BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage in XXXX of XXXX, and part of that was paying off and closing my HELOC with Citizens bank NA. Citizens reported to my credit bureau the account was satisfied and closed on XX/XX/XXXX. 

In the beginning of XX/XX/XXXX I applied for a new HELOC with XXXX XXXX During the process they noticed that Citizens Bank was still listed as a lienholder on my house title, and told me I had to have them removed to proceed with my HELOC. 

I contacted Citizens Bank on XX/XX/XXXX to find out what was going on with this closed account. The account was never closed. They advised me to pay a {$80.00} discharge fee, which I paid over the phone and that it would be 10 business days to process the closure of the account and removing their name off the title as a lienholder. 

I followed up with Citizens Bank on XX/XX/XXXX to find out where they were at. I was informed that the process had not started and that they would start the process. They told me that I would have to wait an additional 7 business days for the loan to be closed and to remove their name as a lienholder. 

I called today on XX/XX/XXXX to find out where the letter of satisfaction was for this loan. I was informed that they still have not started the process and that it was take another 7 business days. The issue is now XXXX thinks I'm pulling their chain and they are going to close my loan application because i have not provided proper documentation of the HELOC being closed at Citizens Bank. If they close it I am going to have to reapply and be subject to an increased interest rate because it has changed since XXXX and not for the better. 

I don't know what to do at this point and need someone to investigate why they are refusing to help me. I feel like I'm being defrauded by Citizens Bank and they are forcing me into a situation where I will have to pay more for my loan elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
I tried to sign in tonight so I can send a message in regard to this situation and after only one attempt to log in, for some reason it told me I was locked out. How could that be? First problem. They must be experiencing server trouble tonight. I certainly was not about to attempt to call in at XXXX XXXX! 
I was surprised at my min amount due this month. I have been making my payments and on time for quite a while. In XXXX I also sent a large payment to try to reduce this bill and the min monthly due. I have not used the card since some time in late XXXX or early XXXX. The debt is all from vet bills. 
I was shocked to notice tonight, after some time, that the interest I being charged monthly on this card is pretty much my entire payment due! This is outrageous. At this rate I will never get anywhere! A bunch of interest free or low interest charges are all dropping off one by one and very close together due to the offer that the XXXX had. 
I am becoming concerned that I am not going to pay off this bill in years to come. I have a working son who will help me but it is very high. 
Something has to be done here. I was trying to contact them tonight to get this going.. If the interest rate is not lowered and I am going to continue on with a rate that belongs in bars.The interest rate is insane for this card.I am sincerely hope that the bank might still seem tense. I feel I am not going to be able to make my monthly payments very soon.

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 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The Information as Shown Below Must Be Investigated Immediately. 
Failure to Provide Adequate Details, Method of Verification, Accuracy of All Dates, Amounts, and other pertinent information will result in the immediate filing of formal complaints with the CFPB and the FTC. I reserve my right to sue you civilly in the court system, which will result in my seeking the maximum allowable penalty for each item. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I do recognize that you deal with an enormous amount of data, which led to the creation of the E-Oscar system, which is partly owned by all of the agencies represented in this letter. 
As per the Fair Credit Reporting Act of 1970, I am requesting that when responding to this dispute, you show the Method Of Verification you have used in determining the accuracy of the above listed information. I do not consent to the use of E-Oscar as a verification method. 
I am aware that the FCRA provides you ( 30 ) days to investigate these items, and ( 15 ) days more to provide me with your findings. I do expect that you will also provide me with an updated copy of my credit report. Upon completion of your investigation, which will show any changes or the lack thereof. I expect these results to include all information requested, including your method of verification. If you are unable to comply within the confines of the FCRA, I will expect all items to be promptly deleted.

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 2023-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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 the companies have 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 account under an open amend consumer credit plan as late for purpose..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: EQUIFAX, INC.
State: NV
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 REPRTED A INACCURACY ON MY CREDIT FILE FROM XXXX XXXX AND I FILED A COMPLAINT WITH THE XXXX NEVADA AS WELL THIS IS INCORRECT OR INACCURATE INFORMATION I AM ASKIMG THAT SLL 3 CREDIT BUREAUS DUE THEIR DUE DILIGENCE AND INVESTIGATE OR REMOVE THIS ACCOUMT FROM MY CREDIT FILE ASAP!!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: CONTRACT CALLERS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Back in XXXX of XXXX, I was contacted by another collection agency, who stated to me that a debt was placed with them by a company called XXXX XXXX. After working with them to gather information it was discovered that the account was placed with them in error and that they had the wrong individual. Upon further investigation, I was told that XXXX XXXX had placed another account with them and also placed an account with a company called " contract callers '' I contacted this company, and I advised them prior to them reporting to the credit bureaus, THIS IS NOT MY ACCOUNT, they reported the account anyway as an open account on my credit report. I was NEVER contacted by this company and given the opportunity to dispute prior to their reporting. Since contacting them, they still have not provided me with documentation validating this debt. According to this XXXX XXXX XXXX, they require a valid state-issued ID and a copy of a lease to establish service, I have requested this so that I may continue my own investigation of the account. Contract Callers should NOT report this under my credit report without validating this debt. I will not give them any additional time to validate this debt, other than what the law allows. And I will only communicate by email or written letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had a debit card with " Cash App, '' who holds a balance in an app on my phone. The card draws funds from that balance. If any problem occurs, you can chat with a robot. If you get frustrated with the robot, who recommends articles that can't help you, they transfer you to someone who does not speak english, and who attempts to delay, frustrate, and deny any assistance. 

You can not call anyone, they always say that you will get an email to solve your problem later. The emails are form letters that never help you or even try to understand what your problem is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
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: Reporting company used your report improperly

Complaint:
As my previous complaint # XXXX stated XXXX XXXXXXXX XXXX is still unlawfully furnishing a charge off on my consumer report with out following federal Laws such as Fair Credit Reporting act and Fair Debt collection practices act. There is no where under the Fair Credit Reporting act requiring a financial institution to furnish negative information to a consumer report. This has been Causing me great harm and stress. I now have reason to believe that XXXX XXXX XXXX  is using extortionate means on a extensions of credit which is a violation pursuant to 18 USC 892. My Privacy rights as a consumer are protected under the Gramm-Leech Billey Act. I Ask that XXXX XXXX XXXX immediately stop the reporting of a charge off to all 3 consumer report agencies this includes : XXXX, EQUIFAX, and XXXX. You will up date my consumer report reflecting the collection removed and updated to my report as Paid as agreed. Original assumed Creditor : XXXX XXXX XXXX  Acct # XXXX In accordance with the Fair Credit Reporting act and Fair Debt Collection Practices Act XXXX XXXX XXXX  has violated my Consumer rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) : the term " consumer report '' does not include- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 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 USC 1681 s-2 7 ( e ) No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency. 15 USC 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Your failure to comply with my instructions will result in civil liability for fraud Pursuant to 15 U.S. Code 1640

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Experian Information Solutions 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:
Your records show that loan number XXXX was obtained and funded, this account is fraudulent and I am requesting you to remove this from my credit file, the signature attached is not my signature I did not authorize this account to be furnished on my credit file. I need an investigation by your fraud department and get this account removed from reporting on my credit file Client Id XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: Bread Financial Holdings, 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 status incorrect

Complaint:
I had a credit Card with Comenity Bank/XXXX XXXX XXXX  XXXX that went into collections. I paid over 600 dollars on this account but New York and company and comenity bank keeps reporting the account as a charge off every month and dropping my credit score. The account was paid in full. The original Credit Limit was XXXX and the highest balance reported was XXXX but I paid more than that. Comenity Bank has carelessly handled this account by reporting inaccurate information all the time. Every time I dispute with the consumer reporting agencies they bring it right back to the inaccurate status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt is no longer mine. Portfolio Recovery calls to collect on a debt that is not mine using a phone number from my general area which is not their number. I am on the do not call list. The debt they are claiming is 13 years old on top of that. I have asked repeatedly not to be contacted by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: EQUIFAX, 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:
Your records show that loan number XXXX was obtained and funded, this account is fraudulent and I am requesting you to remove this from my credit file, the signature attached is not my signature I did not authorize this account to be furnished on my credit file. I need an investigation by your fraud department and get this account removed from reporting on my credit file Client Id XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: EQUIFAX, INC.
State: SC
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:
Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-12-28
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:
Your records show that loan number XXXX was obtained and funded, this account is fraudulent and I am requesting you to remove this from my credit file, the signature attached is not my signature I did not authorize this account to be furnished on my credit file. I need an investigation by your fraud department and get this account removed from reporting on my credit file Client Id 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 2019-10-16
Company: Sequium Asset Solutions, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A collection account appeared on my credit report for a {$100.00} outstanding balance, I never received any type of notice regarding the debt. I called XXXX ( the original creditor ), they stated there is not a balance owed and that the account should be removed. I contacted Sequium Asset Solutions informing them that the creditor said the debt is to be deleted, they refused. So I had a conference call between XXXX ( the original creditor ) and Sequium Asset Solutions where XXXX told them the account was to be removed from the credit report. The representative refused to do so. They said they do not care if XXXX is telling them its an error and needs removed that they will not remove the account. This account needs to be removed quickly, how can they refuse to remove an account when the creditor is telling them to do so?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: JPMORGAN CHASE & CO.
State: TX
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:
In XXXX, my girlfriend and I traveled to XXXX from Texas and stayed at the XXXX XXXX in XXXX XXXX XXXX. Checking in, my girlfriend booked the room with her card and was charged a {$600.00} deposit that was supposed to be refunded after checkout. As we were checking out, they told us one of meals needed to be paid for so I told them to put the meal on my card. They charged me an extra {$800.00} for the meal that I didnt see until we got home the next day. We have called the hotel multiple times who said the extra {$800.00} was a deposit in case there were any room damages, but they didnt find any damage and the charges will be returned to us. Neither of us got our deposits back after trying for over a month despite them telling us repeatedly the funds will be returned. I never signed anything for this {$800.00} deposit in the first place and was never told about it when asked to pay for the meal. I never signed anything to pay this extra deposit and after looking at reviews of this hotel online many people have written about similar made up charges while staying at this hotel. 
I filed a claim with my bank ( chase ) who told me I need to send them a written statement online through their website. I wrote them a statement and sent it over to them as they asked. After about a week they closed my claim and said they never received the documents despite me sending it to them exactly how they asked. I tried this two more times both times with the same result of them closing my claim and saying they never received my document. 
Finally I spoke to another agent after having my claim closed 3 times who told me their messaging system on their website does not work and they wont receive my documents that way. Up until this point, the agents have told me to send my documents through the website. She tells me I need to go to chase bank and send it through fax in the bank. 
Today, they finally received my letter and they tell me they cant fix my claim because too much time has passed since the hotel made this charge on my card. I tried to explain that the only reason so much time has passed was because they were giving me wrong information on how to send my statement but they said there is nothing they can do.

Company response to consumer: Closed with explanation