BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-23
Company: Experian Information Solutions Inc.
State: FL
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:
It has been a battle going through this and I am writing to delete the following fraudulent items in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged : XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX US SM BUS ADMIN ODA Inquiries Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXXXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX. showing on my credit report. I, therefore, request that you immediately remove this items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible.

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 2021-12-15
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX of XX/XX/2021, all money have been stolen from my citi bank accounts. I have never authorized the transfer and the bank didn't send me an alert before the transfer. 

I am still waiting for the solution from the bank while all my saving and checking money has gone. They just put it as dispute and claim to do investigation. I think they should handle this more seriously and rapidly. 

I have submitted a form of " Affidavit of Unauthorized Online Wire Transfer '' to the bank.

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 2016-03-11
Company: ERC
State: NY
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:
Somewhere XX/XX/XXXX or XX/XX/XXXX my cell phone was stolen and I immediately called the XXXX to inform them of a stolen cell phone. We agreed to keep the phone on to keep GPS signal alive to try to locate the thief while XXXX would monitor any strange calls. That was Saturday, but on Monday I log onto the account and saw that strange calls were made to XXXX, although I am XXXX and I never even been in XXXX or have anybody there. So I called XXXX once again on Monday only 40h after my first call to them and they told me that someone has been making a calls to XXXX in amount of over a {$12.00} XXXX ... ..I just could not believe that XXXX would let someone make in one day over a XXXX calls ... ..and then they tried to held me responsible. Anyway I did dispute the charges and I had peace till now ... after almost 5 years some debt collection agency from Florida ruined my credit score with the debt I never even made. I called them and they said to me over the phone that they will send a Marshall to arrest me in 24 hours if I don`t pay. 
ABSURD!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: Experian Information Solutions Inc.
State: MS
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed XXXX {$1400.00XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1400.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$500.00} XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX  XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XX/XX/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 2022-07-23
Company: Experian Information Solutions Inc.
State: WA
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, 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 furnished 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 2019-12-21
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
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:
On XX/XX/XXXX I submitted a request to Rushmore Mortgage company to remove late payments that they had recorded and reported on my credit report during the year XXXX when my loan was transferred to them from another lender. My mortgage was being paid by the XXXX XXXX XXXX XXXX. Agency.  Payments were being paid electronically on time according to schedule. Somehow something went wrong with the way Rushmore was recording the data and it reported several late payments. The XXXX XXXX XXXX XXXX reached out to Rushmore several times in trying to rectify the problem but did not get any responses from them. When XXXX  did hear something after reporting Rushmore to the US Department of Treasury, Rushmore stated they were having staffing issues back then. Nevertheless, the reporting issue was never cleared up. I thought everything was good until recently I learned that those reporting errors was hurting my credit profile and ability to get fair credit. I then appeal to Rushmore to examine the records and remove the late payments recorded in error. Within approximately 24 to 36 hours I was told that the records were correct. I included the email dialogue I had with the XXXX representative attesting to the inaccuracy of the records as they were paying on time. 
I think Rushmore has been unfair in their investigation and that they should correct the records and remove those late payment recordings.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I 've tried for months through other mediums to rectify this incorrect information that XXXX XXXX reporting to credit bureaus. I know that they have been cited/sued for unfair treatment of consumers in the past according to the FCRA and I believe that I 'm being treated the same way. 

I do not have a signed contract nor any contract with Portfolio Recovery Associates. I have never done business with them and I am not liable for this collection from XXXX XXXX XXXX. Furthermore I am not responsible for the debt with Portfolio Recovery Associates. 

I demand to see proper Validation of this supposed Debt ( Signed Contract, Signatures ) or for it to be Deleted ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I was notified through my bank account alerts that {$1100.00} were taken away from Wells Fargo. I did not receive any notification beforehand letting me know what was going on. So I come to find out that 3 months back on XX/XX/XXXX I made a deposit for {$1100.00} well the bank proceeds to tell me that the check was double deposited XXXX on the XXXX of XXXX and another deposit on the XXXX of XXXX. I only made XXXX deposit on the XXXX of XXXX not XXXX. I deposited the check through the ATM so I don't know how I could have made XXXXXXXX deposits as they claimed. I have statements that reflect that only XXXX deposit from that month for {$1100.00} was made. The bank did not show me proof of this double deposit as they claim all they said was that's it that it was a double deposit and that's it. I want my {$1100.00} back that the bank took away from me. Why did it take them 3 months to do this if that was the case and why did they not inform me before they deducted {$1100.00} out of my account which I was overdrawn after that.

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 2021-12-15
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/2019 I made a deposit into my account and received a receipt showing me when my deposit will be made available on XX/XX/2019 no other legal verbiage was on the receipt that my deposit date would changed. I spoke to several representative and know seems to want to help or care to help. I have my receipts and all documentation to provide for further evidence.

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 2017-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX / XXXX /   17  Hi, my name is  XXXX   XXXX . My Capital one 360 checking account has failed to send  XXXX   ( App )  my updated copy of my bank statement. I am not able to recieve funds from the app without it being updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
i disputed inquiries with Transuion to remove my inquires. they never gotten back to me. i never applied for these inquires. They do not belong to me. I Called Transuion several times regarding these inquires. I keep getting transferred, and they both will not provide me with any confirmation numbers. i 'm really hope you can do this investigation to help me dispute these inquiries on my report! 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 2015-05-03
Company: ERC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had a contract with XXXX back 2013 and quit the contract 2013 and paid off all my debt, ever since then i never had anything again to do with XXXX, only for me to see this year a collection agent sent me a note of debt from XXXX, then am preparing for deployment which i am now on deployment, the collectors threatened to report it to credit report, as i check my credit report i notice a negative report from the collectors about a debt with XXXX. I never knew this collectors and am not owing XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of of the following accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX Balance Owed : {$210.00} XXXX XXXX Balance Owed : {$60.00} XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX Balance Owed : {$9600.00}

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 2016-07-14
Company: RGS Financial, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
RGS Financial are calling me nonstop to collect on a debt that i do not recall having with this company.I demand that they cease and desist all attempts to collect the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-17
Company: EQUIFAX, 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:
Listen EQUIFAX ... how many times do we have to continue to do this ... I have proven that I have been a victim of IDENTITY THEFT and have supplied all supporting documentation..so explain to me why this same account which was already deleted has found its way back onto my credit report! I have NEVER lived in XXXX, GEORGIA ... .I LIVE AT XXXX XXXX XXXX XXXX XXXX XXXX GEORIGA XXXX and have been there for 5 years, and prior to that I was at XXXX XXXX XXXX XXXX XXXX Georgia XXXX ... PLEASE ... .PLEASE ... PLEASE REMOVE THIS ACCOUNT IMMEDIATELY AND PERMANENTLY! 

XXXX XXXX XXXX # XXXX {$2000.00} THIS ACCOUNT IS FRAUDULENT, IT IS NOT MINE, IT DOES NOT BELONG TO ME, AND IT IS KILLING MY CREDIT RATING.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed XXXX {$1400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1400.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$500.00} XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX XXXX  XXXX XXXX Date XX/XX/XXXX XXXX XX/XX/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 2016-11-09
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I feel like I was discriminated by TD bank in XXXX XXXX NJ on XXXX. First of all I was told that I will pay no servicing fee for holding my account at TD bank as long as I hold a minimum of {$100.00} balance. I contacted TD bank and told them that it 's not fair that I have been paying approximately {$15.00} per month when in fact I had the minimum balance required. They told me they could only refund one month of servicing fees and that it is my problem, and they do n't have to pay me back. They also told me that I will not have to pay any servicing fees for my saving account which I have been paying about {$4.00} per month for a couple of years. I applied for a personal loan at TD bank a couple of weeks ago and I feel I was discriminated by the bank due to my national origin which is XXXX and due to my XXXX faith. I have a heavy XXXX accent, and I felt like I was mistreated. I was declined for a unsecured personal loan for the amount of {$10000.00}. However I contacted XXXX personal loan a couple of weeks later and I was approved for a {$10000.00} unsecured personal loan. 
I know that the bank has taken advantage of my situation by not crediting any of the fees and declining a loan that I should have been approved for because other lender would probably approve the loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-20
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I have a chime account online. I got Security codes stating use the code get into my account on XXXX. I called bank stating someone trying get into my account. Told me change password. I did on XX/XX/XXXX XX/XX/XXXX It happened again I called said same thing stated my stimulus check just came in can't do anything else said it dolly be fine change password. Someone hacked into my account changed my phone number to there's and sent two checks to themselves. XX/XX/XXXX XXXX XXXX for XXXX and XX/XX/XXXX XXXX XXXX for XXXX. I didn't have access to my phone when found this out called the bank.. stated that my account was suspended due to suspicious things. Person changed phone number back to mine XX/XX/XXXX. I was able to stop XXXX check the XXXX was cashed. Bank stated they can't help me cause was a check. Been waiting 3 weeks for information on the check supposed send me nothing. Each time I called got different answers. I filed a police report. Still not resolved. Still same things different answers each time. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Experian Information Solutions 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 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 2020-11-23
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This has happened twice with making AMEX payments using my XXXX electronic payments. 
My AMEX bill ( {$400.00} ) was due on XXXX XXXX. I scheduled the payment, as I have for many years, to arrive on XXXX XXXX. 
XXXX XXXX transaction register shows the payment being issued on XX/XX/XXXX and that AMEX received the payment on XX/XX/XXXX. AMEX did not post the payment until XX/XX/XXXX and applied a {$29.00} Late Fee to my AMEX account. 
AMEX refuses to accept the blame for the " Late '' payment and refuses to remove the late fee. 
Speaking with XXXX, I was told by their Senior Technical Specialist, that XXXX has been made aware that AMEX has a two-day processing process. This two-day processing is not mentioned on the AMEX payment notification. Because XXXX knows of this two-day process, XXXX moves it's transmission date back two days from the due date. In the case of my complaint, XXXX moved the transmission date two-days back from the XXXX and sent the payment on the XXXX. 
Because AMEX did not accept payment until the XXXX, it therefore took two days for them to process the transaction and posted on the XXXX causing the late fee. 
Proof of payment attached.

Company response to consumer: Closed with monetary relief