BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: Store credit 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 XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( online at Best Buy ) and charged it to my Best Buy Credit Card. The bike was delivered and had a defective tension motor out of the box as well as a software issue where the screen would stop working. I contacted Best Buy and they said they can not assist and that I need to deal with XXXX XXXX  directly. I contacted XXXX XXXX, who then sent me to a 3rd party for assistance with my warranty. This was during the return window. They declined to help as well. I went back to Best Buy and they said they will not assist. I now have a bike I paid {$2100.00} that does not work properly. I continued to reach out to Nordic Track and the 3rd party they contract their warranty to and they continued to stone wall me. I spent a year calling them repeatedly about my defective bike and many hours of phone calls. One service agent suggested that I have my " partner '' fix it for me. I am single. This was offensive. They then stated that I could pay one of their service partners {$250.00} for a service call, then let that service partner order parts, pay for the parts, spend another {$250.00} for another service call, and they will review it later and see if they will reimburse. This seemed like a fraudulent money grab. Please keep in mind this was defective out of the box upon delivery and clearly within the warranty timeframe. After so many calls and receiving no help the bike just sat in my living room unused. This year I paid out of pocket to XXXX XXXX in XXXX, CA to diagnose the bike. The charge was {$100.00}. They said it was a defective tension motor. They ordered the part and returned on XX/XX/XXXX to install it and I paid another {$120.00} plus the cost of the part for that service. The bike was ridden about XXXX times per month since then and the tension motor ( a XXXX XXXX  part directly from the company ) failed again and the flywheel/bearings are also defective ( knocking sound ). This feels like a lemon and I have been sold something that was improperly manufactured and the company just stone walls its customers by sending them to a 3rd party that frankly could care less about honoring the warranty. All told this was sold as a commercial quality bike and it has never actually worked as advertised and the parts I am repairing have been confirmed as a manufacturer 's defect. They need to replace this bike or refund the charge. Best Buy has an obligation to not sell defective merchandise. They are absolutely a big issue in this whole transaction.

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 2023-11-02
Company: EQUIFAX, INC.
State: LA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 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 of 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I just checked my credit score on XXXX XXXX and equifax is showing a score of XXXX. I do not understand this as I have no adverse or negative items on my credit report and all my accounts are paid on time with no late payments. No bankruptcy and No judgements. I called equifax to confirm that there is nothing negative reporting on my credit report and it was verified as nothing negative reporting I asked how can my score be so low? I was told I have to purchase my score. I explained that I would like to have an updated credit report sent to me because my score should be much higher than a XXXX. I was told I already received my report for the year. I again explained to the rep that I am dis-satisfied with this answer and I am unable to view the report online for some reason. I should be able to have another report sent to me for free to see why my score is so low.

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 2017-07-16
Company: JPMORGAN CHASE & CO.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A  XXXX  Scammer from   XXXX   mailed me a counterfeit check which I deposited into the Chase bank on   XXXX   XXXX   XXXX   in  XXXX , IL. Chase then closed this account and sent it to collections. I sent chase a check to pay this off recently to   XXXX   XXXX   and have offered them other methods to pay off the debt and bring an account with my name on it into the positive and they refuse to. Why is everyone giving me a hard time? Either by scamming me or not accepting my forms of payment? Why dont the scams in our media i.e. ( internet, mail, tv, and e-mail etc.. stop? ) I do n't want to harass Chase bank I want to have legit money because what can you do in this world with no money? Right?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: NJ
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:
There is information on my consumer report that is identity theft. I did not provide written permission or instruction with a wet signature for these transactions to be reported on my consumer report. I reached out to you recently to fix these! I'm requesting that this info to be blocked and deleted ASAP.. You have caused me mental and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint is not being handled accordingly. I have not been able to purchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit record. I attached a letter that I previously sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 : XXXX  Acct # XXXX ( Personal Loan ) XXXX XXXX XXXX # ending in XXXX ( Credit Card ) XXXX XXXX  Acct # ending in XXXX ( Credit Card ) XXXX XXXX Acct # XXXX ( Collection ) XXXX Acct # ending in XXXX XXXX XXXX Acct # XXXX Bankruptcy XXXX XXXX Reference # XXXX Bankruptcy XXXX  XXXX Reference # XXXX have all 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 an account without written instruction.

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 2021-07-21
Company: Link Revenue Resources, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have repeatedly had XXXX XXXX XXXX call this company to tell them they are balance billing and the debt is not owed but they just get a new credit collection agency to take the collection claim. I am under constant harrassment for a debt that I do not owe. They also use a service called Link Revenue Resources which tell me that they can not stop billing until the " facililty '' tells them to. The only number for XXXX XXXX billing is the phone number to Link Revenu Resources and the corporate office does not help me either. I am attaching the multiple contacts I have had with them in 2021 alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This is absurd because I have consistently made timely payments on this account and have never been overdue. Please adjust my account to reflect this accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12
Company: Renton Collections Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Heat pump installation incomplete. Paid half up front and expected to pay remaining half on completion. Installer improperly installed equipment. Installation company point of contact denied my identified code deficiencies. Once City inspector concurred installers point of contact became threatening. I asked for product and procedures the installers employee would be applying to the " rework '', Installer 's point of contact erroneously stated code requirement and would not identify product or procedure information. Installers point of contact threatened to lien my property where the product was installed and damage my credit record in a seven day period if I did not operate by their directives ... This Thursday evening XXXX/XXXX/2017 I received a call from a collection agency and a visit from a process server. The installation company has been sent by certified mail a dispute notice ( they received XXXX/XXXX/2017 ), a request for validation of debt ( separate certified notice they received XXXX/XXXX/2017 ) and an administrative remedy ( eta XXXX/XXXX/2017 ). The installer does not have an installation contract that I am aware of, I sent the first half payment with the proposal but there was no conflict resolution process language and I was led to believe half up front and half on completion by the sales person and the installation scheduler.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Credit Karma, LLC
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 status incorrect

Complaint:
There are 2 accounts appearing on my Credit Karma XXXX, XXXX XXXX and XXXX XXXX that are still appearing as open but XXXX deleted these account months ago but Credit Karma will not delete them I am asking that Credit Karma obtain updated information for these 2 accounts from XXXX so that they can be deleted from the Credit Karma XXXX as they have already been deleted from regular XXXX. So I am asking you to please help me as Credit Karma will not remove these accounts and they are negatively impacting my credit score and stopping me from obtaining housing. All Credit Karma has to do is get the most updated information about these 2 accounts directly from XXXX and XXXX will have no information on these 2 accounts which will prove that they have already been deleted from XXXX and should therefore be deleted from the XXXX report that Credit Karma shows. I am attaching my most recent Credit Report directly from XXXX which does not show XXXX XXXX and XXXX XXXX reporting to my credit report which clearly shows they have been deleted and proves that Credit Karma does not have the most updated information on these 2 accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I opened a checking and saving accounts plus I had a mortgage with bank of America for years. Bank fees on top of bank overdraft fees

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Friday XX/XX/XXXX I received a fraud alert message FreeMsg : XXXX Confirm It. Did you use your card XXXX on XXXX {$4700.00} XXXX 'S DISCOUNT? Reply YES/NO, STOP to end fraud alerts, HELP or call ( XXXX ) XXXX. I immediately called the bank as I didn't make the transaction. While speaking to the rep she said your account is at {$0.00} lets go through your transactions at which we did and she found that there were several transactions I didn't make. Claim was opened for acct ending in XXXX. Claim number XXXX. The charges were for XXXX and XXXX from the XXXX of XXXX to the XXXX. I called several times because allowing the unauthorized charges caused a dire situations of me being unable to feed my children. I called in today and was told my case was closed because a text alert was sent to me on XX/XX/XXXX which I never received. I also have a police report for the charges. Due to XXXX allowing my funds to be taken and then making the inaccurate decision that I made the transaction. 

Huntington bank obviously agrees with ripping off their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this 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 2023-07-14
Company: Experian Information Solutions Inc.
State: LA
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: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-08-16
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2023 a payment of {$250.00} was made to settle the debt. After the payment was made, a confirmation email was provided indicating that the debt was resolved with this payment. 

As of XX/XX/2023, the account is reporting a balance of {$380.00} as owed and this is not accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-07
Company: JPMORGAN CHASE & CO.
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: Their investigation did not fix an error on your report

Complaint:
I've been going back and forth with XXXX and Chase trying to ensure that my credit card is being reported correctly. I have had excellent history and had this XXXX since XXXX. I've contacted both agencies 3 times in order to resolve the issue. Each side continues to say its the other 's fault. Chase stated that there is some sort of ID block or fraud, I contacted XXXX and they said they removed a freeze and a lock on my report and to have chase resubmit a reinsertion request which chase has done. I keep going back and forth with these XXXX companies and no one can seem to resolve the issue and I just want it fixed. I believe when I had some identity theft back in XXXX they may have messed something up on XXXX end and filed something incorrectly. They say the XXXX XXXX XXXX can fix this but I'm tired of being on the phone. I've spent over XXXX hours total talking to both of these companies and am Fed up and need a resolution. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
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 never gave any written consent to any reporting agencys to report anything NEGATIVE on MY behalf on MY consumers 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 explanation
Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-09-15
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2023 I saw the Wells Fargo advertisement about opening an Everyday Checking account and receive {$300.00} bonus if I follow the terms and conditions. There was a specific sign up bonus button to use, I was taken on the site and signed up. The requirement is I have to have {$1000.00} direct deposit with in 90 days upon opening the account, the deposits were from my work and not transferred money. After 90 days, I haven't received the bonus and when I googled, it says I have to wait another 30 days because the bank has to check if I qualify which I know I did. After the 30 days, still nothing and so I called WF and I was told there was no promotional code linked into my account. Because I know I followed the procedures and I qualify, I insisted and was transferred to a lady who gave me a request code, she talked to me making sure I understand the terms and conditions which she told me that clearly I did understand, she submitted a request for me to get that bonus. She said it'll take 10 days until I hear back from WF. After the 10th day still nothing, I called the bank and was told it was still denied because I don't have the promotional code. There was nothing on the site that says I should receive a promotional code, I clicked on the button they said I should use to sign up.

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 2023-02-27
Company: Experian Information Solutions Inc.
State: IN
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 am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-10-31
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I disputed the collection with the the collection agency my claim shows evidence of identity theft, and everything reported should be shown as accurate. My name is XXXX XXXX XXXX, wrong spelling and addresses have shown constant. I have personal information constantly stolen and used without permission, this has been disputed mutiple times. Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the listed following account with original documents/wet signatures and no screen shots. This delinquent account record is inaccurate. Also, I have still gotten constant calls.This has caused anguish and XXXX. I had to change my phone number due to the calls I request that the following account be promptly removed immediately off of my credit for LVNV Funding LLC for {$120.00} and {$490.00}.

Company response to consumer: Closed with explanation