BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-25
Company: DISCOVER BANK
State: MA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, we paid {$610.00} for a sailboat charter with XXXX of XXXX XXXX that we were taking during a trip in XXXX of XXXX in Florida. That trip never happened due to COVID. At the time, the company said they were really struggling due to all the cancelations and gave us a voucher to come back again. We were hopeful that we could make it, but when it became obvious that we simply would not make it back to Florida, and that we really needed that money back, I emailed the company to ask for a refund. The owner emailed me back and said " I will get with XXXX and see what we can work out. '' This was the last I heard from him. He did not reply to any emails through XXXX, regular email, and never answered the phone when I called. 

I filed a dispute with Discover on XX/XX/XXXX. They reversed the charge while they investigated. On XX/XX/XXXX, they closed my case and did not honor the dispute. I recieved an email saying : We've investigated your disputed transaction and have considered all documentation available to us. We were unable to settle the matter in your favor and now consider the charge to be valid. This means we've closed our investigation, we will reverse the temporary credit on your account, and we'll apply the charge to your statement. 

When I called to ask why they did not find in favor of me, they said the company did not respond to their request for documents and for their side of the case. They did not answer any calls or respond in any way. It seems that a company simply just has to not respond and Discover will find in their favor. I have been a Discover customer since XXXX over 20 years. There was no consideration for me at all, they just said that since the company did not respond, they can not find in my favor. I understand it needs to be a process, but this does not seem fair. I am the owner of a small business and sometimes we get credit card disputes, but we always have to respond. There needs to be some protection for the consumer and the business. 


Please see attached numerous emails sent to XXXXXXXX XXXX XXXX  XXXX with no response. I know they are still operating as I can see this on XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: EQUIFAX, INC.
State: UT
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 ( FCRA ) these creditors are reporting inaccurate information and have violated my rights for these accounts : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: EQUIFAX, INC.
State: NV
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: LEXISNEXIS
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: Was not notified of investigation status or results

Complaint:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account XXXX XXXX XXXX XXXX  Please remove this bankruptcy from my public record

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2021 I received a notification from XXXX of a collection for {$1000.00} for an XXXX XXXX XXXX bill in the state of Michigan. I live in the state of California. I have never been to Michigan. This is the third time in a couple of years that this incident has happened with the same exact debt amount - I believe once the debt was in Michigan and the other time the debt was in Florida. I had to file complaints with the FTC, the collection companies and with XXXX XXXX XXXX both other times. THIS IS NOT MY DEBT. I live in California and this is the 3rd time that this has happened. PLEASE HELP XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
" SOUTHWEST CREDIT SYSTE '' is hurting my credit & ability to progress in my credit journey in buying a home. Out of nowhere, they were added to my credit report. I do not owe them. Or any company affiliated with this company. I want them to be removed. If not want to be compensated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: ENCORE CAPITAL GROUP 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: Account information incorrect

Complaint:
On or around XX/XX/2019, Midland credit agency brought an unverified debt from XXXX XXXX. This debt was not verified with the consumer. Please provide documentations that supports why you believe the consumer is responsible for the debt, and why you believe the consumer owe this specific amount. I would like to see proof of your five days of the verified " post dated letter '' letter to the consumer in question, proof of debt, with the '' XXXX XXXX Ink Signature '' and " Court '' proof. XXXX U.S.C 1692 ( F ) section 808 Validation of debts, 15 U.S.C 1692 ( e ) section 807 false or misleading representations. I DEMAND this account ( MCMXXXX  ) be deleted immediately or I will file for litigation due to the stress you caused me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
all ftc violations reported : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX sXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX twice $ XXXX {$1000.00}

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 explanation
Consumer complaint received 2020-06-19
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Too many people called XXXX and me and distracted us from focusing on my family during the crisis. My credit is a mess because of 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
Consumer complaint received 2018-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital One, an unfair organization, closed both of my credit cards which I had for over a year because couple of payments that I made did not get authorized by the bank. When I was receiving an alert after few seconds I was making the payment which was going through. To point out that was not the norm but an exception. 
On XX/XX/XXXX I processed a payment on both cards, on XX/XX/XXXX they closed my cards because they did assume that my payment will not go through and on XX/XX/XXXX they posted my payment made when they had already closed the accounts, without any warning or a letter. The fraud department that I had to speak to, was not professional at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I tried to correct my address as the one they have listed as current is an old previous address. The only option available was to cross out the current address and move one of the other 2 listed previous addresses up to current and one of those was wrong and to be deleted and the other was old.

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 2019-02-06
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Have repeated asked creditor for verification of debt under to 15 USC 1292g Sec. 809 ( b ) of the FDCPA, asking for : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any judgements obtained by any creditor regarding this account. 
Name and address of the alleged creditor. 
Name on file of alleged debtor. 
Alleged account number Address on file for alleged debtor. 
Amount of this alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

Creditor has repeated not provided only providing alleged amount. 

I have sent creditor cease and desist demand for phone calls to myself and friends and relatives. Continuing to have harassing phone calls to my friends and relatives.

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 2022-09-18
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/22 I tried to open a new checking account with XXXX, and I was notified that my credit on Experian was frozen even though I didn't have it frozen. I tried to reach out to Experian during their listen business hours multiple times, but their automated system came up and did not allow me to use the option to speak to a representative to resolve this issue. I also was unable to access it via the website, and when I submitted a request to change my username/password, the email they suggested they were sending it to was not one that I recognize. I have a limited window for the new account bonus with XXXX, so it is having a financial impact on me to not be able to access this, and I really don't appreciate Experian 's lack of communication. I would greatly appreciate help in accessing my account or unfreezing my report, as is my right to do so. 

Thank you for your time. 
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 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 went to a dealership to purchase a car and told the dealership to only run my credit through them. Come to find out my information was spewed everywhere with a lot of hard inquiries. As well I have accounts without any knowledge and without my permission. 
XXXX. XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX  FL XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX  XXXXXXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXX XXXX. XXXX/Georgia XXXX XXXX XXXX XXXX Georgia 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 2019-08-26
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX repeatedly calls me staring from XX/XX/XXXX. This paid was paid under a settlement amount and it was back in XXXX. The representative from this office, who says is a manager, is extremely rude and will not give me any information except to threaten me that I will not like what he will do if I choose not to pay this debt. He has repeatedly robotic called me at my job even though I have asked him not to and has even told me that he doesnt care if I pay this that he will continue to call me. I need to stop this harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without written signature. Please see attachments for the list of fraudulent ACCOUNTS and INQUIRIES.

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 2022-07-25
Company: EQUIFAX, INC.
State: PA
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, XXXX XXXX # XXXXXXXX XXXX XXXX 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. 
15 U.S.C 1681 section 602A 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 consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
My name is XXXX XXXX XXXX have amrotage with US bank Home mortage Regarding US bank Home Mortage XXXX. Talking to representative XX/XX/2023 at US BANK Im getting a bunch of different response regarding the partial claim I submitted. The patrial claim I entered was supposed to reset the loan and included XXXX, XXXX, and XXXX payment. I was supposed to send in XXXX payment with the partial claim paperwork, which I did. I informed that I still owe XXXX a payment and was told buy another US bank rpeoreriastaive it was fee and that the payment went towards the fee and only XXXX dollars off the payment went into escrow, The n she changed it again I asked for a supervisor. I spoke with representive # XXXX who also reports there a notice in small written form that mention the payment goes toward escrow, and she could not identify the page number of the document on the partial claim. The representative said she would escalate as there is some confusion, and she would see if the payment sent in would go towards XXXX payment, which was my understanding of the partial clam agreement. 

Us Bank seem to not be accurate with how this is handled, and I am not aware of any fees for the partial claim and the partial claim is supposed to reset the loan and clear up all fee, past due for XXXX, XXXX, XXXX. The have XXXX payment and it is unclear how and where that payment. I am filing a dispute that the payment I sent in with the partial claim be used for XXXX mortgage as agreed upon and as I was informed. 

I am told the payment went to escrow, My payment went up to address the mortgage payment so if it went to escrow why didn't my payment go down. There is no account for how my XXXX payment was applied to I keep getting different Reponses 's and the main one it was a fee and XXXX dollars applied to escrow. 

Also, there was cover letter with instruction with the paperwork that said send in XXXX payment and there was due date, this is not attached as I would need to find that paper. 
That they remove any late fee or late reports to credit bureau as payment was received in XXXX for XXXX mortgage with the partial claim that was also submitted in late XX/XX/2023.

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 2020-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have not received any confirmation on how you have verified the alleged accounts attached in my Exhibit of the credit report and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would proudly present in court if needed as supporting evidence of my trying to rectify the subterfuge that you are reporting

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 2021-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am XXXX XXXX and I'm submitting this complaint myself and there is not a third party involved. I've tried to rectify issues on my consumer report with the Credit reporting agencies and have not had any luck getting it done. I've attached letters I've sent to them and got NO response. 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 2023-09-14
Company: STERLING JEWELERS, INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Apparently this company Kay jewelry or the debt company XXXX XXXX XXXX keeps harassing me with multiple phone calls, threatening to take my car away and to call my employer to garnish all my paychecks 25 % when I clearly asked them not to. I havent had a credit card with Kay jewelry for almost 10 plus years and I have been spoken with someone during that time to pay off my credit card a different debt collection company for {$200.00} every month to help pay for it. I have never heard of this current debt collection from Kay jewelry/ XXXX XXXX XXXX I am constantly being harassed every day with phone calls and threats to take away my car and any kind of property I have. This needs to be stopped because I have paid off my debt and its no longer on my credit debt list

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation