BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
In XX/XX/2019 I closed my VISA VENTURE credit card account with Capital One. Then On XX/XX/XXXX I made two prescription charges for the amounts of {$480.00} and {$370.00}, which, instead of billing them on my XXXX XXXX account, were auto-billed and subsequently paid by Capital One ( without my permission ). 
On XX/XX/XXXX I received the billing statement from Capital One, which showed the error. I immediately called Capital 1 and asked them to reverse the charges, and in a conference call with XXXX, requested the latter to rebill my XXXX XXXX account. This was done on XX/XX/XXXX and I subsequently paid for those charges to XXXX. 
On XX/XX/XXXX I received a statement from XXXX, which showed that " a chargeback was processed and created debit memo '' of {$480.00}. When I tried to place a new prescription order, I could not do so without first paying this erroneous debt, caused by fraudulent charges created by Capital One. My inability to order new urgent prescriptions ( of XXXX, XXXX  and XXXX XXXX medications ) is placing me into a life threatening situation entirely caused by Capital One, which appears to be playing games with my account, for refusing to honor my request to close the account back over 6 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I HAVE A WALMART CREDIT CARD WITH XXXX   INSURANCE. I SUBMITTED A CLAIM USING MY PERSONAL MEDICAL INFORMATION XX/XX/XXXX. MY DOCTOR WANTED TO CHARGE A FEE THAT I CAN '' T AFFORD DUE TO MASSIVE MEDICAL BILLS. THE PERSONAL MEDICAL INFORMATION SUBMITTED CONTAINED ALL PERTINENT DATES OF MY XXXX. CARD SECURITY ( XXXX INS. ) CLAIMED MY CLAIM WAS INCOMPLETE BECAUSE THEY NEEDED A DATE FOR RETURNING TO NORMAL ACTIVITIES. MY XXXX IS ON-GOING. I HAVE XXXX XXXX AND I AM STARTING XXXX XX/XX/XXXX. THE QUALIFICATIONS FOR FOR THE CLAIM IS : XXXX  THAT LASTS MORE THAN 90 DAYS. TO FILE WITHIN A YEAR OF DIAGNOSIS, TO BE UNDER A DOCTORS CARE. 
THEY HAVE NOT PAID MY DEBT CANCELLATION INSURANCE INSURANCE AND I KNOW THAT I QUALIFY. I HAVE NOT HEARD FROM ANYONE SINCE THE CLAIM WAS SUBMITTED.

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 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/2023 ] [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] SSN : [ XXXX ] | XXXX : [ XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT NEED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ 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 2019-09-30
Company: Ocwen Financial Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 60 days late payment on the dates XX/XX/2013 to XX/XX/2013. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: TD BANK US HOLDING COMPANY
State: TX
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:
I purchased a XXXX treadmill on a promotional 12-months 0 interest through TD Bank. I paid the card on time and within the12 months. In addition of TD Bank posting the account as paid in full, they reported me as DECEASED. I wouldn't have known this except I was trying to get a mortgage and my bank told me that Experian and Equifax showed me DECEASED based on TD Bank 's report. I called TD Bank and they told me that they even had a death certificate on file for me! I called multiple times for them to remedy this. I called XXXX and XXXX also but I could not prove to them, to their satisfaction, despite answering all their questions to my identity, that I am in fact ALIVE! I was unable to get the mortgage due to these errors on my credit report and the inability or unwillingness of these companies to correct their errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have filed a dispute with Equifax now *4 SEPARATE TIMES* regarding information that is incorrect on my credit report. 

There was information from a lender that was reported to all 3 bureaus incorrectly for 30 days past due. I  have gotten it corrected with XXXX and XXXX ; however, Equifax refuses to properly investigate the issue and is not fixing the report. I have provided proof, I have provided a lettter from the lender, I have followed the process of filing a dispute wit Equifax and they will not correct the issue. Again, the other bureaus report correctly - only Equifax does not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
In XX/XX/XXXX I received in the postal mail an offer to receive the Southwest Rapid Rewards Chase credit card. The offer included a 0 % interest rate for 12 months from account opening. The exact invitation number on the offer that I entered when I applied was XXXX. I received the card in XX/XX/XXXX, and chase has charged interest in the amount of {$170.00}, when the offer clearly stated 0 % interest for the first 12 months.On XX/XX/XXXX, I logged into chase.com and emailed them via the secure message, and attached the original offer letter showing the 0 % promotion. Why have they been charging me interest? They keep deflecting my secure messages with information that is not related to my problem. Can they check that offer invitation number from XX/XX/XXXX, and see that it offers 0 % interest for 12 months? I saved the original offer letter, which I attached to my secure message, so they could verify what I should have received. I received the card stated on the offer letter. ****Please help chase to understand that I should not have been charged any interest for the first 12 months of account opening in XX/XX/XXXX. THEY NEED TO HONOR THE WRITTEN INVITATION NUMBER THAT I ENTERED WHEN I APPLIED FOR AND RECEIVED THE CARD THAT STATED ZERO PERCENT APR ON PURCHASES FOR 12 MONTHS FROM ACCOUNT OPENING. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-22
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2019 I opened a dispute and received a claim # XXXX. On XX/XX/XXXX I  purchased an item through a merchant using my debit card through SunTrust. Originally, I attempted to resolve the dispute with the merchant. XX/XX/2019 I reached out to the merchant/seller and was denied my request by XX/XX/2019. On XX/XX/XXXX I filed a dispute with SunTrust and answered all the required questions by SunTrust about my dispute and attempts to resolve. Within 10 days I called SunTrust and was told I did not need to take any further action. On XX/XX/2019 the dispute was inaccurate closed and re-opened. SunTrust required a affidavit which was faxed XX/XX/2019. By XX/XX/2019 I received a letter from SunTrust asking for the third time for a description, " of what you were expecting to receive and how that differs from what you actually received, along with date mm/dd/yyyy of merchant contact and if possible an expert opinion from a neutral third party. I responded XX/XX/2019 and called today ( XX/XX/19) for an update. I was instructed that it would take another 60 days for a total of about 4 months to resolve the dispute.

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 2018-03-08
Company: Bread Financial Holdings, 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: Credit inquiries on your report that you don't recognize

Complaint:
Creditor : XXXX XXXX Credit Bureau : XXXX   XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from XXXX  on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( XXXX XXXX XX/XX/XXXX ) I contacted XXXX XXXX on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XX/XX/XXXX, and have yet to receive and investigation report or a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for XXXX XXXX or XXXX   who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-06
Company: EQUIFAX, INC.
State: NJ
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:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on XXXX - partial account number XXXX. ( Please see pages 16 and 17 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have been disputing this debt for months and they have not verified the debt properly, this debt is not mine and I asked for verification of the debt making sure that the debt is mine, I was contacted by a company by mail. XXXX XXXX, the debt was originated at XXXX XXXX XXXX XXXX XXXX in the year XXXX. That company sold the debt to a collection company, which is malicious and unethical business tactic. The company submitted documents that does not prove that the debt belongs to me.

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 2020-05-01
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I Have contacted CREDIT BUREAUS on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
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: Personal information incorrect

Complaint:
I Have contacted CREDIT BUREAUS on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XX/XX/2019 XXXX XXXX XXXX placed an account of {$600.00} on my credit report from XXXX XXXX Ohio. This was not accurate. This caused my credit score to decrease by 20 points. I contacted the creditor and they removed this false account from my credit report but my score did not increase by the 20 points I lost it only went up by 1 point. This is unacceptable!! This error was not my fault. My score has suffered 19 points because of an error. How is this legal? Who else is this happening to? Why is it okay for your credit score to be effected by another companys error ... I feel my credit report should have went back up the 20 points I lost. TransUnion stated thats not how it works ... Why??? How are consumers supposed to work towards getting their credit in order if a company can just report a false account and then resolve the issue but your score is still affected??? This should not be happening ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have contacted Equifax 3 times to remove 3 incorrect inquiries which they would not I was instructed by multiple supervisers that if I filed a complaint with the FTC and sent this and my driver 's license, letter of instruction and social security card in via fax, they would remove these. I have attached a receipt from the fax service showing successful delivery to Equifax on XX/XX/2022. 
As I provided what Equifax asked me for, they are violating my rights and also violating the FCRA as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: EQUIFAX, INC.
State: TX
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:
Company or Organization : XXXX XXXX {$950.00} XXXX. XXXX, XXXX {$140.00} Company or Organization : XXXX XXXX hospital {$370.00} all federal trade commission violations reason attached and : In its complaint, the FTC alleges that Equifax failed to secure the massive amount of personal information stored on its network, leading to a breach that exposed millions of names and dates of birth, Social Security numbers, physical addresses, and other personal information that could lead to identity theft and fraud ... XX/XX/XXXX Fair Debt Collection Practices Act violations specify that debt collectors can not contact debtors at inconvenient times. ... The FDCPA makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts. Debt collectors can attempt to reach debtors at their homes or offices.XX/XX/XXXX The penalties for violations of HIPAA Rules can be severe. State attorneys general can issue fines up to a maximum of {$25000.00} per violation category, per calendar year. OCR can issue fines of up to {$1.00} million per violation category, per year. Multi-million-dollar fines can be and have been issued.XXXX XXXX, XXXX all hippa and FTC violations

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Upon receiving my billing statement from Barclay this month I notice that a past due fee of {$500.00} were charge on my account. I have been making payments on time every month of {$500.00} during the investigation not once was I late. Complaint number ID 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 2019-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
These inquiries were not authorized by me & I have explained that they should be removed from my credit report but are still being reported for the following XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX ( listed 6 times ), XXXX XXXX, XXXX XXXX, XXXX, XXXX Card. I have sent in police reports, identity theft reports put a fraud alert on my credit report & you continue to report these even though they should not be on my 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 2018-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Refer to previous complaint # XXXX. I have sent for and received a credit report from another reporting agency, XXXX. This report again shows an address that I have never lived at or used as my address. This report shows a collection of an unpaid debt that I have never had. This report shows an inaccurate payment record, and falsely shows unpaid bills that have never been sent to me. This report does not give a phone number or other method of responding to items that are incorrect on my report to the credit reporting agency, XXXX. If there is shown a way to contact this agency, it is not readily or easily found.

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 2018-06-22
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection on credit report I have no knowledge of agency. Never heard of. Tried to remove from credit report and asked to sign up credit protection programs. Always states updating dispute without any changes in status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: EQUIFAX, INC.
State: NJ
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:
Equifax is reporting incorrectly that I am 120 days past due on XXXX XXXX - partial account number XXXX. ( Please see pages 14 and 15 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief