BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-23
Company: Experian Information Solutions Inc.
State: NV
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:
FOUR INSTALLMENT LOANS FOR THE SAME THING? ONE SAYS IT WAS CLOSED IN XXXX I WAS SICK DURING THE PANDEMIC FOR A YEAR WITH COVID 19 3 TIMES, I HAVE NO RECOLLECTION Payment Information Payment Status Collection/Chargeoff Past Due Amount {$130.00} Highest Balance {$1400.00} Monthly Payment $ 0 Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Individual Terms XXXX Remarks Charged off as bad debt Profit and loss write-off Creditor Name XXXX/XXXX  Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX {$3900.00} XXXX, XXXX XXXX Account Closed Date Closed : XX/XX/XXXX Credit Usage You're currently using 112 % of your credit limit. 

30 % ( Stay below ) 112 % Account Information Account Status Open Account Type Credit Card Date Opened XX/XX/XXXX Credit Limit {$3500.00} Keeping your credit usage below 30 % will keep you in good standing with lenders and may lower the impact to your credit score. 

Payment Information Payment Status Late 120 Days Past Due Amount {$640.00} Highest Balance {$3900.00} Monthly Payment {$120.00} Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information XXXX XXXX XXXX XXXX XXXX -- Creditor Name XXXX, XXXX Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX {$1800.00} TAB/SUNBIT XXXX Account Closed Date Closed : XX/XX/XXXX Account Information Account Status Closed Account Type Installment sales contract Date Opened XX/XX/XXXX Credit Limit -- Payment Information Payment Status Collection/Chargeoff Past Due Amount {$920.00} Highest Balance {$2300.00} Monthly Payment $ 0 Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Individual Terms 12 Remarks Charged off as bad debt Profit and loss write-off Creditor Name XXXX/XXXX  Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX everything looking correct XXXX 
If not, you can report an inaccuracy.

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 2022-10-23
Company: EQUIFAX, INC.
State: NC
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: Experian Information Solutions Inc.
State: NV
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:
THIS INFORMATION IS NOT SUPPOSED TO BE ON MY CREDIT REPORT, THERE ARE MULTIPLE CLOSED ACCOUNTS THAT SAY THEY ARE REFINANCED  ALTHOUGH THEY ARE IN GOOD STANDING THIS NEEDS TO BE REMOVED THERE ARE ALMOST 20 SHOWING THE SAME. 


es XX/XX/90 days late ( Last 7 years ) XXXX Additional Information Responsibility Individual Terms 120 Remarks Account closed due to refinance Creditor Name DEPTEDXXXX Creditor Contact XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Is everything looking correct? 
If not, you can report an inaccuracy.

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 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to report Perfect Payment History never late and also remove all remarks from account that includes repossession/ redeemed. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions.

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 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2021-10-02
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am trying to dispute a charge of {$17000.00} to my credit card citi account the charge is being disputed because the items were not delivered I was overcharged bad service and the project was never completed. I hired a company named XXXX to build a website and after a year they never built the website they fraudulently charged my card numerous times and when I tried to dispute this charge through citi ( after a good fath attempt to the XXXX company ) and at first was told they did not respond in time and believed that the dispute was completed in my favor and for some reason the dispute was not in my favor due to wanting more information. I am now submitting a packet a very thorough detailed information to support my claim to Citibank I would like to file this claim in regards to my right to dispute accounts and charges like this due to bad service and never receiving a website after a year of hiring this company.

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 2022-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed {$25000.00} when I made a transfer from my Bank of America online account to a XXXX account on XX/XX/2022 that was supposed to be the final payment on my house. I had emailed the vendor before making the transfer to make sure the account number was still good. 
On my email, I was given a change of bank account number to make the transfer because they said there was an audit on the previous account. So, I went ahead and made the transfer. 

I waited a couple days for my receipt and when I didn't get it, I emailed the vendor the receipt of the transfer. They told me that they did not receive any payment and additionally, they don't know whose name that was on the receipt. 

I immediately made the report as fraud to Bank of America. I have called them many times because I did not hear from them and waited hours on the phone before someone answered. 

I mentioned to them on my last email that I will get " XXXX XXXX XXXX XXXX XXXX' involved '' and viola!, after waiting 6 months I received an email that I couldn't open and called them and they told me, " unfortunately, the attempt to recover the funds was not successful. They now consider the inquiry closed. '' So now, I would like to know if XXXX XXXX XXXX XXXX  can help me. This is a lot of money for a poor person like me. I am XXXX 

I told them that all banks are FDIC insured, which of course, they know. I don't think it's fair. A scam is a scam. 

I have all the email trails/feed from my vendor and the banking correspondence. 

Thanks so much in advance. 
I'm looking forward to your help. 

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 2022-11-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX Account Chase # XXXX has violated my rights. 
15USC 1681 section 602 states i have the right to privacy 15USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
The Discover Bank refuse to provide me a monthly statement including ONLY the transactions for that month for XXXX and XXXX ( say quarterly end ). 

They do provide monthly statement on XXXX, XXXX and XXXX, but for the XXXX statement and the anticipating XXXX statement, they include all activities in that quarter ( say it becomes a quarterly statement ). 

I asked them to provide me a monthly statement in addition to the quarterly statement. But they refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: Credit Karma, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
On or around XXXX - XXXX I saw a lot of pre approvals on Credit Karma. At first I didnt pay it any attention, but Credit Karma sent emails stating that I was pre approved for credit cards, personal loans, cheaper insurance and car refinancing. I saw these advertisements every time I open the app to check my credit report. I received so many offers stating that I was pre approved that I decided to apply. I even shared the information with my family members. We decided that we would use these pre approved funds to make investments and take a nice vacation. So I applied on or around XXXX for a credit card and a personal loan and was denied. I applied again in XXXX for another credit card. I was highly disappointed due to the fact I was told that I was pre approved. As of today, I am still receiving these emails. I am afraid to apply, because I may be denied again. At the time of applying, I had a pretty high credit score at all 3 credit bureaus. I couldnt understand why I was denied. I was deceived and it pissed me off. I was marketed for months to realize it was false representation on behalf of Credit Karma. I did not receive what was offered. I was highly disturbed by what took place because of the impact that Covid had brought about. But here it is XXXX and Im still being marketed for the same false representation. Credit Karma is not being honest about the pre approved content it is sharing online and through emails. The denials put me in a stressful situation. It created anxiety and added to my XXXX. Now when I see a pre approval advertisement, I immediately turn the other way due to how I was treated by Credit Karma during a crisis in America.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am so feed up with trying to get this issue resolved 1 ) I attempted to make payments to the XXXX XXXX, which they refuse to cash. The first payment was returned to me right before I went on vacation for 3 weeks. The other two I don't know what the status is other then my bank has cut them a check and they still haven't cashed them but reported me to the credit bureau as delinquent and credit score when from exceptional to good in one day.

2 ) Never could get in touch with the anyone in XXXX XXXX, had to go the office manager at the Doctor 's Office, who also got the run around from XXXX  XXXX. Eventually the issue is that there was a digit missing from the account. Expressed my concerns and was told to file a dispute. I attempted to file on the website provided and the the site wouldn't accept my complaint. 
3 ) I cut a fourth check for the balance owed.

4 ) I filed a complaint with Experian, but have been unsuccessful to submit any supporting documentation. Called, the company and they said that it must me my cookies in my computer but try again. Which I have without success. 
5 ) I find out that I now have to establish an account with all the other credit rating services that are out there and go through that process. I attempted to got to XXXX XXXX 's website to file and it became very difficult and cumbersome. 

Any assistance in getting this matter cleared up would be appreciated.

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 2022-08-24
Company: SLM CORPORATION
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:
Response has not been received for investigation that you received on XX/XX/22 Tracking number XXXX or XXXX or XXXX This has been over 40 days and deletion is now required. No proof that I owe this was supplied to me and must be in this timeframe. Signature and contract must be supplied upon request to verify debt and nothing has been provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I had been tricked into paying {$310.00} and And XX/XX/2022 the amount of {$600.00} via XXXX. Through my Wells Fargo app. As soon as I realized that something was wrong, I called the bank to report it immediately while the transaction for the {$600.00} was still pending. A few days later I received a report that there was nothing they could do.

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 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with Fair Credit Reporting act XXXX, all this accounts below has violated my rights. 





XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-08-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
CALIFORNIA XXXX XXXX CONTINUES TO ILLEGALLY PULL MY CREDIT REPORT. I HAVE ASKED THEM TO STOP. THEY PULLED A REPORT ILLEGALLY THRU EXPERIAN ON XX/XX/2022 CALIFORNIA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA ( 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 2022-08-02
Company: Westhill Financial
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has been calling me about a debt that does not belong to me. I have no business or dealings with XXXX XXXX. I ignored the calls and eventually blocked their number. Today I received an email about an unauthorized, fraudulent E-Check drawn on my account from WESTHILL EXCHANGE LLC. I never gave them authorization to debt any of my account. I never received any formal written notification of the debt or before the transaction was attempted. I demand this transaction be canceled.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-02
Company: Bread Financial Holdings, Inc.
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit 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:
My store credit card was stolen and used at a store on XXXX and XXXX. 
The store has the criminals on video making the transactions. 
I never authorized anyone to use the card. The criminals used the card to the maximum credit limit. I reported the theft of the card. Comenity should speak to the store security manager.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-24
Company: Experian Information Solutions Inc.
State: OH
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to report Perfect Payment History never late and also remove all remarks from account that includes repossession/ redeemed. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions.

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 2022-08-02
Company: U.S. BANCORP
State: TN
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:
Card showed a balance of {$280.00} when the balance was supposed to come out automatically as told to me by the tellers at the bank. It didnt and dropped my credit score XXXX points. Balance is now paid.

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 2022-12-21
Company: Central Portfolio Control Inc.
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This is not about XXXX XXXX but it is about Central Portfolio Control Inc, who bought an old payday loan debt from XXXX XXXX and have been TEXTing and calling my father, who is XXXX XXXX XXXX and was NEVER on my loan listed : they keep sending him texts about resolving MY debt as a XXXX XXXX XXXX woman. I have asked them to stop contacting my relatives!

Company response to consumer: Closed with explanation