BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 Report Act XXXXXXXX XXXX from XXXX XXXX , has violated my rights. 
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 an account without my written instructions. 
This account reported on my credit report is a fraudulent 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 non-monetary relief
Consumer complaint received 2023-08-15
Company: DISCOVER BANK
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 status incorrect

Complaint:
I've engaged in a 12 month " Repayment Program '' with Discover, that allows me to payoff outstanding debt with a reduced APR. Unbeknownst to me, Discover reported a " Derogatory '' status to all credit bureaus throughout the term of this " Repayment Plan. '' There are XXXX derogatory statuses on my XXXX credit report, from Discover, today. 

As of today, I've successfully paid down my {$17000.00} credit card limit to {$5400.00} ( 30 %. ) Despite this, I'm unable to receive new business loans because of the historical " derogatory '' reports they've made to all credit bureaus, which still remain, AFTER my repayment. Discover has also notified that my account will continue to remain " derogatory '' if I'm in poor status with another financial institution. 

My ask is ; that all derogatory marks reported by Discover Financial Services, be removed from my credit reports, because I've satisfied the debt owed to them ( within the 30 % mark. ) The current situation ( their continued derogatory reporting despite my repayment ) feels predatory ; It stops me from pursuing new business endeavors that will help alleviate my economic circumstance. I've been rejected by a few banks so far. 

REPAYMENT PLAN DATES = XX/XX/XXXX - XX/XX/XXXX 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: Experian Information Solutions Inc.
State: MI
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:
am writing to delete the following inaccurate, contradictory 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 these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 
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 as it is hindering my abilities as I'm trying to advance in my life by getting a house to provide for me and my kids.

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 2020-12-13
Company: PLAZA HOME MORTGAGE, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a mortgage loan that was serviced by Plaza Home Mortgage then was transferred to XXXX  late XXXX by Plaza Home Mortgage and no payment was expected to be made to Plaza Home Mortgage afterward. However, mistakenly a pre-scheduled one month payment went out of my account at XXXX to Plaza Home Mortgage and was cleared as shown in my attached XXXX bank statement. The payment was never returned back to me by Plaza Home Mortgage Since XX/XX/XXXX, I have contacted Plaza Home Mortgage, Inc bank multiple times ; more than 5 times in writing and so many phone calls about this refund. In every time I am told my request is being looked at. So far it has been over 3 YEARS and no resolution and no understanding of why this has been taking that long nor what is going on. My communication written and phone calls with the bank was at a quarterly basis for 3 years until I approached a lawyer who recommended to file a complaint with the bureau. 

I have also spoke multiple times with XXXX and they confirmed their two documents I already provided to Plaza Home Mortgage ( 1 ) monthly statement & ( 2 ) Proof of Payment are very clear and good enough to proof the one month payment was indeed ( 1 ) made to Plaza Home Mortgage and ( 2 ) nothing else showing it was returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: SYNCHRONY FINANCIAL
State: CO
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 was charged twice for one item. I called the telephone number on the bill on XX/XX/XXXX and was told management would contact me within 24 hours. They have never contacted me. I followed up with a letter to Synchrony Bank on XX/XX/XXXX and copied the letter to Lowes CEO. It is now XX/XX/XXXX and no one has contacted me. This credit card a has automatic pay through our bank account and they drew payment on this disputed charge on XX/XX/XXXX. They have my money and have ignored every attempt to resolve this.

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 2019-09-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX I filed a complaint with CFPB ( XXXX ). The reply from SPS referenced 3 loan modifications between XXXX and XXXX with accrued Interest exceeding {$310000.00}. When I asked why this was not included in my mortgage interest, I was told it would not be reported until the mortgage was paid. The mortgage was paid in full in XXXX including the ridiculous accrued interest Charges. Now they tell me it was not actually interest. The computer I had the response saved on was stolen about 3 years ago, and I do not have a copy of their reply to you. Can I get a copy?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Chase JP Morgan Bank opened a credit line/account without my permission or knowledge. The new account appeared on my online banking services, which I first noticed on XX/XX/23. Today, XX/XX/23, a credit card along with associated paperwork arrived at my mailing address. 

At no point did I sign up for, gave permission to open, contemplated signing up for, let alone knew about this card/account option existed. 

Chase 's XXXX hotline gave no good explanation as to why this was opened. They gave no dates the account was applied for, nor by what means it was applied for ( in person or online ). 

They had no direct number which I could call should I have further issues with this specific incident.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15
Company: EQUIFAX, INC.
State: CT
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 item on my credit that I have been disputing for over 2 years now. Ill dispute them and still see them on my history. Charge off and whatever companies are still trying to collect money when I keep telling them that the accounts are not mine. They even have me living in a State that I have never visited XXXX XXXX XXXX. XXXX XXXX XXXX XXXX I have never lived at. I am frustrated and seem to not be getting any help to correct the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: Capio Partners, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This is a formal complaint that inaccurate and incomplete items has been reported on my credit file. I respectfully requested information on ( XX/XX/2020 ) to be provided proof of these alleged items, specifically that contract, note or other instrument bearing my signature.The investigation has taken well over 30 days and I was not notified of the investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-19
Company: EQUIFAX, INC.
State: PA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Experian Information Solutions Inc.
State: FL
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:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention : XXXX XXXX account number XXXX I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2023-10-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Re : XXXX XXXX XXXX # XXXX ( DELETE! ) Dear Equifax and CFPB, In accordance with the Fair Credit Reporting Act, this creditor has violated my rights 15 USC 1692e 807 ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; 15 U.S. Code 1681 - ( 1 ). The banking system is dependent upon fair and accurate credit reporting.

Under 15 U.S.C. 1681i ( 5 ) states,. Removal of inaccurate/invalidated credit information Under 15 U.S.C. 1681 section 602 states,. I have a right to privacy.

Under 15 U.S.C. 1681 section 604a section 2 a consumer reporting agency can not furnish an account without my written instruction..

Under 15 U.S.C. 1692e, entitled False or Misleading Representations, which states that a debt collector may not use any false, deceptive, or misleading representation I would like to demand the XXXX XXXX XXXX stop reporting this account on my credit report because they are injuring my credit profile and violating my rights.

They are reporting on my credit report knowing they have not validated the debt according to 15 U.S.C. 1692e, entitled False or Misleading Representations, which states that a debt collector may not use any false, deceptive, or misleading representation.

This account also communicates charges that do not belong to me. I have asked the XXXX XXXX XXXX to Explain in writing what an initial late {$310.00} fee is and where I agreed to pay every month for six months in the state of Georgia. My rent was NEVER late but my rent was refused by the leasing office. Rent was refused for XXXX XXXXXXXX ( see attachment below ) therefore it would be impossible for either XXXX XXXX or XXXX XXXX XXXX to try to collect the initial late fee of {$310.00} payment for six months. Please provide me with any supporting documents that XXXX XXXX tried to collect rent from me. 

This account is also reporting a {$200.00} paint fee, I have already paid a {$130.00} clean move fee and the company did not return my security deposit therefore they can not keep charging me fees on top of expenses. The apartment has to be repainted every time its rented. My unit has normal wear and tear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-13
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9700.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9700.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO LOANS OR LEASES 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: EQUIFAX, 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:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. DPTEDXXXX {$3300.00} XXXX {$400.00} XXXX {$640.00} XXXX {$190.00} XXXX {$630.00} XXXX {$360.00} XXXX XXXX {$520.00} XXXX {$3500.00} XXXX {$640.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: ROBINHOOD MARKETS INC.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I am a XXXX XXXX. I sometimes send money through this app to family and friends. My father sent me cash I gave to him to pay my bills. It is the XXXX & I got these on the XXXX. My account was closed by Robinhood but I have XXXX XXXX dollars I have no access too. There was a remediation process on the XXXX that took 10 days and I still have not received my funds. Business is slow this time of the year so for them to hold my funds this long, I have lost money, customers and I am behind on bills. Please help me get my hard earned money they have no right to take. I asked many times to close my account and return funds. They closed it but no access to my money still. I have no access to any of my old accounts I signed up with, because I was a victim of identity fraud, and it gives me no option to cash out my money to a new card or account. And doesnt give me an option to speak with someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I had a Capital One Quicksilver card with considerable cash back built up - approximately {$1700.00}. On XX/XX/2023, I was on the Quicksilver App when I noticed that I was eligible to upgrade to the Capital One Venture card. I had been looking for a travel credit card, so I did so. Part of the reason I chose the Venture card was the advertising for XXXX bonus miles. 

On XX/XX/2023, I found out that Capital One would not honor the bonus miles as I was an " upgrading '' customer and not a new customer. I also found out that Capital One converted my {$1700.00} in cash-back to " miles '' that now have a cash value of only {$890.00}. In a span of two days, I Capital One essentially stole {$890.00} of my cash-back that I had accumulated over six years, and also refused to honor the bonus miles for the Capital One Venture card that is on all of their promotional materials. I tried calling Capital One about this matter, but they claimed they would not change my card back to Quicksilver and restore my cash-back, and they also refused to provide the bonus miles. There was no clear warning in the App when I " upgraded '' the card that I would lose my Quicksilver cash-back and that I would not qualify for the bonus miles. Capital One customer service claimed they could not do anything to make this issue right. Had I known I would lose the cash-back I had already accrued and that I would not get the promotional bonus miles, I NEVER would have " upgraded '' to the Venture card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: Rock Creek Capital, LLC
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX I returned a vehicle that I was leasing for the purposes of driving for XXXX, that was originally leased through XXXX XXXX XXXX, later sold to a company named XXXX, the vehicle was returned to XXXX  with no infraction to the contract, and no deficient balance. 

I have been registered at my previous address and at this address, I have not changed my phone number, I have not changed my name I have not changed any other identifying information and no debt of any sort has ever been communicated to me by either XXXX XXXX XXXX, XXXX, or Rock Creek capital LLC I was notified by XXXX  on XX/XX/XXXX regarding an alleged debt. I have reason to believe I do not owe this debt because I have never been contacted in any form by Rock Creek Capital , LLC ; I verified my account in good standing before closing the account is XXXX XXXX ; I verified my account in good standing after closing the account is XXXX XXXX, I have never been contacted in any way by XXXX XXXX since closing the account ; I verified that I did not infract any clause within the lease agreement before and after returning the vehicle, and I have I had no collections activity reported on any of my credit reports since the account was verified closed in good standing in XX/XX/XXXX. I mailed a demand letter which was received on XX/XX/XXXX I received a response from XXXX  dates XX/XX/XXXX, which complies with 15 U.S.C.1692g, and includes the name and address of the original creditor, Rock Creek capital LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Texas XXXX ), the amount they are alleging in collections is {$3800.00}. 

Further, Rock Creek capital LLC ( https : //www.rockcreekcapitalllc.com/, XXXX XXXX or XXXX ), is not reachable, when you call it goes straight to voicemail and there is not an option for extension one or two.

So the debt collection agency, XXXX, is attempting to comply with or appear that they are complying with the federal statute, but they are representing a company that has never contacted me, has never appeared on my credit report, and can not be called, and I have never been informed of any debt with the original Creditor/Leader " XXXX XXXX XXXX '', which was bought by XXXX and XXXX is now out of business and unable to be contacted and you can no longer access any of their customer accounts, and I have never been informed of a transfer of debt or an existence of debt with any of the aforementioned companies, except the attempt at collections by XXXX. I have records of all the communication, all of the transactions from the original lease, all of the communications between me and the debt collector have been written and recorded. 

So, I am asking to file this complaint against XXXX  who I believe is representing either a company or a debt or both falsely, or that they simply do not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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