BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-04
Company: EQUIFAX, INC.
State: KY
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:
I had an account with furniture row and was having monthly payments taken out of my account. The decide to go with another bank and closed my account without notification because the chose a different credit card company to go with. I notified the credit bureaus because it causes my credit score to drop. I am having major problems with Equifax I called them because my score has dropped like 50 points in the past month. I have no new loans or credit cards and no new delinquent accounts Shows nothing has changed but my credit score keeps dropping. I am concerned there is a breach or something happening on my report. My transition had dropped some but not like Equifax. I contacted them and they couldn't give me an.explanation I have a fraud alert already on my accounts. I have done nothing for my credit score to drop that much and I need an explanation. I have seen.my credit report and I can't find anything different besides furniture row doing what they did. That account has always been in good standing and they close that account on.me and it's affecting my credit report and it isn't my fault. Please look into Equifax. Something is going on. I have read online that other people 's scores have been dropping like that too for no reason and the main problem.was Equifax. I am.very concerned. I also have a XXXX XXXX  in collections for {$620.00} and I no recollection of this account. I have disputed it and it is fraud and they say it's accurate and it's not my debt. It's fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-21
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Phh mortgage co was not supposed to report my mortgage situation during the Covid 19 instead they reported an increase in My mortgage from the interest that is not supposed to be charged during the 3 month forbearance period negatively affecting my credit score. In XX/XX/2020 my mortgage was reported to have an increase of {$280.00} during the forbearance period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX  is inaccurately reporting that I was 60 and 90 days late in XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXX for XXXX XXXX. 

XXXX  is inaccurately reporting that I was 30, 60 and 90 days late in XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXX, XX/XX/XXXX XXXX XXXX. 

Transunion is inaccurately reporting that I was 30, 60 and 90 days late in XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXX, XX/XX/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 2020-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Bank of america has stolen {$5300.00} from my account that was returned by XXXX XXXX for money transfers paid in error by and of america in my name but was fraud. XXXX XXXX conducted a case investigation and came to a conclusion that the money was to be returned and refunded to my bank of america account. Bank of america received the funds with myself and XXXX XXXX being provided confirmation of bank of america receiving funds as well as ACH number on XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please see Complaint # XXXX, which was closed without any documentation showing that this account belong to me. The collector written a letter to the CFPB claiming certain events, but did not attach any proof that this account belong to me. I want this complaint reopen and the collection company immediately send me proof of this account with my signature on any charges for this credit card account. I am very disappointed in the CFPB in closing this complaint only on words from the collection company. You gave this company 60 days to respond and they written a letter with no documentation attached and you took their word. Thank god for a new administration maybe the CFPB will do their job like they did before this administration.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: CITIBANK, N.A.
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:
On XX/XX/17, the merchant sold me goods for {$530.00}, including sales tax, ( a used truck radiator support part ) different from that agreed upon ( after the purchase I found it would not fit as represented by the merchant ). After being told by the merchant the part would be exchanged for the correct part, I returned it and the return was accepted. The replacement part, however, also was not correct for my classic truck restoration and the merchant had no other part to offer. He refused to provide a Visa credit, went out to his yard, retrieved the returned part and attempted to stop me to throw it into my vehicle to take away. On XX/XX/17, I entered a billing dispute with Citibank. On XX/XX/17, Citibank 's Dispute Resolution Unit ( Dispute Unit ) sent me a copy of the merchant 's response of XX/XX/17, giving inaccurate and false statements submitted by a person who was not a witness or involved in the sale and return transaction. The Dispute Unit then gave me until XX/XX/17 to further respond. I did so on XX/XX/17. Citibank, however, refused to acknowledge the my document ( later, it finally did but said it was then too late to take action ), and relied on the inaccurate and false statements about the transaction submitted by the merchant. Citibank incorrectly stated on XX/XX/17, that it had no authority to take any further action contrary to Reg. Z.

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 2021-02-25
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Receivables Performance says I owe this debt from XXXX XXXX. This account was opened under Identity theft and fraud to me. They say it is connected to an address I never lived at in XXXX, FL. Date debt collection was opened with XXXX Credit Bureau on XX/XX/2020 for {$1200.00} and is also on XXXX XXXX. I ask for a fraud report packet to be mailed to me in early XXXX XXXXand as of today have not received it. So XXXX said I could go this route.

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 2018-07-18
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX  continues to call me regarding my daughters debt. I am not an authorized user on that account.

They are harassaing me, calling multiple times a week. They have all of my daughters information, no need to contact me. They are also threatning and state that she needs to find legal advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: Diversified Consultants, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A person opened a XXXX account and ran up a bill of # XXXX. It was opened in XX/XX/2018 and closed in XX/XX/2018. 

The collection agency Diversified Consultants ( XXXX ) in Florida reported the account in collections to XXXX  which immediately lowered my credit score by 100 points. 

I filed dispute paper work with XXXX 3 weeks ago and they have done nothing to resolve the problem. 

The account number is XXXX XXXX. The address that opened the account is ( XXXX XXXX XXXX, XXXX, CA XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-16
Company: CMRE Financial Services, 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 asked both XXXX  and CRME the collection Agency Riddled with thousands of complaints to both show me rhe valifity of some debt I dont have any recollection of and I have been gone from the area for 15 years. That is a fact and would expect both agencies to hold to the highest standard of the FCRA and the Fair Debt Collection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have asked both XXXX  and XXXX the collection Agency Riddled with thousands of complaints to both show me rhe valifity of some debt I dont have any recollection of and I have been gone from the area for 15 years. That is a fact and would expect both agencies to hold to the highest standard of the FCRA and the Fair Debt Collection Act.

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 2020-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is a formal complaint that you are reporting inaccurate and incomplete credit information I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information/inquires therefore needs to be re-investigated. 

1. XXXX XXXX 2. XXXX 3. XXXX 4. XXXX XXXX   5. XXXX XXXX 6. XXXX 7. XXXX XXXX ( 2x ) 8.  XXXX 9. XXXX 10. XXXX XXXX XXXX they shouldve only ran my credit report 2x they are showing up on my credit report 4x. 

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my ACTUAL signature.

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

I am prepared to take legal action against Transunion if these items are not removed immediately. I will not wait another month!

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 2020-10-23
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: Their investigation did not fix an error on your report

Complaint:
I received a copy of my credit report after getting a call from a creditor I have never done business with before. After getting my reports from all three bureaus I realized there was multiple accounts and personal info on my report that do no belong to me. I filed a police report and an identity theft report and I also disputed it with all credit bureaus. They have not been removed still.

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 2020-10-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I received a copy of my credit report after getting a call from a creditor I have never done business with before. After getting my reports from all three bureaus I realized there was multiple accounts and personal info on my report that do no belong to me. I filed a police report and an identity theft report and I also disputed it with all credit bureaus. They have not been removed still.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I sent " all items '' regarding this account not being mine due to ID theft. 
So far, I opened these issues with CFPB, XXXX, XXXX, XXXX. Capital One is no longer on my credit, but they still refuse to close this account. 
I want all information I have requested to come to me since you have neglected half of my request and then refuse to close the account with a paid in full. I will keep this up until this can no longer be a financial issue on my part ( total 7 years ) per law. 
You noted in your last reply that " you are unbale to determine that this account was opened without my permission '' is a cop out to XXXX over your customers. Then Capital One refused to provide me will all the information requested including the original application and this is not acceptable. You will receive another complaint every time you reply for several years if needed until this is resolved. I did not open this account, I have no idea who could have, and I am a victim of ID theft. 
Provide me with a paid in full letter to this account and I want this forever away from my credit this includes your frequent selling the id thefted debt to 3rd parties like you have done in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Self Financial Inc.
State: TX
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 did not consent to, benefit from, nor authorize any of the following accounts : Self Financial Inc - Account # 's : XXXX, XXXX, XXXX, XXXX - {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
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: Account status incorrect

Complaint:
I had my first bankruptcy for a failed business in XX/XX/XXXX-XX/XX/XXXX. My lawyer had me list all creditors including my utilities. I had no issue with paying that, and was never late, I just listed it. I ca n't find the old paperwork for that, but just by looking at the dates gives it away. For XXXX XXXX XXXX way back with my first business, which only lasted 2 years. Just reseach it, I had a medical BK in XXXX but it did n't mention XXXX XXXX  XXXX in that one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-15
Company: BANK OF THE WEST
State: MN
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:
I used my Bank of the West MasterCard and purchased 2 tickets to a concert from XXXX. The XX/XX/XXXX concert was cancelled due to covid. XXXX says the concert is not cancelled but postponed so they won't refund the ticket price plus fees. 

I contested the charges of {$120.00} and {$4.00} that posted XX/XX/XXXX on my Bank of the West statement due to " Service not Rendered ''. I received a letter from Bank of the West denying the reversal of charges with them stating that they are not responsible for misrepresentations made by merchants which I choose to due business with. Is this not the definition of " Service not Rendered ''? 

Bank of the West ends the letter with " This is not a bank issue ''. 

The Case ID is 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 2019-08-16
Company: EQUIFAX, 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:
I requested that this company Equifax send the me verifiable proof required to post the account listed on my credit report, which they never did which means its unverified and should not be on my credit report. Despite my three written requests, the unverified item is still listed on my credit report in violation of Federal Law. I need to know Who verified these accounts? How did they verify them? Equifax still have not provided me with the name of the individual, business address, and telephone number of the person or business contacted during their re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXXXXXX Account number : XXXX, XXXX XXXX XXXX XXXX XXXX  Account number : XXXX, FXXXX XXXX Account number : XXXX xxxxxxxxxx, XXXX XXXX XXXX  Account XXXX : XXXX, XXXX/XXXX Account number : XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX has violated my rights. 

1

5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A XXXXon XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: NAVY FEDERAL CREDIT UNION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have a navy federal secured rewards card. I do love this business however i am having difficulty getting my account resolved the proper way. I fell on hard times and my credit card payments defaulted. I did make a payment towards my balance and i also called to have the {$500.00} that i payed for the card applied to my balance however they won't apply it for some reason which is not a problem if they give the money back instead of holding it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KS
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:
My credit card has offered promotional rates on balance transfers in the past, which I have taken advantage of. According to my XXXX 2017 statement under " interest charge calculation, '' I had a {$6000.00} balance at a promotional rate of 0.00 % through X/XX/17 and a {$4000.00} balance at a promotional rate of 1.90 % through XXXX/XXXX/XXXX. My purchases balance ( at 12.65 % ) was {$4.00}. In XX/XX/XXXX, I took advantage of a balance transfer offer on a different card and transferred {$2400.00} of this card 's balance out ( effective XX/XX/17 ). I also made payments of {$98.00} and {$930.00} on XX/XX/17 and XX/XX/17, respectively. As I understand it, credit card companies are supposed to apply payment to the balance with the highest rate first now. When I received my XX/XX/XXXX statement, the promotional rate of 0.00 % applicable to the {$6000.00} balance had been changed, without my request, to XX/XX/17. Almost all of my payments/transfers out had been applied to the {$4000.00} balance ( at the 1.90 % promotional rate through the end of the year. ) I do n't think it 's right for them to manipulate my promotional rates, even by extension, in an attempt to force me into paying more interest. As it now stands, I will be paying 12.65 % on the entire {$6000.00} balance starting in XX/XX/XXXX. This amount should be closer to {$2600.00}. I believe what USAA has done here is fraudulent, and they could be doing this to a lot of people.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief