BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-24
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In review of my XXXX credit report on XX/XX/XXXX, I noticed a " Collection '' account being reported by IC System Inc. 

I do not know who this is and why they are reporting a collection on my 3 credit bureaus credit file. I have not received any communication form them in any for or fashion. Furthermore, they have violated my consumer rights under the Fair Debt Collection Practice Act Regulation F. This law was enacted on XX/XX/XXXX and clearly states that Actions Which Must be taken Prior to Credit Reporting Prior to reporting a consumer debt to a credit reporting agency, the debt collector must now actually speak with the consumer about the debt, either on phone or in person, mail the consumer a letter about the debt and wait a reasonable period of time to receive a notice of undeliverability, or send the consumer a message by electronic communication and wait a reasonable period of time to receive a notice of undeliverability. The purpose of this amendment is to avoid the practice of debt collectors from reporting debts to collection agencies and then waiting for the consumer to contact them after the negative credit reporting is discovered by the consumer. 

This company has not done the above and should remove this account from my credit files.

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 2020-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/XXXX XXXX XXXX  used capital one app to make a payment from my bank account. I havent used there credit cards for a few years. So last year I got a credit from capital one and downloaded there app Ive made over a dozen payments on there app. When making a payment on above date it billed 3 times on different banks that I didnt add. The other 2 bank accounts were added by the app and were old bank accounts. On XX/XX/XXXX called capital one customer service and they removed the 2 wrong payments well so we thought. Only one was removed 2 had to go through a was deleted leaving the correct payment and was paid by my bank.on XX/XX/XXXX called again after an hour or more waiting on the phone and yes there that back up I understand how crazy everything is but to be sent to a customer service supervisor from a fraud representative I was unaware that she put a 7 day hold on the payment so here we are XX/XX/XXXX cant get help the representative are so backed up that I understand but there customer service supervisor being so upset put that 7 day hold on my payment. Everyone is trying to get by now. Every dollar is important just getting by. What she did was to punish hurt because of her work involvement.please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX inquired on : XX/XX/2023 Reason : the inquiry was not authorized XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX inquired on : XX/XX/2023 Reason : the inquiry was not authorized XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX inquired on : XX/XX/2023 Reasons ; the inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, OR XXXX XXXX Inquired on XX/XX/2023 Reasons ; the inquiry was not authorized XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/2023 Reasons ; the inquiry was not authorized XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/2023 Reasons ; the inquiry was not authorized XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/2023 Reasons ; the inquiry was not authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: EQUIFAX, INC.
State: IN
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$820.00} XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$520.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX Balance Owed : {$0.00} .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-27
Company: Rock Creek Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
So today XX/XX/XXXX XXXX XXXX put a collection on my credit report saying the original creditor is rock capital which when looked up its a collection agency for a XXXX car I never had a XXXX car I have one car which I paid through XXXX XXXX I disputed with XXXX but how can this company put anything on my name and not send anything thru the mail stating I owe them or I can dispute because I dont have or never had a XXXX car

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: EQUIFAX, 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:
I filed a complaint with CFPB regarding XXXX XXXX claiming I owe money for a company ( XXXX XXXX ) that does not exist. XXXX XXXX responded to my compliant stating the company does not exist but that I still owe money. I even mailed out a validation letter to XXXX XXXX and they sent me an itemized statement that their company drafted up which is not proper validation. I sent my CFPB report with XXXX XXXX response and a copy of the itemized statement to Equifax. In my letter to Equifax I requested that XXXX XXXX be deleted form my credit report since they failed to provide proper validation and the alleged original creditor does not exist. Instead of them deleting XXXX XXXX, they used a STALL TACTIC and sent over my complaint to another collector called XXXX XXXX XXXX and XXXX sent me paperwork to fill out regarding the identity theft. XXXX XXXX has committed identity theft and fraud because I have no ideal who they or the original creditor is and Ive never done business with them or the original creditor and XXXX XXXX is reporting false information to Equifax. I want them immediately erased from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
company was sent copy of idenity theft report as well as police report, company failed to remove the debt, failed to provide proof of debt signature picture id and location debt was obtained

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
on XXXX of 2017, central credit service placed a collection on my credit report in the amount of {$2100.00} and i dont know what for.

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 2023-09-19
Company: EQUIFAX, INC.
State: TX
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 Reporting Act, XXXX XXXX XXXX  acct # XXXX..., has violated my rights. 15USC 1681 Section 602 states I have the right to privacy.

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

Furthermore, 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

This has been done and in violation for XX/XX/2023 reporting as a 30 day late payment. Please remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-27
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:
This is not sent in error, on XXXX XXXX, my information was used to open a Store credit card that I didn't not agree to. I contacted the company XXXXXX/XX/XXXX to have the inquiry and card closed .However they continuously transfered me to other employee and not the fraud department. Every employee states they do not have a fraud department.However this is a violation under multiple laws : -under 15 U.S. Code 1602 ( p ) - unauthorized use of my information -Misleading False Reporting FDCPA Section 807 -This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

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 2023-04-10
Company: EQUIFAX, INC.
State: MO
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:
After Several attempts to work with XXXX XXXX  regarding inaccurate charges on my account they are refusing to remove late payments from credit report, although the account was closed before the charges took effect. I have paid whatever debt they claimed I owed and as a very loyal customer asked them to remove the late payments as the account has never been late and at the time of these " ALLEGED '' charges the account was closed. I have contacted XXXX and the credit bureaus several times regarding this matter with no success. At this time I am fed up and would like to exercise my rights to involve the attorney general and notify you all of these shady practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: CITIBANK, N.A.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Citibank is engaging in unfair debt collection practices by utilizing harassing phone calls. They have called me in excess of the legal limit of 1 call per day per account, or 7 calls in a 7 day period per account. I currently have 2 accounts with citibank. Both are behind. 1 of the account I have a payment plan set up that I am current on. The other account I am 2 month behind on. For several weeks citibank called me in excess of the legal allowable limit. This is an unfair collection practice. When I inquired why they would use such practices I was told that I should expect it as I am 2 months behind. The employee then stated it was a robocaller that had been calling me excessively. I explained that does not give them the right to harrass me. And that if the company is to utilize a robocall system its parameters should be inline with the law. Utilizing technology does not exempt the company from complying with the law. They have since ceased their harassing phone calls however that does not change the fact they violated the law. If they are doing it to me they are doing it to countless others. They should be fined and held to the standard of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid the account off in full per what the app said was due. The next month I got a statement for a fee. I called in because I had never been late nor had any fees. I was told I paid a day late. I asked if the fee could be waived because I paid the entire balance showing due on the app. I was told I would be contacted. I was never contacted until 8 months later. I was called and told I had an almost {$700.00} balance. I again explained the entire situation to the rep. i was on the phone with him for over an hour. He even stated the fees on the account were not correct but he wasn't allowed to touch my account. I have been charged fees on fees for something that was paid off. I never received any statements. I always paid what the app said I owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: JPMORGAN CHASE & CO.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was at a bachelor party in XXXX XXXX, LA. My phone was stolen while it was unlocked. The thieves withdrew money through my debit card and paid themselves through XXXX. I immediately disputed these charges with all credit cards, debit cards, and financial institutions/third parties. XXXX told me there was nothing they could do. I reported the fraudulent unauthorized charges to Chase. They issued me a refund while they investigated. I just got the results from their investigation. They are going to take back the credits that they sent me because they said that I authorized these charges. I asked them for information about how they came to this decision. They sent me the transaction logs showing the 14 transactions within 5 minutes. I asked them how they decided this when this obviously was not me. They mentioned transactions I made in XXXX and XXXX of this year as proof that I authorized the charges. I do not believe I should be responsible for someone basically stealing my identity and taking my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions 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 XXXX XXXX  Account # 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 a account without my written instructions

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 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged 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 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
We had some late payment on out account due to the XXXX XXXX Pandemic. we could never catch up and it kept being 30 days late, we have since traded it in to stop from being 30 days late. it was hurting our credit to have all of these 30 day late payment. our household was effected and we did have to quarantine a number of times being a family of 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 2020-03-20
Company: Meridian Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This letter is to dispute collection items listed on my credit report by Meridian Financial. I have been unable to access the online system because I do not have a report number. Fraudulent activity has resulted in unjustified collection accounts being placed on my credit report. I have reached out to the creditor, Meridian Financial, to dispute the information. After reaching out, I have received the attached communications from creditor Meridian Financial. 

Someone has clearly forged my name to acquire a TimeShare. I  have never signed up for a TimeShare or had any affiliation with the creditor XXXX  XXXX  XXXX  XXXX XXXX. My signature or " proof of identification '' is not present in the communications. My name and a former address is printed on page 2 of a QuitClaim Deed. This was not printed by me. The creditor also sent an attachment of tax payments dating back to 1997 for the TimeShare Property. I have never paid any taxes towards any property as I have never owned any property. As a result, I have placed a fraud alert on my credit reports. It would seem that the creditor should have to supply actual proof of identification for something of this matter. There is no way the company has any legitimate identification from me. Please assist in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Changes in loan terms during the application process

Complaint:
Contacted Truist bank in XXXX to inquire about a HELOC. The representative confirmed our home loan status that is and always has been in good standing. The XXXX ( XXXX XXXX ) also indicated that we had more than enough equity in addition to the fact that we ( my husband and I ) have very good credit ( we each are over XXXX credit scores ). We have provided Truist with all the required income and tax documentation into the lender protal. 

Last week, the repXXXX, XXXX contacted me to advise that the underwriter wanted us to close a high balance credit card once paid off with the HELOC to adjust for our debt to income ratio but we would still be approved. We challenged that as closing a long standing high limit credit line would damage our credit. The rep. acknowledged that it did not make sense, offered to call her manager and upon dig so, we are now denied the entire HELOC. 

We were told that we could only have the funds to pay off the high limit card, one time and still close both the card and the HELOC when we had been previously noted for an OPEN line of {$150000.00}. 

I pointed out that this was discriminatory and the rep. said it " was underwriting and you both are independent contractors ''. Further stating that we could just sell our property.

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 2022-10-07
Company: Experian Information Solutions Inc.
State: LA
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 XXXX XXXX Account # XXXX and XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

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

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