BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX ; XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$270.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and was opened fraudulently. I do not now, nor have I in the past, had an account with XXXX XXXX. This account needs to be removed from my credit report. This false reporting of a collection/chargeoff account, that does not belong to me, is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-10-31
Company: Experian Information Solutions Inc.
State: GA
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 submitted a dispute due to identity theft in XXXX and sent in affidavit on the following accounts. XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX and XXXX XXXX. But accounts still remain on report so I submitted another affidavit the first part of XXXX but still nothing has been done. The accounts still remain 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 non-monetary relief
Consumer complaint received 2020-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company has been reporting on my account for years I have tried a number of times to get this item removed I let them know I was a victim of fraud/if therft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I asked XXXX  and Transunion on to conduct a investigation per section 605b of the FCRA. I sent them a copy of a FTC AFFIDAVIT NOTARIZED AFFIDAVIT AS WELL AS A FTC IDENTITY THEFT REPORT. 
I sent all request certified mail ON XX/XX/XXXX OF 2020 or with delivery tracking. They refused my blocking request of the information because they cant meet the time guidelines set forth by the FCRA. XXXX  said no on XXXX by letter to the blocking request with no reason why? But said they would do a regular investigation which simply gives them more time then what is set forth by the FCRA FOR SECTION 605B. Not giving a legitimate honest reason why is a violation of my rights by law. Transunion on XXXX sent a letter and said no that they had investigated in one day and had clearly not investigated anything and offered to do a regular investigation into the identity theft. I WILL SUE ALL OF THEM IF THEY DO NOT GET THIS CORRECTED. THIS IS CAUSING ME FINANCIAL DAMAGE.

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 2018-04-02
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Collection account opened XX/XX/2017 {$280.00} Was making payments for two months, stopped receiving any mail, emails, texts or calls, several months later I get my score checked and i owe the collection agency who also never sent any mail, calls, or emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sequium Asset Solutions , LLC. has has sent multiple letters and emails demanding payment on a debt they claim is owed to XXXX XXXX XXXX XXXX in the amount of {$68.00}. I have responded to each and every letter/email requesting validation of the debt. After the fourth contact, they final sent a copy of an original XXXX XXXX XXXX bill for {$68.00}. However, the bill was for service from XX/XX/XXXX - XX/XX/2019. I closed my account with XXXX XXXX XXXX on XX/XX/2019. As such, the bill is inaccurate and includes amounts that I do not owe. Despite having failed to validate the debt after repeated demands for validation, I have received notice that multiple derogatory remarks were placed on my credit file with the credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: FORD MOTOR CREDIT CO.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
On XX/XX/XXXX I went to the Auto Dealership, ( XXXX XXXX, XXXX XXXX, NV XXXX ) to roll my lease into a purchase. I met with the salesperson who I used to purchase the lease in XX/XX/XXXX to talk about what options I would have to buy the car. He told me he would have to submit the information for approval since I am retired and on a fixed income. Later on that afternoon he called me back and said that I got approved @ a 9 % interest rate. Later on I XXXX " Interest rates on used cars '' and the current standard industry is around 4.5 %. The next day ( today ) XX/XX/XXXX I went back into the dealership to see if I could negotiate a more reasonable interest rate since I felt like they were gouging me. At one point during our conversation with the counter person who handles the loans the sales person looked at him as we were discussing the loan and said ... Isn't the rate@ 9.5 %? Yesterday it was 9 % and today it is 9.5 %? We continued on for a while and the counter person said ... It isn't us it is the main XXXX XXXX XXXX company that is setting the interest rate. A few minutes later we were still haggling and he said ... '' What do you want a point off ''? After that I started thinking if it was XXXX XXXX XXXX and not the Local Dealership were I was at making the decision on the interest rate ... Why would he be making that statement? He also mentioned that if I had a job he could get me a lower interest rate? Isn't that discrimination in lending? Why should I be treated any different than anyone else? I have been in this lease almost 3 years and have never missed a payment. Also the counter person kept mentioning that it was them ( XXXX XXXX XXXX ) not us setting the interest rate. I also have a credit score of over XXXX. So I just found this on XXXX ... 

Auto Loan Interest Rates | XXXX XXXX, a division of XXXX XXXX ... 
XXXX XXXX XXXXXXXX XXXX XXXX, Term, Interest Rate, APR**. 740 & Above, 0 to 48 Months 0 % Down Payment, 4.00 %, 4.00 %. 740 & Above, 49 to 60 Months 0 % Down Payment, 4.25 %, 4.25 %. 740 & Above, 61 to 72 Months 0 % Down Payment, 4.50 %, 4.50 %. 700-739, 0 to 60 Months 0 % Down Payment, 5.50 %, 5.50 %. 650-699, 0 to ...

According to the above I should get a 4 % loan w/a 750 or above credit score and my fixed income should not reflect the outcome of the interest rate XXXX XXXX wants to charge me. Also note the new car financing in the area is@ 0.9 % and 1.9 %. Hope you can help me with this as it saddens me that a reputable Corporation would want to gouge their customers just because they think that their behavior is appropriate. Anyway, thanks for your time and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: EQUIFAX, 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 information incorrect

Complaint:
On XX/XX/2020. I received an alert for updated status on my credit report regarding a dispute I did on XXXX XXXX XXXX. I had an account showing as charge off, although I didn't owe that account. After disputing early XXXX, on XX/XX/2020, XXXX XXXX XXXX updated the credit bureaus. However ; the charge off status was removed but, the account remained and with a open balance of {$490.00}. I still don't owe that amount. This is an open checking account and it was never closed or charged off, no balance owing. ( I'm attaching copies of bank statements for XXXX, XXXX, and XXXX showing the account without that balance owed. However, XXXX and Equifax still is reporting it as such as if it was a revolving credit. Equifax is even showing it as if it was a credit card with a high balance of {$490.00} which is not accurate. This is an open CHECKING account. I have disputed it again from XXXX XXXX XXXX, and XXXX  and Equifax through XXXX XXXX XXXX. This is affecting my credit score for my debt to income ratio.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: CITIBANK, N.A.
State: CA
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:
During the time that I was paying this credit card, I was working two jobs in college and while all other payments were on time. I missed the payment during XX/XX/2016 and it was an honest mistake because I was focusing on school and forgot that I had this bill to pay. I spoke with a representative and they informed me the would be unable to remove the late mark from my report at the time, that is why I am asking for reconsideration now. I have a 98 % on-time history and this incident was about 2 years ago now. I spoke with the representatives around the time and they informed me that they were unable to remove the " late '' payment, now after consideration I would greatly appreciate it if I could have this removed as I have not missed a payment or been late since this time. Not to mention, I was younger and did not understand the importance of credit at the time. I am now trying to increase my credit score and this would help  immensely. Thank you for your time and consideration.

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 2018-04-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Last year as I was starting a new job, I was forced to sign up for automatic deposit. After giving my employer the account number and bank information, I thought I would be able to access my money on the date I was paid. 
Due to an error with the routing number, the funds were not made available to me. However, when calling to check what the issue was, I found that they had already accepted the funds but they just wouldnt make them available for me. So I couldnt ask my employer to send me my check again with the correct account because as far as my employer knows, I was already paid. 
Adding insult to injury, my account had just gone negative and I was charged an overdraft fee. This wouldnt have happened if they had moved the funds appropriately. 
To make matters worse, I was tossed around from department to department while calling chase about it until they closed on that Friday. 
I was not able to get my paycheck until that Tuesday at which point I had been harassed by the bank over the overdraft fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-13
Company: WELLS FARGO & COMPANY
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
XX/XX/2018 : Initiated a complaint to Wells Fargo regarding my business credit card for the last 2 days about incorrect available credit of {$99.00} which shows in my account. The available credit should be {$260.00} and the credit limit is {$500.00}. I explained to them about an order from XXXX which charged my account was completely cancelled and I received an email confirmation of this cancelled order and they refused to make adjustment or having issues making the adjustment to my card.

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 2018-04-02
Company: Experian Information Solutions Inc.
State: WA
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:
Experian - I unknowingly signed up for the credit report service for {$22.00} a month back inXX/XX/2017. When I saw that I have been charged in XX/XX/2017, I immediately called to cancel. Since then, my family and I I've been very busy with a cross-country move and new jobs, and did not notice that the billing continued. I'm now in a different time zone, and have been unable to connect me with customer service because the wait times when I am available are always 3 hours or more. I'm seeking restitution of {$50.00} to cover the expenses cost as well as the cancellation of my account effective immediately.

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 2020-10-31
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I mailed the attached Experian Dispute Letter dated XX/XX/2020 to Experian, which was date stamped on XX/XX/2020 by them. In that attachment, I specifically listed the inaccuracies and/or incomplete ( blank ) information, and requseted the points of contact information they claimed to have used ( Data Furnishers ) that used a Metro 2 format ( Record Layout ) to verify the information on my credit report as being accurate. In addition, I identified the late payments displayed on my credit report, as I have NEVER been late on any of the accounts listed in the attached dispute lettre ( XXXX XXXX XXXX XXXX ( Individual or Joint ) or XXXX/XXXX XXXX ), and those accounts displays inaccurate account numbers, which the burden of proof is on the credit bureaus. I find it very disturbing, appalling, and disrespectful that the identifiable accounts have been ignored as I received vague responses and stall tactics from Experian dated XX/XX/2020 neglecting to report verifiable and accurate informatoin.

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 2020-10-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Capital One have close my checking account, however when I inquire about the fund in my account they keep saying they are doing the investigation. It has been over two months since the account closed. Still I can not receive my fund back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/2018 and I noticed an unauthorized inquiry had been made on XX/XX/2018. 
I contacted XXXX XXXX XXXX  XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX XXXX XXXX ( XX/XX/18 ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, 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 2018-09-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I made a purchase online at XXXX on XX/XX/18 and the merchants website glitched and charged 11 duplicates for the same product. I immediately emailed the company after I noticed all the charges in my bank app asking them to cancel the duplicates. They refused and said all sales are final and I couldnt receive a refund. I then called my bank USAA to dispute the charges and they issued temporary credits, looked into the transaction and agreed it was a glitch and said I wouldnt be responsible. A month later I got a notice from my bank that they were starting an investigation. USAA asked me to contact XXXX and ask for a refund again. The merchant didnt answer for a couple weeks and when they finally reached back to me they said they only received 6 chargebacks. They supplied me with a label and I shipped 6 of the products back on XX/XX/18 and they received them on XX/XX/18 and told me they accepted the chargeback. When I got back in contact with a dispute rep from USAA they told me to ask about the remaining orders. I then started getting emails saying the disputed cases did not end in my favor and were being closed and the initial temporary credits started reversing and I still didnt have the refund from the 6 accepted chargebacks. I called back to the dispute rep and she said it shouldnt be closed so she reopened the case and said she would contact the back office dispute team to stop the credits from reversing, look into the missing chargeback refunds, and contact the merchant XXXX for me since they were now ignoring my emails. We spoke last on XX/XX/18 and she said she would contact me again in a couple days. Since then all of the credits reversed totaling {$2300.00} out of my checking account, Ive called her extension every day for the past week and a half and havent gotten an answer even after leaving messages. I emailed XXXX and they confirmed the chargebacks were accepted and they said theyve done all they can and its up to my bank to finish the chargeback. Im now in a back and forth and Ive talked to 5 different reps at USAA at different levels who can only seem to make notes to my account and tell me to keep trying to call my assigned dispute rep or contact the merchant. No one can give me an answer on my chargeback status or when or even if I will receive my money back. My dispute rep started out great but has disappeared for 2 weeks now and seems to be ignoring/avoiding me. Ive been dealing with this for nearly 3 months now, product was shipped back a month and a half ago and accepted, and plenty of proof and all requested documents have been submitted to USAA. I dont know what else to do and I desperately need this money to pay my bills immediately. I authorized 1 purchase, not 12. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: Alpine Credit, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020, added a derogatory remark to my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the debt. Debtor 's creditor did not verify this information. Also, there was NO written form of communication, contrast, or signature for the account debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, ALPINE CREDIT INC has violated my rights as a consumer and I'm requesting legal action to remove the account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for an American Express XXXX card about a year ago, and there was a sign up bonus of XXXX points for spending certain amount. I met the spend requirement, but never received the bonus points. I reached out to Amex at least 5 times, and spoke to multiple managers. Over the phone I was given several different version of story, but all of them told me that I will get the points soon, and it was either computer system glitch that they will fix soon, or no thing to worry about, the points will be credited to my account in the next few weeks. That is why I wait and wait for months after months, but still no points.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX, CREDIT SYSTEMS added a derogatory remark to my credit report per XXXX  XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the debt. Debtor 's creditor did not verify this information. Also, there was NO written form of communication, contrast, or signature for the account debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, CREDIT SYSTEMS has violated my rights as a consumer and I'm requesting legal action to remove the account immediately.

Company response to consumer: Closed with explanation