BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-24
Company: Central Portfolio Control Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I was contacted my Central Portfolio Control over a debt from XX/XX/XXXX that was included in my bankruptcy from XX/XX/XXXX. The first time the company called me they were very rude and tried to intimidate me. Upon telling them that I filed bankruptcy they hung up on me and stopped calling but still put the debt on my credit report and even lied about the date. They stated it was opened XX/XX/XXXX which is a lie because the original charge with XXXX XXXX was from XX/XX/XXXX for my last XXXX XXXX. I spoke with XXXX at CPC on XX/XX/XXXX who in turn spoke with my lawyer 's secretary and the called me back to state the debt would be removed. I disputed the debt online on XXXX  per my lawyer 's instruction before XXXX ever called me back that day to say it would indeed be removed. The dispute came back as the debt will remain on.my credit report. The dates reported are false, XXXX at CPC XXXX stated the debt would be removed but lied to me. I would have not of filed bankruptcy at such a young age if it weren't for several medical bills for a XXXX  illness but I had to and it was XXXX and Central Portfolio Control is still trying to punish me. I should not be punished for a chronic illness/disease that has caused me to have several surgeries and XXXX XXXX  surgeries so far especially if I have filed bankruptcy to have it all removed and am trying to do better. I don't owe XXXX XXXX a dime anymore and have never conducted business with Central Portfolio Control, therefore I don't owe them for sure. I also have never received a bill for this charge from CPC, just one phone call where I told them I had filed bankruptcy and apparently that XXXX them off. I also never received a bill from XXXX XXXX for that charge since I filed bankruptcy so there was no way of me knowing this bill was even out there needing to be resolved. CPC eventually quit calling me and placed the charge on my credit report negatively. My lawyer is XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: SYNCHRONY FINANCIAL
State: NY
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:
after filing a complaint with the cfpb i tried contacting Synchrony bank and left lots of messages and i did n't get any call back from XXXX XXXX at XXXX ext XXXX i sent them a dispute letter and disputed over the phone but i never got a response from them the results of the dispute i requested from them all documentation what they have to prove there claim but till today 's date i did n't receive anything from them, i believe they are in violation of the FCRA they need to respond within 30 days of the dispute and they did n't, i sent out a dispute letter to paypal on XXXX-XXXX-2017 an a dispute letter to Synchrony bank on XXXX-XXXX-2017 and to XXXX i was requesting validation and i wanted to know how the came up to this amount but i was ignored and nothing was investigated, now here i 'm still in the same situation. i had sent an email to the bank on XXXX-XXXX-2017 to XXXX XXXX President & CEO Of Synchrony Financial and to XXXX XXXX XXXX Executive Vice President & Chief Information Officer at Synchrony Financial an the y never got back to me they ignored my dispute and my concerns,

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 2021-01-20
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: Their investigation did not fix an error on your report

Complaint:
****SEE ATTACHMENTS THAT SHOWS THAT IT WAS GOING TO BE DELETED REMOVED FROM MY CREDIT REPORT**** Dear Equifax / Executive Office ; I was really shocked last week when I refreshed my credit report and noticed that the collection account from XXXX XXXX is still on my Credit Report which is hindering my score so much and stopping me to achieve my financial goals You are the ONLY one thats reporting this negative account on my credit, despite the fact that the results of investigation through Cfpb stated that they will cease and remove this account. Well, the other credit reporting agency complied and deleted from my credit immediately, however you havent removed it. I talked to a representative at your office last week, and they mentioned that I can FAX over the letter and results from Cfpb and they will remove it. 

Plus, how can you report incomplete, misleading information on my credit report. Its impossible that a collection account can be late and past due. Look at the picture below late 120 days, past due for {$800.00}, etc. This is a violation of my consumer rights under the provisions of FCRA, and Im demanding an immediate deletion from my credit report. DELETE!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Problem with personal statement of dispute

Complaint:
On XXXX/XXXX/17 I sent a document to TransUnion requesting proof that they had verified accounts on my credit report prior to reporting the information. Since then they have not provided the data requested but states that these accounts have been verified without any proof of verification as requested. Please direct Transunion to promptly remove the unverified items from my credit report. I have attached copies of letters sent to them and their response which is proof my dispute was received.

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 2021-03-24
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was charged a late fees for paying my bill after XXXX XXXX on a due date! How is this legal and fair during a global pandemic!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
transunion is continuing to report a medical bill and violate my rights! Not only does this violate someones XXXX rights so many other violations!

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 2021-12-06
Company: BARCLAYS BANK DELAWARE
State: NY
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 provided prove and all documents Barclays JetBlue ask for to give me a full refund and still nothing its been 4 months they XXXX giving me the runs rounds

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 2022-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
This is a follow up to a previous submission with respect to Spirit Airlines. The CFPB falsely stated that they contacted me for more information. I never received any request from the CFPB for more information. I do not know what information could possibly be needed since no one contacted me about anything. I think CFPB is political ly charged and investigates claims when it wants to based what side of the political fence the issue falls upon. Obviously, this was not the right side this the false claim was made and no investigation occurred. For the record, spirit cancelled my flight and left me stranded in XXXX for 7 days. Spirit never offered or provided any travel voucher or other means of compensation for the matter. The original issue follows to which you alleged a request of information which you did not or at least I never received such request. 

The problem here is with Spirit Airlines which is required to comply with XXXX rules as far as transactions go and FAA rules with the handling and processing of significant delays and carrier cancellations. Spirit Airlines complies with neither. Take for example three confirmation codes as follows : XXXX, XXXX, XXXX. What spirit does which not only skirts the said rules/statutes, it, also, improperly and via irreparable harm places a hold on funds for several days ( in some cases up to 3 business days ) thereby preventing the use of funds, since this is a debit card, not a credit card, and then after holding up the funds Spirit releases the hold and cancels the confirmation code associated with the attempted booking. Now, what is particularly important is that there is a link between Spirit Airlines and illegal monitoring of my internet data, since I I literally watching Spirit Airlines change and modify flight details like price in particular as I am actually walking through the steps to finalizing the booking. And all of this occurs very quickly usually in under a minute. So what we have here is almost like some sort of criminal intent whereas Spirit Airlines is trying to control or override my free my free will by creating impossible, irregular, unreasonable delays, and extraordinarily costs the intent or which is to interfere with my travel itinerary. Then they have the audacity, after trying to scam me, to try and XXXX me more by asking for more money I.e. modification and upcharge fees for their FAA non-compliance. This non-sense with Spirit Airlines is surreal.

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 2021-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have recently had an adverse reporting with my account with XXXX XXXX reporting. They have reported incorrectly with Transunion and i have already disputed once and they have not corrected it. Currently my account reports as not only " open '' but listed as a " charge off '' which it can only be one or the other. it is in fact a " charge off '' but NOT open. I have disputed and they did not update to reflect it correctly. I have yet again filed another dispute to see if we can get this resolved. Also, i had over a year ago tried to remit a payment and was told i could not do so at the time due to the status it was in. My car was confiscated by legal authorities and was in a specific status in which they would not accept my payment at that time. At no point after that conversation back inXX/XX/2020did they ever send me a letter or ask me again to remit payment. I have not received a phone call regarding asking me for payment either. Last time i spoke with them i was advised i was on the " do not call '' status because when i called them a month ago to correct the status they had placed me on being that the account was not listed correctly on my credit report they then put me on as my notes. I should have been contacted regarding the status on my account and to ask for payment and not blindsided with the adverse reporting in which is incorrectly reported to transunion. I will be remitting my payment in full so i can correct this and i do not believe it should be reporting as an open account when in fact if it is a charge off then it should be reported as " closed '' and " charged off '' not both. I ask that they provide the documentation that evidences they sent me documentation on the remaining balance as i have not received that and should have been provided with that as well. The account number with them starts with XXXX and my balance reporting owed is {$6000.00}

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 2021-07-18
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I wrote each credit bureau to dispute negative items to date they are in violation due to them not responding within the 30 days time frame. I explain in my letter that I will pursuit legal matters

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: Fidelity National Information Services, Inc. (FNIS)
State: SC
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 have been a victim of identity theft and the fraudulent accounts reported below are a direct result of said theft. I've sent in documents to support my claim. Chex Systems has inaccurate info on my consumer report, a name that i've never been know by and a completed different SSN and address is listed that i've ask them to remove and they have refused to.

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 2021-12-09
Company: SUNRISE CREDIT SERVICES, INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX contacted sunrise credit to discharge this debt that was not owed I have a zero balance I have also supplied bills that show zero balance sunrise will not give me dates and what these charges are for

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 2021-11-11
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Toyota motor credit Corp decided to report my account is opened. The account is charged off and closed. I disputed twice with XXXX and it come back verified and updated on XX/XX/XXXXandXX/XX/XXXX, i called several times to Toyota financial, no one can help there is not much information in system, i send a letter on XX/XX/XXXX, no answer. 
The account reported is open and the same time is a charged off ( the car was voluntary surrender on XX/XX/XXXX) -The balance is incorrect ( credit report .show original charge off {$3400.00}, new past due {$3600.00}, how the balance increased since is closed ) -Closed date is missing ( no date in credit report ) - Last payment made is incorrect ( my last payment was on XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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 contacted my credit card company to report fraudulent activity on my XXXX credit card. Two transactions on XX/XX/2017 posted and should be reversed due to fraudulent activity. Yesterday Bank of America closed the case and has refused to reverse the unauthorized transactions : Transaction date : XXXX  Posting date : XX/XX/17 Merchant : XXXX | Location :  XXXX NJ | Amount : {$230.00} Merchant : XXXX | Location : XXXX NJ | Amount : {$12.00}

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 2017-09-19
Company: EQUIFAX, INC.
State: NJ
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 sent an investigation request to Equifax forty-five days ago, and they have yet to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
For the second time Wells Fargo today, XX/XX/19, placed a hold on a local check that I get from the same person, same account, same amount, each month, since I have been with WF, about 2 years.This same monthly check from the same bank account for exactly same amount has NEVER returned. I have had checking overdrafts unfortunately but have overdraft protection. Last hold was three months ago.WF held deposit -same checking account as today & same amount & same source- from local bank for TEN days. Main complaint : WF doesnt warn you of the hold until after you have endorsed the mobile check as being payable to WF only.THEN comes the warning about the 10 day hold., TOO LATE! CHECK ALREADY ENDORSED! I cant back out so no warning at all. Never have deposited a bad check. Check from local bank, less than {$800.00}, always clears, no issues from past depositing.

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 2019-09-21
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2019, my car door window was smashed and my purse with my, and my husbands credit cards were stolen. The person who stole the cards immediately went to a XXXX XXXX 12 minutes away and made multiple purchases. We have called Barclays multiple times asking them to remove the charges in the amounts of : {$410.00}, {$610.00}, and {$420.00} ( Total charges at XXXX XXXX within minutes = {$1400.00} ). 

Barclays refuses to remove these charges from our account, saying they are valid, even though we have surfaced a police report. Regardless, Barclays says we need to pay this and the interest on this amount.

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 2021-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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/2021, I purchased some shirts from an online store that shipped from XXXX and received the wrong items on XX/XX/2021. 

After several emails back and forth with the merchant ( between between XX/XX/XXXX and XX/XX/XXXX ), the XXXX insisted that I pay for shipping the wrong items back to XXXX. 

I filed a dispute twice with Capital One on XX/XX/XXXX and received a refund. When the refund was reversed on on XX/XX/XXXX. I filed another dispute on XX/XX/XXXX, this time, included pictures of these items ( comparing what I got with what I ordered XXXX, emails correspondence and a receipt as supporting evidence for my case. The refund was issued on XX/XX/XXXX and once again reversed on XX/XX/XXXX. 

Capital One is now asking me to go through the dispute process again for the third time. The agent I spoke with at Capital One could not tell me why a third dispute would produce a different result than the first two times and simply told me I would need to call back to speak with a supervisor. 

Basically, if will not pay return shipping after getting the wrong ( or bad quality ) items, Capital One can not help you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-09
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Theyre saying I deposited 2 different checks which I did not Ive been hacked and someone deposited them into my account through my mobile app then sent the money with XXXX to themselves then the checks was returned to whatever bank the checks was made from. Now theyre saying I owe them XXXX XXXX whenever Im not the one that did this.

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