BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-19
Company: CONTRACT CALLERS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020 I received notice from Contract Callers, Inc ( CCI ) ( dated  XX/XX/2020 ) stating that I owed a debt from a recently closed XXXX   account. I had previously received a notice from XXXX that I was owed a credit on the account - so I called XXXX to find out what happened. 

I called XXXX and verified my XXXX balance  ( with a credit ) and they stated that a statement and check was mailed to me earlier in the week -- and if I didn't receive it in a few days that I can go to a XXXX XXXX  XXXX  ( there is one near my  house ) to get an updated statement balance /account history to verify that I had never been delinquent in payment. They also stated that they did not see any collection information in my account - and the woman I spoke to said that she had never heard of Contract Callers, Inc. 

I called Contract Callers Inc - and they confirmed via phone that my account had been sent to them in error by XXXX, that XXXX had " taken it back '' and I could disregard the letter. To ensure that I had covered all my bases, I asked to receive an updated statement balance from CCI stating that there was an error/XXXX balance or that my account with them was closed/returned to XXXX -- and they said that they could not do that. 

The two individuals I spoke with ( XXXX XXXX and XXXX XXXX ) both said that they were not able to do anything except collect balances and even though they could see my account information and share verbally what happened with the error and XXXX balance - they have no way to verify it with me in writing and suggested that I can take their word for it. It is worth noting that both individuals were professional and kind in our discussion - it just seems ridiculous that the company that they work for has policies that prevent them from helping customers resolve and document their accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
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: Other problem

Complaint:
Me and my wife have recently been going through the process of tackling our debt and consolidating our balances. Early in XXXX we made the tough decision of closing ( 2 ) of my CapitalOne accounts. One of the cards I had for nearly 7 years. Over the past couple weeks we have consulted with several people and they have advised us that it would be wise to reopen those accounts. We will soon be going through the home buying process and I feel that this might adversely affect our chances of buying our dream home. 

It seems unreasonable that CapitalOne is one of the only companies that will not allow you to reopen your account no matter what the circumstances. I have already called them today ( XX/XX/19 ) and they just told me " No '' they won't reopen then for me. 

I feel that I am left with no other choice but to file a formal complaint. I hope that you are able to help us. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: AMERICAN EXPRESS COMPANY
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:
On XX/XX/XXXX XXXX XXXX I utilized the free, online platform, XXXX, to arrange for cleaning services for my home. I booked the appointment on the website and when the contractors completed their work, I submitted an online payment of {$240.00} to the XXXX online payment portal. As soon as I did this, the contractors informed me they do NOT accept payments via XXXX and that all payments would need to be received directly. So, I paid the contractors directly, and they informed me I needed to cancel the previously submitted payment to XXXX. On XX/XX/XXXX I opened an American Express dispute claim to request them to have the merchant refund me the payment I'd submitted for the cleaning services. 

Although I provided evidence that I made a duplicate payment for the same service, American Express is NOT closing the claim in my favor. Here we are almost 120 days later, and my dispute with American Express is still pending and I have not received any refund for this duplicate payment. I provided American Express with RECEIPTS of me paying the contractors directly. I also provided evidence that the contractors NEVER received a payout from XXXX for the services they performed for me. The contractors even tried to call XXXX to inform them that I paid for my services directly, but American Express is refusing to chargeback the {$240.00} duplicate payment back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Experian Information Solutions 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 BANK XX/XX/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 2020-02-18
Company: EQUIFAX, INC.
State: IL
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: Problem with personal statement of dispute

Complaint:
XXXX  XX/XX/XXXX XX/XX/XXXX or the XXXX of XXXX the vehicle was confiscated from fleeing and eluding the police which I wasnt part of the court found me not guilty, but before that I alerted The finance company to come get there vehicle because of the police impounded they said they were gone charge me to get it out I said thats fine but instead of them getting it out I was still paying my car note even when it was in the impounded the by the police saying the vehicle wasnt not ever to be released back to me XXXX  let the vehicle sit until XXXX when trying to get which the yard told them car was XXXX dollars so XXXX   handed them title which I have court papers and police and XXXX mayor signature that the car wasnt released back to me when they could of had got it when I got XXXX XXXX with the vehicle they let it build so it could impact my credit from owing debt so please investigate and remove from my credit report Persut to ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have ordered a ticket to a car event for {$58.00} on XX/XX/2023. I realized I can't make it to that event and contacted the vendor a few times a few days after. All in person and they could not find the person to go to for this matter. Then I called chime on XX/XX/XXXX to mention the transaction. They assumed it wasn't authorized and closed my card and sent another one. When I clarified that it was authorized, they said it was too late. On the same day, the claim has started. On XX/XX/XXXX they said " no error occurred '' and I rebuttaled the same say. On XX/XX/XXXX, they emailed me for more information regarding, again, if it was authorized and what had happened to get to that point. I replied I authorized the charge and i tried contacting the seller with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
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 FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX Balance : {$38000.00} ; XXXX XX/XX/2023.

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 2023-03-28
Company: Experian Information Solutions Inc.
State: MO
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:
The way Experian handled my case entirely. All they did was send me an email stating they are nothing more than a credit reporting agency. Which they. Failed to mention they are paid to do so. So they must follow the laws and rules of fair and accurate reporting. I didn't sign or verbally agree to release any information for them to willing release. All they did instead of fix the problems the submitted disputes against each account on my report not addressing my prior concerns. I believe this whole issue has been misrepresented and not handled In a professional manor.

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 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting 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:
I requested my credit profile on XX/XX/2023 and seen multiple incorrect creditors as well as creditors pulled my credit without my authorization.

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 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I paid off all of my credit cards on XX/XX/2023. I patiently waited until the end of XXXX to receive an updated score with an account paid off. My score in XX/XX/2023 never changed, but the credit utilization went down on my report. I requested to dispute the information with TransUnion, and their investigation is showing a high balance which in turn hurts my credit worthiness. As I compare my XXXX  Score which shows XXXX, compared to my TransUnion score which shows XXXX, there is a huge discrepancy of almost XXXX points between the two. I have reached out to TransUnion to dispute, but their investigation came back as updated. They did not fix anything in their system. I would like the account reported properly, and my score updated to reflect my recent pay off of all my credit cards. 15 USC 1601 states the informed use of Credit. Their investigation is misleading, stating the there is a balance of {$35.00}, and a high balance of {$1100.00}. Where is this balance? Update the balance as XXXX 'd out as it should be, due to the fact that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  are paid off.

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 2023-04-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted my mortgage company about late payments that I considered not late. 
I have one in XXXX, 6 in XXXX, 4 in XXXX, and 1 in XXXX all of these dates are 15 days late from the first of the month, and one or more days after the grace period which is after the 15th of the month. I am charged a grace period fee and a 30-day late payment penalty. Then I question them how can this be when it is only 15 days late. I was told that they were correct because the state law allows them to penalize the borrower for the full 30 days after the grace period. 

My question is to you all is this fair to when it stated on my credit report, this is a 30 days lateness, not 15 days. I am being cheated out of 15 days, the law is wrong. 
Who has ever known this law existed to favor the lawn company? 
Show this be changed to fit both the borrower and the lender?

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 2022-01-06
Company: EQUIFAX, INC.
State: MD
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 the federally protect consumer XXXX XXXX has submitted complaint to Equifax for they're violation of my consumer rights. They haven't remove and deleted the requested accounts and I am requesting they're method of Verification pursuant The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Reporting these false information is in violation of The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 602 ( a ) ( 4 ) there is a need to insure that consumer reporting agencies exercise there grave responsibilities with fairness, and respect to the consumer 's right to privacy. Remove all information in the document attached or will be held civil and criminal liable for damages pursuant to Sec 616 of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX  I received a letter dated XX/XX/XXXX  from BestBuy Credit Services stating that I was denied a credit card that I never applied for. The state reason for denial is " Unable to verify identity information. '' I tried calling BestBuy Credit Services as well as CitiBank and could not speak to an actual person without providing an account number ( which I do not have ), or my social security number ( which I am not comfortable providing ). I am regularly checking my bank accounts to ensure there are no suspicious charges.

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 2023-11-29
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:
XXXX was opened on my credit report and does not belong to me and would like this item removed immediately, i was also a victim of XXXX data 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 2023-03-28
Company: AES/PHEAA
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: Account information incorrect

Complaint:
On XX/XX/2023 American Education Services ( PHEAA/AES ) reported false/incorrect information to the credit bureau causing a huge change to my credit rating. I contacted AES on XX/XX/2023 when I was made of aware of my credit score changing and they confirmed incorrect information was sent in error. I requested they send a correction immediately and they refused. I filed a dispute with XXXX on XX/XX/2023 and reached back out to AES to respond to the inquiry but they failed to respond to XXXX. 

This issue has caused my excellent standing to fall from an XXXX credit score to a now XXXX score. This issue was initiated by AES and they refuse to resolve this matter with any sense of urgency. Due to the negligence of this company my financial status with other accounts is now in jeopardy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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: Account status incorrect

Complaint:
Please take notice that you will be receiving written correspondence via certified mail. 
This is to inform you that I am conditionally accepting the offer to settle an account ending in XXXX if you can provide me the accounting ledger that shows that you extended me credit. The account that has been sent to charge off status on my credit report was funded by my own federal reserve notes. XXXX never extended me any credit so I do not owe a balance. I utilized my own FRN which are in no way shape or form of obligation of yours. In addition to you have incorrectly reported this on my credit report as a charge off when the FRNs used to fund the account was never yours to account for so there for you can not lose a charge off a debt as a loss that was never yours. In addition to charge offs are income according to the IRS and I have not received a 1099c in the mail. I will be also submitting this complaint to the IRS criminal investigation team for further review.

I am demanding that you remove this account from my reports. I am also demanding remedy totaling {$700.00} for inaccurate and unfair credit reporting. 

Failure to provide remedy and/or provide me an accounting ledger will possibly lead to litigation.

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 2021-07-17
Company: BBVA FINANCIAL CORPORATION
State: TX
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 was charged a {$99.00} annual fee on XX/XX/XXXX. I called to close the account by phone on XX/XX/XXXX. The account was closed but the fee did not refund. They then processed an automatic payment on XX/XX/XXXX and took the {$99.00} from my checking account. 

I contacted them by phone on XX/XX/XXXX. I was told I wouldn't get the annual fee refunded. They indicated that I had used the account this year and owed it. I disagreed and asked to be transferred. I was transferred to a department that then hung up on me. 

I have not used the card since XX/XX/XXXX. The annual fee is a prepayment for the ongoing year, not a bill in arrears. 

Further, nothing in the term indicates that the fee is non-refundable. Industry practice is to refund the fee if contacted within the billing cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 recently reviewed a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. Under the Fair Credit Reporting Act 15 U.S.C 1681i all unverified accounts must be promptly deleted. If you do not have any documentation in your file to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ) .By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Please don't respond to my request by saying these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. The accounts are listed below XXXX XXXX XXXX Account # : XXXX XXXX  XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # XXXX 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 non-monetary relief