BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021, and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 non-monetary relief
Consumer complaint received 2017-06-01
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a call from XXXX XXXX. The XXXX XXXX. representative started the conversation by stating my name and asking if that was me and then said " I have your social security number ending in XXXX '' and asked if this was correct. I told him I would not verify that until he told me what this was about. He said he knew my whole social security number and proceeded to rattle it off. Again, I told him I would not verify it until he told me what the call was about and he said he would n't tell me what the call was about until I verified my social security number and then he hung up. I called the number from caller ID back, and after being told they have no record of my phone number I asked to be transferred to a manager. I was told by the " manager '' that they were calling about a Discover Card. I told her I did not have a Discover Card. She told me they were calling about a debt from 1996. I told her that debt was written off a long time ago and that they were way beyond the 7 year statute of limitations and that they were clearly a scam at which point the " manager '' told me " we 're about to come after you '' and then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
In XXXX of this year I made an bank '' payment to American Express for the amount of XXXX, ( XXXX ). On XXXX/XXXX/2017 AE made a demand for payment to my bank, ( XXXX ) for XXXX, ( XXXX ). The amount on deposit would not cover the demand and payment was rejected by my bank. On XXXX/XXXX/2017 my XXXX bank account received a debt Reversal of ( XXXX ). On XXXX/XXXX/2017 I was charged XXXX dollars, ( XXXX ) for Returned Item. On XXXX/XXXX/2017 American Express retried to withdraw ( XXXX ) from my account. On XXXX I initiated a Stop and Hold on American Express, ( cost {$35.00} ). On XXXX/XXXX/2017 AE again retried to obtain payment of ( XXXX ). I have made numerous calls to the AE Customer Service Center in effort to straighten the problem out, after admitting an error on thier part AE sent me a check for, ( XXXX ) in payment for funds that were never withdrawn from my account due to lack of funds and a Stop and Hold order. I called thier Customer service Center and explained to them that since no payment was made by me they do not owe me any money ; I then asked them how they wanted the check handled, they advised me to return or destroy it, I shredded the check and advised them that it had been destroyed, I thought that was the end of the matter. No I am still receiving demands for payment for XXXX, ( {$10000.00} ). They just do n't seem to get it and as a result are damaging my excellent credit rating

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed inquiries that were not made by me however I have not heard back from 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 2021-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX who is submitting this CFPB complaint myself. This account is reporting late as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 

( 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 non-monetary relief
Consumer complaint received 2019-12-18
Company: Experian Information Solutions Inc.
State: FL
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 DEMAND TO KNOW THE REASON/S AS TO WHY THE XXXX XXXX XXXX XXXX ACCOUNT STILL REMAINS REPORTING NEGATIVELY UNDER EXPERIAN AND XXXX. 
XXXX  WAS ABLE TO GET IT REMOVED SINCE I STARTED DISPUTING THE INACCURACIES ON : XX/XX/2019, THEY COMPLETELY DELETED THE ACCOUNT FROM MY REPORT ON XX/XX/2019. THIS ACCOUNT REMAINS CHARGED OFF WITH A HIGH BALANCE AND IT IS TRULY HINDERING THE OVERALL HEALTH OF MY CREDIT SCORES. XXXX  MANAGED WASH OFF THE ACCOUNT BECAUSE THERE IS NOTHING VERIFIABLE, ACCURATE NOR COMPLETE ABOUT IT. ONCE AGAIN, NEITHER EXPERIAN NOR XXXX  HAS RESPONDED BACK TO MY DISPUTES, THIS IS GETTING RIDICULOUS. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE ( FCRA ). PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED COMPLETELY FROM ALL REPORTS.

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 2017-10-16
Company: CITIBANK, N.A.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
We are filing a lawsuit in the amount of XXXX $ against Citi Bank. They have failed to provide information proving ownership of the account and have not removed the account as it is Identity Theft from the credit Bureaus. 


Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You have VIOLATED FDCPA LAW for both and I will be filling proceeding with this lawsuit if you do not REMOVE THE ACCOUNTS FROM MY CREDIT REPORTS. IF YOU REMOVE THE ACCOUNTS I WILL DROP THE LAWSUIT.

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 2021-12-14
Company: JPMORGAN CHASE & CO.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
I paid off the last balance in full on XX/XX/2021. Since then I've accrued XXXX in balance and XXXX dollars is currently pending. However my balance XX/XX/XXXX is showing as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Hi a wire was send to pay, {$4000.00} and one for {$350.00} for shipping.for an invoice, for a total of {$4300.00} thru Wells Fargo Business account, the same day that was Re-send was stop by me in the same day XX/XX/2017 that was a Friday, was stop by me, at the Bank with an officer and with wire customer service, the wire customer service, do to be Friday their left it for the following Monday the XX/XX/2017 this is neglecting in their part, and their send the funds anyway, now we are out the funds and their just washing their hands, telling me is to late, there is no way we going to lose that money, so we ask to help us in this matter Banks always get away with murder, their always committing fraud again customer and no body cares, we ask that their credit our account do to their neglecting specially today that everyone is a victim of fraud daily.

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 2017-04-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Convenience checks

Complaint:
I used XXXX Chase Ink convenient checks for {$2000.00} each ( {$4000.00} ) to pay off other credit cards balances. They suggested this in a promotion that Chase Ink sent me. It had a upfront fee of {$40.00} for each check ( {$80.00} ). 

Starting XXXX I sent in checks to pay off this promotional {$4000.00} plus they were taking out auto payments on top of me sending in the extra money to pay off the promotional {$4000.00}. 

I wanted the extra checks I sent in to go to the Promotional {$4000.00} and the auto payments to go to my card regular balance. 

The total of checks i sent since XXXX for the promotional 0 % interest was {$2300.00}. 

As of today XXXX they say I still have a promotional balance of {$3400.00} after I sent them {$2300.00} in checks. 

Also remember I had auto payments being paid to my regular balance on this Chase Ink card. As of XXXX I paid auto payments of {$1900.00}. 

Chase Ink says they can not apply the extra checks I sent to the promotional balance, the {$2300.00}, because of rules and regulations. what are these?? 

My concern is that, they charged me a fee up front to use the checks, {$80.00}. Now they are NOT letting me pay off the balance of these checks because of rules and regulations?? 

AND to top it off ... in XXXX they start charging me interest on the {$4000.00} that they will not let me pay it off the way I want to pay it off. 

So to sum it up ... they charge me a fee to use the checks, {$80.00} and Chase Ink WO N'T let me pay off the promotional 0 % and in XXXX I start paying interest on a balance they wo n't let me pay off. 

In the end I will have paid a fee and then interest on top of that fee. That is NOT a promotional XXXX % interest offer!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Harpeth Financial Services, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
We took out the loan in XXXX of XXXX, it was for {$440.00} dollars. It is now XX/XX/XXXX, and the balance owed is STILL {$440.00} dollars despite paying {$110.00} EVERY month for almost two years taken automatically from account, except for XX/XX/XXXX as I froze the debit card they used. I did this once before, but they managed to still take the money somehow.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hey, hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being passed around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my Report I filed for identity theft because these accounts were not mine. Have them remove these thank you.

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 2022-04-29
Company: Direct Recovery Services, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They keep calling & texting my cell phone ( xxx ) XXXX looking for a " XXXX XXXX XXXX to collect some kind of debt. I am not that person, nor do I know that person. I have emailed them ( XX/XX/22 ), texted them and called them multiple times and told them they have the wrong number for XXXX XXXX. Their typical response is no reply or to hang-up on me. Once they said they would remove me ( my cell phone number? ) from their list, however the call and texts continue. Just to exacerbated the situation, they are also typically very discourteous. 

Calls received - multiple calls ( XXXX ) from ( XXXX ) XXXX the last one on XX/XX/22, ( XXXX ) XXXX on XX/XX/22, ( ( XXXX ) XXXX on XX/XX/22, ( XXXX ) XXXX on XX/XX/22, ( XXXX ) XXXX on XX/XX/22, ( XXXX ) XXXX on XX/XX/22, ( XXXX ) XXXX on XX/XX/22. 

Texts received - ( XXXX ) XXXX on XX/XX/22, ( XXXX ) XXXX on XX/XX/22, others but I have deleted them. 

No response to my email of XX/XX/22. 

A quick search on the internet regarding this company shows a plethora of similar complaints. This company must be restrained in some manner!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Scammer claiming to be a billing agent for XXXX XXXX called and said my electricity would be shut off if I did not immediately pay a bill of {$490.00}. I agreed to pay and they said I needed to use XXXX and put my case number in the note on the XXXX payment. 
I was assured that I could pay the bill in person at a XXXX  XXXX, but I had the option to pay through an app. 

I checked my bank statements and saw that my XXXX XXXX bill is autopayed from my Citibank checking account and was paid recently. 

Called Citibank to have them cancel the payment and they said there was no recourse because I had approved the payment. I did indeed approve, but only because I THOUGHT I was paying a utility bill, not a scammer. Scammer required I put " XXXX '' in the memo for XXXX  XXXX billing. 

Citbank said they would investigate, but shouldn't XXXX be accountable for these fraud schemes? 1. They are making money from illegal transactions. 2. For larger payments, there should be some delay or buffer to prevent this. 3. XXXX should be able to easily connect user activity to an individual and hold them accountable. It's not hard. 


The banks that own XXXX are abetting criminals.

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 monetary relief
Consumer complaint received 2018-10-06
Company: Experian Information Solutions Inc.
State: NC
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:
Experian said that the system change my credit scores on it own but I was told by the mortgage lender since another mortgage lender just check my credit report on the same day XX/XX/2018 it wouldnt take no more points for. I had a month after the first lender. Both was done on the same day I lost 1314 points.Experian said they have no control of this but I didnt lose points like this with the other bureau. Then they remove XXXX XXXX that was in my bankruptcy made me lose points because when I call XXXX and ask why did they do that they said they didnt because its against the law since I was in bankruptcy. Experian said nothing they can do about it now because they cant see it on my credit report anymore.Last experian have about 5 credit cards that was in my bankruptcy that they are showing late payments I am out of bankruptcy and all that was in my bankruptcy supposed to be showing XXXX balance and no late history but experian said they will investigate this but this information is on my credit report that all those credit cards was in bankruptcy. What are they investigating? Out of the three I am only having these issues with experian and when I file a dispute it get worst. Please help

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 2022-08-07
Company: EQUIFAX, INC.
State: PA
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:
Congress makes it clear that you assumed your role in evaluating consumer reports. I was affected by Equifax. Equifax you did not have permission to furnish anything on my reports, I did not give my consent. Also, congress states that consumer reporting agencies must exercise their grave responsibility. Equifax was unfair, impartial and did not respect my right to privacy. Nor did they receive consent to furnish anything on my report. Congress states that written instructions must be received from the consumer for consumer reporting agencies to furnish anything on a consumers report ; I did not give written instructions to equifax to furnish anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Equifax and XXXX  are in violation of deleting several accounts ; then add the same account back on my credit report. I dispute my these accounts, and Equifax and XXXX were not able to verify the information. This accounts were detailed, and they added back on my credit report. 
1. Validate inaccurate/reported late payments XXXX  XXXX Account Number : XXXX Please remove inaccurate reported late payments update to paid as agreed 2. XXXX Account Number : XXXX Please remove inaccurate reported late payments update to paid as agreed 3. XXXX XXXX XXXX XXXX Account Number : XXXX Please remove inaccurate reported late payments update to paid as agreed 4. XXXX XXXX XXXX Account Number : XXXX Please remove inaccurate reported late payments update to paid as agreed 5. XXXX XXXX XXXX Account Number : XXXX Please remove inaccurate reported late payments update to paid as agreed 6. 
Account Number : XXXX Please remove inaccurate reported late payments update to paid as agreed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I tried to settle with this collection agency, Portfolio Recovery, I offered payment for removal from my credit reports. To summarize my letters, I stated by accepting payment enclosed portfolio recovery agrees to removal and deletion of this debt. If they did not agree the could mail back my check, I enclosed a self address stamped envelope. 

Portfolio accepted my payment, but is now reporting on my credit report with this statement, " Legally paid in full for less than the full balance ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: National Credit Systems,Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
There is inaccurate information reporting on my credit report. Therefore I requested a Investigation into this matter from XXXX, XXXX, & XXXX on XX/XX/XXXX. XXXX XXXX XXXX " XX/XX/XXXX '' & National Credit Systems " XX/XX/XXXX '' are not my accounts. It has been well over 30 days & I have not received a reply from any of the credit bureaus. Under the fcra these unverifiable accounts please remove from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I am disputing the underlying facts of an entry. They are reporting a XXXX XXXX account that my ex-wife opened without my knowledge but it still appearing on my report since XX/XX/2012. This has been disputed with Transunion and been removed, but Equifax refuses to understand that this account was her responsibility. I provided the details and the divorce decree but they still will only reply with " we verified this account belongs to you ''. I have a credit score in the XXXX range and pay everything on time. I would not make a late payment for a {$200.00} account. This is not right and needs to be removed. I have disputed with Equifax at least three times with a refusal to investigate further.

Company response to consumer: Closed with explanation