BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: GA
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 have noticed many incorrect and unauthorized items appeared in 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 non-monetary relief
Consumer complaint received 2017-07-24
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have contacted Equifax on three occasions asking how I can find out when a particular item will be removed from my report due to age. The other two agencies list dates items will be deleted, Equifax does not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: Colony Brands, 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:
I am a victim of Identity Theft. I notice on my credit report that there was a collection for Swiss Colony in the amount of {$460.00}. I didnt even know who this company was until my son look it up for me. I never order anything from them in my life. I have filed a police report with the local police department and have sent a Notarized affidavit to the credit bureaus and to Swiss Colony and it still showing on my credit report. WHY????

I am hoping that you can help me with this and this is will be remove from my reports IMMEDIATLEY I have attached the copy of the police report and the affidavit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: Experian Information Solutions Inc.
State: VA
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:
The following negative accounts on my XXXX credit report should NOT be listed as they were opened when I was overseas using my information : XXXX XXXX XXXX ( Charged off account ) XXXX XXXX XXXX XXXX I keep asking Experian to remove it and they wo n't even after telling me my proof was adequate.

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 2020-01-03
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Signed agreement with Wyndham XXXX XXXX , XXXX ( XXXX ) on XX/XX/XXXX with Section stating You may cancel your Agreement without any penalty or obligation within ten ( 10 ) calendar days after the date you sign your Agreement or the date on which you receive the last of all documents required to be provided to you, pursuant to Section 721.07 ( 6 ) Florida Statues, whichever is later. Upon research, there is no Section 721.07 ( 6 ) of FL Statues thus entirely misleading. We did cancel sending by notarized & registered letter on XX/XX/XXXX within 10-day requirement of receiving official copy of agreement. However, Wyndham nor Wyndham Plus would not recognize ( along with Barclays & XXXX XXXX XXXX ) issued at contract signing with Wyndham XXXX. Further problems followed ( even though canceled contract, each bank started charging interest & late fees even though we were officially not members as per cancelled contract not eligible for any services nor using any. What Wyndham does is wrongly state in contract require 120 days to consider cancellation, finally issuing cancellation officially accepted. Meanwhile, Credit Cards only allow 60 days then charge interest & late fees from day one of contract. Thus, reported to credit rating agencies lowering credit score every month until settled. In fact, subsequent letters to Credit Cards by notarized & registered mail are not even acknowledged or answered! Credit Agencies were notified but answered Credit Cards indicate valid charges so do nothing! This disconnect in contract times to respond is a crooked scheme ruining credit scores for consumer as well no refund of  interest & fees paid. Wyndham finally sent letter accepting rescinding contract on XX/XX/XXXX with repayment of principal paid a week later. Meanwhile, Credit Cards continued to charge interest & fees on interest & fees overdue ( double illegal  charges ) which we finally paid off on XX/XX/XXXX. Barclays charged in XX/XX/XXXX total fees {$240.00} & total interest {$240.00} while XXXX   charged total fees {$140.00} & total interest XXXX - all illegally! While credit rating agencies will not accept our request for redress of false reduction in credit score. PS ; We have all documentation if required.

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 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recove ry Associates, LLC refuses to se nd me documentation showing how much money I have paid them and how much is left for me to pay. Every time that I call consumer service the amounts vary. This does not make sense and is not reflective of a responsible and honest financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I sent a dispute letter to Portfolio Recovery Associates regarding an account with XXXX XXXX who is listed as the original creditor. Within the letter I requested validation of this debt by providing me with the original application and/or contract from XXXX XXXX that outlined the terms of fees, interest, etc. so that I could confirm that the dollar amount stated as being owed was in fact assessed from the original creditor and not the collection agency who is currently attempting to collect. I also asked if the contract/application from the original creditor could not be provided that they provide me with a copy of any agreement the collection agency has with me verifying that I agreed to pay them the debt of record and/or the original creditor. In addition, I also asked for them to verify the date the debt was acquired and also if it was assigned or purchased and to which credit bureaus the debt was being reported. I received none of this information from Portfolio Recovery Associates and upon contacting them via telephone on XX/XX/XXXX I was told by a supervisor that they do not have a contract or application on file or record from the original creditor and that even if they did they do not send this type of information to consumers which is a complete falsehood. In addition, I was informed by the same supervisor that this account was not assigned to them by the original creditor of record and was actually purchased and acquired in XXXX of XXXX. In my original letter to the collection agency I alerted them that in the event of noncompliance, I 'd reserve my right to file charges and/or complaints with appropriate county, state and federal authorities for violations of the FDCPA/FCRA. I feel my rights are being violated and there are some unethical practices and procedures being utilized as it pertains to my particular situation and I am in need of additional assistance. Your help in this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Terms state : " You can receive only one new business checking account opening related bonus every two years from the last enrollment date and only one bonus per account. '' https : //accounts.chase.com/consumer/business/online/500checking I have never rec

eived any bonus for a business checking account. I opened an account and used a coupon but the terms were not satisfied, according to Chase, and the bonus was never paid. I escalated this matte r three levels at Chase and each time they gave me re-worded explanations of those terms. They said things like 'you can only use one coupon ' or 'you can only have one offer applied to your account '. That is not what their terms say. The terms state very clearly that you can only RECEIVE one bonus. I qualify. But they will not give it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: Experian Information Solutions Inc.
State: SC
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:
Hi, I applied for an auto loan and I was told that my credit would be ran through 1 creditor and that it would be a soft pull. However I have over XXXX hard inquiries on my report as a result. I have disputed these to XXXX, XXXX, as well as Experian with very little success. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit/XXXX To 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 XXXX XXXX XXXX XXXX In addition to the unauthorized inquiries on the report. I have reached out to the creditors as well as all three bureaus in reference to other erroneous information on my report with little to no success. I have taken the time to enter the erroneous accounts below : XXXX XXXX XXXX ( ACCT # XXXX ) XXXX XXXX XXXX XXXX XXXX ( ACCT # XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) I am very upset as these accounts are not supposed to be included in my report. I have written as well as disputed this incorrect information with all creditors as well as all three bureaus with little or no success. I am in desperate need of your help. I thank you in advance for taking my complaint into consideration.

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: SC
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:
Hi, I applied for an auto loan and I was told that my credit would be ran through  XXXX  creditor and that it would be a soft pull. However I have over  XXXX  hard inquiries on my report as a result. I have disputed these to  XXXX , Transunion, as well as  XXXX  with very little success.     Inquiries :  XXXX /  XXXX   XXXX   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX     XXXX   XXXX /  XXXX   To    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    XXXX   XXXX     XXXX   XXXX   XXXX   In addition to the unauthorized inquiries on the report. I have reached out to the cr editors as well as all   XXXX   bureaus in reference to other erroneous information on my report with little to no success. I have taken the time to enter the erroneous accounts below :  XXXX   XXXX   XXXX   ( AC CT #  XXXX  )  XXXX   XXXX   XXXX   XXXX   XXXX   ( AC CT #  XXXX  )  XXXX   XXXX   XXXX  (  XXXX  )   XXXX   XXXX   (  XXXX  )  XXXX   XXXX  and   XXXX   XXXX   (  XXXX  )   XXXX   XXXX   XXXX   (  XXXX  ) I am very upset as these accounts are not supposed to be included in my report. I have written as well as disputed this incorrect information with all creditors as well as all  XXXX  bureaus with little or no success. I am in desperate need of your help. I thank you in advance for taking my complaint into consideration.

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 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 recently pulled my credit report and noticed credit inquiries, and accounts I do not recognize, they are unauthorized and NOT mine. I must have been a victim in a cyber hack or identity theft. These accounts XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, As well as these NON-account holding inquiries with : 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 These accounts are NOT MINE. I do not recognize them and did not authorize them. These inquiries are fraudulent. To my knowledge, I have not signed any documents authorizing your organization to view my credit history your inquiry into my credit reports violates the 9FCRA ) sec, 1681b ( c ) : transactions NOT initiated by consumer. Please remove these effective IMMEDIATELY! Thank you in advance!

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 2022-01-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Faxed a request to have PMI Insurance removed from my mortgage payment XX/XX/XXXX, Contacted via phone of status on or about XX/XX/XXXX was advised request received and someone should call back in 7 days, Contacted via phone about XX/XX/XXXX after 1 hour wait was told still in process someone should call back in 7 days, Contacted via phone about XX/XX/XXXX again was told someone would call in about 7 days. Current balance about {$150000.00} current sales comparable value is $ XXXX to $ XXXX well within the XXXX % rule, I have estimated current value @ $ XXXX. I faxed 18 pages of comparable and letter requesting PMI removal on XX/XX/XXXX, spent hours on hold and only getting the same answer. 
Loan XXXX Citizens XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: CITIBANK, N.A.
State: NJ
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:
To whom it may concern I am writing to formally complain about Citi bank and their disregard for what is happening to their clients. I have a Citi credit card with a balance and have been seeking assistance from Citi.I have never missed a payment and have perfect credit. I was asking for interest deferral to buy some time to pay down the card .I am self - employed and have lost all of my work and income. I do not want to differ payments as the interest will still accrue, that really doesnt help. All of my other banks, car payments, other credit cards and loans have all stepped up and deferred payments and interest. 
Someone with the authority to look into their practices need to ask them why they need to collect interest when people are a couple months away from losing everything. It is a shame that Citi cant come up with a better solution. 
Please help with this matter in any way you can as I am sure there are thousands upon thousands of people being bullied and strong armed by Citi .Shame on them for not being better corporate citizens, obviously they are not concerned with anything but their interest earned on hard working people who desperately need assistance in theses unprecedented and difficult times. 

Thank you for your time and consideration.

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 2022-06-10
Company: Experian Information Solutions Inc.
State: NV
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has 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 719XXXX has me at a score around 590. 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 XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2017-07-24
Company: BB&T CORPORATION
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I n  XX/XX/XXXX  I purchased a  XX/XX/XXXX  used  car from  XXXX   XXXX . Due to my credit situation at the time, I was charged 24 % interest on the car loan. Fast forward to to day,  XX/XX/XXXX , and I still  owe the same amount as I originally fi nanced  XX/XX/XXXX  ( yes, that is after 7 years of payments ). I have been to several car dealers (   XXXX ,  XXXX   &   XXXX   ) and every  time we try to get a straight answer about my loan we are told different stories, with no proof provided by  XXXX   XXXX . After attempting to trade the car in ( to no avail since  XXXX   XXXX  was saying that I still owed  XXXX  after 7 y ears ), I let the m repossess the car, due to the frustration of still paying a note with no " pay down '' value. Now, as I am trying to get another car, even though I do not have the car ( I have proof that the car was reposed )   XXXX   XXXX   is holding up the process by not " selling the car at auction '' and not saying they have the car so other lenders want me to produce the car. My credit is tanked as a result and I still do n't have a car.

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