BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-02
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I have no clue Im just now receiving a summons in the mail telling me to appear for court. XX/XX/2019and this is the first Im hearing about someone suing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
XXXX XXXX serviced our furnace. That night the furnace exploded spewing soot and the fire depart was called. At that point we had other option other than buying a new furnace for {$3100.00} from XXXX, XXXX on XX/XX/XXXX. The owner worked on the furnace for several days, but could not get the heater run. If that point he asked for an additional {$600.00} which I didnt want to pay and after that no longer answered our calls and left us with no heat in the middle of winter. I called Capital One to dispute a charge, and they made a temporary credit my account. I had to call another company and they were able to get our heat running. At that point since we use the new furnace, I called Capital One to explain that we were able to resolve our problems and please remove the dispute and close our case so the vendor could be paid. That was on XX/XX/XXXX. 

The vendor says he has never gotten the released funds and Ive been calling capital one every day since the XXXX and they will not help me. Theyve sent me a letter saying the case is closed but I had a hard time talk to a supervisor. Ive asked them to do an audit on the transaction and see where the money went and they will not do it. Ive asked to speak to a supervisor and I was told they are administrative only will not get on the call. Ive asked for the corporate number at capital one and they will not give it to me. The money was released from my account on the XXXX, but it never was received by the vendors bank. Ive had a gentleman claiming to be an attorney contact me for the past two days to demand I pay them. I explained I cant pay him again because its a fun show up that he would get double the pay and I cant afford that. Today he told me that there is a lien on my house I have until XXXX XXXX  tomorrow to give them money XXXX in interest and legal fees. Ive also been told theres a warrant in debt and the police are going to come arrest me and will be unable to sell her house in two weeks because they placed a lead and started the process for forclosure. Im skeptical that this is actually an attorney because the number goes to collection agency but they are strong arming me and threatening me as is the vendor I have called Capital One at least 15 times and told him Im customer I need support and I need to help me find where the money is and I cant get anywhere. No one will help me. They told me its out of their hands its been released and theres nothing they can do to help me. Please help me resolve this issue and get the vendor paid XXXX to be released. Thank you very much XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: TX
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 convergent Account XXXX XXXX XXXX, XXXX XXXX OF EDUCATION XXXX, XXXX XXXX XXXX  XXXX XXXX has violated my rights.

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

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 2023-03-08
Company: U.S. BANCORP
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
US bank without my consent withdrew extra money from my account. They also claimed that they paid taxes on XXXX but it was not paid until the XXXX XXXX  XXXX which I ended up requiring a late fee. I was told and have a voicemail that they will pay the late fee and will return the money that was illegally taken from my account ( 233.88 ) dollars on XX/XX/XXXX. 

Now that this point this should have been resolved. However instead of returning the XXXX dollars back to my account. They took it back again. At this point they illegally took XXXX dollars from my escrow with out my consent. The second type they withdrew it was labeled as mortgage disbursement and the first time it was labeled as tax disbursement they never sent money anywhere. On XX/XX/XXXX, they took another XXXX labeled as mortgage disbursement. 

This should not be the case. They illegally took money from my account. And it seems that they are taking money out of my escrow as a mortgage disbursement. 

This looks like https : XXXX Violations for this complaint : Charging consumers unauthorized amounts. Our report found that, in some cases, mortgage servicers overcharged borrowers for services or added fees outside of their loan terms, including for home inspections and Broker Price Opinions. 
Misrepresenting mortgage loan transactions and payment history in online accounts. Examiners found that servicers provided inaccurate descriptions of payments and transaction information, which may have misled borrowers.

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 2020-03-26
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX keeps refuses to remove a debt of $ XXXX from my report after i have filed multiple disputes atating that this was due to identity theft. I have never had XXXX XXXX XXXX as a phone company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Sir, I will try to be brief, My wife and I applied on line for the quicksilver capital1 visa credit card, the on line advertisement stated, spend {$500.00} or more on purchases, receive {$150.00} cash back. We spent {$620.00}. When my credit card statement came, I called to redeem my cash back bonus, they told me that the rules have changed, and you were no longer entitled to the {$150.00} cash back bonus. 
To me this is consumer fraud, we were so mad, that we cancelled the card, but I still owe them the {$620.00}. 
They lied and deceived us, what can I do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-09
Company: JPMORGAN CHASE & CO.
State: NH
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 cash advances

Complaint:
On XX/XX/2020 I purchased some XXXX printer filament on XXXX via my Chase Credit card through XXXX. On XX/XX/2020 Chase charged me a XXXX dollar cash advance fee. My purchase did not involve any cash advance. I was simply buying a product. At no point during the transaction were any financial services or fees mentioned. XXXX explicitly states that no cash advance fees will be assessed for this kind of purchase on their website, as described in the following link : XXXX XXXX XXXX Upon reviewing my bills for last year I noticed this fee, and have twice called Chase in an attempt to resolve this issue. They refused to remove the fee during both instances. I have read several online forum threads discussing this exact topic ; Chase or other banks charging a cash advance fee when an item was bought with one of their cards on XXXX through XXXX. Many posters in those threads stated that Chase DID refund the fee. I am disgusted about being charged for something that did not happen, and I am even more disgusted that I did not get equal treatment as other Chase customers. Below are a few links to online discussions about this matter : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-13
Company: Kikoff Inc.
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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Comenity Bank handles XXXX XXXX XXXX credit card accounts and payments, There is a mistake on my XXXX XXXX statement ... XXXX amount I owe is incorrect. 
The XXXX statement with payment due XX/XX/2022 showed a balance of {$720.00} but I bought items that totaled {$220.00} on XX/XX/2022 increasing my balance to {$940.00}. On XX/XX/2022, I paid the entire balance which was {$940.00} ( instead of what I meant to pay which was {$100.00}. I called and asked for a refund of {$840.00} leaving XXXX XXXX with {$100.00} and my balance at {$840.00}. But it is not. 
On my XXXX statement where payment was due on XX/XX/2022, I have a balance of {$1800.00} because on XX/XX/2022 you gave me a payment adjustment of {$940.00} and then on XX/XX/200 you gave me a credit balance refund of {$840.00} which was unnecessary and incorrect. The {$940.00} payment adjustment is an error and should be removed because I did not receive a payment of {$940.00} in my Bank XXXX XXXX account -- I only received {$840.00} in my Bank XXXX XXXX account. 
My balance should be {$840.00} ( {$940.00} minus {$100.00} ) However, the {$100.00} payment is not reflected on the XXXX bill where payment was due on XX/XX/2022. My bank, Bank XXXX XXXX issued, me an {$840.00} from you. They clearly understand what happened, which was refund back to me all but {$100.00}. XXXX Bank XXXX XXXX statement does not show an additional {$940.00} refund from XXXX XXXX -- so my XXXX XXXX card statement should not either. 
You have to adjust my statement because you have an adjusted my payment of {$940.00} ( which was a refund ) and then charged me {$840.00} for refund againwhy do you have XXXX refunds/payment on my account? Your mistake is messing up my XXXX XXXX as outstanding balances affect your score. Moreover, I am being charged for interest an incorrect amount- {$1800.00}. 
I will attach my last XXXX XXXX bills for XXXX, XXXX and XX/XX/2022 and XXXX Bank XXXX XXXX statement for XX/XX/2022. How did my balance go from {$720.00} to {$1800.00} with only {$220.00} worth of purchases? It did not, you made a mistake by charging me twice for only XXXX refund!!!! My XXXX XXXX XXXX statement still has the incorrect balance owed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-03
Company: Franklin Collection Service, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXXaccount was closed due to lack of services from XXXX XXXX. I had no reception even when it was not raining. They were never able to correct the problem. I closed the account but they charged me for closing the account. My monthly payments were always paid even though I never had acceptable TV service. I am disputing this closing fee since I had to get service from another company because XXXX could not provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
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: Personal information incorrect

Complaint:
Personal Information is incorrect. These credit bureaus are not even major companies but LLC companies and is adding anything to my credit report. 

The following is incorrect. 

XXXX XXXX XXXX is not me as I have stated numerous times before. Also, anything attached to this last name does not belong to me. 

I have attached my drivers license for your records. Also, my information is for verification purposes to correct my credit report. It is not to be shared with anyone else outside of the credit bureau to validate information from any outside company. Because they should have that information on their own if they are trying to validate a debt. If my information is shared outside of the credit bureau and continue to appear. I will be contacting my attorney.

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 2022-04-11
Company: FIRST ADVANTAGE CORPORATION
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I received my background check that was conducted by First Advantage. When reviewing the document I noticed that my XXXX XXXX information was flagged. The information that is listed is incorrect, or not up to date. I have a class D Non Commercial Driver 's License that was issued on XX/XX/2021. In the record reported by First Advantage it is listing that I hold a permit. That is incorrect, and the error could possibly be used against me, or jeopardize me from obtaining employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent multiple disputes to hunter Warfield stating that the debt on my credit report to bristle properties is incorrect ... i paid what i owed and the amount they put off on me should have never occurred because the property manager at the time promised he had a person to take over my lease when my husband and i had to move to another city due to a medical emergency my husband was facing at the time. They still will not take it off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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.

has violated my rights. Or list of inquiries 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 2023-01-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, I ordered an XXXX video game system from XXXX using the XXXX XXXX All Access plan, which is a payment plan where you pay a monthly fee over XXXX  years to pay off the XXXX and get access to their subscription service ( it's like a phone plan ). I received the XXXX, but it stopped working within a few days. XXXX had no replacements available so I had to return it. I mailed the device back on XX/XX/XXXX, which was confirmed by XXXX. On XX/XX/XXXX, I received an e-mail asking from Citizens Bank ( which administers the XXXX XXXX plan ) asking for payment. I called them and explained the account was cancelled, and sent them documentation vial e-mail on XX/XX/XXXX. On XX/XX/XXXX, I received a statement showing no balance was due. On XX/XX/XXXX, I received alerts from my credit card companies that my credit score had declined significantly. I checked online and saw that XXXX and XXXX said that I had a delinquent account from Citizen 's Bank, reported in XX/XX/XXXX ; I checked the details, and it doesn't indicate any amount due and doesn't say missed payments or anything like that. I filed disputes with XXXX and XXXX, but I have not heard anything. I've been trying to call Citizen 's Bank, but the people I've talked to don't know how to fix this. My credit score has gone down by XXXX points for literally no reason!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Trans Union is in Violation of Reporting Unauthorized Inquires 15 usc s 16881 b ( c ) ( 1 ) ( a ) All Inquires are Misleading False and Fraud Under 15 U.S Code 1681b Please Delete All Of The Fraudulent Inquires From My Credit 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 2023-02-23
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX CENT XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX Balance : {$14000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Debt collection agency wont provide proof that the account in question is mine. Nor can they show me how they came to the amount they are claiming I owe. They update the file regularly to make it appear as though its a new account but if its what I think it is, this is from 10 years ago. When they update my file it hurts my credit because it looks like a new collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: CBC Companies, Inc.
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 information incorrect

Complaint:
I have a New Credit Inquiry on my credit report that I no nothing account. 

The hit is from : FACTUAL DATA. 

I monitor my credit report weekly. 

This hit showed up on XXXX and XXXX. 

I need your help to get this off my credit report. 

Thank you, XXXX

Company response to consumer: Closed with explanation