BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-06
Company: FIFTH THIRD FINANCIAL CORPORATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Fith third Incorrect information on a credit report XXXX XXXX  I have a XXXX XXXX XXXX with XXXX XXXX and dealing with this company has been a nightmare. Agents from XXXX XXXX have contacted my job and family members ( family members not associated with my account or loan ) all under the guise that " they are trying to get in contact with me '', which is not true. They have taken unauthorized payments from my account which were never returned. This entire experience has been traumatizing and extremely stressful. I'm convinced that their tactics are intentional and lead to emotional distress. Their corporate office is completely unprofessional. Specifically, my MOST unpleasant experience has been with their corporate account specialist XXXX. She is completely unprofessional and absolutely intolerable. She is rude and condescending and his attitude is completely disgusting. He uses intimidation and insults as a means of negotiation. I am so frustrated with how this is being handled that I am prepared to take this to litigation. I have asked on NUMEROUS occasions to be assigned to another account manager and he has made it his joy to terrorize me weekly. I have even said on NUMEROUS occasions that I would be willing to settle if I had another account manager. At this point, he's a bully and it's very clear that XXXX XXXX does not listen to their own phone call recordings. XXXX XXXX is the ABSOLUTE WORST!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: EQUIFAX, INC.
State: KY
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:
In accordance with the Fair Credit Reporting act XXXX for the following accounts : Account # XXXX, Account # XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX  ), Account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ), Account # XXXXXXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX, Account # XXXXXXXX XXXX  XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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 purchased a heat pump from XXXX XXXX XXXX on XX/XX/2021 for {$2800.00} that arrived damaged. I followed the company 's process for reporting that damage and they indicated they would issue a refund. They did not issue a refund and I contacted Capital One. Capital One issued a temporary credit and asked for the merchant to respond. The merchant provided a response saying that the item was not damaged, however in their own response they show documentation that the product was delivered damaged. 

Capital One rebelled and asked me to respond with documentation supporting my claim. I provided 17 pages of documentation showing that the product was delivered damaged, showed the conversation with the company where they show it was delivered damaged and said they would issue a refund, along with other documentation. Within a single day Capital One denied the claim saying I did not provide information. 

I received a damaged item. I followed their process for reporting this. I followed Capital One 's process for disputing. My agreement with Capital One clearly shows that I have protects for these things. Supposedly the protect against such things, not only with basic protection but also insurance against this type of thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not a duplicate request. These companies have XXXX business days to remove the identity theft from my report which I have stated is not the result of material misrepresentation and they have refused to uphold my rights as a consumer. The identified accounts must be removed in accordance with consumer law and to protect my right to privacy and a correct report. Please see attached documents for immediate removal.

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 2023-02-10
Company: VW Credit
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX, I purchased my leased XXXX XXXX XXXX. At this time, I was not advised that my Auto-Pay would be turned off and that I would need to reset all my banking information. Over the last three months I've been under the impression that my payments were being made automatically. I did not receive an email because my paperless settings were also removed. Over the last three months I have been traveling between the New York, XXXX, XXXX, and Colorado and did not receive letters. XXXX did not call me to advise that a payment was due. 

This morning I received an email from the Credit Bureau advising I had missed a payment. I was completely shocked to see that it was XXXX. I went online and saw I was {$1400.00} past due and paid IN FULL IMMEDIATELY. At this time, the XXXX website is still not allowing me enroll into autopay. 

I called XXXX and they advised that since I went from a lease to a purchased vehicle I needed to have reset all my payment information. I had no idea that this was the case. If you look at my credit history, you will see I've never missed a payment in my life. I'm devastated that this happened and would like something corrected as soon as possible, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX gained unauthorized access to my credit report on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Chime Financial Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021 I filed a dispute with Chime in the amount of {$600.00}. Due to not receiving my shipment I ordered. Over the course of three months I called Chime weekly for updates. They gave me the ran around. I was told I will have my money or a decision by XX/XX/XXXX today is XX/XX/XXXX I havent received anything. No one is given me any info and its really nerve wrecking. I own a business and have bills. I just want my money back put money for pain and suffering I had to experience. Chime is very unprofessional

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit reporting agencies are required to remove any accounts listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of accounts that do not belong to me or were opened without my permission. XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX XXXXXXXX XXXX XXXX {$490.00} ; XXXX  XXXX Balance : {$0.00} XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted in from alleged identity theft, not later than 4 business days after the date of receipt.

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 2018-08-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian Credit Bureau lists one of my previous addresses as : XXXX XXXX XXXX XXXX, XXXX, FL XXXX. This is incorrect. I have never lived there before. It was an old work address, not my residential address. Experian needs to delete this address from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to 3 credit bureaus was XX/XX/2023, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-24
Company: EQUIFAX, 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 my second request via CFPB, your company has fair in providing full validation of this public records in the way the FCRA require, you has no provide me proof of how you validate these public records, who did you spoke with, position held by this person, how long was this conversation. I a third party was use to validate this public records this is a clear violation of FCRA and this request will constitute proof of my request to your company to enforce my consumer '' s right. An identity theft report had been filed with the FTC and a police report had been filed : XXXX County Police Department # XXXX. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. if you continue listing these items illegally this complaint will serve a proof in a court of law. I'm reporting this as an effort to clear my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21
Company: Atlanticus Services Corporation
State: CA
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:
Fortiva has opened a credit card under a fake name and has been paying off the debt from my bank account/

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent a dispute to XXXX  on XXXX. I never got a response of results or the investigation. I have attached the letter that was sent. 

I sent a dispute to XXXX  on XXXX. I never got a response of results or the investigation. I have attached the letter that was sent. 

I sent a dispute to Transunion on XXXX. I never got a response of results or the investigation. I have attached the letter that was sent.

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 2020-07-21
Company: CITIZENS FINANCIAL GROUP, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX  XX/XX/2019 XXXX XXXX XX/XX/2019 Citizens one XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 I dont recognize these inquiries and did not authorize none of these companies to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Bread Financial Holdings, Inc.
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
A check for {$2300.00} was mailed to Comenity Bank to pay the full balance of my XXXX XXXX credit card, on XX/XX/23. the check was applied to the account according to their website on XX/XX/23. The account was overpaid by {$200.00}. Yesterday I emailed them and requested the {$200.00} I overpaid be refunded to me and received a response that the refund request had been made and to wait 7 days for the check. 

Today I logged into check on things and the website shows that the {$200.00} credit has been reduced to {$150.00}. Reviewing the account it clearly shows interest being charged the day AFTER the account was paid in full. I do not believe these charges are valid and want them reversed. I called the company and spoke to 2 different individuals XXXX ( I may be remembering their name wrong ) first and then a supervisor XXXX. Both insisted that they can not reverse the charges, and XXXX insisting that they are valid. The first person I spoke with also said that the payment posted on XX/XX/23, but as you can see from the attached pdf of my account ( account summary.pdf ) it says it was posted on XX/XX/23. 
According to the dates on their website after logging into my account, the charges were posted after the balance was paid in full. I have read my account statement and I do not see anything that says they can charge interest after the balance is paid. I want the charges reversed and my full overpayment of {$200.00} refunded to me. Thank you for your time and assistance. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-06
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rushmore LM is the Mortgaging processing company. On XX/XX/XXXX, they sent me a notification that my loan was sold and transferred on XX/XX/XXXX, my loan was sold and transferred and was completed on XX/XX/XXXX. This violates XXXX XXXX stating, '' Fifteen notice must be given prior to the sale and or transfer of a mortgage ''. As well as completed within XXXX XXXX of the advanced notice. They failed and violated my rights as usual. When is CFPB going to do something about Rushmore continuous violations of my rights. XXXX or XXXX attempted modifications, each time they lose documentation so they can deny me. Using automated dialing and voice messages to contact my cell phone in direct violation of FDCPA. They claim they are allowed to do so. About XXXX received over past XXXX XXXX Enough is enough

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
JPMCB AUTO FINANCE has violated my rights XXXX XXXX XXXXXXXX XXXX XXXXXXXX States I have the right to privacy. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX XXXXXXXX XXXX  XXXX - Definitions ; rules of construction - Exclusions.-Except as provided in XXXX the term " consumer report '' does not include + any report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX XXXX XXXX XXXX XXXX A creditor may not treat a payment on a credit card account under an - open end consumer credit plan as late for purpose. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

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 2023-12-20
Company: S&S Physician Services, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was living abroad during the period of XX/XX/XXXX- XX/XX/XXXX as an expat. Upon repatriating, I found that my credit score was severely affected due to a number of fraudulent accounts reported under my name. I disputed those accounts and was able to have them removed except the one reported by " Harvest Associate Inc. '', which is shown as in collection, with the original creditor listed as " XXXX XXXX XXXX '', a hospital XXXX XXXXXXXX that I have never visited in my entire life, let alone during the reported year of XXXX, where I was physically living in XXXX / XXXX. There is simply no possible way that I could rack up a medical bill when I was on a different continent!! 

I was able to successfully dispute this account with XXXX. However, XXXX insists that the record from Harvest Associate Inc. is correct, without conducting any actual investigation. " Harvest Associate Inc. '' also insists that the collection account is definitively mine, even though they could not provide any definitive proof ( they could not have because, again, I was not physically in the country when the medical cost was incurred ). 

This record has negatively affected my ability to secure an apartment lease when I first moved back to the US. After multiple disputes, both XXXX and Harvest Associate Inc. still insist on upholding their false claims. Now it's affecting my chances of getting a mortgage for my new home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation