BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-09
Company: Experian Information Solutions 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:
Last XX/XX/2018, I sent this company a copy of my FTC ID THEFT REPORT, a copy of my dispute letter requesting them to remove erroneous accounts due to fraudulent account opened on my credit report. On the letter I sent to this company, I quoted the stipulations of FCRA 605B which state that " a reported fraudulent accounts, with proper required documentation, MUST be removed within 4 business days upon receipt ''. First and foremost, the company took more than the required time to remove a fraudulent reported account from my report. And then to my surprise, this company continues to report this fraudulent account. For yet another time, my FTC report attached clearly shows this fraudulent accounts which I need to be deleted asap : XXXX ACC # XXXX XXXX XXXX   XXXX ACC # XXXX XXXX XXXX XXXX XXXX ACC #  XXXX XXXX XXXX ACC #  XXXX XXXX XXXX  ACC # XXXX XXXX XXXX ACC #  XXXX XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC #  XXXX XXXX XXXX ACC #   XXXX XXXX ACC #  XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC #  XXXX XXXX XXXX XXXX ACC #  XXXX XXXX XXXX XXXX ACC #  XXXX XXXX XXXX ACC #  XXXX. Am looking at legal proceedings if this company does not delete this fraudulent accounts from my credit report. Attached here with the earlier dispute I sent to this company and my FTC report.

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 2023-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
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:
Please reference case XXXX. Although your office has closed this case it is obvious no one has seen to the matter I delineated in my complaint. The gist is that Capital One has repeatedly ignored my the substance of my correspondence with them. I need PROOF that I agreed to XXXX XXXX XXXX 's terms at the time I became a subscriber of there service. That is they must provide a dated signed copy of the contract I entered into that allows them to keep the entire months fee rather than prorating that fee based on my cancellation date. This has been ignored REPEATEDLY. The last thing I received was a few pages that XXXX XXXX XXXX supplied that they think is sufficient. It is not. There was NOT the signed copy of the contract I require. It appears they sent a copy of the last bill they sent me along with a few assorted pages. ALL OF THE PAGES received are COMPLETELY UNREADABLE! Please review these pages and you will see just that that NO ONE could possibly read them. Therefore I have not received any justification for XXXX XXXX XXXX to attempt to charge me the entire months fee. As I have pointed out to you previously Capital One simply passes on this eyewash and denies my dispute. In addition as I've since seen on your website Capital One is banned from charging fees/interest in this dispute, but as of today XXXX XXXX they are doing just that to the tune of {$74.00} thus far. Someone needs to get their attention! I have been way more than reasonable in this matter. I have spent hours on the phone with Capital One, composed letters, emailing these letters at least 4 times. I was informed these emails were not forwarded to the dispute resolution team as they should have been so I again submitted my documentation, this time through their inconvenient " link '' process. Again, no one will address my issue at hand. How can these corporations be allowed due business in this manner?? Why is it that a convenient email can not be used to communicate with them.? It is obvious that they throw up as many roadblocks as possible to have someone " just give up ''. So, I am again requesting that your office make Capital One and XXXX XXXX XXXX do their jobs and provide me with the proof I require or admit that their claim is invalid. Please, please, please spend the time required to ensure they do just that. Thank You Very Much For Your Time

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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 Bank of America account # XXXX and XXXX XXXX Bank account # XXXX, have violated my rights. 

15 USC 1681 Section 602 state 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-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
Consumer complaint received 2022-04-02
Company: Securus J Holdings, LLC
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
This complaint is regarding Jpay LLC. The site allows you to send money to inmates at any facility and also to have video visits which are {$9.00} each. I scheduled 5 video visits totaling {$50.00} and will not be able to have them because my inmate has been moved to a facility that does not yet offer these services. I contacted Jpay to see if i could have my funds used to purchase stamps through them instead and was told that the money could only be used for video visits. No where in the disclosure does it state that in the event an inmate is relocated you can not use your monies toward something else if available. Jpay wants to keep my money instead of allowing me to apply it toward another one of their services. I am not asking to have the monies refunded, i am simply asking that the monies be used to purchase stamps. And also the representative i dealt with was extremely rude. I requested to speak with a supervisor and not only did she refuse to honor that request, she also hung up on me. Their number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Fifth Third Bank will be closing my account within the next 35 days due to undisclosed " risk factors ''. I've been a Fifth Third Bank customer for the past 6 years with an impeccable record. I've only used my account to receive deposits from my employer and make payments to my credit cards, car, and rent payments. The average balance has always been about {$14000.00}. There's nothing crazy going on. Fifth Third Bank came out of the blue and closed my account without a reasonable explanation. This is unfair and I consider this a really bad practice. Furthermore, they're arbitrarily prohibiting me from doing business with them after multiple years of a good relationship. 

Please help dispute this arbitrary decision to make Fifth Third Bank revoke it. There's no real reason to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
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:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to my 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 under an a credit card account under an open and consumer credit plan as late for any purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: Experian Information Solutions Inc.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. An identity thief used my personal information without my permission to make the following charges : In accordance with the Fair Debt Collection PracticesAct, I am asking you to immediately stop all collection activities about this debt, including reports to credit reporting agencies. I also ask that you tell the business where the account was opened that this debt is the result of identity theft. I have attached documents from the Federal Trade Commission- NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA and the identity theft letter.

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 2023-09-15
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:
XX/XX/2023 reviewed my credit report for accuracy and reporting and seen they were multiple accounts with inaccurate reporting, Ive sent the credit bureaus multiple letters ( XX/XX/XXXX, XX/XX/XXXX ) requesting to fix improper reportings, or have it removed, Ive received multiple letters regarding issues were fixed and accurate but I am still having issues because account accuracy still shows improper and have requested multiple verifications for investigation, and have not yet received, or seen change.i seek immediate resolution. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Fraudulent Account Appearing On Credit Report. 1. XXXX XXXX XXXX {$4600.00}

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 non-monetary relief
Consumer complaint received 2018-04-09
Company: EQUIFAX, INC.
State: GA
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:
RE : DELETIONS TO CREDIT REPORT Dear Equifax, XXXX, XXXX : I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Account # Reason for Deletion : XXXX XXXX- XXXX Incorrect Original Amount of Debt Incorrect Payment History-Account was paid on XX/XX/XXXX. Not reflecting on any of my three credit reports.

Incorrect Date Open on the Account- All Three Credit Reports State that that Account was opened inXX/XX/XXXX which is Incorrect Two Different Original Amount 's Owed On The Account. All Three Credit Reports Is Inconsistent With Original Creditor XXXX XXXX XXXX Account. All Three Credit Reports Stated The Amount Is {$220.00}. But Original Creditor XXXX XXXX States {$210.00}.

I AM ENCLOSING PROOF FROM ORIGINAL CREDITOR " XXXX XXXX '' According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

If you have any questions or need additional information, please contact me at address noted below.

Thank you. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My spouse and I had a joint Citi Priority account with Citibank , N.A . We closed the account because it no longer met our needs. We withdraw funds from the account to do so, but accidentally withdraw {$0.00} too much ( XXXX cents ). When we realised this, we transferred {$5.00} to cover the {$0.00}, and closed the account. 

Citibank, however, kept the account open because it had a balance associated with it, and then began applying both monthly service fees and overdraft fees on these monthly service fees. Three months after we closed the account, we have begun receiving repeated collection notices for an increasing overdue amount that grows each month, even though the account has now been closed by Citibank. The amount that Citibank now says is owing is {$120.00}. They have been sending mail requiring payment every few days. When we tried to call them, the representative went through Citibank 's rationale for all of their charges, put us on hold, and then the line went dead. 

This seems unreasonable, at a minimum. We would like Citibank to stop sending these notices and to admit its mistake in not closing the account when requested to do so. We are happy for them to keep the {$4.00} or so that we overpaid.

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 2020-08-13
Company: Continental Finance Company, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never received any communication from XXXX XXXX XXXX, and they put a collection on my credit report. They told me that they received the collection on XX/XX/2020, and it was placed on my credit report XX/XX/2020. That is 9 DAYS LATER. Again, I DID NOT receive notification from them AT ALL, and you are supposed to have AT LEAST 30 days to get in touch with the client, verify, etc. Once I saw that this was reported to my credit report, I called the company, and they told me that they don't reach out to clients, and that they could not send me notification until I contacted them. How am I supposed to contact them if I never knew I had a collection until it hit my credit? They were supposed to contact me.

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
Consumer complaint received 2019-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On or around the date supplied, I called Capital One to verify I was in collections with them. I called Capital One to verify this debt when I was advised that there were 2 closed accounts that needed attention. I worked out a payment arrangement to get them both paid off so I can work on rebuilding my credit. After 5 years, and trying to apply for a mortgage, I find out that Capital One did not close my other account. Upon inquiry of the open account, they claim I only paid 1 of the 2 accounts that I had open. I told the person I spoke with that I called Capital One to pay them both off, and said informed me that I must have been routed to a 3rd party collector, as when someone who is in collections calls, the system automatically routes them to the third party. I was unaware of this. The person I spoke with in the initial call informed me that both accounts were going to be paid upon, when the last person at Capital One informed me that he gave me incorrect information, and I would only be paying on one account. Since this person was speaking on behalf of Capital One, and seeing as how the account has been charged off, and Capital One has been paid to this account, I only find it fair that they take this off of my credit so I can proceed with my mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: Loan South Finance & Tax Service of Troy, LLC
State: TN
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/2023 XXXX XXXX I believe thats her name ) from service loans located at XXXX XXXX XXXX XXXX XXXX tn XXXX contacted my mother XXXX and told her that I needed to contact her in reference to my past due account. I know there is privacy laws when it comes to personal loans. She isnt able to let her know what the call is about just who she is.It was very unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-13
Company: BARCLAYS BANK DELAWARE
State: NY
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:
I noticed a charge to my credit card for XXXX ( XXXX ) in XXXX of XXXX. I notified Barclay 's Bank ( credit Card provider ) and they conducted an inquiry which they state I had enrolled in auto renew with XXXX and the claim was denied. I did a deeper dive and found that XXXX had my expired credit card on file in my profile, this credit card expired in XX/XX/XXXX, additionally I have auto pay turned off on my account. I have been charged for the past three as well since the card on account had expired. XXXX advised that they received the updated credit card which included a new account number, activation and XXXX code from Barclays bank as the credit card on file with them had expired in XXXX. 
I spoke with Barclays and the confirmed that they would update a merchant request for auto payments needed when a card has expired or changed. I asked Barclay 's if they confirmed that auto pay was on or off and they stated that they do not require this information for updating a card. 
( I have uploaded the screen shots of the XXXX account and they do not have personal Identifiable information on them ) Barclays Billing Disputes XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Address. XXXX, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX Thank you 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 explanation
Consumer complaint received 2021-10-19
Company: Velocity Portfolio Group
State: GA
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:
CKS Prime Investment has placed a listing on my XXXX XXXX XXXX credit files. I have have not received any validation or correspondence from this company

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 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My credit report states that one of the factors hurting my score is credit age which makes up a portion of your score The agencies are reporting my credit age as 5 years and I have adverse judgements opened on my report since XXXX  which would make my credit age XXXX and drastically change my score this is hurting me

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 2023-04-20
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:
Fraudulent Account Appearing On Credit Report. 1. XXXX XXXX XXXX  {$4600.00}

Company response to consumer: Closed with explanation