BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
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:
I 've tried multiple times contacting the company and they tell me they have no idea who I am but I can not delete anything off of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was charged an overdraft fee for a XXXX cent transaction. The only suggestion I received from customer service is to start using a personal ledger. And it was relayed in the most condescending tones. I have been a customer for a long time. For small transactions like this, I do n't expect to be charged a {$36.00} fee. I have overdraft protection and mobile alerts active. However, this institution continues to allow certain transactions to post to my account even though there are pending transactions which have not reflected in my account balance. Earlier this month, I was also charged a fee for a music subscription withdrawal. The withdrawal happens shortly before XXXX ( as I received a text alert ) and the next morning I was charge an overdraft fee. I feel this is unfair because I immediately posted funds to the account once I noticed, but this institution refuses to take care of the fee because it 's not fraudulent. I am disappointed in the lack of customer service. If this can not be resolved, I will be canceling my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-21
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Phoenix financial services suddenly appeared on my credit with a medical debt. I do not recall this debt and they refuse to give me my documentation of where I signed to get this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: ProCollect, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Randomly I had a collections agency call me stating I had a balance with a gym that they were working on the behalf of. I asked for documentation from both the collection agency and the gym itself with nothing but figures pointed at the other party to retrieve that info. Neither party is helpful or trying to resolve this matter. 

*This membership came at a time where I was recovering from XXXX found in my XXXX and XXXX XXXX XXXX XXXX It had to be removed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I was def. not able to move let alone workout for months. So I know without a doubt this was bogus.

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 2021-02-09
Company: Experian Information Solutions Inc.
State: VA
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:
I reported to Experian about the unauthorized inquires on my account. the credit company showed no remorse for my identity being stolen and continued to give me the runaround. please help. XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - nonspecific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 2021

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 2022-01-20
Company: EQUIFAX, 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:
Equifax is currently violating FCRA by reporting false and inaccurate information. On my recent Equifax reports the XXXX Bank account XXXX XXXX reporting different information on the XXXX XXXX XXXX Payment amounts don't match on Equifax Credit Report XXXX XXXX to Equifax Report XXXX XXXX The Actual Payment Amounts '' don't match '', The Scheduled Payment Amounts are different. This a violation of the Fair and Accurate Transaction Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently spoke to a manager names XXXX regarding my account with Santander for an auto loan. We own a XXXX XXXX XXXX that we have a loan with them through. 

We had fallen significantly behind on our monthly payments due to Covid 19 and a personal family issue. I spoke with an agent to inform her that our goal was to try and begin getting the account caught up. We were prepared to make a payment of {$1600.00} to avoid repossession. 

I also stated that our account had shown as charged off since XX/XX/XXXX, the first time we had significantly financial hardship. Having the account show charged off has impacted our credit substantially. I asked her to update our credit profile once this payment was made as the account is NOT closed as it shows on our credit report. 

She said it was against company policy and that the only way to have it report or updated was to pay of or settle the loan. I requested her to reconsider as we were doing our best to catch up and she declined. I then asked to speak to a supervisor, XXXX. He said the same. Under NO circumstance would they report on time payments going forward and the account would remain in charge off / closed until it was paid off or settled. 

I said that I did not believe it was fair as they are continuing to receive my money and that I have more to risk on my credit report if I fall behind again. He said he was unable to change his mind. I was then alerted that I needed to pay {$2800.00} to keep the car from being repossessed. I asked for the tow truck company information and intended to call then until my wife calmed me down and suggested we just pay the amount. 

So, Friday I paid over {$2800.00} to bring our account current on a loan that shows charged off / closed with a bank that refuses to report it properly to the credit bureaus. 

How can they leave it in that status if they are continuing to accept my money? 
How can they call it closed or charged off if they accept my funds still? 

I would like them to update my report going forward to show the current status and status going forward. 

I do not believe this is fair treatment of me as a customer and do not believe that have a right to refuse to report this while leaving inaccurate information on my report. 

I am formally requesting they update the account to show current and future payments OR they remove this listing from my credit entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
To whom it may concern Dear chase I tried contacting you or waited for for the lady who called me a few days ago but she never called me back. Im very disappointed at whats going on just today chase has put in my account negative and want me to return the credits given to me. I lost my wallet at a public transportation train station and have no knowledge on who took and stole my black leather wallet as I was in the train I believe as I walk through the ramp I had my one ticket pass. There was people there with me we were sitting keeping distance there were few people standing and some were sitted. And skipping a few seats. As I disputed I was never contacted by chase to give them a police report number lady said if they needed more info I would be contacted that never happen I called back to give them The police report number given to me. The lady was very nice and help me dispute the unauthorized transaction and atm withdrawals. I was told I would be receiving some type of affidavit forms thru mail but I never received any document to fill in I didnt received any document to fill out and send back to chase or emails. I am thankful that they gave me the credits while the investigation was processing I want to say It was weird as I didnt get any affidavit forms or documents I also said if I had to print them out my self the nice lady said she did everything for me. I called several times for updates and to ask that I had not received any documents to fill in the affidavits. And provide them with the police report number. The police report was given to the lady. There was more than XXXX  or more of unauthorized usage. Not XXXX like the police agent said in the report I had gotten in touch with him to correct that. With this corona virus going on Im not allowed to step in any police station but I do have there number to called. I have no knowledge of who have taken my wallet I had my driver license and I had my school if from XXXX the school ID numbers were XXXX and my pin were the last 4 which was XXXX I never wrote my pin on any cards or debit card or paper Im assuming they guess it by looking at my school ID and guess the number pin correct. I. Any accused any one because I have no knowledge who took it if it was a women or man or group of random people. The time waiting to reach a representative thru chase was very poor high demands to wait almost 1 hr or longer than 50 min or 40 to talk to the fraud department or regular representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24
Company: Southwest Credit Systems, L.P.
State: TX
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:
The company 's name, according to them is Southwest Credit Systems. I do not know the company nor do I do I owe them anything!! They call repeatedly, and I've told them they have the incorrect information and not to call me again. I have several recorded messages left on my voicemail, even after I told them to stop calling me. I need help getting them to stop calling and leave voicemail for something I'm not even aware of. They even call after XXXX XXXX  when I'm already in bed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Account 1 : WORLD FINANCE, BALANCE {$1400.00}, there was no action taken by Transunion within 30 days after dispute was initiated. 
Account 2 : WORLD FINANCE, BALANCE {$530.00}, there was no action taken by Transunion within 30 days after dispute was initiated. 
Account 3 : DEPARTMENT OF EDUCATIONXXXX, BALANCE {$320000.00}, there was no action taken by Transunion within 30 days after dispute was initiated. 
Account 4 : DEPARTMENT OF EDUCATIONXXXX, BALANCE {$0.00}, there was no action taken by Transunion within 30 days after dispute was initiated. 
Account 5 : XXXX XXXX, BALANCE {$2500.00}, there was no action taken by Transunion within 30 days after dispute was initiated. 
Account 5 : XXXX XXXX, BALANCE {$9000.00}, there was no action taken by Transunion within 30 days after dispute was initiated.

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 2022-05-03
Company: Experian Information Solutions 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 the Fair Credit Reporting act XXXX  XXXX XXXX  Account # XXXX 15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 section 602 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 explanation
Consumer complaint received 2017-08-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I submitted my deferral paperwork in a timely manner ( prior to deadline ) and I followed up with them several times via telephone. I was told they had the paperwork and that it was in process. I was shocked to find out that it was on my credit report. I was reassured many times that it would be processed timely and not be reported on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24
Company: EQUIFAX, INC.
State: KY
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:
Two companies are at fault. The first agency is Equifax. I can't believe they are still in business and used by so many companies. I have tried for weeks, probably 20 times, to dispute an item and the website never works. When I finally tried to call ( as website directed ), I was transferred twice and then the " rep '' stated the system was unavailable and to call back in a few hours. She was clearly lying per script. Outrageous. XX/XX/2019 The submitting collections company is XXXX XXXX  - I called and informed them the account in question was fully paid and asked that they inform both XXXX  and Equifax. The original creditor explained they have a 30 day rotation before they would infowm XXXX  and recommended I contact XXXX  directly. I gave XXXX the confirmation number from my payment and they refused to update my report. They repeated the same excuse that they needed to verify with the creditor but, could not contact creditor and would have to wait to be updated by them. Terrible response. Item is still on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: AFNI INC.
State: NJ
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:
AFNI has knowing and wrongfully placed a collection account on my credit reports with  XXXX  and  XXXX   XXXX  that does not belong to me, they continual to harass me for my personal identification information and threaten to take further action against me for a debt I know nothing about.     I have not entered into any type of legal or binding contract with  AFNI  nor have I subscribed to or received any services from them. The identifying information which was provided to me by  one of there collection agent does not belong to me and are not mines and I never have resided in the State, City  or address which the agent also provided. The information and account are bogus in nature and deliberately and wrongfully placed on credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: MoneyLion Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have had a fraud alert on my credit report since 2015. XXXX  seems to be the only credit reporting agency that refuses to remove incorrect information, due to fraud. I have verification that certain accounts were removed including the one account in question with moneylion. I have been told that it was going to be removed but it still remains. Please remove this account from my XXXX  report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
i have been disputing these accounts reporting on my credit report since i pulled my credit report on XXXX 2016. i have submitted several disputes to the credit bureau about these accounts do not belong to me. They keep submitting response back that they have validate these accounts. I have requested over Several times for them to send me verification as to how they validated these accounts were mine and accurately? I have requested documentation of my signature on these inaccurate accounts, if they can not provide that then to delete these accounts from my credit report. The FCRA requires that all credit reporting bureaus are supposed to verify before this information is added to your credit file. I have asked on numerous attempts for them to provide me documentation showing i signed and agreed and they have not provided me these methods of verification saying they have verified these accounts as accurate.

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 2022-01-20
Company: Experian Information Solutions 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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 non-monetary relief
Consumer complaint received 2020-04-22
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
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:
In XX/XX/2019, Citibank- The Home Depot reported a 30 day late on my credit. I had submitted the information in the system for automatic payments. The automatic payments did not go through on citibank side. I requested that the creditor pull the telephone recording to verify the request submission from XXXX of XXXX  with no response. I have written, text and called with no recording or follow up. This late has caused a 60 point drop in my credit with a 7 year stain on my credit. I want the 30 day late removed as I have NEVER missed a payment before.

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 2022-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX  please investigate this matter and remove from 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 non-monetary relief
Consumer complaint received 2022-01-20
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I purchased a appliance from Home Depot and they talked me into getting a Home Depot credit card for a reduction of the original price. I agreed and when the bill came due for the remainder I paid it off in full. They kept sending me statements and charging late fees. I faxed a copy of the bank statement showing where and when the full payment was deducted from my banking account. Now they have placed this debt on my credit rating. I havent charged anything else on this card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: Accelerated Financial Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX   and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 

ACCELERATED FINANCIA Account Number : XXXX Account Type : Open Account Account Status : Closed Monthly Payment : Date Opened : XX/XX/2017 Balance : {$1500.00} Terms : High Balance : {$1500.00} Limit : Past Due : {$1500.00} Payment Status : At least 120 days or more than four payments past due Comments : COLLECTION ACCOUNT

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