BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-03
Company: CITIBANK, N.A.
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:
On XXXX XXXX, XXXX I went on XXXX to book a hotel on XXXX XXXX. Like on most of the websites you search for the place you want to stay and dates. After I got the confirmation Email I noticed that the hotel they booked me was in a completely different XXXX Island that I didnt search for. I called XXXX to get this resolved and they answer was simply that they cant refund anything. Causing me for that reason to book my XXXX trip with XXXX for pretty much the same amount using the same credit card so i can prove lateer on to citibank what XXXX did. So I went ahead and file a complain with Citi bank on the credit card they charge me to get this fraudulent transaction reported. After a month I received a letter from Citi saying that they reverse the transactions because XXXX simple response and said that my transaction was not refundable. This is stealing consumers money, plain and simple. I feel betrayed by Citibank which i been with them for many years. 
Date XXXX/XXXX/XXXX Ammount {$1400.00}

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 2017-10-03
Company: Capital Accounts, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Never had a signed agreement with XXXX XXXX to charge interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company XXXX XXXX is reporting on my credit report with a debt owed. 

I never had a contract or business with this company. I tried to dispute and the credit agencies are saying that the account was verified by the creditor but provided no documentation or proof. 

My next step is to start ligitation against XXXX, transunion and 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 2022-04-07
Company: Experian Information Solutions 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:
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company 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 2022-04-07
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
Incorrect personal information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX my credit score went down XXXX points as XXXX XXXX XXXX XXXX reported there was 30 day late payment which was an error. The car was a loss and was paid in full along with the monthly payments which were paid on time. I tried filing a dispute online with Equifax and was provided a number to call. When I called they asked for a credit report ID # which I don't have. Please ask Equifax to research why my credit score went down XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: Equitable Acceptance Corp
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was contacted about student loan consolidation. I agreed to consolidate my student loans as this would save me money on a monthly basis. I was entered into an agreement with a company called Equitable Acceptance who has been charging me $ XXXX/month for the past 18 months. To date, I have paid this company {$880.00} and still have an outstanding balance of {$910.00} which means I will end up paying this company {$1800.00} for document preparation services to consolidate my student loans. I was unaware that I would be charged this massive fee, had I known, I would not have engaged in any agreement that would cost over {$1800.00}. After researching this company further, they are in active litigation for unfair collection practices and fraudulently charging customers. They currently are unaccredited with the XXXX and have an F rating. I will be de-authorizing the automatic payments through my bank effective immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: SYNCHRONY FINANCIAL
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 is missing that should be on the report

Complaint:
My social security number was compromised in 2017 ; I have successfully called all accounts that did inquiries or opened accounts in my name during the time period in question, and Walmart is the only one who refuses to remove the inquiry from my credit report. Their reasoning is that I can not verify the information used to apply for the walmart credit card that someone else applied for using my social security number ; it's a bit difficult to do that when I have no idea who was using my social security number or what address they used to apply for the account. I would like for this inquiry to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-09
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 data breach showing inaccurate information not know to me best of my knowledge ftc, hippa and fcra 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 explanation
Consumer complaint received 2019-07-09
Company: EQUIFAX, INC.
State: TN
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'm in the market for a new car and I was told to check my credit report before I went to the dealership. I checked my credit report and I noticed a few items that I didn't authorize. I've reached out to the FTC and to my local police department and I am doing this on my own behalf. Again these items are not mine and I need these items deleted from my credit report. XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-09
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX came out to the house to get new service but unsuccessful because there is/ was no land line to my house. All equipment that technician left and was never connected returned to the store. I have receipt. No connection available to my neighborhood. They charged me for services never rendered, never had internet or cable with them. I went to their store to dispute charges. They gave me credit. I have receipts. Communication between store and billing was never accomplished. Bill went to collections agency!!! Not fair it ruined my credit. I attempted several times at XXXX store. This is fraud!!!

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 2022-08-13
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10
Company: Credit Corp Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was debt was settled and the company reported the same debt account to my credit house 4 times in an attempt to hurt my credit file on purpose. This is malicious and should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX Chase bank restricted all my accounts. The branch manager saw I had a SBA and PPP loan in my personal account. I have used my personal account for my business for the last 15 years. I am not required to have a business account. She said " I am not a business, and that I am not allowed to have these loans ''. She said I need to send her proof that I am a business. I sent her my schedule C 'Business Profit and Loss ' 1040 the following morning ( see attached ). She then requested my 1099. I sent it to her within 10 minutes of her request ( see attached ). She then said the only other form needed was the 2nd page of my 1040 ( see attached ) and that my account would be cleared. It was not. The branch manager is angered and refused to send the last document to the fraud department because I was not very nice to her for accusing me of fraud. I contacted the Chase fraud department and they told me I could go to another branch to send it in. Tuesday, XXXX I went to the XXXX XXXX branch in XXXX XXXX and had them submit the requested 2nd page. I called, and the fraud department said they did not receive it. So, Wednesday I went to a different Chase Branch and had the Branch Manager/Vice President XXXX XXXX ( see attached business card ) send it again. I called the fraud department 24 hours later, and they said they did not receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Dyck-O'Neal, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In accordance with the Fair Credit Reporting act has DYCK ONEAL They also violated my rights under these laws : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: NAVY FEDERAL CREDIT UNION
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: Information belongs to someone else

Complaint:
On XXXX of XXXX  after reviewing my credit report I discovered that I had been a victim of Identity thief, I then filed a police report with XXXX XXXX police department, and I filed a identity thief report with the federal trade commission. I then sent the police report, and the identity thief report to the three major credit reports XXXX, XXXX, and XXXX, about 30 days later the accounts were deleted. About 30 days after that XXXX reinserted two of the account 's account no # XXXX and account no. XXXX and XXXX reinserted one account account no. XXXX. I then contacted XXXX and XXXX and informed me that I would have to contact the creditor NAVY FEDERAL CREDIT UNION to furnish me the documents that they used to verify and certify these accounts. I then contacted Navy federal credit union by U.S. postal certified registered mail. Navy Federal never responded with the documents I requested. They did respond with a document requesting a account number, and additional information. I am enclosing the documents and correspondence I sent to Navy federal about this matter.

In according with the fair credit reporting act Navy federal has violated my rights. 15 U.S.C. 1681 SECTION 602 A STATES I have the right to privacy. also 15 U.S.C. 1681 section 604 a. section 2 states a consumer reporting agency can not furnish a account without my written instruction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
I normally make payments on time but missed one payment on XX/XX/2020 due to the COVID-19 situation. I called Capital One and asked that the Late Fee of {$25.00} be removed from my account due to the circumstances and that normally I make payments on time. I was told that the Late Fee will be taken off my balance but I would have to pay an extra {$20.00} due to an increased balance. None of the reps. could explain exactly how they calculated this extra {$20.00} other than to say that my balance increased resulting in this extra amount needing to be paid. In addition, the reps. told me if this extra {$20.00} is not paid by the due date, I will incur another late fee, despite the fact that I just enrolled in a Special Assistance Program to waive Late Fees. Conveniently for Capital One, this Program doesn't take effect for 1-2 billing cycles. These are nefarious business practices. Capital One has found a way to recoup their Late Fee by tacking on an extra {$20.00} fee but claiming that they remove the Late Fee from your balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07
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 police report. AFter I lost my wallet i decided to make sure nothing had been opened in my name. I checked my credit report and saw numerous accounts

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 2022-04-07
Company: Experian Information Solutions 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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

3. Validate AccounXXXX XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus Experian XXXX and XXXX BALANCE XXXX XXXX XXXXI Account Number : XXXX As a consumer by law this account must be deleted immediately 6. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

7. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

8. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

9. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a " bill '' dated XX/XX/XXXX from this company stating that I have an unpaid debt with them in the amount of {$1000.00}. I have never had any dealing with this company. On XX/XX/XXXX they signed for a certified letter that I sent them requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. 

I requested that I am asking for validation ; that is competent evidence bearing my HANDWRITTEN signature ( not a computer generated signature ), showing that I have ( or ever had ) some contractual obligation to pay them. I also advised, that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, or have never owed, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. I did not receive any validation or correspondence from them. 

However, what I did receive was a notification from my credit monitoring service that they placed not one or two derogatory marks on all 3 of my credit reports but four ( 4 ). One on XX/XX/2017 ( before their initial " bill '' and the second on XX/XX/2017 ( 2 days after receiving my letter requesting validation ), XX/XX/2017 ( just after I filed a complaint with the BBB ) and the last one noted on XX/XX/2017. Making 4 negative entries on my credit reports has caused my credit score to drastically decrease between 20 - 45 points ( depending on the credit bureau ). These marks are clearly retaliation for me challenging them.

XXXX XXXX  never responded to me directly from the certified letter I sent them. They only responded to me through my complaint with the BBB, Their " verification '' is an itemized bill. According to XXXX ( attached ) this is NOT " verification ''. 

Removing ALL items that they placed on all 3 of my credit reports immediately and permanently. If this is not done within 30 days, I will be filing a suit in court and seeking a minimum of {$1000.00} in damages per violation for : a ) Defamation, b ) Negligent Enablement of Identity Fraud, 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and 4 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).

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 2020-04-24
Company: Fay Servicing, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When I received my XXXX statement it stated that I was one month behind in my mortgage. The problem with this is that I have my mortgage payment taken out of my bank account every XXXX of the month. I called Fay Servicing and customer service told me I was current. I receive another statement stating the same thing and I sent it to my service provider Mr. XXXX XXXX. I sent an email on XX/XX/2020 and I never received a response. Today I received a statement saying I owe {$5600.00}, but on the back of the statement it shows that I paid XXXX in the amount of {$2800.00}. This statement is dated XX/XX/2020. 

I tried to call Fay Servicing 6 times and was disconnected each time after holding for over 15 minutes each time. 
Although Fay Servicing says I'm current I keep receiving notices saying I am behind. Since Fay Servicing has refused to speak with me and rectify this matter I have no choice but to reach out to CFPB and pray that you can assist in resolving this issue.

Company response to consumer: Closed with explanation