BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-12
Company: CITIBANK, N.A.
State: MI
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:
Inquiry from CBNA onXX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from CBNA on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I am having a problem with Chase Card. They are reporting an inquiry to XXXX that was not authorized by me. Someone accessed my Amazon account and applied for an Amazon Credit Card. I have contacted XXXX and Chase card and neither company will remove this fraudulent inquiry from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have informed XXXX, Equifax and XXXX that they are reporting invalid information on my credit report. They did a dispute BUT did not validate as I requested with signed documents, receipts or any proof that either of these accounts are mine! I have repeatedly requested that they investigate and remove from my report. they have refused XXXX. XXXX XXXX XXXX {$560.00} balance acct XXXX opened on XX/XX/XXXX XXXX. XXXX XXXX XXXX  {$1000.00} balance acct XXXX opened on XX/XX/XXXX My rights are being violated! 

You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
TransUnion claims they except disputes to repair remove incorrect information they however DO NOT remove delete fix anything resulting in untouched inaccurate information dating back to many many years ago. 

Separately I have been affected by a bank who claims information on TransUnion file has resulted in the closure of an account and also cutting my higher credit limit to lower limits. Who decided it was a good idea to allow a bureau this much power over the consumers? They report the lowest credit score of the other bureaus I'd like to request they stop reporting anything about me Good or Bad

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 2016-11-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Rewards

Complaint:
I received an email from Chase bank to apply for their new Ink business card and i will get XXXX bonus points I applied, and they denied the application because i have too many cards. 

If that is the case why did they send me an email inviting me to apply, and wasting my time?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On Monday XXXX XXXX I was selling a dress on facebook market and the person named XXXX XXXX who bought my dress asked for my name and phone number under my account to XXXX  me the money and thats what i did but then i got emails from a fake XXXX email saying to follow procedures to receive the money and one email had said to XXXX  {$600.00} to verify your identity but it will be refunded and another said that the person sent an extra {$600.00} to me by accident and to refund it and said to XXXX {$770.00} to finally receive the money fully to verify. I then realized that the XXXX email was fake and the person hasnt been answering me ever since. Ive lost {$1900.00}. The XXXX emails look real and when I did some research the XXXX email address was fake. I called chase and told them the situation but said its not covered since it was a scam and I authorized the transactions even though I was INDUCED. Chase didnt want to do anything about it as well as XXXX XXXX Ive never done this before and there shouldve been a courtesy refund or something. XXXX  a college student who isnt working and barley has money to live off of. Very unfair that people are covered under fraud and not scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a Bank of America checking account after receiving a targeted promotion for the " Offer300 '' {$300.00} bonus for making {$4000.00} of direct deposits within the first 3 months of account opening. Upon completing the requirements and waiting a month following completion, I did not receive the bonus and called to inquire why not. Bank of America denied my claim, stating that I " was not targeted '' for the offer, and asked me to fax screenshots of the offer. I have screenshots but did not fax, and called again to try and get my bonus resolved. Today again they said my request was declined and are asking me to go into a branch so they can fax the screenshots to the right corporate department. I 've called now about 10 times in the past month and have been given the run-around by customer service reps who 've given me numbers to wrong departments ( Merrill Lynch investing ) and have not filed my complaints.

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 2017-03-10
Company: Focus Holding Company
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello this is regard to XXXX and there attempts to collect on a debt that has been paid. We discontinued service with XXXX in XX/XX/2016. They could n't get our billing correct so we parted ways. We have sent back all XXXX receivers and they continue to bill us for a unknown large amount that we do not owe. 
We paid the XXXX $ that we setup in XX/XX/2016. They never applied the payment and said they had a problem with there system. It is now in collections and we need it removed. I am attaching XXXX pdf files. XXXX shows that the payment came out of our bank account on our bank statement out of our business account. The XXXX shows a confirmation email from XXXX showing that we did have the payment scheduled and what I say is true.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
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:
Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 2016-08-05
Company: Integrity Solution Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Integrity Solution Services continues to post debt that has previously been REMOVED! Many agencies continue this process of adding, I continue to dispute them, they get removed, then reappear under a different name ( XXXX XXXX, XXXX, XXXX, XXXX ). Some have even changed the name of the original creditor.

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 2022-05-19
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX, XXXX XXXX, and XXXX have refused to removed a debt that I am not responsible for. I have been proactive with communicating and disputing this collection. However, they refused to take action. I have been a victim of Identity Theft and was apart of XXXX data breach. They have also acknowledge that my personal information including my social security number, phone number, and address was found on the dark web. I am filing this complaint to take further action in my dispute process in result of having a collection removed. attached are my original documents sent to the credit bureaus.

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 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Inquiry from XXXX XXXX XXXX on XX/XX/2018. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
The federal lawsuit with Sallie Mae? How can a regular borrower, be compensated in the lawsuit, like the military veterans?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Experian Information Solutions 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:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$1900.00} XXXX XXXXXXXX {$2600.00} XXXX XXXX {$4400.00} XXXX XXXX {$240.00} XXXX   XXXX {$170.00} XXXX  XXXX {$270.00} XXXX XXXXXXXX {$360.00} XXXX   XXXX {$570.00} XXXX XXXX {$710.00} XXXX XXXXXXXX {$440.00} XXXX   XXXX {$240.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$18000.00} XXXX  XXXX {$3500.00} XXXX XXXX {$2700.00} XXXX XXXX {$1500.00}

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 explanation
Consumer complaint received 2016-08-11
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I was informed by some loan processors that I had an XXXX XXXX account that had an outstanding balance of {$9100.00} on my Equifax file. In XXXX I filed a complaint with the XXXX XXXX ( # XXXX ) listing Equifax failure to update my balance for this account to reflect the proper amount as provided via documents sent to Equifax. In my complaint I informed the XXXX that XXXX had deleted the item from my file. XXXX XXXX of Equifax informed XXXX that my Equifax account reflected the account as Zero as opposed to deleting the item. Equifax showed that I had a score of XXXX as of XXXX, 2016. 
The XXXX account in currently on Equifax file but not XXXX or XXXX and has been reinstated as me having a balance of {$9100.00} again. This done more than likely on purpose and under the direction of XXXX XXXX due to my XXXX complaint. Since then I also received a letter from XXXX advising my account reflects or should reflect Zero and that it has been reported as such to the credit reporting agencies. XXXX XXXX Contact is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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, has violated my rights. 

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 an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-05-19
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX, XXXX and Experian are reporting a charged off account on my credit report. the original credit is XXXX XXXX XXXX This account is over it statue of limitations to collect this debt and to be reporting on my credit report! I have asked several times for them to remove this information but for some reason they seem to continue to re-age the account. I am trying to purchase a home and this account is the only thing standing in my way. I have done everything that I can do to try to pay the debt including contacting XXXXXXXX XXXX informed me that they could not find the amount owed and that the account was over its statue of limitations to collect. And the Collection agency who had the account, informed me that the account was over its statue of limitations and they could not collect the debt. therefore there is no debt.

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 2015-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Prior complaint # XXXX. Now I have spoken to numerous people and still they can not provide me with answers on why my credit card was cancelled. 
They say my credit score is XXXX, I called XXXX and spoke to a XXXX and she said impossible that my score is XXXX, Bank of America also said that my report is showing delinquencies but, XXXX says their are no delinquencies. I do n't understand and I did explain about the derogatory items but, my report is better then some people that are still able to have their credit card, why am I being treated differently. Now they issued another inquire on my report and that will lower my score more. 
The other question that they cant answer is why was n't my credit card cancelled when my score was below XXXX but, when my score is XXXX they cancelled it. 
This is what XXXX saysXXXXXXXXMy XXXX and XXXX XXXXHow you compareYour credit ranks higher than 24 % of the American consumers. 
Credit Reporting AgencyXXXX XXXX XXXXCredit Report PeriodXXXXXXXXXX/XX/2015Credit ScoreXXXXUpdated on XXXXXX/XX/2015And it was XXXX but, now since they did a hard inquire, it is XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had a Mortgage that was owned by XXXX XXXX XXXX. It was then sold to Rushmore Loan services. I fell behind in making payments and they offered me a solution to " help '' make my payments current. They ended up adding over {$34000.00} in fees to my loan in XXXX XXXX. Keep in mind at that time they only had my loan since XXXX XXXX, so in less than 5 months they say I accumulated over XXXX in fees? I did n't even realize they were adding that at the time to my principal. I was worried and signed the paperwork as they threatened to foreclose on my home! I never realized they increased it until I looked at my statements XX/XX/XXXX after I have made successful payments to them, and thinking I might have made a dent in my balance. I was shocked to see such a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I believe that it was a mistake to close/permanently limiting my paypal account. I am using my paypal account for trading as my way of helping the children to provide their needs in their school materials and expenses. My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and God Bless. 

For Identity verification, I attached my Valid ID. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: HEAD MERCANTILE CO., INC.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i notice a negative item on my credit report from HEAD MERCANTILE COMPANY ON XX/XX/2020 SAYING I OWE A ALLEGED DEBT OF XXXX. I sent them a complaint letter for this debt which I attached a copy below.I am asking for any assistance in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Byrider Franchising, LLC
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/XXXX, CNAC was sued by the XXXX   Attorney General. A settlement was announced on XX/XX/XXXX indicating that I would be notified by the Attorney General about the impact that this would have on my account. On XX/XX/XXXX, CNAC sent an unsigned letter describing the way they believed my account was impacted and indicated that my payments would be lowered accordingly. On XX/XX/XXXX, I made a payment and I informed CNAC that I would need a copy of my account history to analyze the changes that CNAC suggested were a result of the Attorney General settlement agreement. I received the statement in mid XXXX, XXXX. I have now assembled all information related to this loan and sent a copy to the XXXX Attorney General to ask for their guidance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Wells Fargo Bank partially locked access to my online business checking account. No reason stated. No reason it would be partially locked. If I wanted full access I was told to call them. In order to verify my ownership of the account they began asking me a series of questions regarding myself. Multiple choice questions about my previous addresses, personal partners, non existent XXXX bills ... basically an information fishing expedition gathering big data that has nothing to do with my account. Information that I would have never needed to divulge to set up the account. When I complained about the fishing expedition, my account was instantly unlocked even though I answered none of the questions in the array of data collection. I think this activity should be investigated, find out why they are collecting the information, what are the storage procedures, if they have a policy regarding the selling or swapping the information with third parties.

Company response to consumer: Closed with explanation