BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have filed numerous disputes advising the credit bureau that the public records listed on my credit report are not mine and is from identity theft. 

I have been advised that they have investigated but will not provide me the person name they spoke with to verify. 

Ive provided police reports, identity theft reports and documents from the courts to support that they have not been contacted to verify this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I contacted the credit reporting agencies to obtain a copy of my credit reports and when I received them, I seen the reports were filled with inquiries and accounts that were either charged off or in collection under my name. I contacted these companies an informed them these accounts had to be in error because I have no knowledge of them I requested the companies provide me with documentation of the original contracts with dates & both parties ( my Signature as well as the Companies ) signature on the documentation they could do no such thing. I also have tried disputing these inaccuracies through the credit bureaus, they have done nothing besides ignore me the companies have not provided me with any proof of contracts/documentations or anything, but instead the credit bureaus continues to report these accounts as accurate I really need my information reported correctly and the credit bureau should not be allowed to report this in accurate information to other parties it is outright slander. 


Promptly delete the inaccuracies from my report and be sure that I am the person openings these accounts that are associated with my name for goodness sake I have never lived at these addresses

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 2020-06-22
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/2020,, Cont Issues, Yes I Received ( 2 ) Letters,, Explaining The,, Unathorized Bank Account Settlement Claim Website,, Went To That Website, Too Many Times And Got The Same Response,, The Amotated Machine Said They Where,, Very High Call Volume And Put Me On Hold For About,, 5mins And Then Hang Up Repeatly, So I Just Stop Calling,, This Was Very Frustrated,,,, And I Called Again On,,XX/XX/2020,, Same Response,, Call AOn,,

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 2018-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
After reviewing my credit report I noticed a late payment status dated 3.5 years ago on my XXXX XXXX XXXX XXXX. This is NOT correct. I have never been late on my payments ever.

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 2021-09-23
Company: Servatus Corporation
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
account was open with out my perimission, victim of fraud

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 2017-10-11
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My direct XXXX and XXXX federal student loan was consolidated without my consent on XXXX/XXXX/XXXX. I never request the loan to be consolidated. My studentloans.gov account has no documentation of a loan consolidation on that date. My loans were not in repayment on that date as I graduated on XXXX XXXX so I would not have requested a consolidation 4 months after graduating. I have tried to talk to the servicer that I never requested the consolidation but they insist I did that is why my loan was sent over to navient. I was told that my loan was being serviced by Navient but with no reason. I need this situation fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions 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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX- XXXX XXXX - XXXX 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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 a account without my written instructions. 


In accordance with the Fair Credit Reporting act XXXX XXXX # 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 a account without my written instructions. 


In accordance with the Fair Credit Reporting act XXXX XXXX # 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 a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-21
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My PayPal Mastercard via Synchrony Bank was canceled without notice.

User Agreement " You will be notified of any change in the manner provided by applicable law prior to the effective date of the change. However, if the change is made for security purposes, we can implement such change without prior notice. '' I was told that two returned payments were the reason for the canceling of my card for the amounts of {$100.00} and {$100.00} in late XXXX. The amount was readjusted for XXXX, and my account still active. I posted a payment of {$1000.00} on XX/XX/2019 and the amount posted to the account on XX/XX/2019. 

I continued to use the card WITHOUT knowledge of its apparent imminent cancelation for a remaining balance of approx. {$850.00} which will now accumulate interest until payment without my full access to the card.

PayPal/ Synchrony did not notify me prior to an imminent cancelation as stated by law and their own User Agreement. Since I was never notified of any transaction being deemed " Suspicious '' PayPal/Synchrony has no basis to cancel my account without notifying me prior.

A customer service call to a representative of PayPal claims to have also spoken to a Synchrony representative while I was on hold on XX/XX/2019 at approximately XXXX XXXX. I was told the account could not be reopened. The representative spoke to a supervisor ( upon her own accord ) who also told her it was not possible to reopen the account. 

This comes at a very bad time for me and has/will cause undue financial stress. I also was denied the 2 % cashback reward for all purchases while my card was active. This is the primary reason I used the PayPal Mastercard instead of my Debit Card. I've been misled and had an illegal action taken against me due to the lack of notification.

PayPal/ Synchrony made no effort to rectify any of the aforementioned issues.

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 2017-06-27
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I became aware that I was a victim of identity theft on XXXX. Fortunately, no damage was done to my credit aside from hard inquiries related to multiple declined credit card applications. I used XXXX XXXX XXXX.XXXX to pull my reports and upon answering personal identifying questions I was able to pull both my XXXX and XXXX reports. However, none of the security questions that Equifax used were remotely close to my background. I tried multiple times and became alarmed when some of the questions were related to new mortgage accounts. Panic stricken, I called equifax and they told me I would need to pay {$12.00} to look at my report. After I paid they told me over the phone that I had no new accounts. How dare they feed off of my vulnerability and panic for their own financial gain. A XXXX  search confirmed that this seems to be a common business practice for them and it is highly unethical. Scare people into calling and then sell them goods and services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I applied for an Amex XXXX XXXX on or about XX/XX/21. It was my understanding that I was applying for a XXXX XXXX XXXX Amex card. I wanted to collect travel miles and get access to business lounges in airports. The annual fee was advertised to be XXXX When I tried to link my new amex card to my XXXX account, it wouldn't link. And when I checked billing on the account I had a charge of XXXX for the annual fee. 

I feel like the company may have taken the opportunity to upsell me online. I tried to explain this to the company and get them to switch cards. I'm really unhappy with this situation as I am oversold and not even able to even share all the benefits with my extra card member. 

I would like help convincing the company to let me have the card I thought I was applying for. They have so many different financial instruments that it can be really confusing and I feel they are using the confusion they are generating to take advantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
My ex-wife and I received 3 checks from the IRS in the amounts of {$300.00} ( dated XX/XX/XXXX ), {$300.00} ( dated XX/XX/XXXX ), and {$4200.00} ( dated XX/XX/XXXX ). The checks were written to us both as payees as follows : XXXX XXXX. & XXXX XXXX XXXX remotely deposited the {$300.00} check dated XX/XX/XXXX into her personal, sole account with Chase Bank ( account ending in XXXX ) on XX/XX/XXXX without my knowledge, without my endorsement, and without my consent. I filed a police report for theft, and the police determined it to in fact be theft. 

I believe the other two checks, in the amounts of {$300.00} ( dated XX/XX/XXXX ) and {$4200.00} ( XX/XX/XXXX ), both also from the IRS, were deposited in the same manner in the same account. They were never endorsed by me, nor did she have my permission to deposit them. I do not have access to this account.I have filed a police report for those checks as well, which is still open.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Capio Partners, LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Nearly XXXX years ago, while I was employed and insured by XXXX, I went to XXXX XXXX ER for food poisoning. I was never contacted about an unpaid bill. Only recently did I learn of an outstanding bill. This bill should have been the responsibility of my employer, as I had full medical coverage. I 'm no longer employed with XXXX, I was unaware of this debt, and it is now negatively effecting my credit. Had I been aware of the unpaid bill, it would have been paid years ago and my credit would not be suffering negative impacts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-17
Company: CONTRACT CALLERS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
letter send by debt collector the age of bebt i can not be sued. I want proof of contract and validity of this debt.Verify everything that i owe this debt to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
CITI CARDS/CITIBANK Address XXXX XXXX XXXX XXXX XXXX SD XXXX Phone number ( XXXX ) XXXX I submitted application through XXXX XXXX and was advised that inquiry would be a soft inquiry ; however after checking my report through XXXX it shows as hard inquiry and point dropped as a result. I reached out to XXXX who advised me to reach out to XXXX XXXX who advise me to reach out to bank directly and no one was able to assist. 

Inquiry happened on XX/XX/2022

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 2017-10-18
Company: The CBE Group, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I used to have a XXXX account, and I left XXXX because my bills were always over XXXX a month just for XXXX phone lines. XXXX XXXX, XXXX I went o XXXX and signed up with XXXX. I understood I had a balance due with XXXX and I tried many time to make arrangements with XXXX to continue t pay XXXX a month until this bill is paid off because as of now that is all I could afford. XXXX itself kept not corporating with me, and on XXXX XXXX, I started receiving calls from a XXXX person saying they are a partner with XXXX and want to collect a debt, I explained my situation to them explaining I am not working right now I am recoving from a XXXX and I can XXXX  between XXXX and XXXX a moth. they said if I want to return to XXXX I had to pa XXXX a month, I explained to them again, I can not XXXX this so I will not be returning to XXXX. the person I spoke with was XXXX who said she can set up arrangements and on XXXX XXXX, I paid XXXX to the XXXX PARTNERS OF XXXX. today, XXXX, I received a call from a gentleman from XXXX stating I had to make payments of XXXX. I said I had arrangements set up for the XXXX of every month to pa XXXX or XXXX he said well those are no longer good arrangements and I am only going to accept XXXX or more with new arrangements. that is against the law and I am not going to keep being harassed every day 5 times a day by this company. if I continue to stay under stress the next XXXX will kill me my doctor said. and it is very easy now for me to have another XXXX since I just had XXXX. I thought it was against the law for a company to do this to a consumer. I thought as long as a consumer makes payments a company can not do anything to them or put nasty negative things on their credit report. I want this matter handled immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: Experian Information Solutions Inc.
State: NY
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:
After reviewing my credit report I noticed a late payment status dated 3.5 years ago on my XXXX XXXX XXXX XXXX. This is NOT correct. I have never been late on my payments ever.

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 2017-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I would like to add to my Complaint # XXXX regarding Bank of America. I was contacted immediately from the bank regarding my first complaint and I was assigned a rep that would help me with my modification. I was told that I needed to resend my Husbands payroll records which I sent to them. I received a call from another person at the bank that my modification was again denied because they could not read my Husbands payroll records therefore they were only using my income. This is ridiculous, instead of denying me they should have called and asked me to resend it. I am so sick and tired of dealing with Bank Of America.

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 2017-07-12
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My XXXX Credit report shows ERC placed a collection account on my credit file. I am requesting debt validation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
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:
In accordance with the fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX 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 a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13
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:
I was recently incarcerated, so when I got out I made it a priority of mines to fix my credit. Once I obtained my report, I noticed inquiries dating back to a year that I was unfamiliar with. I reached out to Transunion and the other reporters and was told to file a report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2017-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
CAPITAL ONE ONCE AGAIN FAILED TO RE-INSERT BOTH ACCOUNTS ONTO XXXX. BECAUSE OF THIS WE HAVE TO CLOSE ALL ACCOUNT, AND FILE CHAPTER XXXX BANKRUPTCY NEXTWEEK.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Experian Information Solutions 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:
Awhile back I lost my wallet with all my personal information inside. I did not think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious 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