BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-28
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
The auto loan was started XX/XX/XXXX the auto was totaled in XXXX XXXX in XX/XX/XXXX payments were made XXXX a month for XXXX months to XXXX during the time of having truck - XXXX XXXX and XXXX {$24000.00} ( waiting on statement from XXXX XXXX on the loan to XXXX and I also did not get refunded for all the warranty side purchase on the loan of XXXX for a service contract service contract XXXX for theft protection. I verified with XXXX that this extra warranty purchase on the truck was refunded to XXXX with my salesman XXXX XXXX at XXXX XXXX XXXX on XX/XX/XXXX. XXXX was paid more during the 6 months I had the truck than the original loan amount on XX/XX/XXXX. There is no prepayment penalty for my loan verify with consumer XXXX is paid in full and Im waiting on reimbursement on my warranty that they took on the loan provided by XXXX and the during of six months considering the loan was only XXXX and theyre still trying to get XXXX from me.

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 2023-11-16
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Citi Bank claim case ID : XXXX XXXX XXXX XXXX XXXX I opened a dispute with Citi Bank in the amount of {$250.00} regarding a transaction to XXXX that I was charged twice for. Some history of the transaction is : in XX/XX/XXXX I made a purchase at XXXX while traveling, it was a legitimate purchase, at the same time my debit card through XXXX XXXX XXXX was used fraudulently and I opened a dispute with them. I mistakenly added the XXXX charge to that dispute it shouldn't have been added. I received an email from XXXX informing me of the disputed charge and they stated that I needed to pay the {$250.00} and contact XXXX XXXX XXXXXXXX which I did. I paid the {$250.00} on my Citi Debit Card and XXXX XXXX XXXXXXXX reversed the chargeback so now I've paid for the order twice. I contacted XXXX and they stated that they would not credit my account and that I would need to go through Citi to dispute the double charge and receive the funds. 

I filed the dispute with Citi on XXXX  and on XXXX  I received a letter from Citi requesting additional information and backup information on the disputed charge. I provided this information to Citi via email on XXXX  ( 5 business days after initiating the dispute ). I sent the form Citi requested along with the chat transcript from XXXX where they confirmed the double charge and stated that I needed to go through Citi. 

I confirmed with Citi via chat and phone call that the letter was received and added to the account as their letter stated I needed to respond by XXXX  they confirmed on XX/XX/XXXX that the information was received. I've been in regular contact with Citi to get an update on when a temporary credit would be made on my account for the {$250.00}, no updates have been given, all I get is a generic response saying it's being reviewed or investigated. On XX/XX/XXXX ( 15 business days after filing the dispute ) I was told the dispute was closed due to lack of information being received within 10 business days. This is not true or accurate, the information was submitted 5 business days after the dispute was opened. The agent stated that the dispute was re-opened after receiving the information, she stated that the information wasn't received until XX/XX/XXXX, that's not true either. I stated that is unacceptable, I've provided information within the required time and a temporary credit needs to be applied to my account in the amount of {$250.00}. I gave them until close of business yesterday to provide a credit and an update they did not. 

Citi has exceeded the 10 working days to investigate or provide temporary credit we are now at working day 17. I have provided all information requested within the requested timeframes.

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 2023-11-16
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2023 I made my scheduled payment at TD Bank of {$490.00} my payment was made on time. On XX/XX/2023 I received a letter stating that the payment was not received I called TD XXXX number and was informed that the teller made a error and the payment was applied to principal and not to payment and to go into the branch to have this matter taken care of. I received and alert that the late payment was sent to my credit report. I would like this late payment to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
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: Information belongs to someone else

Complaint:
I have sent multiple letters to XXXX and to Experian requesting PROOF of documents to show the account belongs to me. Experian always came back as verified by the creditor. I have now spoken with the creditor on XX/XX/2023 and the representative by name of XXXX confirmed this does not belong to me the XXXX XXXX does not belong to me. This has been going on a year and this needs to be resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear CFPB, I really need help to address this inaccuracies on my credit report which is tarnishing my reputation and stopping me to establish a good credit. I have sent a dsipute to credit bureaus but I was not able to receive a good response. 

LVNV FUNDING LLC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit 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:
At approximately XXXX PT on XX/XX/XXXX, I took advantage of a Chase XXXX XXXX promotion offer with a points transfer to XXXX XXXX XXXX XXXX. The promotion would have had me receiving a 30 % bonus of points upon transfer. In simple terms, if I transferred XXXX points from Chase XXXX XXXX to XXXX XXXX, I would receive XXXX points in my XXXX XXXX account. The 30 % promotion bonus on the Chase website was slated to run through XX/XX/XXXX at XXXX ET. 

I was looking to book a flight through XXXX XXXX for XXXX points. Therefore, with XXXX points in my XXXX XXXX account, I had to transfer XXXX Chase points to XXXX XXXX. That XXXX, when coupled with the 30 % bonus, should have had me receiving XXXX points in my XXXX XXXX account ( XXXX ). 

The transfer was completed, however, I only received XXXX points in my XXXX XXXX account. My XXXX bonus points were missing. I called Chase and XXXX XXXX multiple times over the ensuing days to find out how to resolve this issue, and both companies pointed the fingers at each other. No one offered any sort of resolution. 

Chase indicates on their website that transfers ( and bonus 's ) can take up to 7 days to complete. The 7 days has officially passed and I do not have the bonus miles in my XXXX XXXX account. 

Therefore, because I needed to book a flight before it was unavailable, I had to transfer an additional XXXX points from Chase to XXXX XXXX to make up for the lack of my bonus points. 

During this sequence, I have maintained screenshots and phone records with XXXX XXXX as documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
* Capital One Savings account created to deposit funds from sale of Father 's property * {$1000.00} was transferred from Father/Daughter joint XXXX XXXX XXXX account just to get it opened *Capital One Deactivated/Froze account after accepting {$1000.00} opening transfer *Trust paperwork & Death Certificate for father were provided to Capital One *Capital One refuses to return the {$1000.00} or reactivate account *Capital One was informed that no probate court was involved due to the assets being in a trust account. 

*Capital One still holding funds improperly

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: Kashia Services
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I was contacted by the company Better Day loans, out of XXXX California on XX/XX/XXXX after XXXX EST. They said I had filled out an application, and did I want to proceed. I told them that I had not filled out an application, and that they should remove me from the system. 

I asked for a manager to make that request, who then asked for my social security Number. I told him no, I then asked for his name ( He gave it as XXXX XXXX ). He then said they would cancel all my info and send it to an email. He wouldn't tell me the email, so I could not verify if they were even stripping out my information correctly. 

My phone captured their information as : Response Team XXXX XXXX XXXX XXXX , XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX , OK XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Radius Global Solutions LLC
State: PA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company is still contacting me even though I have told them to cease all communication pursuant to 15 U.S. Code 1692c. They had decided to " honor '' my request but still continue to contact me indirectly via credit reporting. This is a clear violation of the fair debt collection practices act. This acts states that a debt collector can not communicate with a consumer directly or indirectly through ANY medium. Credit reporting is an indirect medium that this company is choosing to indirectly communicate with me. Additionally, I did not endorse any contract with this company and I demand proof that I did endorse it and that this company, Radius Global Solutions, also endorsed it pursuant to Uniform Commercial Code 3-203. If they can not provide proof, I demand justice. 3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. ( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. ( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. ( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee.

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 2023-03-28
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CREDITOR : XXXX COLLECTION : LVNV FUNDING LLC CREDIT BEREAU ; XXXX, XXXX, XXXX XXXX XXXX AMOUNT : {$710.00} I recently pulled my credit and saw a Discrepancy that was reported on my credit files that I have no knowledge of this account I would like this account removed from my credit file due to the fact of identity fraud. I reported this account to the credit bureau 's in i didn't get the respond or verification of my identity to saying this account belongs to me. my rights is being Violated under the fair credit ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: ENCORE CAPITAL GROUP INC.
State: GA
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:
I found inaccurate information in my MIDLAND CREDIT credit repot. I tried to fix the issues by sending them a letter through the mail ; however, I was not satisfied with the results. The accounts were not verified. Inaccurate information, such as payment status, payment history, date opened, and date of late payments are still being reported. My rights were violated according to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. I have also attached the FTC report with the report number XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: Sterling Infosystems Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I paid for a background check on XXXX, which is processed through Sterling Check. The background check was supposed to take only XXXX days. On XX/XX/XXXX, I called Sterling Check to see what the status was and the reason for the delay. I was told to call back on XX/XX/XXXX, which I did. They provided no update except they changed the " estimated '' completion date to XX/XX/XXXX and to call back in XXXX hours to check the status again. I called again on XX/XX/XXXX to check the reason for the delay ; their response referenced that the Kansas Court system is down and they don't know when it will be back up. Based on a news article about a security breach, the Kansas Court system has been down for XXXX weeks and will not be back up until after XX/XX/XXXX- making the background check take more than 3 months. In addition, I do not live in Kansas ; I only landed in Kansas for a few days while I was waiting on my apartment in Missouri. I updated my address with XXXX but XXXX refuses to use my current and permanent address for the background check. I barely stayed in Kansas for a few days. There is no reason for XXXX to be forcing a background check in a state I was only visiting. 

With the background check taking an estimated more than 3 months to be completed, I demand a full refund of the fee I paid to rover for the background 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 2020-12-23
Company: DISCOVER BANK
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am a consumer and Discover Bank has violated my federally protected consumer rights under 15 USC 1692, 15 USC 1681, 15 USC 6801. They have ignored my cease and desist, my affidavit of truth was never rebutted. Discover continues to abuse, use profane language, abusive phone calls and emails. Discover also is destroying my reputation as a consumer financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: ACIMA CREDIT, LLC
State: GA
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:
I am writing to request your assistance in verifying the charged-off status of an account listed on my credit report. I recently discovered that this account is reported as charged off, and I believe it is essential to validate this status by ensuring the creditor has complied with the required tax reporting obligations. As per the Internal Revenue Service ( IRS ) guidelines, when a creditor charges off an account, they are obligated to file the appropriate tax forms, such as Form 1099-C ( Cancellation of Debt ), with the IRS. These tax forms provide evidence that the debt has been canceled and allow for the proper reporting of the canceled debt for tax purposes. I kindly request that you investigate whether the creditor in question has fulfilled their tax reporting obligations by submitting the necessary tax forms to the IRS for the year in which the debt was canceled. The submission of these tax forms serves as crucial evidence to support the charged-off status of the account. If it is found that the creditor has not fulfilled their tax reporting obligations or if they are unable to provide evidence of the filed tax forms, it raises significant concerns regarding the accuracy and validity of the charged-off status of this account. In such a case, I request that you take appropriate action to remove the charged-off status from my credit report. I would appreciate your timely attention to this matter. Once your investigation is complete, I kindly request a written response detailing the outcome and any actions taken. It is important for me to have an accurate credit report that reflects my financial standing accurately and in compliance with all relevant regulations. Thank you for your prompt assistance and commitment to resolving this matter. Should you require any additional information or documentation, please do not hesitate to contact me. I look forward to your favorable response. Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: CO
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: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-24
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from XXXX ( a division of XXXX XXXX ) that offered to " remove [ my ] prior debt '' if I signed up for new services. I checked my credit report on XXXX XXXX and discovered that IC System had reported a collection account opened on XX/XX/2021 in the amount of {$420.00} to XXXX. 

I have not had an account with XXXX  for many years. We opened an account with them when we first moved into our home but their services were so unreliable that we closed the account shortly thereafter. All equipment was returned and the account was paid in full. 

I have received notices from other collectors in regard to this account in the past. Each time I have disputed the account and requested that they verify the account with XXXX. I have never received verification and the account either never appeared on my credit report or was immediately removed. In this case, IC System did not send me any letter indicating that this account had been assigned to them. Furthermore, the date they used when they reported it was false. 

I believe that this is a cooperative marketing scheme seeking to blackmail former customers who they should KNOW do not owe them by hiring a debt collector to place the account on those former customers ' credit reports, then offering to instruct that collector to remove the account in exchange for returning as a customer.

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 2023-08-20
Company: Experian Information Solutions Inc.
State: AZ
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:
My credit report is showing XXXX XXXX XXXX as 90 days late payment. This account was never late. The account was placed on auto pay. They claimed there was an issue with their system. This account should show as never been late. This information on my credit report is incorrect

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