BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-07
Company: Experian Information Solutions Inc.
State: WA
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 am victim of identity theft and I have tried to contact Experian about this 3 fraudulent account that were open in my name without my authorization and are do to identity theft. ( XXXX  XXXX, XXXX XXXX, and XXXX  card ) three accounts. I provide them with a copy of my police report as well as written statement and still didnt remove or block those fraudulent account. Also my name and address are incorrect thats on my credit report. Which I advised them of that issue but they have yet to correct. I dont live in XXXX, hi and my name is XXXX. I told them numerous of times to fix this issue. They are violating my rights and fcra rights 605b. They also need to hire better representative to do their job better and to protect their customers accounts. They failed to do so.

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 2020-06-21
Company: CITIBANK, N.A.
State: RI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I ordered an item online for a friend from homedepot.com which was either stolen or otherwise lost when delivered. I contacted Homedepot.com, Homedepot Citi Credit Card Services and XXXX XXXX to help me resolve the issue and they all have refused to refund or replace the item that they were responsible for. All theyve done is open investigation cases which were bias. XXXX  XXXX  had either left the item at the front door of a busy street causing it to be stolen or delivered it to the wrong address and refuse to take responsibility for it. Homedepot Citi Credit Card Services and  Homedepot.com are still charging me for an item I never received and have even called me a thief on paper, which is clear that they didnt do any real investigation.

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 2020-06-21
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I signed up for the payment assistance through Chase and was told that there wouldn't be any fees or interest on the account during this time. When I looked at my statements I see that they have been charging interest these past 3 months. I called and offered to pay off the account and was told they wouldn't remove the interest. I believe they are giving false information to clients and then sticking them with high interest fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: KS
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 do not recognize these inquires nor did i approve them. I was not told about hard inquires not was i told my credit would be pulled XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I placed a freeze on my report in XXXX with Equifax. I was assured no new accounts could be opened in my name. Instead they allowed a closed account to be reopened and information updated that was previously reported as closed from five years ago. 

In regards to both Equifax and XXXX when I submit a dispute sometimes they rule in my favor and remove the account sometimes they dont but will not provide proof that accounts belong to me instead have requested I file a police report and submit proof that they dont belong to me. If they can not provide proof and refuse to show proof that the account is mine the account should be removed. Instead they allow companies to state a person owes them money without any proof and even if it is disputed and removed they allow the debt collection companies to resell consumers private information that cant even be verified as theres only to allow the debt collection company to put a new account on a report. There solution is to freeze a consumers credit report but this prevents a consumer from using credit at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have contacted not only the debt collection agency, but the original creditor. I paid  XXXX  payday loans directly to speedy cash, yet they were sold off to the collection agency without first contacting me. I paid the debt in person and per their request sent in the proof.  XXXX  at  XXXX   XXXX  informed me they do not see  XXXX  accounts yet that is what they are reporting. I repeated myself and asked him if the call is being recorded due to the discrepancies, in which he said yes. I informed him I will use the information for verification which he did n't reject. The call took place on  XXXX / XXXX / 2017 . In addition I ha ve asked them to only contact me via usps mail and they do not follow.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/21. someone takes money out tht wasnt me the. im flat broke XXXX dollars then my bank changes my account numbers XXXX they basically freeze mu account to deposit only because they said they was just giving my money out then XX/XX/21 they applied for sum credit or loan

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
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:
My information was compromised and used to obtain unauthorized credit card accounts with XXXX  XXXX XXXX for {$2800.00} and XXXX  XXXX XXXX  for {$1400.00} which was never paid and caused my credit to take a huge hit and its affecting my ability to purchase a home for my family.

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 2022-04-28
Company: Convergent Resources, 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:
In XX/XX/2022, XXXX  account # XXXX violated my rights.

15USC 1681 sec 602 A states I have the right to privacy. 15 USC 1681 sec 604 sec 2 also states a consumer reporting agency can not furnish a account without my written instructions.

A bill without a written signature is not a validation and a violation of my rights. Accord ding to the FCRA MY RIGHTS HAVE BEEN VIOLATED!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Maximus Education, LLC dba Aidvantage
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have requested a {$20000.00} refund on my student loans through Aidvantage on XX/XX/28 and still have not received confirmation of my refund. The company can not provide a timeline of when I will be receiving my refunded money as of XXXX. My account on Aidvantage and XXXX XXXX still have a zero balance listed. 

I look forward to hearing how we can resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 2020-04-22
Company: General Motors Financial Company, Inc.
State: NY
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: Problem with personal statement of dispute

Complaint:
I have been in contact with GM Financial about removing a credit remark on my report from XX/XX/19. This was an error due to their company 's app set up of the auto pay being difficult and confusing to navigate for customers. They refuse to remove the remark, even though they have the ability and authority to do so. I was never late in over 20 years of being a loyal paying customer. And I was not late by that much either. I am trying to secure a new loan during this difficult financial time and they are not being flexible or compassionate. I would like to some assistance with this matter and would like to file an official complaint about GM Financial in regards to this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: EQUIFAX, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
Hi XXXX has a 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 710XXXX XXXX has me at a score around 592. 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 XXXX 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 meXX/XX/XXXXand stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
ON XXX-17 a charge for XXXX was billed to my debit card for XXXX, I do not have XXXX, I have been on hold with BOA for 33 minutes to dispute this. I can not dispute it online, have to call. I need your 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 monetary relief
Consumer complaint received 2019-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Upon Review my credit files, it showed a Collection from XXXX in the amount of {$210.00} reappear in my credit files which have already been settled in the past. This account was mistakenly reported by XXXX and I have reached out to settled with the creditor. I have no association with XXXX XXXX as I am a customer with 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 2019-12-13
Company: EQUIFAX, INC.
State: MN
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: Other problem getting your report or credit score

Complaint:
Equifax refuses to let me manage my own information. I have submitted disputes that were approved and had accounts fall off of my account. At a later time they have added these accounts back to my credit report after found to be fraudulent/and or following policies that are against the law. 

Now they have stated they have a system issue which has been ongoing for 7 months which is there excuse for why I can not login to myequifax. I have been told this about a half a dozen times and promised they would fix this and make it right. 

They have repeatedly made promises to me that have been nothing but lies such as when accounts were to fall off my credit report, ( stated automatically after 10 years an account would fall off, I have accounts over 11 years old they refuse to remove ), and have since PROMISED they would get the issue fixed as to why I can not login and submit disputes via my equifax. 

I do not think it is right for a company like equifax to manage a file on someone that they have no control over. There stance is if I don't like information they have on file for me to take it up with the company reporting to them. It's my life and should be mine to manage, not a credit reporting agency who profits over doing nothing but causing headache and pain for consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt that was owed by Portfolio Recovery Associates is still being reported on my credit report by all XXXX credit reporting agencies. All debts have been paid and were supposed to be deleted from the credit reporting agencies. I am attaching proof from portfolio recovery that the letter in the mail states that all items should be deleted but have not been.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Made numerous contacts to  Trans Union  about this  XXXX   XXXX  account and submitted actual billing from this agency listing the  XXXX   XXXX   XXXX   XXXX   XXXX  as the primary payer of this account. I submitted numerous requests with proof that the bill was not mine and to no avail. I spoke with  Trans Union tod ay and my latest disputes were not listed and the most recent was   XXXX   ( cancelled  )  and redisputed in  XXXX . I submitted documents to Tamaya from special department on   XXXX   XXXX   to a wrong fax number and later sent to main  Trans Union  fax in attention to the Special Dept attn :  XXXX  : According to a  Manager at Trans Union  there are no records of these documents " ever '' been submitted. I can provide proof as far back as the last 2 years! According to  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  did not submit proper billing information to be paid. In  XXXX  I attempted  XXXX  between the  XXXX  companies when I was " somewhat '' mentally stable and it got to the point where the representatives were becoming frustrated and rude stating that I would have to pay the bill. I did not regain full mental competence until   XXXX   and tried to reach out to the company in which they refused to follow through with  XXXX  to receive payment. I do not owe this bill and believe that  XXXX   XXXX  should have removed these amount  ( s  ) from my credit reports since I would not have been able to " competently sign '' any agreements due to my mental states

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 2019-12-14
Company: BB&T CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
For my old BB & T account XXXX, every month between the XXXX and XXXX there was a charge around $ 2,600- {$2700.00} from XXXX XXXX or XXXX XXXX. This was every month my account was open. I never authorized any of these ACHs and would like each one to be refunded/charged back.

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: EQUIFAX, INC.
State: CA
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 response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened an  HSBC  account checking account in  XXXX ,  XXXX  when  HSBC  had a promotion of {$350.00} for opening a new banking account with it. I received my bonus on  XX/XX/XXXX  after I fulfilled all requirements. However, I never received the IRS  XXXX  in  XXXX   XXXX   XXXX   when bank was supposed to provide to customers by  XXXX . Customer service representative informed customers that HSBC wo n't sent out until  XX/XX/XXXX      Surprisingly,  HSBC  sent out the IRS  XXXX  form on   XXXX   XXXX   XXXX   with a letter admitting their mistake and oversight. They further offered customers the reimbursement of any cost of amending tax return filing.     On  XX/XX/XXXX , when I called the customer care number on the letter after I refiled my tax return. The first rep was not aware of this issue, and put me on hold while contacting her supervisor. The phone call was dropped after 37 min of hold. I called back immediately, and another rep answered and said she knew the issue. But she said there was nothing she can do and hang me up without any hesitance.     The whole issue was caused by the " oversight '' mistake from HSBC side, and it sent out an apology letter and offered some assistance. However, its customer care reps instead of helping customers out as indicated in the letter but treating customers unprofessionally, and refused to honor its own company 's notice to help. Based on customers 's comment online including but not limited to blogs, social networks, what happened to me was quite ubiquitous.This is not acceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-21
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2018 I paid a collection count in Full with Conns Home plus LLC They started stating on my credit report did not pay account in full I made a settlement offer. I filed a complaint with the XXXX  they rectified the situation and sent me a copy of my contract stamped paid full. Recently I noticed they are once again reporting settled for less than {$2000.00} of what I paid {$3100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-13
Company: EQUIFAX, 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:
My information was compromised and used to obtain unauthorized credit card accounts with XXXX  XXXX XXXX for {$2800.00} and XXXX XXXX XXXX for {$1400.00} which was never paid and caused my credit to take a huge hit and its affecting my ability to purchase a home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The debt collector didnt send me a letter, didnt give me the chance to communicate nor negotiate and kept reporting me for the amount I paid, its is not loan nor a debt. I already paid the school what I owe them and they keep Harassing me over the phone. 
I have attached the payment confirmation from the school back in 2020

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