BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-25
Company: BARCLAYS BANK DELAWARE
State: NH
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid my bill in full ( {$63.00} ) on XX/XX/2023 and the payment was accepted and deposited by the company on that date. I have documentation to support this fact. The company has not credited my account with this payment and has been charging me late fees and interest instead. Several times, I have called the company, but they are " reviewing the case. '' In the meantime, they are sending me intimidating emails and demanding payment.

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 2023-05-19
Company: OneMain Finance Corporation
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Garnishing wages in the sum of XXXX after collections was already taken by previous debt collection. Sent notice of garnishment to wrong address after the original company has new address and has not communicated since debt being written off, original loan company refused to collect collateral of debt and garnished wages instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had 4 accounts with Truist Bank. They were frozen two years ago during the merge due to fraud. Trust charged my accounts monthly fees until two of them were XXXX  out. I went to a branch to get the funds and they told me they couldn't get my money back??? I still have an account with {$1300.00}. In it that I can't access.

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 2021-12-04
Company: I.C. System, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The Credit Bureaus are reporting inaccurate information on I C SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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 2023-10-25
Company: JPMORGAN CHASE & CO.
State: DC
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:
Imagine you have ( for example ) XXXX reward points associated with your JPMNChase credit card, and you want to transfer them to a travel partner of Chases, such as XXXX or XXXX. 

You cant, unless you shell out for a {$95.00} per year travel card like their XXXX card. My complaint is that this is the practice in effect for the Chase Freedom Unlimited card. They should either loosen that restriction, or remove the false promises of Freedom and Unlimited from the name of the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Eastern Account Systems of Connecticut, Inc.
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX sent me a bill via email XX/XX/23 to pay {$270.00} for dates of service XX/XX/23 to XX/XX/23. I contacted XXXX XXXX via phone to explain the bill. I was also on the Federal Broadband program. First I was told that my services were temporarily suspended XX/XX/23 and permanently disconnected XX/XX/23. Then I was told my services were disconnected XX/XX/23. I have called several times about the bill I received XX/XX/23 The billing reps had no idea what was going on with the bill. Calls were escalated and those reps couldn't tell me why I received a bill for dates XX/XX/23 to XX/XX/23 of service when I did not have service. I also requested a disconnect notice and have not received it. 
I do not owe XXXX because I did not have service for the period XX/XX/23 to XX/XX/23. 

Eastern Account System has reported this to all of the credit bureaus and has made a false and fraudulent representation of this dept as an installment as well as another that this is a collection that I agreed to. I do not have any agreements with Eastern Account System. This account should be removed from all of my credit reports and returned to XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Incorrectly reporting different amounts for " charged off '' and " past due '' amounts. Incorrectly reporting reaging account.

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 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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 non-monetary relief
Consumer complaint received 2022-12-13
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Reference : XXXX I reject your offer to contract. I have not given my lawful authority for any non affiliated third party to be in possession of my nonpublic personal information. This is a notice to cease and desist all communication resulting from this alleged debt. I am not requesting validation of any alleged debt as obtaining nonpublic personal information without my lawful authority constitutes aggravated identity theft 18 USC 1028 A. The balance reflects an extension of credit. The collection of this extension of credit would be a violation of the false claims act. I have reasonable cause to believe that Balanced Healthcare Receivables LLC,. XXXX XXXX XXXX XXXX XXXX XXXX. have all conspired to collect on this extension of credit through unlawful extortionate means. If there is any attempt to engage in further collection activity on this extension of credit such as the furnishing of false credit information to the credit reporting agencies I will file for suit of intentional infliction of emotional distress

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter 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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2021-06-11
Company: I.C. System, Inc.
State: GA
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 C systems keeps reporting a bill from XXXX XXXX that came off of my credit report 5 years ago and now they are showing one on my credit report I have a open account since XX/XX/XXXX until this current date today last reported XX/XX/XXXX I don't have any cable with XXXX XXXX or any other cable company. But this account they are reporting was last active back in XXXX at this residents XXXXXXXX XXXX XXXXXXXX XXXX XXXX Ga XXXX it went to collection and fell of after 7 years and now its back and they are steady reporting this account like its still active

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 2022-04-07
Company: EQUIFAX, 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:
n 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a current complaint with Equifax. I defaulted XXXX XXXX XXXX  XXXX in XX/XX/2012but they are showing that I defaulted in XX/XX/2012. I have additional information - a credit report from Equifax showing that I was 2 months late in XX/XX/2012. 
Please refer to pages 13-20 for the information confirming that I was 2 months delinquent in XX/XX/2012 according to Equifax 's own report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My account was compromised and when I realized my purse was missing XX/XX/2018. I called Chase Bank to inform them of this XX/XX/2018. I asked them to turn off my card once I had heard the different transactions that were unfamiliar to me. I then filed a claim on these transactions. I was sent letters that stated that I would be temporarily given a credit until the investigation was over. One morning I went to pay a few bills and I had noticed that my account wen from {$1100.00} to $ XXXX. I then called chase and they told me that my claim was denied because I didn't dispute the lesser amount charges, and when asked why I told them that one of their employees asked me which claim was more concerning to me and of course I stated the larger more noticeable amounts. I called in again to speak to a higher authority and an agent by the name of XXXX was very nasty and not very helpful. She told me that they denied my claim because my pin was obtainable from the items in my purse therefore I compromised my own pin. I then proceeded to ask her what I needed to do for them to further investigate, she stated that I should bring supporting documents and I asked her for an example and she stated that she couldn't advise me on that and I needed to figure it out on my own. I asked her if I should obtain a lawyer and then she said " Ok so you are threatening to get a lawyer correct ''? I then asked her why would you use such strong language as " Threatening '' she then recanted and said she never used such a word and I advised her that the calls were recorded. After my account was compromised chase went on to treat me as a criminal instead of a victim and they robbed me for the remainder of my funds. I will never in my life trust Chase Bank with any of my money again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
Company: ALLY FINANCIAL INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX my wife was in a car accident that totaled the car. 
We had the auto loan with XXXX XXXX  and also had GAP insurance with Ally. 

We assumed the car would be paid off in a timely manner but problem arose when the driver that hit my wife, he was underinsured therefore this caused delays in the pay-off process. 

It took 5 months to fix this problem, we had issues with XXXX and also with Ally, they made the process a nightmare instead of assisting ( we had several calls, emails and text history of our communication with them ), our car insurance company was the only one that helped by paying most of the auto loan debt to XXXX, ( even though we were not at fault at the accident ) still there was a balance that Ally ( GAP insurance ) instead of doing what they are supposed to do, they delayed the process and showed no initiative or professionalism to even try to resolve the problem... Ultimately the auto loan ( XXXX  ) was paid off in XX/XX/XXXX. However, on mine and my wife 's credit report show on XX/XX/XXXX ( as Delinquent ) and on XX/XX/XXXX ( as Derogatory ) affecting our credit. 

Would this be updated next month? or please advise us how can we proceed? 

Thank you.

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 2017-05-15
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian,   XXXX   and  XXXX  have just added  XXXX  " 90 day late '' marks on my credit report for my closed and paid off   XXXX   XXXX   XXXX  . I paid this account off a couple of months ago so I do n't understand why there are new late marks when there is n't even a balance on the account. The account number on my credit report is "  XXXX  ''. How is this possible? How can I be late on an account that has been reporting as paid for months? I am including a screenshot of a   XXXX   XXXX     report and another screenshot of a   XXXX   XXXX     report for comparison. I have highlighted the information that 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
Consumer complaint received 2023-01-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Our law firm represents the Seller of real estate in New Jersey. As part of the transaction our trust account bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was given wire instructions for a 1031 transfer agent, XXXX, XXXX ( " XXXX '' ) a customer of Capital One Bank ( " COB '' ). Unfortunately the wire instructions contained an error and as a result the funds entered the wrong Capital One account on XX/XX/2022. The error was discovered immediately and COB was notified by telephone and by the attached intra bank writing. We were told by the Treasurer Management Specialist XXXX XXXX ( # XXXX ) that an investigation would be launched " immediately '' but that resolution could take up to but not longer than ( 10 ) business days from XX/XX/XXXX. On or about XX/XX/2022 we were told by Capital One that the monies, {$61000.00} had been " frozen '' and that they would be returned to XXXX or transferred to the correct COB account shortly and that our law firm would be notified. Despite numerous attempts by our office, XXXX, and the office of XXXX, we have received no responses other than " we are working on it ''. It is now 14 business days after the investigation was commenced and the funds have not been returned or transferred to the correct account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-03
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are two Hard Inquiries on my Equifax Credit File that I did NOT give permissible purpose to pull as required by law. 
XXXX XXXX on XX/XX/2019 and XXXX XXXX XXXX XX/XX/2019. I have been a victim of Identity Theft in the past and I imagine this is where the XXXX XXXX inquire came from and the XXXX XXXX XXXX was never approved by me to do a Hard Pull. I have had accounts with them in the past. They should have done a soft pull only if they needed to service an account or look into my credit file again. I did not agree or approve this Inquire. 

Also my name is XXXX XXXX XXXX I have requested that they correct it also. They keep reporting XXXX XXXX and leaving out my middle name. This has caused problems in me obtaining the correct score in the past.

Company response to consumer: Closed with explanation