BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have banked with Fifth Third Bank for over 10 years. I have even worked for the company prior to taking a position that requires me to travel for business. I have had multiple issues with the bank whilst traveling and having access to my funds via my debt card I was told that I would always have issues unless there was a change to the address that would indicate that I would be in Texas, I agreed as I had several instances in which I had been denied the ability to pay for items at the point of sale. I called several times to discuss this with the bank and received POOR, UNCONCERNED AND UNPROFESSIONAL service. I spoke with no less than XXXX employees explaining myself over and over only to have my account address be one thing and the mailing address to be another. I had a bank product ( EAX ) removed from my account and was not notified at the time that the notation of my Texas address would preclude me from this account feature. I request that ALL calls made from XX/XX/2016 to XX/XX/2016 be pulled and listened to, as well as a copy of said calls be sent to me. I request that the EAX feature be added back to the account and that all managers and CSRs to whom I spoke be held responsible for lackluster, incompetent and rude service. Including XXXX, XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Paypal credit keeps trying to make me pay for credit I can't afford to pay because I am now on social security disability benefits. I do not make that much I only get paid monthly and my social security benefits can not be garnished. SSI can not be garnished by any creditor or debt collector.

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 2020-11-12
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX XXXX, 2020 FIDELITY CREDITORS SVC add a derogatory mark on my credit report per XXXX, XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ( Collection agency name ) has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I filed a dispute with XXXX and XXXX beginning XX/XX/XXXX. I mailed out dispute letters XX/XX/XXXX concerning a XXXX card debt, XXXX card debt and XXXX bank debt. I mailed out letters via certified mail but never received a response back from either XXXX or Experian. I called both companies earlier this month to ask about these accounts that are not mine and they told me over the phone that the accounts had been verified by the creditors. So I asked Experian why didn't receive a returned signature receipt from my certified letter or even a response letter about the dispute? They told me that they sent the update to my email on my Experian account. I told them I don't have a Experian account and I specifically requested that my response be sent via mail to my home address anyways. They still refused to send it out. I also spoke with XXXX and they said that it was verified and they don't know why the dispute response letter hadn't been sent out yet and that they would send it out in 3-5 days. So on XX/XX/XXXX I sent out another certified mail dispute to both XXXX and Experian and stiill have not gotten a return receipt signature from either company. After 10 days of return receipt signature this should be deemed a no response from both of these bureaus. I didn't have these issues with XXXX as they complied and removed all fraudulent accounts off their report. XXXX and Experian are not in compliance with XXXX as I also stated in my dispute letters. Their failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with these bureaus for the purpose of filing a complaint with the FTC should they continue in non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), they may be liable for their willful non-compliance. I have phone recordings and receipts of each certified letter sent out and I am hoping to solve this issue before I have to take further legal action.

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 2017-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
TransUnion removed unauthorized inquiries from my credit report only to turn around and put them back on when they had a glitch in the month of XX/XX/XXXX. I contacted them XX/XX/XXXX and explained that I was seeing these inquiries along with a collection and was told that it would be taken care of and removed. However, fast forward to today XX/XX/XXXX and only the collection has been removed and all the inquires dated from XX/XX/XXXX to XX/XX/XXXX ( XXXX ) total that were not authorized by me still remain. I called again and spoke with XXXX who stated that anyone can run my credit anytime they feel and the inquiries will stay for 2 yrs. He then transferred me to XXXX who is suppose to be a supervisor who stated the they never were removed and will remain regardless. Now I have been patient with them and tried to understand that all companies have computer issues at times but this is getting old. My inquiries were removed and they were suppose to stay removed. Not get put back just because your system had a glitch and then you never notified me that you were putting them back. It is my legal right to be notified before you just go and start putting things back on my credit file. I never received my 5 day notice to do such a thing so therefore TransUnion is in violation of my rights. These inquiries add a hardship to my life as I 'm trying to buy a house. I ask that you please make TransUnion be responsible and stop victimizing me along with others. As a resolution I request that TransUnion delete all of the said inquiries in question permanently from my credit report as a violation took place when they illegally added them back. Thanks for your time.

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 2021-07-23
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Credit acceptance has been reporting an account from the past as a current account. They are increasing my balance to this date every month for a vehicle I no longer have. The vehicle is at XXXX XXXX in XXXX PA XXXX. There is the phone number to validate this. The shop owner told me I can't have the vehicle because it belongs to credit acceptance. But credit acceptance is not releasing the vehicle to me!! This has been going on for years.. so here I am stuck with no vehicle. That I keep being charged for. This is illegal. If I am being charged I should have the truck!! But I can't get the truck. So which is it here. Give me the truck back if I still have an open account. They can't do both!! This is fraud. They have been found guilty years ago if fraudulent charges. Please help me here. I am also putting a picture of my report to show you my balance is being increased monthly for a vehicle that I don't have anymore that credit acceptance says I have. just call the shop yourself. They will verify all I have said in this letter. These people are crooks. This account should either be closed an placed as a charge off for a repossession or the vehicle should be returned to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Experian Information Solutions Inc.
State: CA
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 never signed a contract with XXXX XXXX XXXX They have failed to provided any debt validation on this account.

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 2020-01-27
Company: Experian Information Solutions Inc.
State: TN
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:
I mailed in dispute letters to the three credit agencies XXXX, XXXX, and Experian to have them make the necessary corrections to my credit reports. I mailed the dispute letters on XX/XX/2019 and I have not received a response from them yet.

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 2018-02-17
Company: Accelerated Financial Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Original Creditor sold " Charged off '' debt to another collection company and has " re-aged '' the debt with false info of when I started the account which is wrong. Original Debt to be cleared with Bankruptcy discharge

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I am writing to dispute a charge of {$560.00} to my Citi Credit card account on XX/XX/2021. The charge is in error because I was overcharged for a car rental. I have paperwork stating that I am to have the car rental from Saturday, XX/XX/2021, XXXX Sunday, XX/XX/202 XXXX and to be charged {$260.00} USD ( confirmation XXXX ). I was charged {$560.00} and for the dates of XX/XX/2021, to XX/XX/2021, which is two additional weeks that was not approved, nor was i even in the country for. This is a {$290.00} overcharge. 

The car rental was in another country XXXX XXXX XXXX XXXX, which unfortunately, I do not speak the native language. I showed my paperwork to the service desk and was under the impression that XXXX would be ethical, and I would not be taken advantage for being a XXXX  and be over charged for my rental. From what I could understood, verbally, I would get a deposit back. I have been trying to get this error fixed as I have contacted XXXX and Citi Credit Card. I have no issue of paying the {$260.00} ( which I have since paid off on my credit card ). 

I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. 
Enclosed are copies of my XXXX confirmation as well as receipts with the unauthorized return date of XXXX to help supporting my position and experience. Please help me to correct the error on my account. 

Sincerely, 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 2018-12-02
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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 HAVE BEEN A CITI CARD HOLDER SINCE XXXX. I PURCHASED THE CREDIT PROTECTOR FOR THIS ACCOUNT ALSO IN XXXX. I FILED A XXXX CLAIM XX/XX/XXXX. WHEN I FILED THE CLAIM MY STATEMENT BALANCE WAS {$9400.00}. ACCORDING TO CITI & CITI PAYMENT SAFEGUARD PROGRAM PAYMENTS WERE MADE TOTALING {$5100.00} FOR 24 MONTHS. AT THE END OF THE 24 MONTHS THE PROGRAM IS SUPPOSE TO CREDIT THE ENTIRE BALANCE IN FULL WHICH ACCORDING TO THEM IT WAS {$4300.00}. IF YOU ADD THOSE TWO TOGETHER, THEY DO EQUAL WHAT MY STATEMENT BALANCE WAS {$9400.00}. I RECEIVED A STATEMENT FROM CITI XX/XX/XXXX STATING I STILL OWED A BALANCE OF {$2400.00}. ACCORDING TO CITI PAYMENT SAFEGUARD PROGRAM MY STATEMENT BALANCE DATED XX/XX/XXXX WAS {$4300.00} AND THAT'S WHAT THEY PAID. THIS WAS NOT TRUE. A REPRESENTATIVE TOLD ME MY BALANCE ON XX/XX/XXXX WAS {$6900.00}. I'VE REACHED OUT TO BOTH COMPANIES AND THEY CAN'T GIVE ME AN ANSWER AS TO WHERE THIS EXTRA {$2400.00} CAME FROM OR WHY IT WASN'T PAID IN FULL. BOTH COMPANIES BLAME THE OTHER. MY HUSBAND AND I AFTER YEARS HAVE JUST FINALLY GOTTEN OUR CREDIT IN GOOD STANDINGS BECAUSE OF HIS ILLNESS IN XX/XX/XXXX AND NOW IT'S GOING TO BE RUIN AGAIN. I DON'T FEEL I SHOULD HAVE TO PAY THEM BECAUSE I PAID DEARLY FOR ALL THOSE YEARS FOR THIS PROGRAM.

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 2017-07-25
Company: Receivable Solutions, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt of {$1000.00} was paid between with 2016 tax return. I received a letter in the mail that it would be taken out of my return. When I received the return it had the money taken out. This debt has been paid

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: JPMORGAN CHASE & CO.
State: IL
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:
XX/XX/2018 I received a credit card in the mail from Chase Bank with an {$11000.00} limit. I immediately called Chase to explain I did not apply for any credit card and this account needs to be immediately cancelled. Upon giving the agent the card number I was confronted with the question " what is your password and your mother 's maiden name? '' Since I did not have an account, there was no password and what did my mother 's maiden name have to do with anything? Eventually this agent transferred me to a fraud agent, But before doing so mentioned to another agent that " she forgot she applied for a card. '' I was then transferred to XXXX XXXX who described herself as a fraud officer. She then continued with the questions instead of assurances of a closed account. One of the questions was what is my address, I countered with she already had that information. Eventually she did tell me the account was closed, but did tell me the card was " compromised. '' I asked for more detail, but she was not forthcoming with any information. She explained that I would receive information in the mail and gave me the assignment of calling XXXX to report a fraud. The entire call process took about 30 minutes. An unwanted credit card phone call should not take that long. 

The Truth in Lending Act states " no credit card shall be issued except in response to a request or application. '' I can assure you that I have not applied for any credit card. My only interaction with Chase Bank was to close my brother 's Chase account in XXXX after his passing and cancel his credit/debit card. I would hope that the report of a death in the family to Chase is not considered an application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-02
Company: The Receivable Management Services LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX and their collection agency, RMS, have sent multiple demands for repayment of monies properly paid to us for consumer healthcare services. They have ignored our multiple written demands that they validate this debt and explain why they think payment is owed. Please see the attached document, which is my most recent letter as well as previous correspondence. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
To Whom It May Concern : I sent a complaint on XX/XX/2022 VIA CFPB PORTAL and I have been calling multiple times to have these accounts removed due to identity theft and fraud, and i already sent your company police report and ftc report numbers!! and I noticed my dispute was cancelled and restarted on behalf of YOUR COMPANY TRANSUNION AND THEN TRY TO COVER IT UP BY RESTARTING MY CASE ALL OVER AGAIN, NOW WHEN I CHECK ONLINE I HAVE A COMPLETELY DIFFERENT DISPUTE ESTIMATED COMPLETION DATE, THIS IS NOT TOLERABLE AND ILLEGAL, this case dispute you keep pushing the dates back, NOW YOU ARE SAYING OVER THE PHONE WHEN I CALL YOU NEVER GOT MY SUPPORTING DOCUMENTS PROVING THAT THESE ACCOUNTS ARE ON MY CREDIT REPORT DUE TO IDENTITY THEFT AND FRAUD. I sent a complaint on XX/XX/2022!! 

These accounts listed below need to be deleted/removed from my credit report IMMEDIATELY FROM MY TRANSUNION CREDIT REPORT!, XXXX HAS XXXX REMOVED THESE ACCOUNTS, WHY IS YOUR COMPANY STALLING AND DISRUPTING MY LIFE!?. 

I WILL ATTACH THESE DOCUMENTS AGAIN FOR THE FINAL TIME SUPPORTING MY CASE!!! 

THESE ACCOUNTS LISTED BELOW ARE NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC REPORT NUMBER : XXXX - FTC REPORT NUMBER : XXXX THE POLICE REPORT # : XXXX I DEMAND THESE ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. 



Collection Account : XXXX XXXX Account Number : xxxxxxxxxxxx XXXX delete it from my credit report. 

Collection Account : XXXXXXXX XXXX Account Number : xxxxxxxxxxxx XXXX delete it from my credit report. 


Collection Account : XXXX XXXX XXXX Account Number : XXXX delete it from my credit report. 


Collection Account : XXXX XXXX XXXX Account Number : XXXX delete it from my credit report. 

Collection Account : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX delete it from my credit report. 

Collection Account : XXXXXXXX XXXX XXXX Account Number : XXXX delete it from my credit report. 

I WILL ATTACH THESE DOCUMENTS AGAIN FOR THE FINAL TIME SUPPORTING MY CASE!!! 




Thank you for your time and help in this matter. Sincerely, 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 non-monetary relief