BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX i was at work and recieved a text asking if i had made a purchase, i didnt recognize it so i immediately called the bank that the account is associated with " capital one '' and i informed them i did not make that charge and while i was speaking to them i literrally watched as someone took XXXX out of my account and i was in panic mode telling capiral one to stop the transactions and that that was all the money i had to my name they assured me they would handle and i immediatly filed a claim for the missing funds. A day later they notified me by email and said they had concluded their investigation and that i had made the trans actions or at least addmitted to it. I was like what the f no i didnt so i called back and after hours of being transferred around i was rold that they had sent a text asking if i made the pur hase and i supposedly clixked yes which i didnt or if i did it was unbeknownst to me. So long story short they will not give me my money and i have done evwrything i can.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: EQUIFAX, INC.
State: MO
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 have been trying to dispute the {$390.00} for over a year now with multiple disputes. I have not received any items from this company. I have asked the company if they can provide me with the tracking number so that I track or see if the item was delivered. XXXX XXXX XXXX has refused to give me any information so I could dispute it with credit bureaus. This company has also added this on my credit report without notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am writing to express my deep dissatisfaction and concern regarding the continuous harassment I have been subjected to by Bank of America. For months, every seven-day period, I have received more than seven calls, often up to three times a day, every day of the week except Sunday. 

Despite my answering some of the calls, the bank continues to call me repeatedly after engaging in a telephone conversation with me about my particular debt of about {$12000.00}. I have explicitly asked for the calls to stop, yet was told that even if I make regular minimum payments, they would still call me regarding any past due amount.

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 2022-04-14
Company: Bread Financial Holdings, Inc.
State: GA
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 ordered some items and decided to return them. I used the pre-paid label that they sent and returned the items on XX/XX/XXXX. In XXXX I received a statement charging me for the returned items. I called and informed the company of this. They stated the account would be fixed. Well XXXX months later the account is not fixed and it has been reported on my credit file. I have called the company every month and still no resolution. I recently called the company and they verbally verified that they received the item back on XX/XX/XXXX. However no refunds were issued. XXXX XXXX is the company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: Modern Adjustment Bureau
State: CA
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:
Modern Adjustment Bureau. The bill in question was inflated by the doctor before collection company got it. Original amount of medical debt was highly inflated and no backup of was provided from collections company. Original letter states my credit will be ruined because of this debt. I offered to pay what I thought was the correct amount in XXXX 2020, they refused. I made a second attempt in writing in XXXX 2020, and specifically asked for any backup where the interest rate they were charging, was ever agreed to by me. They have been charging me in excess of 100 % interest rate on this bill. My calls to the company were never answered and never returned, so I have not been able to have a conversation with anyone about the situation. 
Modern Adjustment Bureau originally billed {$300.00} plus {$33.00} interest. Then they inflated the bill to {$410.00} in XXXX of 2020, XXXX last statement I received XXXX, and said they would settle for {$400.00}. The amount on my credit report is well over that and it goes up every month. 
I should not have to pay a mark up of 100 % on a medical bill that was disputed. This is ridiculous. Im not denying I owe a debt. Just that the amount they want is not right. 
My credit HAS been affected. I am trying to get it clear and this is creating a negative impression for me. Please help me, I am at my wits end with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: CAINE & WEINER COMPANY, INC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have this collection agency ( Caine & Weiner ) trying to collect a debt they allege I owe to XXXX XXXX but I have asked more than once on the phone and by email what this debt is for as I have no clue and I can not get an answer. When I talked to them on the phone they threatened to mess up my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: Stearns Ventures, LLC
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
MY VA HOME-LOAN WITH XXXX VS XXXX XXXX XXXX : REFUSED TO FOLLOW VA LOAN PROCEDURES AS FAR AS : NO CLOSING COST, TAX-EXEMPTION SINCE, I AM XXXX XXXX   XXXX VETERAN. PLUS ITS A SINGLE STORY HOME, NOT A TWO STORY HOME. AMONG OTHER UNSCRUPULOUS CONDUCT DEEMED TO BE BIAS AND DISCRIMINATION AGAINST ME BEING A XXXX FROM THE " U.S.TERRITORY '' OF THE XXXX XXXX XXXX. I ADDRESSED THIS ISSUE TO THEM SEVERAL TIMES, AND THEY IGNORRED ME TOTALLY. AS WELL AS THE STATE OF NEVADA ACCORDING TO TAX STILL ADDING TO MY ESCROW STILL. DEEMED TO BE IN VIOLATION OF MY CIVIL LIBERTY RIGHTS, AND, Fundamental Right : been violated by the state of Nevada, as well as XXXX XXXX XXXX, for refusing to remove the tax exempt from my Escrow payment ever since. Due Process Clause of the Fourteenth Amendment substantive due process under ( DUE PROCESS ) : STRICT SCRUTINY. WHICH MATTER LEFT ME AND MY WIFE OUT IN THE DARKNESS AS CITIZENS OF THE UNITED STATES OF AMERICA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name : XXXX XXXX XXXX Account number ending in : XXXXXXXX XXXX 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. 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2021 I attempted to redeem {$280.00} in cash back rewards from Chase Credit Card into my XXXX XXXXXXXX savings account. On XX/XX/XXXX I received a letter from Chase that said " your financial institution denied our request for deposit to the account you provided, so we returned the rewards to your account. '' However, the rewards were never actually returned back into my Chase account. 

I called customer service and they told me that my bank had rejected the deposit but had not sent back the money yet, and so they were waiting for the refund before putting the rewards back in my account. I was given a trace number, which I gave to XXXX XXXX and they confirmed that the money was sent back to Chase. 

I called Chase customer service again to let them know the money was sent back. They said they would escalate the issue and I would receive a phone call. I never received a phone call, but I did receive one more letter saying that they were unable to fulfill the request. I called customer service again and was sent to a manager. He told me that once a cash back request was made, there was no way to put it back into the rewards account, even if it was rejected by the bank. This directly contradicts all the information I was given prior to him, both by phone call and in letters. However, he was insistent that there was nothing more they could do and that the {$280.00} would not be given to me. He also insisted there was no one else I could talk to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved. 

XXXX & XXXX XXXX XXXX XXXX XXXX XXXX off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
SUBJECT-FEES CHARGED AS RETURN CHECK FEE DESPITE PRIOR CANCELLATION OF AUTOMATIC PAYMENT Dear Sir, This is to bring to your notice that my credit card company-CITIBANK ( account ending XXXX XXXX ) has fraudently charged me an amount of XXXX $ on XX/XX/26 claiming RETURNED CHECK from my XXXX XXXX XXXX checking account.On enquiring , with XXXX XXXX XXXX, they have said citibank had tried withdrawing XXXX my checking account twice in succession on XXXX and XXXX of XXXX XXXXI had cancelled automatic payments to citibank well in advance of this date.Despite this citibank went forward with this transaction..On contacting citibank, they said there is no option to refund this charge at present.but would take care of such issues in future. 
Kindly take action against citibank and please refund me, the amount of {$41.00}, fraudently charged on my account resulting in me, sufferring undue mental stress and hardship. 
I have attached, my bank statement summary from citibank. 

Regards, 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 monetary relief
Consumer complaint received 2021-02-27
Company: Credit Systems International, 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:
RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. The first inquiry in question was apparently made by Credit Systems on XX/XX/2022 and I have no recollection of doing any business with Credit Systems. I am in the process of contacting Credit Systems but no phone number is on the credit inquiry. I would like a detail report of who this company is and why the company chose to file on my credit report before calling me or sending me some type of notification regarding this negative reporting. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-08
Company: T.S. Holdings
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Went to landlord tenant court with former landlord over dispute about them not remediating toxic mold in apartment and us having to leave everything behind because it was unlivable. Won in court. They were ordered to let us out of our lease and give us back our security deposit. They gave us nothing and tried to bill us XXXX dollars for removal of belongings we had to leave behind them sold the debt to IQdata international I believe fraudulently. Then when iq data contacted us we requested debt verification through certified mail back in XXXX. Received NOTHING from them. Called to ask them to take it off our credit they said simply no well take it off if you pay us

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
1. Amount of debt reported as owed is unverified 2. Inaccurate unverified and missing payment dates reported 3. Inaccurate unverified and missing payment amounts reported 4. Unverified reporting of address associated with the account 5. Request for documentation of a original consumer contract being signed agreeing to the debt have gone unverified. 
6. On XX/XX/22 The credit bureau was supplied A police report and identify theft were supplied verifying l did not authorize this account and it was acquired without my knowledge or concerns. 
7. Each requests for valuation of the debt have gone unverified.

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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I wrote to Transunion requesting an investigation into items that I believed were reporting inaccurately on my credit report. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you Please delete these accounts and reply within a reasonable amount of time.

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 2020-09-24
Company: PNC Bank N.A.
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020, I noticed two fraudulent charges on my checking account. I called PNC Bank in XXXX, PA and filed a complaint. I also called the company, XXXX XXXX, who couldn't even tell me what it was that I supposedly bought from them as I had not received anything at all nor had I ordered anything. Yesterday, XX/XX/2020, a representative that said she was with the fraud office, I was being given a XXXX XXXX for the whole amount of {$130.00}. After the investigation by PNC Bank, they found that in addition to the two {$39.00} on the XXXX of XXXX, PNC had found another three transactions dating back to XXXX of 2020, which was a total of {$52.00}. Instead of giving me the entire amount of {$130.00}, I was only given {$52.00}, which is still short leaving my account in the negative since the XXXX of XXXX. PNCs said they could only give me the first three and I would have to wait up to 90 days for the remainder of {$79.00}. 

My compliant is that the two charges of {$39.00} on XX/XX/2020, should have been paid as a Provisional amount first as it should not have gone through as it was charged on an account that was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: EQUIFAX, INC.
State: IL
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 profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: TN
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:
ON XX/XX/, Sent a letter to XXXX, XXXX, Experian, And XXXX informing them the information they are report to my consumer report is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation