can't whenever they are not willing to speak with me about it even though I filed a police report and everything just because of something that was out of my control and I want it fixed now because it's been 4 months and I'm not going to let him hang over my head and I'm not going to let him get away with doing this stuff because I'm tired of it, I'm tired of hearing people come to me about the things he said and did with me and after me and even before me and of him still harassing me even though I have a no contact order on him and there's nothing that can be done it seems like or at least nobody wants to do anything to actually help me at this point he has caused me to lose my son have issues getting a job be homeless and so much more and it's emotionally and at this point even physically texting because I am literally worrying myself sick with all of this stuff and I want action.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-09
Company: Wilber and Associates, P.C.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I rented a car in XXXX XXXX from XXXX. I had an accident at that time and was covered by XXXX 's car insurance. XXXX paid the claim and XXXX signed a release for all damage claims and related charges to this accident. The number XXXX and XXXX agreed to was {$9700.00}. 

In XXXX XXXX i receive a phone call from Wilber & Associates telling me that I owe around {$1500.00} for this accident. I tried to explain to them that this ca n't be because XXXX signed a release form. One agent at Wilber threatened to get my driver 's license suspended. In any event, they tried to finagle a deal with me if I paid at the very moment. I refused and tried to reach XXXX. 

I ca n't reach XXXX ' claim department to find out what this is all about. I consulted with a lawyer ( friend ) who read the release letter and it is very clear that I am completely released from all future claims. 

I 've sent Wilber & Associates a letter clearly explaining this and sent them a copy of the release letter. I also sent this to XXXX. 

I believe Wilber is targeting people like me to try to get us to pay them for invalid claims. I believe they are committing something close to illegal. 

Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: ProCollect, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have tried to contact this company three times in regards to accounts they have placed on my credit and to date I have not heard back from the company but the accounts continues to be reported on my credit file which is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: EQUIFAX, INC.
State: VA
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:
Hi, I am writing my concerns regarding the accounts I found in my credit report. They are not mine and I do not recognize them. My memory does not have these items at all, and I think I am victim of identity theft because its obvious if these accounts are not mine. 

I am talking about these accounts : 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 2017-10-09
Company: Risecredit, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
on XX/XX/XXXX They contacted me 3 times and on the third time I asked them to not call me repeatedly while I was working. The individual told me that they had no control over the calls and that it was automated and they can only leave me a message on the 3rd time they call. I have asked multiple times they call me after XXXX and still they call me any time between XXXX and XXXX multiple times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I just discovered a billing problem when I checked my credit record. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. These are unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labeled past due. Below is a list of the disputed account. 
XXXX XXXX XXXX XXXX : {$0.00}

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