BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-03-08
Company: KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I entered into a 15 year lease for solar panels in XXXX with a company that is now bankrupt, XXXX. The lease specifies monthly payments that escalate by approximately 3 % per year. The entity collecting the payments has changed several times since then, and all the servicers abided by the original contract except the most recent one, XXXX XXXX Experts which also does business as Spruce. In XX/XX/XXXX, they started billing me for the monthly amount due in XXXX instead of the contracted amount for the current year. Because this was set up as a direct debit from a checking account, I also contacted my bank on multiple occasions and they helped me receive refunds for the incorrect amounts. When the wrong amount continued to be debited, the bank blocked Spruce 's account number after reading my original contract with XXXX and agreeing that Spruce was not abiding by the contact terms. The very next month, Spruce attempted to circumvent that block by putting through a debit under a different name, which was caught by my bank and not paid. At that point, the bank advised that the only way to stop the debits was to close the account, which I did, at considerable inconvenience. I started paying with paper checks from that point forward. Subsequent invoices from Spruce started showing seemingly random, wildly high amounts. After numerous unsuccessful attempts to contact them, I lodged a complaint with the Maryland Office of the Attorney General who sent them the attached letter. Spruce completely ignored the correspondence, and I was advised by my representative at Maryland XXXX that there was nothing more they could do to assist. Today, I continue to pay the correct amounts per the original contract by paper check and continue to receive invoices for amounts that appear to have been plucked out of thin air. I went online to see if others had similar experiences with this company and came across their XXXX  ranking of XXXX Anything you can do to assist me in getting the attention of this rogue company and getting them to honor their contracts is most appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I entered my XXXX XXXX XXXX checking account to add an external account in order to connect my Capital One Checking 360 account via a secure and private party XXXX  after successfully entering my username and password and code numbers via SMS. Unfortunately, Capital One blocked me from setting up my external account. I called the Capital One, and the manager XXXX said it was impossible to resolve the issue and they have a right to block me from connecting my XXXX checking account to my Capital One checking account via XXXX. Please let me know how to resolve it with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: CITIBANK, N.A.
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:
We purchased a XXXX XXXX XXXX XXXX ( hair dryer ) from a company named XXXX on XX/XX/21 for {$410.00}. The product was paid for via XXXX using our Citi XXXX ( MasterCard ) credit card. After not receiving the product for a few weeks, we tried contacting XXXX to cancel the order. While still unable to contact them, we opened a dispute with Citi on XX/XX/21. Citi issued a temporary credit for the full amount while investigating the issue. While the dispute was still open, we were able to get in contact with XXXX ( via XXXX ) on XX/XX/21 who informed us that the product had been returned to them, at which point they subsequently shipped it back out to us. At that point, they told us to wait for the product to be delivered, return it ( at their expense ) and they would offer a full refund. At the same time, Citi was also able to contact XXXX and offered the same information / guidance. I had been given a ( new ) tracking number via XXXX XXXX and could see that the item was in transit so I was satisfied with the resolution and Citi reversed the temporary credit. Unfortunately, the product never arrived with only a few tracking updates via XXXX and has been held up in customs ( XXXX XXXX ). It also appears that XXXX has gone out of business as I have had no success contacting them. Upon contacting Citi, they have told me that the dispute is closed and there is nothing further they can do other than offer a complementary credit for a lesser amount, which I have not taken. Upon asking to speak with a Citi supervisor, they informed me that that their dispute department should NOT have had the original dispute closed until the issue was fully resolved, but that since it was, he reiterated that there is simply nothing they can do.

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 2023-10-28
Company: Experian Information Solutions Inc.
State: CA
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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 an 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 explanation
Consumer complaint received 2023-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I contacted Captial One Customer service today and they refused to credit my past due fee of {$25.00}. I also talked to a supervisor, XXXX, who refused to credit it back also. They said " the system wont allow me to ''. So I asked to get me to Executive Offices and someone that can reverse it and they refused. 

These exorbitant fees that you charge are ridiculous, especially on a secured card where some of the money is mine and not yours! Issues happen and will happen to your consumers. Helping them keep their money on their card without charging these fees should be a priority. You dont have to charge past due fees either - its a choice. Ive been on time except recently and would appreciate my money return to me and the {$25.00} credited

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: EQUIFAX, 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 had my credit profile pulled. Upon looking at this report I have noticed there are accounts that are not mine AND accounts reporting late payment history

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
my identity was stolen. attempts to charge merchandise from my debit card was made several times. Money from my savings account was transfer into my checking account. 
someone applied for credit card with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-28
Company: Experian Information Solutions Inc.
State: GA
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:
UPON ME REVIEWING MY CREDIT REPORTS I SAW THESE NEGAITVE ITEMS

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 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$840.00} XXXX XXXX XXXX  XXXX Balance : {$790.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$5400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$9900.00} 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

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 2021-11-30
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX, consumer, natural person and original creditor contacted NAVY FEDERAL CREDIT UNION in writing on XX/XX/2021 requesting that said company validate this alleged debt and also sent them a cease and desist letter asking that they stop contacting me. NAVY FEDERAL CREDIT UNION received all documents on XX/XX/2021. NAVY FEDERAL CREDIT has yet to respond and has continued to send statements after documents were received. NAVY FEDERAL CREDIT UNION has failed to report this alleged debt as disputed pursuant to 15 USC 1692g ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 
NAVY FEDERAL CREDIT UNION was given 30 days to validate this alleged debt and has failed to do so. 
I have been harmed by NAVY FEDERAL CREDIT UNION and also my credit report and file has been damaged due to NAVY FEDERAL CREDIT UNION housing unvalidated and unverified information and therefore they are civilly liable to pay me for the damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX XXXX Department XX/XX/2023 Re : Request for Addition of Credit Information To Whom It May Concern, I am writing to request that you please include the additional information attached to my credit history report. You may verify this information with the source and I have included their contact details. According to the Fair Credit Reporting Act ( FCRA ), Section 602 ( b ), I am permitted to have accurate and true information reflected in my credit report. To accomplish this, I am requesting that my positive payment history with XXXX XXXX be added. This will justly reflect my payment history. Therefore, I request that you immediately verify and add the enclosed payment history to my credit file.Enclosed is closed proof of my account since i got added onto the credit profile Please notify me within 30 days that the additional credit information has been added by sending an updated copy of my credit history report to my address above. The FCRA states " a consumer 's credit report should reflect completeness and accuracy within a reasonable time after notification by the consumer. '' By adding this information to my records it will help to reflect a more accurate credit history report. If you require that this information be submitted to you directly from the source, please indicate the procedure and your fee to fee to add this information. 

Kind regards, 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 non-monetary relief
Consumer complaint received 2022-10-29
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
As of XX/XX/2020 the amount I owe of {$4200.00}. 

In the year of XXXX, I needed XXXX work done. I went faithful too dentist but when covid hit hard for 4 months. I didn't have the funds to complete the last step. Which was getting my XXXX XXXX I have paid {$15000.00} w/insurance or more on getting this procedure done with XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 
I am financially in debt of $ XXXX. 
I paid all my dentist bill at each time of my appointments. But this balance owed of {$4200.00} was for my final XXXX XXXX that was schedule in the time of covid but didn't have the funds.

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 2021-11-19
Company: EQUIFAX, INC.
State: CA
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 items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: Experian Information Solutions Inc.
State: PA
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:
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. 

XXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX 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.XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX DE ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: EQUIFAX, INC.
State: IL
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: Midwest Loan Services, Inc.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My insurance and property taxes are paid from an escrow account maintained by the lender. After receiving a notice from the insurance company that annual premiums had not been paid ( early XX/XX/2021 ), I notified the lender who deducted the annual premium ( {$2500.00} ) from escrow ( XXXX XX/XX/2021 ). Insurance company claimed they never received that payment and sent a policy lapse notice on XXXX XX/XX/2021 ). After a couple of weeks of going back and forth between the insurance company and lender, the lender deducted another {$2500.00} ( XXXX XX/XX/2021 ) from escrow and overnighted the payment, which the insurance company acknowledged receipt of. However, the lender is refusing to credit my escrow account by the original {$2500.00} and claim they will refund it when the insurance company returns the {$2500.00} to the lender ( insurance still claims they did not receive the initial payment ). This is an issue between the lender and insurance company any my escrow funds should not be in play in their dispute. I made a final attempt this morning ( XXXX XX/XX/2021 ) and was told the same thing - that the escrow department was supposed to issue a stop-payment on the check. I explained again that the funds should be credited back to my account regardless of the status of that check.

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 2023-11-24
Company: EQUIFAX, INC.
State: FL
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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

Company response to consumer: Closed with explanation