BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-03
Company: CITIBANK, N.A.
State: TX
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:
XXXX and The Home Depot are violating my privacy rights as a consumer. XXXX continues to report a late payment in XX/XX/XXXX. This is the release of my nonpublic financial information. Furthermore as a federally protected consumer I am now opting out of my nonpublic information being shared.15 U.S. Code 1637 says consumer credit cards are opened ended therefore it is impossible for me the consumer to be late upon this consumer credit account.

Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a.

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 2022-12-19
Company: KEYCORP
State: CO
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: Card was charged for something you did not purchase with the card

Complaint:
We reported a fraudulent charge, to KeyBank Fraud Services, of {$3000.00} on my KeyBank credit card in XXXX of XXXX. The charge was listed as being a " convenience check '' cashed for {$3000.00} and carried a " convenience check fee '' of {$120.00}. The KeyBank Fraud department was unable to provide a digital copy of the cashed check, to confirm signature, but informed us that it was written to a XXXX XXXX for home improvement. Suffice it to say that we do not know a XXXX XXXX and we have not been undertaking any home improvement projects. We live in a rural mountain area outside of XXXX, CO and our mailbox is in a row of boxes along XXXX XXXX XXXX about XXXX mile from our house. During the pandemic, we did experience mail being stolen from the box, so I suspect that the " convenience check '' was likely XXXX of those that banks send, as a promotion, to transfer balances, etc. 
KeyBank issued a " provisional credit '' to my account on XX/XX/XXXX and sent me various instructions to follow-up on the fraud, including an affidavit that needed to be notarized, etc. They then reversed the " provisional credit '' on XX/XX/XXXX. The KeyBank paperwork, including the notarized affidavit, was mailed and e-mailed to KeyBank Fraud Service on XX/XX/XXXX and assigned case # XXXX. Nothing happened, so I followed up with KeyBank and they claimed that they did not receive the originals sent snail mail. I re-emailed scans of the documents to them, and they finally acknowledged receipt of the email in XXXX. I checked in with them several times by phone and the rep on the last call said that the case was now out of their hands and that I had to contact XXXX, XXXX, or XXXX. I continue to received almost daily collection calls from KeyBank and it has appeared on my credit report. 
Note : The original credit card number that had the fraud charge is XXXX XXXX XXXX XXXX. They moved the balance to a new credit card number XXXX XXXX XXXX XXXX and this is the number on the current statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: EQUIFAX, INC.
State: MI
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 sent a letter to Equifax on XX/XX/2020 about some incorrect things on my credit report. I sent this letter almost 2 months ago and still haven't received a response yet. I have sent multiple letters and no response. This is stressing me out especially with everything with corona and my family. I simply want action being taken and my time and complaint to be valued and considered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: CT
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 is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: FL
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-08-03
Company: Transfinancial Companies, Inc
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Transfinancial is open on credit report for {$5900.00}. I called Transfinanacial to check balance on account, I was told my account was open and theres no balance. They stated that they wasnt reporting the account. I called XXXXXXXX XXXX, I was told the same as well. I can not get another property in my name due to this reporting being inaccurate. The communication with both parties happened in XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: SYNCHRONY FINANCIAL
State: CA
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 charged purchased with my Walmart card on line and in store back in XX/XX/XXXX I returned everything on beginning of XX/XX/XXXX today I received my billing statement I see that there is over {$60.00} balance I look at my statement I see no return of {$29.00} {$150.00} on my account and that was month ago I dont understand why I ecumulate balance when I had a zero balance before make a purchase and after I returned everything doesnt make any sense other than this is a new fraud way fior banks credit cards to make extra money and they know most customers either dont have the time or dont pay attention or just to scared of if they fight it the credit card company will reack their credit file so they just pay it. 
But I am different and when I see wrong doing I will go after them and wont allow them to cheat me.

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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX BANK # XXXX, Account name : XXXX XXXX  XXXX XXXX XXXX Account name XXXX XXXX # XXXX Account name XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX # XXXX Account name XXXX # XXXX, they stated everything was complete and XXXX. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-08-03
Company: Genesis FS Card Services, 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:
VICTIM OF IDENTITYBTHEFT PROVIDED WITH PROOF OF FILING TO FEDERAL ENFORCEMENT AGENCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: SANTANDER HOLDINGS USA, INC.
State: TX
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:
In accordance with the fair credit Reporting act XXXX this creditor Account # XXXX has violated my rights. XXXX Under 15 USC 1681 Section 602 States I have the right privacy.

Under 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Rocket Mortgage, LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Upon seeking line of home equity, we found that on the deed is a statement and code Quicken/ Rocket Mortgage XXXX, Says it is closed but not satisfied. I have reached out to them with no success. They say they can not find any account. We used my SS # and that of my late husband. I contacted my current mortgage XXXX XXXX as well as XXXX. No one has answers and blame each other. I have spent a week or more talking to these people. this all happened when they sell your mortgage to others which is not fair to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Collection Service Center, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020, I got update from the collection company that they sent the update to credit bureau 's to remove the collection items on my credit file as XXXX XXXX asked the collection company to place the items on hold until they work with my insurance company for paying the bills. On the same day I had been notified that it might take any time between 30 to 60 days to get that collection items removed from my credit file as it depends on Equifax to process the update. I requested the collection company to fasten the process as I am in process of refinancing my mortgage due to low rates and this collection items will have negative impact on my credit file for which I got an answer that collection company did their part of informing Equifax to remove the collection items and they cant do any sort of expedition as its upto Equifax. 

So next I raised a dispute with Equifax saying the bills are paid by my insurance and those collection items must be removed from my credit file, for which Equifax sent the notification to Collection company on XX/XX/2020 requesting if those collection items can be removed from my credit file. Collection Company responded on XX/XX/2020 stating those collections are valid and they have to stay on my credit file until cleared, which clearly contradicts on what I was told on XX/XX/XXXX that the collection company sent the update to Equifax to remove those collection items. 

Now I request you to please look into this matter and help me get my credit file fixed as this collections are impacting my refinance of mortgage. 

Collection Company - Collection Service Center, XXXX XXXX XXXX, XXXX XXXX PA XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
I got three collection letters from the XXXX of XXXX for XXXX homes for school taxes. I spoke to Shelll Point servicing company about this over the last six weeks. Ive been on the phone with 4 different reps. No one seems to have an answer and I keep getting emails from them that none of my taxes are due. As of this morning, I spoke to the actual treasurer of XXXX, and the taxes are not paid and will be sent to XXXX XXXX  law services XX/XX/. I now will have to pay them myself as I dont want any issues. Shellpoint doesnt even have a tax department you can speak to. They are jeopardizing my credibility and hard work that it took to get to this point in my life. No one gets back to me about the issue its very frustrating. 

XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX Pa XXXX All school taxes are delinquent and going to collections

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 recently tried to get a loan I could not Ive never had a credit card in my life at all Im trying to establish credit or see my credit score at least and I can not for 5 months my score said XXXX completely now it all of a sudden has plus XXXX point what is that? Why does everyone that does not even work that I know can get a car or credit card or a loan and yet I work and pay taxes every year and my scores are garbage frozen or not available? I want this to be fixed next im getting an attorney!

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 2019-02-09
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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX I found two unauthorized Hard inquiries on my credit repot 1 dated XX/XX/XXXX XXXX XXXX - I did not authorize 2 dated XX/XX/XXXX XXXX XXXX  -I was told it would not appear as hard inquiry. I was ordering XXXX security monitoring? why a hard inquiry? I am very upset

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this letter finds you well. I am writing to formally dispute the presence of a debt on my credit report, which has been reported by a third-party collection agency listed on my report. I would like to clarify that I do not have any contractual agreement with the said collection agency, and therefore, I am not responsible for the alleged debt they are attempting to collect. 

It is my understanding that the collection agency acquired this debt for a significantly reduced amount, often referred to as " pennies on the dollar. '' In doing so, they assumed the risk associated with the lack of a signed contract from me, the consumer. I believe it is unjust that I am being penalized for a debt that I do not owe, and it is negatively impacting my creditworthiness. 

I kindly request that you investigate this matter thoroughly and remove the disputed item from my credit report. As per the Fair Credit Reporting Act ( FCRA ), it is your obligation to ensure the accuracy of the information you report. In this case, the inclusion of the alleged debt is inaccurate and misleading, as I have never entered into any contractual agreement with the collection agency.

Furthermore, I have taken the liberty of cc'ing the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) to assist in the resolution of this matter. I have been struggling with this issue since 2017, and despite my efforts, I have not been able to find a satisfactory solution. The negative impact caused by this inaccurate information being reported on my credit report is affecting my financial opportunities and overall well-being. 

I urge you to take prompt action in investigating this dispute and rectifying the inaccuracies on my credit report. I expect to receive a written response from your office within the legally mandated 30-day period, informing me of the actions taken to address this matter. 

Thank you for your attention to this dispute. I trust that you will handle this matter with the utmost professionalism and urgency it deserves. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
there are currently fraudulent inquires on mt credit report that I need removed please.

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 2023-07-10
Company: JPMORGAN CHASE & CO.
State: NY
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:
So, my Chase Sapphire Preferred credit cards payment due date is the XXXX of each month. The statement date is the XXXX if each month. I paid it off in full on XX/XX/XXXX, all {$2900.00} of it. I made sure it the remaining balance was zero. And it stayed as such when I checked the next day which was also a business day to make sure that I was not charged interest. I am aware of the difference between the payment due date and the credit card statement date. I also made sure to not make new purchases on this credit card ending in XXXX so that the pending charges wouldnt get finalized right before the statement date, and I would avoid getting an interest charge. Well, Chase did it anyway. It was sneaky and slimy. This is a terrible and cheap way to earn more money for their business. If I made any charges to the card, it was many days prior to XX/XX/XXXX. The charges should have been finalized and added to my payment amount shown, but it was not. On my Chase app, I did not see ANY pending charges that day. Chase waited until AFTER I paid {$2900.00} on XX/XX/XXXX, to show my latest finalized charges ( from pending which wasnt shown at all ) just before XXXX XXXX statement balance so that they can conveniently charge me a {$33.00} interest fee. Consumers need more transparency ; being able to access our credit card expenditure history on demand is supposed to help us manage our credit card bills easier, but Chases deceptive and slimy sneak charge makes it difficult. I have a hard time trusting banks and credit card companies who do this. We as consumers deserve better. I and other hard working people do not have the time of day to argue with credit card company representatives who dodge each and every question. There needs to be accountability. We deserve to keep our money.

Company response to consumer: Closed with explanation