BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-19
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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date XXXX : XX/XX/XXXX Balance Owed : {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX on my XXXX XXXX credit card was canceled. I received a letter from XXXX verifying the cancellation. XXXX XXXX XXXX were charged to my account on XX/XX/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 2023-04-11
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In the month of XXXX I noticed that there was a whole bunch of un- authorized charges on my credit card which was apparently done in XXXX XXXX , I immediately contacted the number was on the back of my credit card and disputed those charges which were close to the amount of {$11000.00} and I asked the person from the credit card company who was taking the notes from me if I need to make a police report and she told me No! you don't need to police report everything 's going to be taken care of by us. At that point they shut down my credit card and sent me a New credit card number with all the fraudulent charges reversed. About three weeks later the fraudulent charges were put back on the credit card. I contacted them back again with the number on the back of my credit card and I asked them what happened and they told me that the charges were placed back on my credit card, and I asked them why? And I was transferred to a supervisor by the name of XXXX XXXX and he told me that the person who originally took my report originally were new and they did not know to instruct me to do a police report when I called the first time. Then he said they can't reopen the case again until I file a police report, so What I did the following day was make a police report and I faxed them a copy of it which is in my fax machine and says it was received by the by the bank and also send them certified mail which showed up it was received by the bank and nothing was done on their part at all.

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 2021-11-19
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My son XXXX XXXX leased an apartment with 3 other boys from the Retreat in XXXX, XXXX XXXX XX/XX/XXXX to XX/XX/XXXX and was cleared by XXXX " their main Maintenance Technician '' at the time. He lived in XXXX for an additional year, and we lived in XXXX XXXX, CO as the Co-Signers for him and never received notice of a pending or overdue maintenance issue. Apparently a year later, the new owners of the apartment complex sent letters out to all previous tenants " Which we never received, and we have never been provided although we have asked several times and can be verified on the recordings from Columbia Debt Recovery when they first called me in XXXX of this year and then again about every 6 weeks after that '' I asked them for a copy of the documentation as well as a list of the damage since all of the leases were charged the exact same amount of money for damages caused in the apartment, but apparently nobody can document the damages. I told them that the Retreat has a history of sending out these notices after the fact and we wanted proof of the damages before we would entertain paying anything to the company. If they couldn't provide it, then it was just a made up letter. In XXXX or XXXX of this year, I told them to quit harassing me since they could never provide anything in writing to me and to take the case to court, instead they sent it to my Credit Report. I want them to either provide documentation of the validity of the collection debt with a listing of alleged damage per room that would equate to approximately {$1700.00} ( {$440.00} x 4 boys who shared the apartment and were all charged the same amount ) or we remove this fake credit collection amount from Credit Report and restore my XXXX point drop to my credit score and penalize this company for improperly reporting something to the credit bureau when it should not have been done. Additionally, I would ask that someone look into the Retreat at XXXX for improperly targeting young adults that are attending the University of Mississippi and ruining their credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received an alert that a collection was placed on my credit file. Once I looked on there I notice a collection was placed with XXXX XXXX XXXX on my TransUnion credit file. I have no acknowledgement of this debt or understand how it just appeared out of nowhere on my report, so I disputed it. Additionally, I never received a validation letter or any communication from the credit buyer through any other means. This was all stated in the dispute with the TransUnion, but miraculously the dispute came back as verified as correct information. I don't know how that is possible when the credit buyer never sent out the notices required by law! This Company has done this in the past, and will now try and use the credit reporting agencies ( CRA ) and CFPB as middle men to try and pass validation/verification letters and other correspond through in hopes of it qualifying as their communication for FCRA purposes, which is also against the law, instead of sending that correspondence via certified mail like the regulations require. I would really like to know what XXXX relied on when verifying this account since there is nothing showing the acct. was verified unless it was forged.

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 2021-11-19
Company: EQUIFAX, INC.
State: FL
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 credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: GA
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 they violated my rights. 
Please delete the following items : XXXX  XXXX Bankruptcy Case Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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:
On XX/XX/2019 an inquiry was reported to my consumer report and I didnt no authorize that inquiry. My private information was reported to equifax, XXXX and XXXX without my consent and that is a form of identity theft. Furthermore I called equifax and and they did not adhere to any of my complaints. I called XXXX and spoke to XXXX ID # XXXX and she told me she is a not a credit bureau specialist and doesnt know why I was never sent a 1099-C form for my alleged charge-off. I asked XXXX was her company a furnisher of information and she replied yes. So I asked her does she know 15 USC 1681s-2 responsibilities of furnishers of information to consumer reporting agencies and she told me no. I repeatedly asked why I never received a 1099-C form for this alleged debt and she had no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: BANKMOBILE TECHNOLOGIES, INC
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I been trying to get my funds going on XXXX weeks now from my school bank first I order an new card to try to access my virtual card didnt work because they said I had to put the previous pin I used which I forgot they didnt help on that saying thats a security problem and they cant do nothing about that now today the card I was waiting for they sent to the wrong place no they charging me again to buy a new replacement card to come to the right address that I put the first time

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 2017-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX 2017 {$520.00} Credit limit is {$200.00} Sent proof of receipt payments that rental was being paid through XXXX XXXX. Allowed rental company to recharge and go over my credit limit of {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Exeter Finance Corp.
State: GA
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:
I purchased a vehicle In XX/XX/2019 and later filed for bankruptcy. This vehicle was listed on the bankruptcy and during that time I was involved in an accident where the car was totaled however the vehicle is listed as a repossession and late payment even though it was paid in full by the insurance company. This is through Exeter Financial

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
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: Personal information incorrect

Complaint:
I am filing this complaint because the Credit Reporting agencies are inaccurately reporting outdated and or wrong information on my credit profile. I have mailed to the agencies my correct and accurate personal info to be displayed on my credit profiles. I will attach the letters I sent to each bureau. Please erase and remove ALL OUTDATED AND INCORRECT personal information from my credit and update with the correct information. I will have attached the info that should be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: EQUIFAX, INC.
State: VA
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 credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: Berman & Rabin, P.A.
State: MS
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Agreed on a settlement. Once completed instead of updating my account or removing the debt they brought it current and insist that I still owe them funds when I do not. I have reported it to the credit beaus and the company itself along with sending my full payment receipts and they all have denied it. I go to look up the debt on the website and it now says my account isn't even found.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
They charged my acct XXXX 2 times on XX/XX/XXXX and they stares its a mistake in thier end and I have over XXXX dollars in the bank. They told me they will get my acct in order it is escalated. I have been calling XXXX my acct is in the negative XXXX Bcz of these charges they have debited I have no access to my money. Each day I call they say they dont know when I will get my money from my paycheck but they do see it is an error on their end. In the meantime my lights are out my car is repossessed and I am about to loose my job because I work from home. I dont know what else to do but call them everyday and they refuse to give me my money so I can pay my bills XXXX if 2 mistakes that have made

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: Resurgent Capital Services L.P.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Company has no contract with me and is in violation of 15 USC 1681 15 USC 1692C 15 USC 1681 s-2 I proceed further action of law suit if not deleted from my file The burden is not on me It is the Bureau I have no written contract with this company this is my final letter about this company or I will exercise my rights as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Im trying to open a Premier HSBC checking account and savings account with HSBC. I had a Premier account with them many years ago which I decided to close and was closed with no issues, no negative balance or any problems at all. When I went to open an account today online, the website stated the system recognized me as having a current or past account, and asked me to call a number XXXX. When I called them and explained the problem, they were able to get my info and found the previous closed account. They informed me they couldnt help me over the phone, and that I had to call a local branch to ( and I quote ) have my profile deleted so I could then apply for the account. I contacted my local branch and I was told thats not how it works and that they had no idea what that was about. I was advised to call back that number and ask for a supervisor. I called back and asked to speak with a supervisor and was told there werent any. The agent on the phone did not offer any solutions to my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: MS
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chime asked me to send documents to show unemployment from Michigan for last year but I wasnt staying in Michigan. They are asking about a lump sum I received from PUA 2020. I sent that letter to state that I currently was eligible for those funds and released it! Chime found it unusual activities and asked to upload documents. I sent everything they asked for, plus utilities, lease, redetermination letter for PUA, my lease and ID. I sent this multiple times for days because they keep sending me to the same emails stating that they have not received it. Ive sent this information to all Chime support, review @ chime, outreach @ chime, used the link they sent me and through their support for requests. They suspended my account when Ive sent all documents. I called customer service and they said they dont see the documents Im uploading on the link but they see the screenshots stating they have received the documents and they will escalate. Then they sent these same emails that they have not received it. Customer agents are limited and very rude!!! They wont fix anything. Im XXXX and need all my money. May you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: Experian Information Solutions Inc.
State: VA
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:
While I was attempting to do a refi on my mortgage, I was told by my mortgage company that i had a default payment on a student loan from XXXX. I have never taken any courses at XXXX. This is the information I received ( Dept of ED- GUARANTEED, Case # XXXX, Authorization # XXXX. ) I have no Idea why this was on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-07
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXXXXXX To who it may concern ; i have several collection agencys named XXXX XXXX XXXX & MIDLAND FUNDING LLC. Please be advised that i am disputing these collections due to the fact that the collections agency ( XXXX XXXX XXXX & MIDLAND FUNDING LLC ) does not currently have a valid license in FLORIDA to collect on debts. I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that XXXX XXXX XXXX & MIDLAND FUNDING LLC ) are licensed to collect in Florida. Your immediate response will be greatly appreciated.
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Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: National Credit Systems,Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am the author of this complaint and I have attached a copy of my driver 's license, social security card, and an identity theft report to this complaint. I contacted NATIONAL CREDIT SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) about an account that they are reporting to my credit report. They are reporting the account fraudulently and without my authorization and consent. They claim that I owe them balances on debt accounts but they have not provided VALIDATION that a contract exists between myself and NATIONAL CREDIT SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ). If no contractual obligation exists between us then how could I legitimately owe them for any debt? 

If NATIONAL CREDIT SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) continues furnishing, reporting, and making attempts to collect debt that does not belong to me then I will have to include them in an arbitration claim for violation of the FCRA, FDCPA, and for aggravated identity theft. Please see NATIONAL CREDIT SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) 's info in identity theft report attached

Company response to consumer: Closed with explanation