BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-31
Company: Google Compare Credit Cards Inc.
State: CO
Product: Prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I am operationally hacked. Have found the hackers can not steal from GPay, although they make it DIFFICULT TO USE!!!! Often the card is not an option to chose from and is made into a credit/debit under GPay!???? Or not under the correct email account or can not transfer to the email account in question!!! Please assist in resolving this issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Glass Mountain Capital, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was notified by Glass Mountain Capital LLC about an alleged debt with XXXX  XXXX XXXX XXXX ). I notified XXXX XXXX XXXX XXXX  ) over ten years ago about this fraudulent account and from my recollection, they took care of the issue. However, my name has been associated with this alleged debt. I request that this collection agency provide the original documentation for this account, with my original signature and date, as governed by the Fair Credit Report Act. In the letter the letter from Glass Mountain Capital LLC, it states that they contacted their client, XXXX XXXX XXXX XXXX. I have not idea who or what this company is and have never heard of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My Capital One XXXX XXXX credit card includes a reward promotion for a {$200.00} credit for XXXX bookings/stays. I used my XXXX XXXX to book and pay for an XXXX stay on XX/XX/22 XXXX for {$570.00}. The charge posted on XX/XX/22. I should've received my {$200.00} statement credit automatically from Capital One within a few business days. I never received the credit I am owed so I called Cap One and they said that it could take a billing cycle to post but they promised and assured me that the {$200.00} credit would post to my account. I waited over 30 days and the credit never posted. I called Cap One again on XX/XX/22 and the rep said that Cap One did not credit me because the charge posted as Other Travel and not Lodging. Me as a consumer has zero control over how a charge posts to my account after I make a purchase. Cap One knows this and instead of correctly and fairly crediting me the {$200.00} I am owed for the vacation rental, they are attempting to deny me the credit after I paid for and correctly completed a vacation rental stay at an XXXX. This is fraudulent and a bait and switch tactic. I followed and completed all the terms. Their terms clearly state that the credit can be applied toward vacation rental purchases, including with merchants like XXXX, XXXX, XXXX, and XXXX. My XXXX  Confirmation number is XXXX for the stay. I need to be credited the {$200.00} now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: EQUIFAX, INC.
State: OH
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, XXXX XXXX XXXX XXXX, Partial Acct # XXXX, XXXX  XXXX, Partial Acct # XXXX ..., Partial Acct # XXXX ..., XXXX XXXX, Partial Acct # 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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX is reporting incorrect information on my credit report. I went to school on a full-ride scholarship and someone obtained financial aid in my name. This issue is pending SUPREME court. XXXX is very well aware of this situation and you need to stop them from reporting fraudulent information on my credit profile. Under The Fair Credit Reporting Act ( FCRA ) there are procedures for correcting fraudulent information on your credit report and requires that your report be made available only for certain legitimate business needs. 

Under the FCRA, both the consumer reporting company and the information provider ( the business that sent the information to the consumer reporting company ), such as a bank or credit card company, are responsible for correcting fraudulent information in your report. To protect your rights under the law, contact both the consumer reporting company and the information provider. 

PLEASE STOP REPORTING

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 2022-01-14
Company: EQUIFAX, INC.
State: NY
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 have checked my credit report an noticed this account that has no account name and say original creditor. The account number is XXXX which gives no information as to who this is. I also read the law and 15 usc 1681b permissible purpose and it says Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
( XXXX ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; I never gave this unknown comoany written permission to put this account onto my consumer report. They have violated these laws. 
Also 15 usc 1681e compliance ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I don't know who this account belongs to nor do they have any identifying information for me to figure out who they are.

15 usc 1681 ( a ) congresstional findings- ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

This account needs to be deleted asap for the violations I have showed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was fraudulently sold an XXXX XXXX XXXX phone at a local XXXX on XXXXXXXX XXXX. I only use the inexpensive XXXX XXXX XXXX XXXX mobile service. I wanted the {$190.00} XXXX under this plan. I made many attempts to resolve this with XXXX XXXX XXXX customer service representatives. Finally, on XXXX XX/XX/2022 account, XXXX, associated with XXXX cell number XXXX, was cancelled by an XXXX XXXX XXXX fraud representative. A prepaid mailing card was sent to me st the same time. The tracking label shows XXXX XXXX XXXX  received the XXXX on XXXX XX/XX/2022. XXXX XXXX XXXX still illegally accessed my bank account several times after XXXX XXXX taking {$94.00} out twice and {$120.00} one occasion. My banks fraud department recovered all the unauthorized XXXX XXXX XXXX debits to my account. 
In early XXXX, I received a notice from the CREDENCE RESOURCE MANAGEMENT LLC, a debt collection agency. They are trying to collect {$910.00} from me for an XXXX XXXX XXXX XXXX account ( # XXXX ) that was closed on XXXX XX/XX/2022. I called Credence after receiving their letter to dispute the debt for an account that had been closed and a {$910.00} phone that had already been returned on XXXX XXXX. These facts were ignored, and their spokesman told me that if I did not pay, it would ruin my credit. That I had to pay them the money. A second call was a repeat of the first. I was given 30 days to send them money I did not owe XXXX XXXX XXXX. 
XXXX XXXX XXXX continued to harass me with calls from " The President of XXXX XXXX XXXX XXXX Office. Voicemail messages sounded like it was a teenager calling. XXXX XXXX XXXX also has deliberately made it difficult for me, still threatening me to pay {$30.00} a month, for 5 years, until they receive complete payment for a phone already in their possession. 
CREDENCE has sent me two forms with a deadline, or it will ruin my credit. This is complete fraud. Texas Attorney 's Office has sent me a form to report CREDENCE. As well as XXXX XXXX XXXX. 
I do not need the intimidation that is being used to take money from me due to a fraudulent sale by an XXXX XXXX XXXX employee. Essentially he tried to take {$1300.00} without authorization. I never signed anything, it was purely bait and switch. 
I need help with CREDENCE. There is no reason for them to try to intimidate me into paying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
Company: Genesis FS Card Services, Inc.
State: FL
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:
My name is XXXX XXXX ( Formerly XXXX ). I am currently living in a XXXXXXXX XXXX, & trying to get into a XXXX XXXX home as my battle with the XXXX virus is causing me such discomfort. I caught XXXX, and that complicated the virus even worse. To into transitioning housing from the hospital. I must have decent credit. Im asking for your mercy on me to help removed the old negative late payments on my credit history, so that I may transition with my 3 small children and be with them as my end of life. May you please removed the negative accounts that I paid off. I am asking for grace and mercy to please remove the late payment. They are affecting my entrance into housing. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: EQUIFAX, INC.
State: MN
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:
15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

15 U.S CODE 1861 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT I have student loans on my report from DEPT OF EDUCATIONXXXX XXXX XXXX that shouldnt be posted without my permission. I have attached a copy of my letter from the US Department of Education showing the loan has been forgiven in full, so I should not be seeing anything on my report from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Bull City Financial Solutions, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Bull City financial harassed me with calls for months from XX/XX/XXXX to end of XX/XX/XXXX. On XX/XX/XXXX they harassed me again so I agreed to pay my debt on the spot so long as they would take the credit ding off of my credit and close the account. The representative promised if I paid she would close the two accounts with negative dings on my credit, so I paid over {$800.00} on the spot on XX/XX/XXXX. Credit ding is still there. Repeated attempts to call Bull city financial and no one will answer the phone because they know I already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 XXXX Account # 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 an account without my written instructions XXXX PARTIAL ACCT # XXXX XXXX XXXX XXXX  PARTIAL ACCT # XXXX XXXX XXXX XXXX PARTIAL ACCT # XXXX XXXX XXXX XXXX PARTIAL ACCT # XXXX DEPT OF EDUCATION/XXXX PARTIAL ACCT # XXXX XXXX XXXX PARTIAL ACCT # XXXX XXXX XXXX  PARTIAL ACCT # XXXX SOCIAL SECURITY ADMIN ACCT # XXXX XXXX PARTIAL ACCT # XXXX XXXX XXXX PARTIAL ACCT # 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 non-monetary relief
Consumer complaint received 2023-08-12
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX XXXXXXXX Balance : {$680.00} XXXX XXXX XXXX Balance : {$680.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

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 2021-06-02
Company: Experian Information Solutions Inc.
State: NY
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I notified credit reporting agencies that they violated the 15 us code 1681 and 15 us code 1681b ( FCRA ). This makes my credit transaction suffer because it was harder and longer and so, I would like it to be taken care of.

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 2023-10-30
Company: LEXISNEXIS
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Chime Financial Inc
State: FL
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:
at XXXX on XX/XX/XXXX, I received a portion of my paycheck on my Chime banking account, as was typical for a tuesday night. at XXXX the same night, a merchant called XXXX XXXX XXXX ( likely named such in order to impersonate XXXX XXXX charged me for a total of {$120.00}, divided into 3 segments of {$60.00}, {$30.00} and {$31.00}. at the time of these transactions I was asleep at my home in XXXX, Florida while this merchant is located in XXXX XXXX, California, somewhere I have never been. the next day I called Chime to try to resolve the issue and they told me it was too soon to dispute the transaction because it was still pending. once the transaction cleared, I called again and filed the dispute. later that day, I received an email that my claim was denied. I was beside myself and exchanged several other emails with Chime to try to figure out what grounds they had to deny my refund. their evidence included the fact that I had previously attempted to dispute the same clearly fraudulent transaction ( very illogical ) and that it was no unusual spending velocity, which is simply untrue ( usually I buy a few things at a time, not spend my paycheck all on one thing ). 
Chimes response was that I can file a rebuttal, but in order to do so I would need to provide documentation that I didnt make the transaction. I have eye witness proof that I was at home that night, not spending money, but I dont see how it is possible for a document to exist which proves that I didnt approve any given transaction. there is no proof or history of me making a transfer, purchase, or transaction in any way similar to the one that occurred with the merchant XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
This is my second request to update my personal information on my credit reports. There is inaccurate information on my credit reports. 

This is a violation of 15 USC 1681 ( a ) ( 4 ) Congressional Findings and Statement of Purpose " There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for theconsumers right to privacy. ''

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 2018-11-06
Company: FBC MORTGAGE, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I applied for a loan mod about 7 months ago and was denied. I have since paid all of my past due balances. They are now forcing an escrow account on my existing mortgage and trying to force me into another loan mod. I have no agreement other than my original mortgage.They have agreed that they are wrong but continue to harass me and push the new loan mod.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I purchased tickets through XXXX post to a XXXX user XXXX XXXX email address XXXX. The transaction took place on XX/XX/XXXX at XXXX. I used my XXXX account that was linked to XXXX. I sent {$130.00} for 3 tickets. The seller has since vanished. XXXX has said they aren't responsible to protect users against fraud. XXXX should have fraud protection in place if they are promoting this as a bank backed app.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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