BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-20
Company: Scheer, Green & Burke L.P.A.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX ( XXXX ) XXXX is reporting a collection amount of {$310.00} Account # XXXX which they are indicating they transferred to Scheer, Green, and Burke CO. LPM ( XXXX ) XXXX ext XXXX and can not update my credit report. I contacted Scheer, Green, and Burke CO and paid the {$310.00} File No XXXX, but they are stating that XXXX XXXX XXXX still has my file and has to update my credit report. Soo..I called United Collection Bureau and they stated that I no longer have an account there, have no record of me paying it off, and can not update my credit. I have attached my credit report showing the collection from XXXX XXXX XXXX and the receipt from Scheer, Green, and Burke. Few things 1. Why is United Collection Bureau reporting a collection amount of {$310.00} when they state they don't have an account for me? 2. Was it incorrect of me to pay Scheer, Green, and Burke? 3. How do I get this removed from my credit ( either completely or as paid )?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-21
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have been fighting this bankruptcy for years because of the inaccuracies inside of the bankruptcy which is why its dismissed. Well today ; I logged onto XXXX  to verify that all of the information was correct ; ie. case numbers, closing dates ; etc., and I noticed that the case number listed on all 3 credit bureaus are incorrect. The case number listed in XXXX  is XXXX ; however what being reported on all 3 credit bureaus and probably XXXX and XXXX is incorrect information. Its being reported as 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 2020-10-22
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Due to struggles with Covid 19 paid a bill a few days late, but paid in full. CHASE will not credit the late fee and continue charging late fee over late fee over late fee and would not take into account COVID 19 hardship. My husband and I are currently unemployed. Today asked them again and they told me no and when I logged into the account, it was closed. The balance is XXXX and is totally late fee and interest. They removed the other fees they charged improperly. Illinois only started paying unemployment for COVID in late may and as soon as we got it we started paying all the bills. I had no issues with other cards, they removed the late fees if any were incurred and paid all my balances, except for CHASE.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
Your company is in clear violation of the law, Pursuant 15 USC 1681a 2 ( A ) ( I ) EXCLUSIONS- Except As provided in paragraph ( 3 ) the term consumer report does not include ( A ) subject to section 1681s-3 of the title, any ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; The law clearly states : Transactions or Experiences between the consumer ( me ) and the person ( you ) ( Capital One ) Making the report is NOT INCLUDED on my Consumer report! 
Utilization is in an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) ( CAPITAL ONE ) that is making the report. Congress clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which congress clearly states IS NOT INCLUDED on my CONSUMER REPORTS. 

You have 10 calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account/s Capital one credit card account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: Diversified Consultants, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have called Diversified Consultants to dispute the debt but they refuse to speak with me. They send me around to various employees and are making no effort to resolve issue. I do not owe this debt and they and other collectors have called me for the past 3 to 4 years on this debt. They claim it was a debt incurred in XXXX, CA at a time I was still stationed at XXXX XXXX, Oklahoma.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-23
Company: American First Finance, Inc.
State: MS
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:
My name is XXXX XXXX and I am a consumer/natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: Experian Information Solutions Inc.
State: SC
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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a credit card approvals. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX  XXXX US DEPT ED XXXX U S DEPT OF EDXXXX XXXX DP OF EDUC XXXX USDOE/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 2021-11-05
Company: EQUIFAX, INC.
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
This complaint is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

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 2021-01-25
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an account with XXXX XXXX/Syncb which charged off several years ago. I have tried multiple times to pay off this account but they say that it is not collectible and they can not take payment for the account as they issued a 1099 for the account. I need this account to report a XXXX balance and from what I understand by law they have to either take payment or report this as a XXXX  balance if they issued a XXXX. I have sent letters to both XXXX XXXX  in XXXX and directly to the credit bureaus XXXX and XXXX  in XXXX, XXXX and XXXX requesting that the balance be updated to XXXX but nothing has been updated. I had also enclosed proof of the 1099. I ask that this be corrected on my credit report to a XXXX balance OR allow me to pay the balance so that it will reflect a XXXX balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: VA
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:
According to Public Law 116 - 136 - Coronavirus Aid, Relief, and Economic Security Act '' or the " CARES Act '', you are prohibited from furnishing adverse information during a covered major disaster period. The President has not declared the end of the national emergency, which means this is still in effect. I am requesting that you delete all adverse items of information on my report. More specifically, delete all of the adverse information furnished by XXXX XXXX from my credit file immediately. Per the cares act, no documentation of economic hardship is required. You are in noncompliance of federal law and you are civilly liable to me for XXXX the dollar figure specified under section 813.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
On this date, XX/XX/2020 I received a phone call from Capital One Bank collections department stating that I was overdrawn in my checking account. As I have had a {$10000.00} credit line fully available ( no outstanding balance ) attached to this checking account for well over a decade, I informed the caller of that and she said she could not help me - that was a different department and they were not available for me to talk. The ONLY thing she cared about was she just wanted the overdraft covered. 

I then pulled a checking account statement and called the number posted. After a very long and significant wait a gentlemen answered and reviewed my account. He infomed me that Capital One as a Company decided to Close All credit lines and Not honor them any longer as of XXXX of this year! I told him that I was NEVER informed of this decision and that I wanted to know why - he only said that Capital One claims to have sent a notice which I NEVER received. I purposely was using the line to make a payment of my mortgage. They honored the check at least but without knowing the line was cancelled an they not providing any proof of notice the account was overdrawn! I did not learn this until I eceived the prior mentioned call ... .from collections! To add insult to injury, they have closed ALL the branches near me so I cant go there and they charged me an over draft fee of {$35.00} which the man on the phone said he would NOT reverse! A fee that should NOT have been charged and would NOT have happened if not for their despicable action and NO NOTICE!!! This bank should NOT be allowed to operate AT ALL in this country. I will seek another bank but want to know how they could be allowed to take this drastic and improper action. The credit line cancellation has also obviously adversely affected by credit score. Had I been properly noticed I would have closed the account then BUT, in any case, to close this line in the middle of a COVID crisis is despicable!!! I await your response. TY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
XXXX XXXX Reported : XX/XX/2023 Never open this card and they still reporting to my accounts. I did open an identity theft and this company will not take this off my credit report. 

Again I dont have this account and its been closed and investigation started. 

I want this taken off my reports

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 2021-04-15
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, if someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Transunion. 


1. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX   XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

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 2018-10-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2018, we placed an online order for a hotub with XXXX 's XXXX. XXXX 's took the money from our account the day after the order was placed and 2 days later put the funds back into our account. Approximately 5 weeks later we attempted to obtain status of our order and were told by XXXX 's that we did not have an order because our payment did not go through in which we explained it was initially taken and then returned to our account. Based upon this, we offered to pay on the spot under the condition that we would not have to wait another 6 - 8 weeks and we were told that was not possible. We therefore received written confirmation from both XXXX 's XXXX and the 3rd party vendor who manufactures the hot tub that our order was indeed cancelled. At the end of XX/XX/XXXX, XXXX 's again withdrew the {$6500.00} as payment for the hot tub that was cancelled. We disputed the charge and our money was returned to us. We have provided USAA Federal Savings bank all the documentation evidencing that the order was cancelled on 2 different occasions and received confirmation that it has been received. On Monday XX/XX/XXXX, the {$6500.00} was once again taken form our account over drafting the account approximately {$4000.00}. The money was taken a full 10 days prior to the deadline issued by USAA and the documentation to evident the order cancelled has been confirmed received by USAA. We have repeatedly requested immediate resolution to this matter since it was their error and no one has been able to return the money to our account. We are asking that this be rectified and would like to know our consumer rights for damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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 2020-12-06
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
American Express sued Defendant XXXX XXXX XXXX XXXX through their counsel : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX File # : XXXX Defendant XXXX XXXX XXXX XXXX made contact with XXXX XXXX XXXX XXXX on Wednesday XX/XX/XXXX. The reason for me making contact was because even with the " Stipulation Agreement '' being satisfied as of XX/XX/XXXX, the docket with the court has yet to be closed. Interestingly enough, American Express 's legal counsel claimed over the phone that I still owed a balance even though the Stipulation Agreement ( to which I have a copy ) has been fulfilled. Respectfully, I demand the docket be closed at once, and any inaccurate reports that are currently with the credit bureaus need to be wiped clean of any debt with respect to this American Express account. 

The stipulation hereby states on part 7 : " Upon payment in full of the amount required under this Stipulation, Plaintiff or Plaintiff 's counsel will mark the above-captioned matter 'settled, discontinued and ended. ' " A payment in the amount of {$85.00} was sent to XXXX XXXX XXXX on XX/XX/XXXX through my Debt Relief solution. The stipulation agreed to settle the account with a total payment amount of {$1000.00}. This total amount was spanned out to be paid in increments monthly beginning in XX/XX/XXXX. The first 4 payments were to be {$55.00}. These were all honored. The next 7 payments were to be {$100.00}. These were all honored. The last payment was to be {$85.00}. This was honored. At the present time, it has been several weeks since this has been fulfilled. I have yet to see a closed docket through the XXXX XXXX 's online database, which is not only concerning, but egregious.

Company response to consumer: Closed with non-monetary relief