BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-08
Company: EQUIFAX, INC.
State: KS
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:
FICO keeps reporting seriously delinquency through my credit union FICO score app when no credit bureau reports this and shows me current and without delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Duvera Billing Services, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Duvera showed up on my credit report as a loan I haven't made payment on. I checked all my loans I've made payments on all of them and none of them are through duvera or XXXX. I honestly have no clue what this is so I'm going to assume it's fraud

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Bread Financial 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: Account status incorrect

Complaint:
complaint XXXX was filed. Commenity Bank corrected the issue. 
However, the reporting to the credit bureau was not corrected. They brought my credit score down by 50 points. I called the company twice to correct and as of today, nothing was done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-25
Company: Experian Information Solutions 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:
I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations.

Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider -- > XXXX XXXX XXXX XXXX Not Proven Compliant Account -- > 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 2018-02-01
Company: CAVALRY INVESTMENTS, LLC
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, I paid a collections debt in XX/XX/XXXX to Calvary Portfolio Services LLC. The original debt was with XXXX. We settled for less than the original amount due totaling about {$2300.00}. On XX/XX/XXXX, I received a letter from XXXX stating that they owed me {$340.00} for misusing my account protection that I had during the time the account was open. The letter stated that it would be sent to my account. I called XXXX and they said that because my account was closed, a check would be sent to Calvary and Calvary needs to forward me the check. When I called Calvary they stated that in XX/XX/XXXX, the {$340.00} came to them and they applied it to my CLOSED account. They said they kept the money because we settled for less than the total amount, so they just applied the refund to the money received for the settlement. I kept asking the customer service supervisor to explain to me how they can keep money on an account that has been settled, paid and closed and her only response to me over and over again was that the account was settled for less than the total amount of debt. I received a letter after paying the settlement and it stated that my account was paid for less than the amount and was closed at that time. If the account is closed, they need to send me the money that was sent to them. It is robbery that they are keeping this from me and they are breaching their contract in stating that my account was closed. Please help me figure this out. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX Mailed in disputes to credit bureau ( XXXX, XXXX, and XXXX   ) for unknown account at Portfolio Recovery Assoicates and XXXX XXXX ( XXXX   ) for amounts of {$590.00} that appeared on my credit report. 

XX/XX/XXXX Mailed certified letter to Portfolio Recovery Assoicates and XXXX XXXX ( XXXX  ) letting them know that account was not opened by me and ask for signed contract of me agreeing to this account. All they sent back was Summary of account statements and that is not accurate. 

XX/XX/XXXX Mailed all information to credit bureau ( XXXX, XXXX, and XXXX ) asking them to delete information due to account is not verifiable and not accurate and its still reporting on credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: Navient Solutions, LLC.
State: MO
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX XXXX has been trying to collect a debt that is completely not accurate at all. But recently, they have been contacting me at work-which will get me fire. The first call that came through, which was two weeks ago. I asked them then to stop calling my work, they just hung up on me. This last week they have contacted my work 3 times, leave a voicemail twice. One the third call, I was able to speak with the rep and she stated they would continue to call because that's the only number they had. Which is a lie, because they call my 3 to 4 times a day. The rep was rude and told me that If I didn't want the calls, I should just pay. 
The debt that they are trying to collect is from XXXX XXXX in XXXX XXXX XXXX. The reason this debt is completely inaccurate is because XXXX XXXX is telling me that I never filed the necessary paperwork to leave school. This is not true at all, I had a mental breakdown AT SCHOOL-and the XXXX staff/ department are the ones that filed that paperwork for me. Because they filed the paperwork, the housing department was notified and help me gain access to all of my paperwork and turn in my keys. Every time this debt gets transfer, I have to resubmit the paperwork to XXXX XXXX and they pull the account back from the collection company. We do this dance every year.

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 2020-05-07
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for a Barclays credit card on XX/XX/XXXX. They requested I send in additional documents, which I did ( so that Barclays can not fabricate when they receive my documents I have a tracking number - [ USPS TRACKING # - XXXX XXXX XXXX XXXX XXXX XXXX ] )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2018 I contacted TransUnion about a dispute and incorrect information being reported on my credit report by XXXX XXXX. I was informed that XXXX XXXX verified the incorrect information and that I could submit another dispute. I contacted XXXX who said they contacted TransUnion to verify that they received the reporter payment history. My problem is that XXXX claims they have reported my payment history to TransUnion and TransUnion says they only have what is shown on my credit report. XXXX with XXXX said that when they contacted TransUnion they verified that the correct history had been reported. I already filed a complaint against XXXX but Im not sure if the issue is with XXXX or TransUnion now. I am in the process of a mortgage application and XXXX has agreed to advise my lender of my up to date payments and the pay off of the balance. I need my credit report to reflect the correct payment history.

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 2018-02-20
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
Sent XXXX XXXX XX/XX/XXXX informing them that my ex-husband XXXX XXXX filed bankruptcy XX/XX/XXXX furthermore the court has entered an order of discharge releasing him from all debts. Nevertheless, XXXX placed debit on all three credit reports. I requested them to remove debit from my credit file per bankruptcy on XXXX XXXX credit file original account holder. Contacted all three credit reporting companies XX/XX/XXXX and XX/XX/XXXX to file disputes, however they did not remove item from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX my bill for account CITICARDS CBNA ( Opened XXXX XXXX, XXXX ) did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

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 2018-07-28
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Sat. XX/XX/2018 at XXXX  I called Chase regarding my credit card. FIRST, I get a message that my voice is being recorded and can be used to identify me.

SECOND, when I speak to a customer service rep, she has a heavy accent, has no idea what I am asking her & then start reading a script.

I do NOT want my voice recorded and saved/used for identification purposes.

I do NOT want to speak with a person who does NOT UNDERSTAND ENGLISH, when I am calling about financial transactions. Chase advertises US based Customer service ; this customer service rep was located overseas and could NOT UNDERSTAND SIMPLY STATEMENTS. Chase should be investigated for FALSE advertising and collecting personal data ( my voice ) WITHOUT MY PERMISSION

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Last XX/XX/2020 I tried to call customer service at Capitol One credit card to get my phone number changed, and address changed before I relocated to XXXX from XXXX XXXX.. customer service told me to wait after I relocated then call. So I did ... ..When I called they said they could not verify it was me by my cell phone number since I was on my daughter and Son in law 's plan.. ( I gave them my Social security # etc ... .the reason was because I discontinued my land line and I am on a shared cell phone line with my Daughter and son in law billing because they own a XXXX store in XXXX XXXX.. ( it's cheaper for me to be on their plan ) they stated either I get a land line number in my name again OR a separate cell phone # in my name they would not allow me to go on line again to pay my bill or see my charges ... .. ( I had discontinued the paper bills four years prior ) and paid my bill on line each month ... ... ..Then when I complained they had a representative from Capital One call me and she was sarcastic and condescending about my being on my Daughters cell phone sharing bill ... .and that nothing they could do for me because they had no proof of who I am.??????? all this after I gave them my complete Social security # my new address in XXXX  etc ... then she wanted me to send her my drivers license as proof who I was ( are you kidding me? ) ... ... it's been a nightmare and four months later I still have no paper bills sent and I can't read my statements on line..nor can I pay extra to get my bill paid down ... .I have been a card holder with them for over 16 years and no problems now all of a sudden they are saying they can't help me get this straightened out so I can get back on lien to pay my bill each month nor can they send me statements..I had no problems with XXXX XXXX card nor XXXX card when I relocated ONLY Capitol ONE ....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
I received a {$100.00} Mastercard gift card in XX/XX/XXXX for the amount of {$100.00}. The card was in its original packaging and had never been opened. The bank issuer of the card is XXXX XXXX XXXX XXXX. When I attempted to use the card at a grocery store it was declined. Upon calling the XXXX Customer Service number on the card I was told the card had been XXXX   out by {$2.00} charges per month commencing one year after the card had been purchased, which was XX/XX/XXXX. The outside packaging does not state these expenses will occur after the first year of card purchase. Rather this information is contained in the " Cardholder Agreement '' document inside the packaging. The printing on the packaging states the card is " valid thru XX/XX/XXXX '' and that it has " no value until paid for and activated at register ''. The outside instructions do not explain the purchase of the card activates the card. " Activating '' the card could be interpreted as when the receiver of the card begins to use it. This again is explained in the " Cardholder Agreement '' inside the sealed gift card package. I attempted to contact XXXX XXXX XXXX XXXX by telephone but could only reach call centers, even when I called the XXXX for XXXX XXXX  XXXX XXXX directly. I then mailed XXXX XXXX XXXX XXXX a registered letter on XX/XX/XXXX to request they reinstate the value of the gift card back to {$100.00}. I never received a response. I included my address, telephone number and email address in my letter. I also left a message with the call center contact person requesting a reinstatement of the card to its original value but did not receive a response.

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 2019-08-29
Company: Experian Information Solutions 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:
Made several attempts to have inquiry remove. Company fail to comply to FCRA guidelines. Inquiry placed from an unknown source on XX/XX/2019

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 2021-02-09
Company: BARCLAYS BANK DELAWARE
State: WA
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:
My name is XXXX XXXX XXXX My ss # is XXXX XXXX XXXX My DOB is XX/XX/XXXX I have 2 accounts with XXXX, both credit cards with XXXX balances. 

In XXXX of XXXX I used the XXXX rewards card to purchase internet access for {$7.00} on An XXXX XXXX Flight to New Mexico. I never used the cards since and am also in very good standing with Barclaycard. My bank to make repeat payments was closed that I was expecting to make on the {$7.00} balance, I did this to simplify my finances. 

At the time I was traveling in XXXX XXXX, NM, ( From XXXX to the end of XX/XX/XXXX ) - and was not receiving any mail that would be sent to my XXXX XXXX, and never received any correspondence from Barclaycard, not did I received any email correspondence also. 

Earlier last week I saw that the {$7.00} charge was posted to my credit report, yes .... the {$7.00}. Given my good standing and the fact that this was so petty, I called Barclay Card 's customer service - went through the phone tree and was repeatedly told that I made a mistake by not paying the {$7.00}. 

I was escalated to a manager and was agreed to be contacted back with a resolution and NO ONE from Barclaycard has contacted me. They mentioned this would be over email and I also confirmed my email. 

Today, a week later XXXX, I call Barclaycard 's customer service and am escalated again to a manager, and he told me they under no circumstances would they be willing to remove this from my credit report. I let them know that I was expecting written contact from the Barclaycard customer service team and no body responded back to me I feel completely lost in this circumstance, no one is willing to help me. It's not about the {$7.00} its about the fact that we are in the Pandemic and one of the most turbulent economic environments in history and an institution that large is not willing to help, but rather tell the little guy to XXXX  XXXX. Please help 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 2018-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
On XX/XX/XXXX I sent a dispute ( CFPB # XXXX ) to XXXX XXXX XXXX XXXX regarding 30 day lates reporting in error. The investigation took longer than the 30 days permitted by the FCRA. The investigation did not conclude until XX/XX/XXXX. 

The reporting by XXXX XXXX XXXX  account # XXXX ( see attached Credit Report ) must be immediately deleted and permanently removed 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 explanation
Consumer complaint received 2020-07-04
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1400.00}, {$2000.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$6100.00}, {$2400.00}, {$6000.00}, {$920.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

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


-- STUDENT ACCOUNTS 4. DEPT OF ED/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

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

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

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

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

9. U S DEPT OF ED/XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 

10. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

11. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

12. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$920.00} -This is not my account.

Company response to consumer: Closed with explanation