BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-12
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
When applying for a checking account at Webster Bank on XX/XX/2020, I was denied a checking account and instead had to open an " Opportunity Checking '' account that carries a significant monthly fee. 

I was given a " notice of action based on information contained in a consumer report '' that instructed me to obtain a copy of my XXXX  report and dispute any inaccurate information in that report. 

I requested my XXXX report, and when it arrived ( dated XX/XX/2020 ), there were no derogatory marks on my report ( specifically, there was " no information found '' under the " Reported Information '' section of the report ). 

I spoke to Webster Bank customer service on or around XX/XX/2020, and they informed me that my XXXX  report contained three charged-off accounts. However, they would not give me a copy of the report. 

I spoke to Webster Bank customer service on XX/XX/2020 and XX/XX/2020 to attempt to get a copy of the report that was used to deny me a checking account. The first time I called, I was told that the department that handles XXXX  reports was closed. The second time, they first tried to make me call XXXX, and subsequently put me on hold and then disconnected the call. 

As far as I can tell, Webster Bank illegally denied me a checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Experian Information Solutions Inc.
State: LA
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 
XXXX {$270.00} XXXX {$930.00} XXXX {$760.00} XXXX {$420.00} XXXX {$700.00} XXXX {$630.00} XXXX $

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Other fee

Complaint:
I purchased an HVAC system through Lowes Home Improvement on my lowes Credit card. I signed a contract on XX/XX/2015 for Installed services by XXXX/XXXX/2015 with the only condition of weather permitting. The final installed date was XX/XX/2015. There was no weather delays. The installer stated that his schedulling was first come first serve. Charges began accruing on the credit card begining XX/XX/2015. I asked Lowes to refund only the credit charges due to the failure to meet the terms of the contract and considering the fact that charges accrued on the service even when the service had not been delivered. They did not respond despite multiple calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-17
Company: U.S. BANCORP
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
i was injured on the job 1 year ago.got in touch with the company and explained my issue and they said they had a program to help me repay the debt. I just had a XXXX XXXX XXXX XXXX 2015 prior to the XXXX i i set up a hardship repayment program loan with elan fian co and after i made first payment as we agreed over the phone. i found they were still reporting me negative to the credit bureaus and then the original monthly payment amount changed and they could not validate/explain to me why. I have hired XXXX to help with the situation. i changed my phone number because they were calling and harrasing me 7 days a week well today they got my new number and are doing the same thing again. I cant recover from my XXXX XXXX and worry about this company trying to collect a debt that i did not agree to the new terms the changed without my consent please help me. Thank you 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 2022-10-07
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
we've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX Date Opened : XX/XX/2019 Balance : {$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
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681section 602 A. States I have rights to privacy.

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

15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.

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 2022-05-16
Company: Experian Information Solutions Inc.
State: MD
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 sent Experian a XXXX letter disputing two accounts that have been paid for legally and closed but still appears delinquent on my credit report. I also mailed the required documents and information to them on XXXX XXXX, 2022. Experian reached back XX/XX/2022 stating everything is accurate. I don't think it is fair to have a delinquent account remaining active on an account if it has been paid and resolved already.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my 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 2016-06-22
Company: BARCLAYS BANK DELAWARE
State: OK
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This credit card opened an account for someone other then me in my name and now they trying to make me pay for it even after I disputed it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a collection account on my credit report which originated from XXXX for {$370.00} from Amsher Collection Services in Alabama. In XX/XX/XXXX I looked into switching my cell phone service from XXXX  XXXX to XXXX. Prior to completing the transaction XXXX wanted a {$600.00} deposit for new phones, so I decided NOT to use their service as that was an exhorbanant amount. I did not sign anything, receive service and my phone was never ported over. I ended up switching to XXXX the next day and have been their customer ever since. 

2 months later I received a bill from XXXX claiming I owed them {$600.00}. I called them the same day and was told that this was a mistake and they would cancel the debt. 

Approximatly a month later I received another noticed that I owed {$370.00} for XXXX. Again I called and was assured that it would be taken care of and that it is a cerical mistake. 

On XX/XX/XXXX I noticed a debt collection on my credit report for all 3 credit reporting agencies. I disputed the account and just found out that I was denied by XXXX. I don't know what else to do. 

I have never been a customer of XXXX, never used their service, nor have I ever ported a phone number over to them. I have had my same phone number for over 10 years and am a happy XXXX customer. 

I'm at a loss for what to do to correct this fraudulent charge, short of just paying off the {$370.00}. I am willing to hire a laywer if needed just for the principal of the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: DFC Global Corp.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I did not know payment would be XXXX on a {$5000.00} loan and its causing a negative balance evey month. I ask them if they could reduce it when I discovered the payment amount and they said it was nothing they could do. I just cant afford this loan at that amount. My bank has rejected the payment this month. I have been trying to get a loan to payoff but have failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a fraud collection debt with a company that claims I owe an amount of {$1600.00}. Its says it's from XXXX XXXX   XXXX which I have never been acquaintance with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: BARCLAYS BANK DELAWARE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XXXX XXXX, 2020 my husband and I flew on XXXX   XXXX Flight XXXX from XXXX XXXX XXXX NY to XXXX Florida. In flight, we were offered an application for the XXXX XXXX. We were handed the application and a pen to complete it. We were told that it was a card with no annual fee and there is a special inflight only offer of XXXX bonus points to sign up. I believe this may have also been printed on the application also. The flight attendant strongly advised people to sign up as this was the best offer XXXX XXXX has even had. The next highest offer she said was XXXX points for a version that had a fee attached. In addition, the attendant said since there is no fee and and since XXXX pools points she recommended that husband and wives each fill out their own application so that they each would get the XXXX points. To obtain the bonus points all you needed to do was to meet a minimum spend about in the first few months. My husband and I to date have received only XXXX bonus points in our XXXX accounts. On XX/XX/XXXX I reached out to XXXX and they claim they have no such offer of XXXX points. I asked for a copy of our applications and they said they could not provide them. On XX/XX/XXXX I reached out to Barclay 's who manages the card and spoke with a supervisor, who also said they had no such offer and was 'sorry for the miscommunication ' and said the highest offer they had was the XXXX points for the card with a fee attached. I also asked for a copy of our applications and she said that the application department and has them and she could not get them for me. This was fraudulent and heavily pushed advertising on the plane while in flight and I am requesting that the XXXX points be deposited to my husband 's account and my account. I am submitting two separate complaints, one under my credit card number and one under his. 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 2021-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2020-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
During the year of XXXX, I was a Junior in College and fell in hard times, and with school work and being a full-time college student I got behind of bills and paid the months of XX/XX/XXXX and XX/XX/XXXX late which might have been a little over 30 days with Capital One. I had been a good member with them since XXXX and have never been late since then up now in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/2019 I paid off the full balance of my Capital One Credit Card. The balance was {$2600.00} and the account was ALWAYS paid on or before the due date. We are a XXXX  military family and it is a major accomplishment to pay them off. Anyway after paying the bill off entirely I get another bill for {$35.00}. This was amazing to me as I had had no activity on the card and expected a {$0.00} bill. So I called them directly and spoke to 2 customer service agents who refused to remove the charge citing additional interest charges. I told them to simply invoke a one time courtesy adjustment and they refused. Now I am refusing to pay it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-12
Company: Phoenix Financial Services LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Phoenix Financial Services entered an erroneous collection on my Credit Report on XX/XX/XXXX. I believe this was an old medical bill for my son from XXXX. It was incorrectly submitted to insurance company for procedure not performed. This matter was resolved by the original creditor back in XXXX. 
I contacted Phoenix by mail on XX/XX/XXXX. I emailed Phoenix on XX/XX/XXXX. I filed a claim with the Indiana XXXX on XX/XX/XXXX. Phoenix responded " A verification of debt was requested and will be mailed to consumers verified address once it has been received. '' I have not received any correspondence from Phoenix, written or via email. 
Attempted to file a dispute with XXXX but there is a glitch with their online dispute program and I repeatedly get an error message. 
I would like this collection removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase bank is closing all my accounts with no explanation provided This is a big issue because they are ruining my excellent credit which Ive worked over a decade for, Ive been banking with them for over a decade I need help fighting this I dont know what to do and I am being treated unfairly They are not doing anything about it they simply say they are cutting the relationship with me This is going to ruin my credit and is hurting my life

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
After a legal name change my credit card was no longer updating on my credit report. I asked Transunion to investigate and they completely removed the account. I reached out to them in XX/XX/XXXX to  alert them that the account should be there, they said if XXXX submitted the information it could be added back. XXXX confirmed they are submitting the information. I followed up in XX/XX/XXXXand Transunion once again claimed that chase had not submitted the information. XXXX Confirmed they were submitting the information to all three credit agencies. Transunion supervisor said he found the information and it should be on the system within 20-30 days. I followed up again in XX/XX/XXXX. After multiple calls to XXXX and Transunion I was ultimately told by trans union they would not allow the account to be added back. 

This is my oldest account and 2/3 of my available credit. My Transunion score is showing 25 points lower than the other two Credit companies because of 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 non-monetary relief
Consumer complaint received 2019-03-04
Company: Experian Information Solutions Inc.
State: NM
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:
Experian is not responding to any of my requests to investigate, verify and remove accounts from my credit report that were opened fraudulently.

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 2019-03-02
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The date I received this letter was XX/XX/2019 Account File Number : XXXX The lawyers from Hayt, Hayt, Landau P.L. address : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, Florida XXXX Telephone ( XXXX ) XXXX They stated a creditor : XXXX XXXX XXXX, XXXX. wants me to pay {$1600.00} to them. 

I was a victim of identity debt and notified this company of such matter. I never borrowed from XXXX XXXX XXXX because I have no 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 2020-06-12
Company: EQUIFAX, INC.
State: AR
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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Experian Information Solutions Inc.
State: DC
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 received a notice that the status of two of my XXXX accounts had changed from " open '' to " closed ''. In addition, one of the loans was showing 4 late payments in a row. I have never missed a payment on one account and had only one XXXX day late ( in 2016 ) on the other. ( account numbers XXXX on one account and XXXX on the other - detail attached ). 

I contacted XXXX XXXX letter attached ) and they indicated it was an error to report such information to the credit bureaus. They would remove it XXXX XXXX XXXX XXXX  ). They removed the 4 late payments but the bureau did not update the status to " open ''. This is artificially lowering my credit score and costing me thousands of dollars. This would be considered negligent non-compliance with the FCRA which requires the bureaus to report the proper current status of an item.

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