BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-14
Company: U.S. BANCORP
State: CA
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 applied for a credit card with my bank, set up auto-pay, and consistently paid for the card I applied for. However, I noticed my accounts were being deducted twice for an unauthorized credit card. Despite bringing it to the bank 's attention, they didn't clarify the issue, and I stopped payments for the unauthorized card. I reported the problem to credit bureaus, but the bank refused to remove the account, resulting in a delinquent charge-off, negatively impacting my credit.

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 2023-02-13
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was informed that the company had taken care of the situation and the matter was closed..I never received any compensation for them closing my account without 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 explanation
Consumer complaint received 2018-08-24
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This company maintains that they have acted above board. However as of today I have yet to receive one of these letters they have claimed to have sent me. I only received these because they forwarded them to CFPB. 
On XX/XX/XXXX it was claimed that a review of the call determined that it wasnt to cover the balance on the account. I advised that there were multiple calls and requested a copy of the calls but never received anything. 
XX/XX/XXXX you advised all billing statements were sent out. That the emails were sent but again never received on any email account that I have access to. This is strange because I received a statement at the end of XX/XX/XXXX which has caused me to file these complaints in the first place. 
XX/XX/XXXX letter I was advised that neither of these credit card accounts use text alerts for billing however as you can see from the enclosed documents I have now been receiving them every month like clockwork. 
I forwarded a complaint to the better business Bureau to whom which your bank refuses to acknowledge. I forwarded a complaint to your states attorney generals office and the office forwarded the complaint again to CFPB. 
Now that I have these documents I will again forward my complaint it shows that either there is an issue in the company that needs to be resolved or this company practices are to provide incomplete and unethical business practices and does it best to cheat its customers. 
At each turn I have been provided with falsehoods to email billing statements to we dont send text messages. 
Now every other day I am receiving calls for payment 2-3 calls a day but when it was beneficial to you to steal and over charge me I never received any calls at the level I am getting now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My issue is that in XXXX of this year I disputed a charge from XXXX XXXX  and the investigation was found to be in my favor. I was told by a rep ( XXXX on XX/XX/XXXX ) at the card company that on XX/XX/XXXX the amount of {$230.00} and change was credited back to my account and then on XX/XX/XXXX it was refilled and then recredited on the same day and then again rebrilles on XX/XX/XXXX. It is not clear why, even to the representative. I had spoken to many representatives all telling me different things. 3 of them ( XXXX who I spoke to on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX ) all promised me a refund that they have still not credited me. Im not only confused about how this charge keeps appearing, but also how a company could keep promising a refund and not delivering. Also how they keep recharging me and not even notifying me why!

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 2023-10-24
Company: EQUIFAX, INC.
State: GA
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:
XX/XX/2020 two accounts was opened fraudulenty. Criminals used the accounts and ran it up fraudulently. I called and had the accounts closed when I finally found out. But their still reporting on the credit bureau files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and removal due to inaccurate reporting in my file. 
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 2021-12-20
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
On XX/XX/2021, I was made aware through the website XXXX XXXX that Merchants & Medical Credit has been added as a derogatory mark towards my credit. Merchants & Medical have not tried to notify me directly ( Neither written or by telecommunication ) about this debt they are trying to collect. XX/XX/2021, I contacted Merchants & Medical about this debt, and tried to negotiate a " pay-to-delete '' solution. They complied with this. Although, when I requested to receive written agreement for the " pay-to-delete '' before I made the payment of {$500.00} in full, they stated it was against company policy to do so. I feel as though I did not receive the fairness I should've that is stated within the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: EQUIFAX, 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:
On XX/XX/2023 applied for credit card with XXXX, but when I got an alert from credit monitoring service I saw there were ( 2 ) hard inquiries with the same date from where I visited the branch and applied. I am not disputing that there shouldn't be an inquiry, but I am disputing the fact that there is ( 2 ) inquiries on the same date for the one credit card. I called XXXX on XX/XX/2023 and spoke with representative and she stated there should have only been one hard inquiry for the branch visit on XX/XX/2023. She told me to dispute with Equifax as they are the credit reporting agency in question. I filled out the online dispute form but there was not a 100 % fit for the instance in question so I decided to dispute it here as well with a better explanation. As soon as the credit card comes in and I activate the XXXX XXXX said she would add an note to my XXXX report but I want the duplicate inquiry removed as it will affect my ability to obtain credit in the future. I am going attach a PDF showing the XXXX inquiries in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: CAVALRY INVESTMENTS, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
: On XX/XX/XXXX, I mailed a letter to validate a collection that is being reported to the credit bureaus. 
The account was opened with Calvary on XX/XX/XXXX, showing a balance of {$5700.00}. Calvary Port failed to respond to my validation letter. The uploaded attachment is the letter that was mailed.

Cavalry is currently reporting a collection on my credit report, which I would like to resolve as soon as possible in order to rebuild my credit. 
I sent a debt validation letter to Cavalry on XX/XX/XXXX, which they received on XX/XX/XXXX. They responded within the XXXX window, but they did not include any actual validation or proof of the debt. Rather, they simply affirmed their position that I owe them money and let me know that this matter is currently with their lawyers. ( Considering that it would be illegal for Cavalry to sue me for this debt in New York, I am not sure why they felt the need to mention this. ) I would like for this debt to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Sequium Asset Solutions, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Constant harassing phone calls daily about a XXXX XXXX account I do not own. This has been happening since XXXX. They keep saying that theyll take me off their list but they keep harassing me at my place of business. The companys name is Sequium. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Prince Parker & Associates
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I spoke with Prince Parker for a debt that was erroneously placed on my business credit report, they offered no solutions. My business was just filed with the Secretary of State and is being affected by Prince Parker.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Cell phone was paid off in-store on or around XX/XX/2022 .. services were cancelled. Records should show when Id zeroed out the balance. Not sure how any additional fees were accrued. This was result of XXXX XXXX clerical error

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 2021-12-20
Company: U.S. BANCORP
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was on military leave and did not have access to the internet to pay bills during that time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-24
Company: DISCOVER BANK
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I opened my mail on Wednesday, XX/XX/XXXX. I was sent a letter from Discover saying I was pre-approved for a loan for debt consolidation. I went to XXXX and filled out the form. I was then directed to call XXXX to speak to a representative to verify some information. I called the number, as directed, and it states it is the discover personal loans department. I was on the phone with a lady who asked questions to confirm my identity - Name, date of birth, phone number, current address and social security number. I gave all of the needed information. She then asked why I wanted to consolidate my debt and what accounts I wanted to transfer the funds to. She then explained that I was approved and informed me that they are able to transfer the funds to the accounts I wanted. She was very persistent with that being the best option. I said that I wanted to have it deposited into my checking account and that I would distribute it as necessary. She then told me I was not approved and that they would send me a letter in the mail explaining why. I thought it was very odd since I was already pre-approved and she said I was approved initially. I was frustrated but thought nothing of it. Friday, XX/XX/XXXX, Discover e-mailed me about getting started on my Personal Load. I was confused that I received an e-mail from them when I had previously filled out the SAME form and was told to call and then denied. I chose the option to chat with a representative. I explained the situation and the kind lady began looking for my application. She verified who I was and informed me that she found no records of me applying. She asked me what number I called and then told me that it was not a valid Discover number. At that point I googled the number XXXX and saw that someone noted it was a scam number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-06-15
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
Lexis Nexis is reporting a bankruptcy on my credit report that has not and can not be verified because federal court does not report to any of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have submitted numerous complaints to the 3 credit bureaus indicating the numerous errors being reported on my consumer reports. They all claim that they have verified that all information being reported is accurate. However, this is not the case. I am now in a position where I am unable to secure employment, buy a house, and Im unable to build up my business all due to the credit bureaus refusal to report accurately. Please remove all negative and inaccurate information in my reports. This whole situation is ruining the quality of my life and my familys. Please see attachments. The attachments display all inaccuracies and unverified information. I am not requesting any more investigations, I want everything deleted from my reports that is negative and inaccurate. Do not investigate! Delete this unverified, inaccurate and fraudulent data. The bureaus have multiple credit profiles for me. This is a violation of my consumer rights. Please correct my name, address and delete all negative data from my consumer report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-24
Company: BlueChip Financial
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A person called me claiming that were collecting a debt from XXXX and that they worked for a company called XXXX, which when I search it is a clothing company, and called from a number that when I searched it did not show a name of a company. The number is XXXX XXXX. 

They threatened to serve with me lawsuit papers if I did not pay them the amount owed of {$820.00} today., They stated that they knew where I worked and what day I get paid. 

Very threatening and abusive

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Consumer Financial Protection Bureau, I am writing to formally lodge a complaint regarding an unjustifiable hard inquiry made on my Equifax credit report. This inquiry, conducted by XXXX XXXX on XX/XX/2023, pertains to a credit card that I have never possessed. The inclusion of this unsanctioned hard inquiry on my Equifax credit report has resulted in substantial damage to my creditworthiness and financial standing. Regrettably, this situation has caused considerable financial distress by obstructing my ability to secure new credit accounts and adversely affecting my credit score. 

Despite making multiple attempts to contact XXXX XXXX and request the removal of this inquiry, the company has displayed an alarming lack of responsiveness, neglecting to take any corrective measures. Consequently, I implore the CFPB to expeditiously investigate this matter and take the necessary measures to eliminate this unauthorized inquiry from my Equifax credit report. I firmly believe that this inquiry is both inaccurate and gravely impeding my financial prospects, notably hindering my capability to purchase a home. 

In light of these circumstances, I urgently request immediate action to rectify this issue and safeguard my financial reputation. Your attention to this matter is greatly appreciated, as is your assistance in resolving this situation promptly. I extend my heartfelt gratitude for your support. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: NATIONSTAR MORTGAGE LLC
State: ID
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband passed away in XXXX. He had a reversed mortgage on our house - I was not old enough at the time to be put on the mortgage. After he passed away I contacted the mortgage company and found out they had a new program called the " non-borrowing spouse '' program where, if I qualified, I could remain in the house. I did all the required paperwork, they kept asking for more all the time dragging it out. They have put a foreclosure on the house and I need that action stopped until this issue can be resolved. I called the mortgage company weekly to get an update and was always told it was in the review stage and that they needed additional information. I immediately faxed all required documents - they probably have XXXX or XXXX copies of everything. When I called them on XXXX/XXXX/15 XXXX told me that I had been denied because I had n't had everything to them within the 120 day requirement. At no time was I told that I had 120 days to get all of this done. Actually everything was to them within that time limit but they are the one 's that kept asking for more and more. They also said that I would have a letter from HUD stating that I was denied within 10 days and I have never received a letter from HUD stating this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm responding to case number : XXXX with Capital one credit card services. I tried numerous attempts to rectify the matter. Only to be ignored without the proper investigation. This debt was settled over 5 years ago as settlement in full for lesser amount. The representative that took my payment in XXXX agreed to remove the charge off status from all three major credit bureaus since the account wasn't sold to a 3rd party agency, since the account remained in Capital one collection Dept.  Okay..for years as agreed the charge off was removed from my credit report. Well ... .here we are in XXXX, I recently filed Chapter XXXX and was discharged. As of XX/XX/XXXX, " Charge off '' status was update on the account from Capital one. Knownly, that I'm trying to establish myself, this account reflects negatively on my credit report. This debt is scheduled to be removed from my credit reports XX/XX/XXXX. I need this matter updated correctly immediately. I mailed 2 separate letters Capital one dispute department and my last letter, I went as far as addressing it to the president of the company. The out come of the investigation, Capital One said they will not update my report because it's reporting accurate, and since the account was in default at the time of payment they aren't obligated to make any adjustment. They are wrong on so many levels, they need to pull the tape with me and the representative in XXXX to validate my claim and honor the promise of removal of " charge off status ''. I'm so disgusted that I also contacted XXXX and file a compliant today complaint # XXXX

Company response to consumer: Closed with explanation