BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-24
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Attention PENFED CREDIT UNION you were recently sent a packet of Notices to you PENFED CREDIT UNION to correct some errors in Billing as you are currently attempting to collect alleged debts from me, the natural person, private individual, consumer and Original Creditor involved in these consumer credit transactions/sales. As the original creditor I do NOT owe you any alleged debts and there is no documentary evidence of such allegations. After review of these statements I have discovered there is a serious error in Billing reflected on statements that have been sent to me so you have received a verified Billing Error form from myself in order to correct the errors that I have found with the referenced account. Your accounting records if maintained accurately and in accordance with Generally Accepted Accounting Principles as [ GAAP ] as required by 12 USC 1831n and highlighted by Federal Reserve Publication Modern Money Mechanics, will show a total bank liability to me In the amount of {$25000.00}. You have been notified in this Billing Error Notice of this error and are required by Federal Law Pursuant to 15 USC 1666 to issue me credits as directed. You have also received a Notice Of Opt out which requires you to remove all reporting of my private, personal and confidential information to any credit bureau, credit agency or credit repository, again PENFED CREDIT UNION you must immediately cease reporting of any information to the credit reporting agencies pursuant to the aforementioned section of Federal Law. Refusal to comply with these demands and Federal Regulations will result in further legal action. If your claims to this alleged debt hold any merit you will have no issues complying with the Freedom Of Information Act Notice and providing the demanded documents and appropriate attestations under notary seal as demanded in this document and pursuant to FOIA 5 USC 552 and FDCPA 15 USC 1692. Ignorance of the law is no excuse for your negligence and your Silence is Acquiescence! Should you default on these notices that Have been Notarized and are now legally applicable as evidence of your willful negligence I will not hesitate to pursue these matters to the full extent of the law. This is my attempt in good faith to rectify these matters and errors prior to taking any further required legal action.

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 2023-10-16
Company: InDebted Corporation
State: CO
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I made an agreement with the debt collection through XXXX XXXX  to pay a monthly payment for the agreed total amount that I owe they refuse to send me a copy of the agreement of the amount remaining and the monthly payment I called XXXX XXXX  and talk to XXXX who is the debt collector he says I don't have any right to a copy of any of that and refuse to give a copy to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: NY
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) , the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
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:
The item that I am disputing is the following : 5/3 BANK NA XXXX The reason that the item is inaccurate is because I was never late. Please look my bank statements that I have attached to this letter. The correct information should be : Paid on time, NEVER LATE. So I am requesting that it be changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
On XX/XX/2020 I the Consumer entered a false and deceptive form pursuant to 15 USC 1692 ( j ) with Capital One Auto Finance. I was violated on my rights as a Consumer. Capital One Auto Finance has communicated with me on several unreasonable times alleging I the Consumer owe a debt. In the false and deceptive form that I was aggrieved in I was not offered Insurance with my Finance Charge in clear violation on 15 USC 1605a ( c ) .The total amount of the finance charge on the false and deceptive form was XXXX . I am disputing any debts alleged owed by me the Consumer and I am requesting all past payments be directed back to me including down payment cost in sum total of XXXX pursuant to 15 USC 1692h.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Experian Information Solutions Inc.
State: NC
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: TD BANK US HOLDING COMPANY
State: NJ
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/2020. I randomly received a text from a claimed caller ID TD Bank said Fraud Alert about a transaction for {$500.00}, I denied acceptance. Then I immediately received a call from TD bank # that someone was trying to take money & they would stop on their end. They sent me a XXXX request & told me to hit yes. It concerned me, but I did because it was the " BANK '' They did this for 2 transaction {$600.00} & {$400.00}. I called Bank, then I Filed a police report once I checked my account after the weekend and realized they didn't stop, but took money. The bank gave me a provisional credit, then took money back in XXXX because I hit Yes for XXXX. This was a Phishing Scam. I did because I thought I was speaking with Bank & Trusted. I feel so violated and this has never happened to me before. I am not liable for this money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-26
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have a Citi Double Cash Card Which I used for their introductory Balance Transfer and Interest Rate promotions of 0 % and 1.99 %. Unfortunately I was Taken Advantage of an outside COVID Scam claiming to pay outstanding Credit Card Balances if I was affected by COVID. I'm a XXXX XXXX   owner that has been greatly affected by COVID, so I 'applied ' and was then given banking information to pay my outstanding CC Balances. I attempted to pay my Citi Double Cash Card Balance with the COVID scam Banking information, and of  course the payment was later returned ( however I had already satisfied the minimum payment due from my personal account, which had cleared, so I wasn't late or missed a payment ). Citi then took the returned payment amount and applied over 90 % of it to a 'Standard Purchase ' increased rate of 23.49 %. I contacted them and described the situation that I was taken advantage of in a COVID scam, and that the original Purchase/Balance Transfer was completed under the introductory promotional interest rate ( which had not expired ) and asked that the returned payment amount be applied to the interest rate that the original transaction originated from ( I was even willing to accept a returned payment fee ). They said there was nothing they could do but return the initial interest fee, but now I'm stuck with a balance that was at 0-1.99 % Interest and is now at 23.49 % which will obviously cost me significantly more in interest over time. To add insult ... When I struggled to make additional payments over the minimum amount due to make up for the interest hike, they applied all additional payments to the remaining small balances on the 0-1.99 % interest rate. Cardmember Agreement states " If you pay more than the minimum payment due, we'll apply the amount over the minimum payment due first to the balance with the highest APR ''. I again contacted CITI to discuss the payment allocation, and CITI representatives only continuously repeated what the cardmember agreement states and not how it applied or was incorrectly applied to my account. When I kept stating that I paid $ X over the minimum payment and my 23.49 % highest interest balance did not decrease, only the 0-1.99 % balances, they ignored my facts, and eventually ended the conversation abruptly. I read through the entire cardmember agreement, and didn't see anywhere that it states returned payments would be applied to the 'Standard Purchase ' Rate. Additionally, CITI double Cash Card offers Cash Back on Purchases and Payments, but my returned payment amount even being labeled and applied to the 'Standard Purchase ' rate, doesn't qualify for the purchase and repayment cash back 'promotion '.

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 2020-09-26
Company: Experian Information Solutions Inc.
State: TN
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 now have filed 3 dispute letters with each credit companys i have been a victim of identity theft and these accounts was taken out in my name without my consent causing my family and business to suffer greatly. I am writing this due to non-compliance with ( XXXX, Experian, XXXX ).  They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$11000.00} ; XXXX XXXX XXXX XXXX Balance : {$41000.00} ; XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX XXXX XXXX Balance : {$790.00} ; XXXX  XXXX XXXX Balance : {$460.00} ; ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$150.00} ; DEPT OF EDXXXX XXXXBalance : {$0.00} ; DEPT OF EDXXXX XXXX Balance : {$0.00} ; DEPT OF ED/XXXX XXXX Balance : {$0.00} ; DEPT OFEDXXXX XXXX  Balance : {$0.00} ; DEPT OFEDXXXX XXXXXXXX Balance : {$0.00} ; DPT EDXXXX Balance : {$0.00} ; DPT EDXXXX XXXXBalance : {$0.00} ; DPT EDXXXX XXXXXXXX Balance : {$0.00} ; DPT EDXXXX Balance : {$0.00} ; DPT EDXXXX XXXXBalance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX  Balance : {$0.00} ; DPT EDXXXX XXXXBalance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX  Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09
Company: EQUIFAX, INC.
State: SC
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:
The first round of letters I wrote to all 3 credit bureaus XXXX, XXXX, and Equifax on XX/XX/2021. Demanding that the things being reported on my credit report needed to be removed. I never gave them written consent to furnish anything on my report pursuant to 15 USC 1681b ( 2 ). No consent is identity theft! They only thing that I got from XXXX and Equifax was a credit report with nothing removed. XXXX never responded during the 30 days provided after the certified mail receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: Experian Information Solutions Inc.
State: AL
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:
On XX/XX/2020, a sales person contacted me from XXXX XXXX advised that I was able to trade my vehicle in with no down payment with this program that they have because I had my vehicle for over a year and was making good payments. I advised that I was not trying to have my credit pulled was in the purpose of trying to purchase a home. The promise and guarantee me that only XXXX would pull my credit, and that not the case server lenders pulled my credit without my permission.

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 2018-10-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am on a mortgage loan with my ex-husband on a home that we bought when we were married. He lives in the home now and makes the mortgage payments. I am not involved financially at all. The mortgage company changed his payment from {$850.00} to {$870.00} in XXXX of 2018. Since his payments of {$850.00} a month were being debited automatically, he was not aware of the {$20.00} increase per month. By XXXX he was about {$130.00} behind on his payments, not nearly an entire month late. The mortgage company proceeded to report both of us to the credit bureaus as 30+ days late. My score dropped nearly 100 points. I have been working for 20 years to get my credit score close to 800 and now it is ruined. I have sent a letter to the mortgage company explaining all of  this and they have not responded. I need assistance with reversing the negative information on my credit report AND removing myself from the mortgage all together. The account has been brought up to date in the meantime. Thank 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 2023-07-17
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: KEYCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I received a mail solicitation from KeyBank, offering a {$500.00} credit if I opened a new checking account that would receive a single direct deposit of {$500.00} or more. 
I opened the account on XX/XX/XXXX, and the first ACH deposit ( from my employer ) was in the amount of {$1000.00} on XX/XX/XXXX ( my first pay date following opening the account ). Subsequent ACH deposits have followed. 

The specific commitment made was " Your gift will be deposited within 60 days of meeting requirements '', which requirements were met with the XX/XX/XXXX deposit. 

I have repeatedly contacted the bank, been promised action, and they have failed to complete the crediting of my account, without explanation. 

The specific offer code was XXXX, which was supposedly encoded into the account when I opened it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am on a mortgage loan with my ex-husband on a home that we bought when we were married. He lives in the home now and makes the mortgage payments. I am not involved financially at all. The mortgage company changed his payment from {$850.00} to {$870.00} in XXXX of 2018. Since his payments of {$850.00} a month were being debited automatically, he was not aware of the {$20.00} increase per month. By XXXX he was about {$130.00} behind on his payments, not nearly an entire month late. The mortgage company proceeded to report both of us to the credit bureaus as 30+ days late. My score dropped nearly 100 points. I have been working for 20 years to get my credit score close to 800 and now it is ruined. I have sent a letter to the mortgage company explaining all of this and they have not responded. I need assistance with reversing the negative information on my credit report AND removing myself from the mortgage all together. The account has been brought up to date in the meantime. Thank 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 2023-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit 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:
I hold a credit card with Bank of America. On the XXXX XXXX XXXX XXXX XXXX XXXX I noticed unauthorized transactions made in Delaware, despite my location being in XXXXXXXX XXXX I promptly reported these fraudulent activities to Bank of America. After enduring a wait time of approximately 20 minutes, my call was received, and a fraud claim was registered on my behalf. 

A few days later, I was relieved to find that the stolen funds had been returned to my account. However, to my surprise, the fraudulent amount is now appearing on my statement. In an attempt to resolve this issue, I contacted Bank of America once again. They provided me with a number associated with my existing claim but unfortunately, my calls are not being answered. Each attempt results in a waiting period of around 20-25 minutes.

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