BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to formally attest that I am a victim of commercial trafficking in persons, as defined under section 605C of the Fair Credit Reporting Act ( FCRA ).

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 2023-12-11
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit 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 purchased 3 XXXX XXXX XXXX XXXX  from a vendor named XXXX. Because these items arrived too late, I requested for the items to be returned for a full refund. The vendor informed me that I would need to take care of the return by myself. 

I purchased a UPS return label with tracking number XXXX and shipped the items back to vendor. Tracking clearly shows that the items were successfully returned to the vendor. Despite that, the vendor claims that he has not received the merchandise and refused to refund me for the return, which I've made according to their policy. 

I've opened dispute XXXX with Amex but have been unable to get an Amex rep that actually understands the case and evidence and supports me on this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: CITIBANK, N.A.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This complaint is related to XXXX and XXXX. The company states that they have closed my Citi Double Cash Mastercard and because it had been inactive, it was closed. I have never had a Citi Double Cash Mastercard.This response is totally fraudentlent, and I am requesting that my credit be restored. Additionaly, I demand {$5000.00} in damages, should fraudulent situation end up in superior court here in XXXX, It will beten times larger. I had consistely been inundated with mailers to sign-up for a City Simplicity Mastercard. When the mailers became excessive, that is when I signed up for this card on-line. I believe that my comnplaint is strong and I will be victorious.

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 2023-12-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no knowledge of this account listed as XXXX XXXX XXXX XXXX I requested information on account ownership from both the credit bureaus directly and received no response. The credit bureaus simply told me they verified the information but never provided me with that information directly when I requested it. I need a signed loan contract or agreement showing I own 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 2023-12-11
Company: T.S. Holdings
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:
Consumer Financial Protection Bureau Subject : Dispute of Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to dispute an account that appears on my credit report, which I believe to be inaccurately associated with my name. The account in question is with I.Q DATA IN, and the account number is XXXX I have reviewed my credit report and have confirmed that I do not have any affiliation or association with the mentioned account. This account is not mine, and I am concerned about the potential impact it XXXX have on my credit history. 

I have dispute with the XXXX CREDIT BUREAUS, on XX/XX/XXXX, through XXXX XXXX have recently sent in where my credit file was stolen with police reports. I kindly request that Consumer Financial Protection Bureau investigate this matter and work to correct the inaccurate reporting promptly. 

I appreciate your prompt attention to this issue and your assistance in resolving this dispute and removing this matter off my credit report. Please feel free to contact me if additional information is required. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: MOHELA
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/23 I called XXXX and the representative XXXX instructed me on how to access my credit report online. 
After accessing my credit report I saw some inaccurate information. I saw that an unbeknownst company name Mohela on my credit report. On top of that I noticed that this company was reporting that I owe {$60000.00} ; upon further review I noticed that the amount payment monthly is reporting XXXX dollars. How can I owe a company {$60000.00} in balance, but nothing monthly? Thats an oxymoron. After making the representative aware of the inaccuracy, he proceeded to tell me that the item needed to be disputed. However, under federal law, if a company is reporting an accurate information XXXX can be monetarily liable for this violation to consumer rights. Also, upon viewing my credit report, I noticed that XXXX is reporting late payments. Under federal law, a credit account can not be associated as being late. I asked the representative if he is familiar with consumer law and the fines for violating those laws, and he continued to tell me that the account is under dispute already, and can not be further disputed. I will be looking for monetary compensation for the time that my credit profile has been compromised. I have already report to ftc.gov as fraudulent use of my credit report. These credit accounts and the Credit reporting agencies have violated consumer rights in a way that damaged my reputation and credit score for over a number of two years. Loss of Privacy : Violations of consumer privacy, such as the unauthorized data collection, breaches of use of personal information for purposes of deceptive practices. Time and Effort : The time and effort required to resolve issues related to consumer rights violations was a significant inconvenience and injury to the consumer. Opportunity Costs : I the consumer missed out on better deals and opportunities due to unfair practices

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
MCM or Midland Credit Management calls repeatedly, harassing me about this collection debt. Multiple times a day from multiple phone numbers using auto dialers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: Specialized Loan Servicing Holdings LLC
State: MS
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Attempted to pay my payment online on XXXX XXXXXXXX XXXX. Payment would not go thru - said payment type not accepted and the amount appeared that i had not paid XXXX bill Tried again this am to pay online - same troubles - payment type not accepted ( debit card ). Since there was no warning at all that debit cards were not accepted - called SLS- the holder of the loan Called and 1st agent could not explain so I was transferred to XXXX in the XXXX section - he stated that the XXXX of XXXX was applied and the new payment was due XXXX XXXX ( with a 15 day grace period ) and the new payment included the XXXX of XXXX payment, which is not yet due. XXXX was unable to properly explain why a payment that was not due was due and it was not stated anywhere on the payment form. XXXX did not accept that a debit card is the same as a check and was attached to a checking account- they apparently want a checking account number in lieu of a debit card. I relinquish significant protections by not using a VISA number. I spoke harshly to XXXX about his not knowing a debit card is the same as a check i.e. a bank account number and was promtly hung up on 1 ) My XXXX payment was not correctly added to the current billing statement and made it appear that i was in arrears 2 ) The amount due was not properly reported in a manner that was understood by a typical user 3 ) A payment using a debit card is useable if over the phone but not if paying online with no notification of that fact 4 ) A demand of payment should be what is typically acceptable and not demand of a {$7.00} or {$12.00} charge to speak with an agent 5 ) Payments in advance should be clearly stated and not be demanded unless new terms are signed 6 ) This company has run me over the coals and i will no longer accept shoddy service

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 2023-12-11
Company: LEXISNEXIS
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX, XXXX, XXXX and Lexis Nexis Is reporting a bankruptcy on my credit report and they have put in the data furnisher as the US BANKRUPTCY COURT FOR THE XXXX XXXX OF MICHIGAN of which is false. I have attached a letter from the Bankruptcy court of verifying and stating that they do not furnish information over to the credit bureaus or any credit monitoring service nor do they verify validate any information concerning bankruptcies. XXXX, XXXX, XXXX and Lexis Nexis Is falsely stating on my credit report and have yet to remove this from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
one day i open my chase app, it was suddenly unlock and I was unable to login in. I called chase and they said they will close my account for no reason, I went to branch and check what happened, they said they do know. but they will give me my remaining balance in next 10 days, but it has been three week I still have not received my check

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: KEYCORP
State: ME
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
We have an automated.ACH transfer from XXXX XXXX XXXX to Key Bank for 4 years they have lost XX/XX/23 's payment ... XXXX assures it went thru and processed right and Key Bank denies it yet our checking account has had the money taken for the payment of {$680.00}. We have gotten the run around from Key Bank for 2 business days.. Both banks have made us do the toe to toe fighting. MEANWHILE I feel they lost, stole, miss handled or embezzled our money..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 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 2023-12-11
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting 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:
On XX/XX/ " CBNA '' has furnished a hard inquiry on my XXXX credit report. 
I first sought out to resolve the issue with the " CBNA '', but there is no information on the company to ask for information. 
From my recollection, I have received no " firm offer of credit or insurance '' from the company listed on the dates listed nor since the dates listed nor before.

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 2023-12-11
Company: LEXISNEXIS
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Hello, Multiple attempts have been made to clear my credit report from third party reporting agencies that I have not, nor had any prior business with. The report keeps coming back as verified and no solutions to my complaints. My fair consumer rights have been impacted as a result of false information, non privy information and outdated information. XXXX has neglected to correct my information shared with the public

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX XXXX indicates that XXXX XXXX and Experian are reporting inaccurate and incorrect items on my credit account. 

After me successfully removing these items the 3 credit bureaus continue to add more incorrect items/accounts on my credit file which does not belong to me. 

I XXXX XXXX XXXX indicates that this problem has been occuring for the past 4 and plus years. I XXXX XXXX XXXX indicates that after me successfully disputing these items with 3 reporting agencies inaccurate items that the accounts somehow reappear and other incorrect items/ accounts are open in my name. 

I also state that the 3 reporting agencies make me wait again after I successfully disputed these items.

I ask that you Please reach out to me if you may have any questions or concerns in regards to Serious federal Consumer fraud I ask that you Please see attachment below please and Thank you, Thank you, Best and kind regards XXXX ( XXXX ) XXXX XXXX XXXX and subsidiary violated the FCRA by failing to remove inaccurate or incomplete eviction records from consumer reports, harming ability of people to obtain housing

Company response to consumer: In progress
Consumer complaint received 2023-12-12
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit reporting 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 reviewed my credit report XXXX and was in complete shock with multiple duplicate inquiries I seen negatively impacting my credit and without consent. All on my XXXX credit report I have NEVER heard of a company called : XXXX. XXXX  XXXX XXXX XXXX that appears on my XXXX Credit report XXXX XXXX. TD Auto Finance inquiries XXXX The below listed company did XXXX inquiries on my credit report which is excessive. XXXX XXXX  XXXX, and XXXX. XXXX inquiry for an approval should be suffice, not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
My wallet was stolen at a Mall in XX/XX/2014and was never found and the thief has used my information numerous times!!!

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 2021-04-22
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They are trying to say I have two accounts that I owe on for XXXX and I don't. They hit my credit report twice with two different account numbers. I've wrote letters and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Back on XX/XX/2022 i did a complaint showing that the credit reporting was showing that i was late on my loan and i was not. My loan processing company has sent them over countless letters stating there not reporting that i was on a covid forbearance till XX/XX/XXXX of XXXX from XXXX XXXX its showing that im late on my payment from XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX XXXX XXXX which is incorrect. The balance on my loan is incorrect. I have attached the covid letter.

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 2023-12-17
Company: GOLDMAN SACHS BANK USA
State: MN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I started a subscription with merchant XXXX  XXXX. After the first charge of XXXX, XX/XX/23, I rotated the credit card number. I thought that XXXX  XXXX would not know my new number with the Apple credit card. 

I was charged again XX/XX/23 for XXXX. I reached out to Apple support that was managed by Goldman XX/XX/. 

There is a current dispute on the charge. 

I put a request to Goldman/Apple to fix this issue for their promised feature on the card but they say it automatically lets some merchants still charge the card and that I would need to contact XXXX at XXXX to turn this off. They call this automatic billing updater. 

The way this works is when your card number is updated, XXXX then sends certain merchants the updated number. We do not have any way to tell which merchants get updated automatically. 

I asked them to reach out to turn this off. They said they couldnt. I believe they are responsible to resolve to turn this feature off, since thats it should if change your credit card number through the Apple XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: Credit Systems International, Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
You were notified that the account XXXX is inaccurate and failed to correct or verify this account. Stop reporting for FDCPA non-compliance of inaccurate data furnished on my consumer report. I also submitted proof that my personal information was involved in XXXX data breach, and you still failed to investigate and provide a valid ID, copy of my ssc, or anything that would validate the alleged debt belongs to me. Lastly, my credit report will show that you are reporting inconsistent information to the credit reporting agencies such as the date last active and the last date reported. CREDIT SYSTEMS INTL has lost all credibility with anything that they are reporting, and I will seek legal action if this account is not removed within 7 days. Please see the attached dispute letter which is dated and time stamped and remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove all the hard inquiries.

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