BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-26
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 information incorrect

Complaint:
I requested to have this secured credit card account closed back in XXXX of 2015. According to XXXX XXXX rep this account would be close and their would n't be a balance left on the account because it was a secured card and you can not charge no more than what you have available on the card. My credit card limit was {$300.00} and I could n't charge no more than {$300.00} on this card. After closing the card and them crediting my account {$300.00} it left me with a {$0.00} balance and all of sudden a month later they let a charge go through for {$200.00} and something dollars, and the charge was not related to me at all and I told them it was not my charge it was fraudulently and they reinsured me it would be fixed and I left it alone trusting them to take care of the charge that was not mine. Months and months goes by never heard back from them so I 'm assuming everything was okay only to find that this company reported to the credit bureaus I owed them {$290.00} which is not fair and very untrue.

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 2021-11-09
Company: INTERFIRST MORTGAGE COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I requested a Payoff statement on XX/XX/2021. Instructions directed me to send a cashiers check to a particular entity ; Chicago Mortgage dba Interfist. I sent the check but Interfist endorsed it incorrectly, due to their servicing company : XXXX XXXX. Since the endorsement didn't match the " Pay to '' the bank flagged the check and put a HOLD on it. Now, Interfirst refuses to give me the check back or correct the endorsement and insists that my account is overdue and I should WIRE THEM THE MONEY AGAIN. They have {$290000.00} of my money and it has not been credited back to my bank ( XXXX XXXX  XXXX ) Interfrist Acct # 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 2022-04-01
Company: Kinum, Inc., Indianapolis, IN Branch
State: NJ
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 reviewed my credit report, and I found that KINUM has reported a collection. I've never did any business with them. Where did they get this information from??

KINUM please verify that I've done business with you with viable information, i.e DOB, SSN.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final good will attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office. Should you continue non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local laws. I further remind you that you may be liable for your willful non- compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: EQUIFAX, INC.
State: MA
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 was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. 
This has caused me financial injury. 
This has caused me defamation of character. 
I can't get a job. 
I can't get a loan during this pandemic. 
You have hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-12-20
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
XXXX IS FRAUDULENTLY REPORTING THAT MY ACCOUNT IS OPEN AND LATE. THIS ACCOUNT IS CLOSED AND WAS SETTLED OVER 4 YEARS AGO. HOW CAN I BE LATE MAKING A PAYMENT WHEN THE ACCOUNT IS CLOSED AND WHERE IS IT LEGAL TO REPORT TO XXXX  EQUIFAX AND XXXX  WHEN THE ACCOUNT IS CLOSED. THERE NOWAY I COULD BE LATE. XXXX  REPORTED XX/XX/2020 THAT IAM LATE ON A CLOSED ACCOUNT. THIS IS ILLEGAL

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
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:
I had a medical bill that I received back in XX/XX/XXXX for XXXX XXXX in the amount of {$200.00}. This bill was paid XX/XX/XXXX. I received confirmation of my payment, and heard nothing else about this account. Then in XX/XX/XXXX, this account showed up as a delinquent account on my credit report across all agencies. The collections group, XXXX XXXX XXXX, said that they would take care of the mistake, but they did not. 

I contacted XXXX, who took it down within two days and were very helpful. It took 3 tries to get XXXX to remove it. Equifax still refuses to remove it even after showing them proof multiple times that this account is not delinquent, and even after every other agency has removed it. I had a dispute on XX/XX/XXXX that they said they would not remove it, and another that was completed XX/XX/XXXX. I can't buy a house, I can't do anything with a new credit card, nothing that I wanted to because Equifax has ruined my credit score by keeping this incorrect information on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In response toy your complaint number XXXX. The validation of the debt you submitted does nto validate a debt. You sent me statements that shows an address I never lived at. the address on those statements is XXXX XXXX XXXX, XXXX NY XXXX. Clearly this account was a fraud opened without my authorization. And you keep sending statements and you refuse to send me the signed credit application that shows the signature and the address used to apply for that debt in my name. 

I need the credit applaiction to take this case to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am in the process of buying a house and over the past year, I have been working on my credit. The main issue I have is I disputed the spelling of my name which I have never used and it was never fixed. I constantly get credit offers and preapprovals under that wrong name. I reach out to Equifax in hopes they could fix the issue and not only no response but they never fixed it. I know most credit reporting agencies have a list of other names but this misspelled name is the main name on the credit account. My name is XXXX XXXX and they have my main name as XXXX XXXX. I can see my dispute on my credit report but no response, action or confirmation of any kind has been sent to me. I simply want my credit file to have my real name. Not some made up or typo name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: EQUIFAX, INC.
State: GA
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:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
XXXX XXXX XXXX  is fraudulently reporting to the three credit bureaus Transunion, XXXX  and XXXX the XXXX XXXX XXXX  account is open and late.. This account has been a closed/settled account for months. Why is XXXX XXXX XXXX  reporting its open and late dated XX/XX/2020. This account has be closed and settled how can I be late on a paid/settled account. This is fraudulent and permanently damages my credit profile. It can not be late because its closed and settled. THE XXXX  XXXX MUST BE DELETED AND All Fraudulent must be REMOVED AND CORRECTED AND DOCUMENTED THAT This was an error on the 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 2020-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Due to some past credit issues due to medical problems I have a credit card that has a higher interest rate with Capital One. The rate has and continues to be 22.99 %. This is despite the dramatic decrease in the prime rate I am being charged 22.99 %. In XX/XX/XXXX and XX/XX/2020 I had two late payments due to my income being impacted by COVID-19. I have a medical condition that places me in a vulnerable group. Ironically issues and medical bills is what placed me in a disadvantaged situation when trying to secure a credit card with a FAIR interest rate. At this time I was also assessed a {$39.00} membership fee. This is in addition to two late fees of {$38.00} each plus the {$39.00} fee plus 22.99 % interest. I called Capital One as according to their website " we are here to help. If you are impacted by COVID-19 let a customer service representative know '' Well I called. I spoke to XXXX who told me I do not qualify for any assistance. I asked to speak to a supervisor XXXX who also told me that there was nothing that could be done however he would see if I qualified for a skip a payment program. Sure. So Capitol One does NOT lose all the fees and now I get to pay 22.99 % interest on top of the fees that Capital One will still pocket. COVID-19 is devastating to this country yet Capital One is still and is making certain the continue to profit on the most vulnerable population with credit issues. This is shameful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-09
Company: SYNCHRONY FINANCIAL
State: TN
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: Card was charged for something you did not purchase with the card

Complaint:
I MADE A PAYMENT TO THE CC COMPANY AND THEY CREDITED TO MY ACCOUNT AS A PAYMENT LIKE NORMAL FOR THE AMOUNT OF {$4200.00} ON XX/XX/2021. THE PAYMENT DID NOT CLEAR MY BANK SO THEY CHARGED MY ACCOUNT BACK FOR THE PAYMENT ON XX/XX/2021 NOT ONCE BUT TWICE FOR THE {$4200.00}. THE FIRST CHARGE BACK I AM NOT DISPUTING- THE PAYMENT DID NOT CLEAR MY BANK BUT THEY CHARGED IT BACK TO MY CREDIT CARD AS A CHARGE ON XX/XX/2021 TWICE FOR {$4200.00}. I BEGAN CONTACTING THE COMPANY IN XXXX. AND HAVE CONTINUED TO CONTACT THEM SINCE WITH NO RESOLUTION. THEY DID SEND A REFUND CHECK FOR SOME REASON BUT THEN CHARGED MY ACCOUNT FOR THE AMOUNT OF THE REFUND CHECK WHICH RESOLVED NOTHING ..... 

I LABELED THE ORIGANAL PAYMENT AS 1 THE CORRECTED CHARGE AS 2 AND THE INCORRECT OVERCHARGE AS 3 ON THE ATTACHED STATEMENT.

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 2022-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Bank of America continues to ignore their feduciary responsibility regarding a charge back issue and a fraud claim that was made months ago. Without my benefits being available to me I've XXXX my place to XXXX And continue to struggle waiting for the Ridiculous game of Passion the buck between Bank of America and the XXXX to discontinue. The CFP should recognize the violation of banking rights and sanction Bank of America for violations They are currently being sued for in class actions throughout the US. By displaying the XXXX XXXX Bank of America and itself guarantees the 24 hour release of funds regarding fraud account added accounts and availability those funds to continue the necessary lifestyle the benefits offer Both my credit and personal belongings to been affected and it's my opinion that Bank of America should be sued once again for compensatory damages.

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 2017-10-26
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I opened an American Express account in XXXX, when I was XXXX XXXX XXXX. I overcharged that account and was unable to pay the amount in full at the end of the month. I explained to the bank that my parent had had XXXX XXXX XXXX and I needed time to pay off the debt. Those requests were ignored and the amount was sent into collection and the account was closed without any discussion. I also was not notified at that time that I could dispute the debt. I immediately paid off the debt using all resources available to me and the delinquency is still reported on my credit report, 5 years later, even though it was charged off, even though I was never contacted about being able to dispute the debt and even despite my many requests for assistance. 

American Express treated me unfairly and trapped me when I was XXXX into a situation that I could not get out of without help from external sources. It is still affecting my credit score and life opportunities 5 years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My business checking and money market were closed by BB & T bank, now Truist, and the local branch and customer service are not able to tell me if my account balance will be paid out to me. It is just over {$53000.00} and the account was closed on XX/XX/XXXX. I still have not been told WHY my account was closed. They are not legally required to explain that to me. It is illegal for them to hold my funds. In addition, my online access has been revoked and I can not access account statements for the last several months.

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 2019-04-14
Company: Resurgent Capital Services L.P.
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:
I am contacting you because XXXX is reporting things on my credit report that do not belong to me and I have already submitted a police report and added a fraud alert on my credit report my score dropped 45 points for an account that doesnt belong to me and that was fraudulently opened. I want this fraudulent account removed at once because it does not belong to me and I had no knowledge of it being opened and it is fraud and I want it removed from my credit report at once because its fraud and does not belong to me. This is the account I want removed it is fraud and does not belong to me. Resurgent Cap Srvcs Lp Opened XX/XX/2018 + {$390.00} Original creditor : 01 XXXX XXXX XXXX XXXX XXXX Also I keep asking them to update balances on all my accounts which they refuse to do XXXX XXXX and XXXX are purposely reporting inaccurate balances on my accounts in order to keep dropping my score these three companies have been doing this to me for sometime I have contacted XXXX XXXX news and they are following my contact with you into this matter as I am XXXX XXXX and a single mother and its time these fraudulent companies be made to treat people fairly here is a list of all the account balances that need to be updated

Company response to consumer: Closed with explanation