BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-13
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
According to Allied Collection Services they are wanting myself and my wife to pay {$3800.00}. This company is trying to collect money for my former apartment community. I was give a no cause to vacate notice and I paid my rent to this company. Myself and my wife have been bullied and traumatized by this apartment community. They are also very XXXX against myself and my wife. Please have them remove these false charges off our credit. Our day of departure from this company 's apartment was XX/XX/2021 we had to be out by XXXX. We submitted our last payment for the month of XXXX XXXX. This company fraudulently putting eviction on my name and i have the documets that says otherwise. Also getting my {$300.00} deposit 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 2015-12-19
Company: VALLEY NATIONAL BANCORP
State: NJ
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
My mother has XXXX and is XXXX years old making it difficult for her to get around when she is not hospitalized. A few years back we went to a branch and had my name added to her passbook savings account in case of situations like this. I had no reason to go since then, until now, but when I went, the bank had mixed someone else 's information with my name on the account and it would be difficult to straighten it out without my mother. In the interim we went and had power of attorney documents notarized for me. However when I went to the bank, they stated they still need to investigate since my information did not match and eventually when my mom was permitted to travel ( she is currently in a XXXX ) by the doctor, we went to the branch near the XXXX, there they suggested she come in while she was out. The lady there said she would simply delete the incorrect information on the account for me. When she did this she put my correct information in and the " XXXX '' they use for new accounts rejected me because of low score, but they still will not honor the power of attorney document. This is a legal document and allows me to represent my mother and I see no reason why they can not abide by this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: AR
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 name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, the incorrect information was sti
ll found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to EXPERIAN, XXXX XXXX XXXX XXXX  XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries and accounts listed below are still reporting on my Credit Reports and need to delete immediately : 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 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 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 2019-12-09
Company: Resurgent Capital Services L.P.
State: TX
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:
XX/XX/2019 A credit card in my name was opened using my personal information. I do not own this card and did not request this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
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: Account information incorrect

Complaint:
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX/XXXX XXXX and XXXX XXXX   XXXX/XXXX violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 


XXXX, XXXX XXXX, XXXX XXXX reported to Experian that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on 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 2020-04-14
Company: JPMORGAN CHASE & CO.
State: KY
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 opened a Chase Sapphire Reserve card at the end of last year. This month, Chase chose to close my card. This is within their rights, however they refused to pro-rate my yearly fee ( {$520.00} ) according to the months I that actually used the card. When I inquired for further clarification of their stance they again refused and then told me they were refusing to even discuss the matter further, even though I had additional concerns to discuss. 

Nothing in my cardholder agreement authorizes them to charge me for these services under a closed account, nor does this action hold up under general contract law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: Rocket Mortgage, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I was seeking a pre qualification with lenders as I am looking to buy come XXXX. 

XXXX XXXX knew I was not going to getting a house anytime soon and knew that I did not have a down payment ready. 

She did not read any disclosures or anything indicating she would be doing a hard pull on my credit. 

I got an email from XXXX XXXX that I have 14 days to keep shopping now that a hard pull has been done. 

As I did not consent to this hard credit pull, my file has been obtained illegally and this is considered my intent to seek legal action against Rocket Mortgage / Quicken Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions 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:
Box 1 : ATTN Fraud Department : Remove fraudulent accounts from my credit re

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 2022-05-13
Company: EQUIFAX, INC.
State: MO
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : 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 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 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a couple of fraudulent credit cards that Ive told XXXX, XXXX and XXXX XXXX to dispute but they disregarded me wish dealing with my credit file.

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 2022-05-13
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct the following accounts completely from my Credit Reports : 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

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 2022-05-13
Company: Experian Information Solutions 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to be delete immediately : 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 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 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 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 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 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 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 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 non-monetary relief
Consumer complaint received 2016-04-27
Company: CITIBANK, N.A.
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In fall of last year I opened a Citigold checking account with a promotional offer to earn XXXX XXXX XXXX miles. I met the terms of the offer but the XXXX bonus miles never posted. Citi continued deduct the $ 30 monthly checking account fees ( which they require until the bonus is paid out ). I contacted XXXX inquiring why my bonus miles never posted. They responded back that I had qualified for and had met the terms of the offer and they only needed my XXXX account number to credit the miles. I provided the XXXX account number and continued to wait, paying more exorbitant $ XXXX monthly checking account fees. I recently got another letter now stating they would not honor the promotion, claiming I was not targeted for the offer. Citi is well known for extending citigold offers to customers to entice them into paying exorbitant checking account fees and ultimately dragging their feet on honoring the promotion while collecting more fees. I have asked Citi to honor the XXXX bonus, but they have essentially told me to pound sand. If they would not honor the promotion I requested they refund the {$90.00} in checking account fees they extorted from me during this process. They also refused to do this. I have closed my account to avoid further fees.

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 2020-10-18
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
MACY 's has reported a result of miscommunication as failures to make payments : I recently returned from a three-year XXXX   XXXX  in a remote area in XXXX and discovered that MACY 'S has reported two late payments to the credit bureaus ( XXXX XXXX, and XXXX ) despite the circumstances surrounding what I consider to be a miscommunication. I had just opened the MACY 's credit card account in the summer of 2017 and was still awaiting the very first invoices through the mail when I departed in early XX/XX/2017 for an overseas military XXXX. I later received all of my late mails as it's usually the case for military personnel XXXX in remote locations and MACY 's invoices were among them. I immediately made the payments and called the customer service a MACY 's to explain the situation. Despite their reassurance, MACY 's still reported the late payments and they have been affecting my credit negatively until now when I discovered the entries when reviewing my XXXX 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 2018-03-28
Company: Grant & Weber
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The hospital had given my bill to the debt collectors who for 6 years have been sending it to the wrong address. I only found out recently about this debt when i saw it on my credit report, which it had affected very negatively. I have called the creditor collectors and told them that I never recieved a letter from them all these years if they can remove my debt from my credit report so they can give me a fair chance. They refused and demanded I paid in full in exchange for removal from credit report. This is not fair. Please 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 explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have been diagnosed with XXXX  and have recently been medicated by XXXX. I'm now aware I'm defaulting my report!! 
I have not been taught the impact of my freedom as a human being is being impeached by various crediting agencies and national records due to my previous I inability to conform to modern society I feel that all the infor6 compiled in last 10 years either has been sold or not imposed one properly I have an inappropriate oty to budget in a complicated society This is proven by all research into the diagnosis given to me following the trauma imposed one as a child of a government who told me what is best for me!! Please an you otherwise seek to free me from the debt I've been otherwise forced to get to be able to live in my life I'm not a 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 2017-05-21
Company: EQUIFAX, INC.
State: NJ
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 have student loans from XXXX XXXX XXXX and from states outside PA on my report. I have contacted these agencies and confirmed I do not have loans with them. I reported this to Equifax twice and they continue to say these loans belong to me and they do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
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: Information belongs to someone else

Complaint:
" I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: MD
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1100.00} ; XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : {$670.00}

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 2021-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
A credit card was takiing out in my name with Bank of America. I have contacted Bank of America and we are in the process of getting it corrected. This definently is FRAUD. 
I did not open this credit card with Bank of America. I would like to have this taken off my credit report. 

Please keep me updated on the process of this complaint. 

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