BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-14
Company: HEARTLAND PAYMENT SYSTEMS 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:
I was never late on the paid off account listed above please show me documentation showing proof of transactions showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete this alleged late payment from my credit report. The FCRA allows 30 days for this to be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
In XX/XX/2022, I contracted the services of a rental company ( XXXX XXXX ) I use to rent from them and other companies. As usual I paid online for the rental fee ( XXXX XXXX ) with my XXXX capital one platinum credit card. 
The day of collection a representative forced me to pay extra XXXX XXXX, saying the insurance was not included in the rental. 
Later I found out she lied. As the insurance was, as it is natural in the initial fee of XXXX. Of course there is no rental without insurance. I actually proved this with previous rentals from the same company. 

When I raised a dispute through my credit card company ( Capital one ) they issued the refund to my card. However, later they charged me the amount again, stating the company response : We did not get any other payment from the client as if this charge was the retal charge for the vehicle. 

I then called the company to deny this. They habilitated a link to upload proof, and two days later, when I uploaded the proof they close my case stating : Unfortunately, based on the information we have, we are unable to assist with your claim. If you still want to dispute the charge, please contact the merchant. 

I find it is not fair. After demonstrating im right with all the evidence, not having someone to really listen to you. Even it it was one single dollar, is not fair. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: Experian Information Solutions 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:
account takeover fraud, ID theft etc.recent recurrence, corrections needed in order to change personal info for safety-FTC, iC3 & police info below : XXXX : XXXX? XXXXXXXX XXXX XXXX XXXXXXXX? XXXX name should be listed as XXXX XXXX ONLY-no variations XXXX XXXX XXXXXXXX cards ( 2 ) -unauthorized charges already resolved w/ local police & FTC XXXXXXXX XXXX Card-account takeover fraud XXXX balance, never late , not a charge off=see FTC/police reports & immediately correct XXXXXXXX XXXX-account takeover fraud XXXX balance, never late, not a charge off=see FTC/police reports & immediately correct XXXX  XXXX-account takeover fraud XXXX balance, never late, not a charge off=see FTC/police reports & immediately correct

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 2021-05-13
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
It's disappointing to say the least the Navy Federal would commit to providing a VA loan with the short sale disclosed in the application process and having the assurance that it wasn't a problem only to find out that after more than two months of work and a bunch of inspections later that Navy Federalis going back on that promise. I have previously provided a thoroughexplanation of the short sale and if anyone knows about it, it's Navy Federal Credit Union. This could effectively cost me thousands and a lost home in the process so I am going to start with a complaint to the Consumer Finance Protection Bureau. Other veterans must have experienced this before and I'd hate to think more will in the future so I'm going to seek legal counsel on recourse in order to protect customers. The whole thing is shocking, I should be closing this month but I'm effectively back to square one and the buyer is desperate for money so it'll likely end up as a dead deal. I guess my question is how could it go through the approval process, all the information that was provided and allow the appraisal and all the inspections when this should have been a non-starter? Then it's ok to back out, that just doesn't seem like the operation I'd expect from a Credit Union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: U.S. BANCORP
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2023 I received a random ACH to my personal savings account in the amount of {$17000.00}. I called every brokerage and online account I use and no one could account for this transaction. The bank provided a phone number of XXXX XXXX XXXX which was a recording requesting personal information which I was not comfortable providing as this seemed liked a phishing attempt. In XX/XX/XXXX I received an alert from XXXX XXXX stating my credit score had been critically comprimised due to a revolving trade grossly exceeding it's limit. I immediately logged on to my US Bank account to find a random credit charged to the account in the amount of {$17000.00}. My balance at the time was {$8000.00} which put my new balance at {$25000.00} well beyond my limit of {$17000.00}. I spoke to multiple people, managers, supervisors trying to rectify the issue to no avail. I have since paid the balance in full but US Bank had no right to damage my credit and authorize a charge over the limit. 
Please let me know if there was anything Illegal beyond the unethical way in which this was handled. 
Sincerely, 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 2020-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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 2018-08-30
Company: CAVALRY INVESTMENTS, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I discovered this in XX/XX/XXXX. Since this time, I have been trying to fix this issue with the Company to no avail. 

Pursuant to the Fair Credit Reporting Act, Calvary Portfolio Services is in violation of RE-AGING an account and reporting inaccurate and false information to XXXX that they have now CERTIFIED. XXXX XXXX Acct # XXXX, by all other credit bureau accounts, note the above account as having been OPENED in XX/XX/XXXX closed with a XXXX balance. 

However, Calvary Portfolio Services reports the same account to XXXX, opened with a {$1000.00} -- stating it was opened on XX/XX/XXXX. I have no knowledge of such an account. XXXX is refusing to re-investigate it because CPS have certified to this inaccuracy. From investigation, this company has a history of re-aging accounts and attempting to collect them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Duty pursuant to the FCRA, it is EXPERIANs responsibility to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting 22 inaccurate late payments for the XXXX XXXX account XXXX. These include a 30 day late payment posted in XXXX XXXX, XXXX. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX, XXXX. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. XXXX and XXXX XXXX, and a 60 day late payment posted in XXXX XXXX, XXXX. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2023-10-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-09-01
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Interest rate

Complaint:
I received a letter from Wells Fargo stating my variable rate would increase in XXXX, but they charged the new rate in XXXX. I was still entitled to the old rate.

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Problem with personal statement of dispute

Complaint:
I'm an authorized user on my daughters XXXX XXXX account. It was helping me build my credit score on Transunion ( and the other bureaus ). Recently I checked my Transunion account and noticed there was a XXXX XXXX bill that was already paid on XX/XX/XXXX but not due until XX/XX/XXXX and not updated on Transunion. I contacted Transunion and disputed this bill asking them to remove it because it was already paid. They DID NOT remove the bill but removed THE XXXX XXXX ACCOUNT instead. I reached out to Transunion and after having to call them back 5 times because the representatives kept hanging up on me, I finally spoke with XXXX, a supervisor. She apologized stating they accidently removed the XXXX XXXX Account from my credit report BUT could not reinstate it. I would have to contact XXXX XXXX to be REMOVED from the XXXX XXXX account then RE-ADDED on the XXXX XXXX account inorder for Transunion to have XXXX XXXX added back on my credit report. 
This error is unacceptable and their lack of " customer service '' is beyond ridiculous. I need help in correcting this.

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 2020-02-20
Company: Choice Recovery, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I did not know i owed {$120.00}. I did not receive any information from no one about this debt. I figure it out because my credit score dropped. then i called XXXX  and they explained that one of my accounts was in collection for {$120.00} and it was a medical bill related to my son that has same name as me. No body call my phone number, no written information received. I always pay my bills, and i am never late, you can see my other account are clean and paid on time. It is not fear having this amount on my credit report just because lack of information and it is not my account. Please remove this from my credit until my son can resolve this account. Attached credit report. 
Complaint for account shows as : CHOICE RECOVERY INC # XXXX**** XXXX XXXX XXXX XXXX XXXX , OH XXXX ( XXXX ) XXXX Placed forcollection:XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$120.00} Date Updated : XX/XX/XXXX Original Amount : {$100.00} Original Creditor : XXXX XXXX XXXX  Past Due : > $ XXXX<

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I want you to know that I missed the payment on my account due to my being seriously sick and hospitalized. I have lost out on job opportunities because of these late payment remarks. 
This is ALL because of the COVID-19. I also could not close a home for my family due to this situation. I am really 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 2023-01-31
Company: Block, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I disputed a charge on my card ( XXXX ) on XX/XX/2023 from a purchase at a cell phone retailer. They sold me a defective phone. The cell company customer service acknowledged it would be replaced, the physical stores are refusing to do it without charge. I spoke with a district manager and he committed to ordering me a new one but has since gone unresponsive and it's been over 2 weeks. 

The dispute I filed was for services not rendered and I expected an investigation. CashApp then denied the dispute within 24 hours without a reason. I requested for them to send me documentation and the documentation was vague and gave no reason. I called to get more information and they refused to provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi, for the past YEAR I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 

1. Account Name : XXXX XXXX XXXX. Account Number : XXXX Date opened : XX/XX/XXXX Balance Amount : XXXX Reporting on : XXXX  and XXXX 2. Account Name : XXXX XXXX Account Number : XXXX Original Creditor : XXXX Date : XX/XX/XXXX Balance Amount : XXXX Reporting on : Transunion 3. AccountName : XXXX XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX Balance Amount : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX, XXXX   and Transunion 4. Account Name : XXXX XXXX XXXX   Account Number XXXX Balance Amount : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX  and TransUnion

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 2020-02-20
Company: CNG FINANCIAL CORPORATION
State: UT
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:
AXCSSFN/CNGO # XXXX is reporting an account to my credit that is not mine. I have a mixed file and this account does not belong to me and needs to be removed off of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Company refuses to close fraudulent account created in my name by outside people. No Credit Check done to determine that my credit is frozen on all accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I sent them a letter regarding that they were violating my rights also disputed them. Under this law Validation of Debts 15 U.S.C. 1692g Also Harassing or Abusive Practices 15 U.S.C. 1692d, False or Misleading Representations 15 U.S.C. 1692e claiming that they will not use if I make payment that is coercion deceptive acts harassment Furnishing Certain Deceptive Forms 15 U.S.C. 1692j

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Self Financial Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I Have Been A Victims Of Identity Theft upon getting denied a credit union. I have reviewed my credit reports, and I have accounts that were opened in my name, Debt collectors mailing me stuff in the mail. I lost my social security card and drivers license on approx XX/XX/XXXX, Since then I have reported the identity theft to the social security administration and got a new drivers license, the accounts that are identity theft I will list below XXXX 1 ) XXXX XXXX XXXX opened on or about XX/XX/XXXX 2 ) XXXX  credit card opened on or about XX/XX/XXXX 3 ) XXXX XXXX XXXX ( auto ) opened on or about XX/XX/XXXX 4 ) XXXX XXXX opened on or about XX/XX/XXXX 5 ) XXXX Self Lender opened on or about XX/XX/XXXX 6 ) XXXX XXXX XXXXXXXX opened on or about XX/XX/XXXX 7 ) XXXX XXXX XXXX opened on or about XX/XX/XXXX 8 ) XXXX XXXX XXXXXXXX opened on or about XX/XX/XXXX 9 ) XXXX XXXX XXXXXXXX opened on or about XX/XX/XXXX 10 ) XXXX XXXX Date Filed XX/XX/XXXX XXXX Accounts that are open fraudulently are listed below 1 ) XXXX XXXX self lender opened XXXX 2 ) XXXX opened on XX/XX/XXXX 3 ) XXXX XXXX XXXX lender XXXX on XX/XX/XXXX 4 ) XXXX XXXX XXXX lender XXXX on XX/XX/XXXX 5 ) XXXX XXXX XXXX lender XXXX on XX/XX/XXXX 6 ) XXXX XXXX XXXX opened on XX/XX/XXXX 7 ) XXXX XXXX XXXX lender XXXX on XX/XX/XXXX XXXX ) XXXX XXXX date filed XX/XX/XXXX XXXX Accounts that are XXXX fraudulently are listed below 1 ) XXXX XXXX XXXX opened XXXX XX/XX/XXXX 2 ) XXXX XXXX opened on XX/XX/XXXX 3 ) XXXX XXXX  opened on XX/XX/XXXX 4 ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 5 ) XXXX XXXXXXXX XXXX opened XXXX XX/XX/XXXX All of these accounts were not authorized by me. I also have multiple inquires on all my credit reports that were not authorized by me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
AFTER REVIEWING MY CREDIT REPORT I HAVE NOTICED SOME INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I HAVE NO IDEA HOW SOMEONE COULD GET INTO MY CREDIT AND DO SUCH DAMAGE BUT PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation