BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-07
Company: Innovis
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:
They refuse to fix their XXXX system its bevause of these people I cant get verified when applying for a store credit card when I call them they cant even send me a passcode to my cellphone and its my number which their system cant verify when I called them they said to me we will Work. With it and see if this can be resolved horrible company they must be shut down

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
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: Their investigation did not fix an error on your report

Complaint:
I have submitted several disputes requesting Verification of Debt with the credit bureau on a 3rd party collections agency reporting inaccurate information on my credit report. The credit bureaus did not do a full investigation and send proof that the debt belongs to me like I asked. Now they have sent me letter stating they will not re-investigate debt anymore. I have contacted the collection company and all they send me is a invoice. I still have no proof of the contract with my signature or bank transactions showing I did not pay. I want proof and the credit bureau simply just state account has been verified. The XXXX  system is not a true form of investigating a validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2019 I sent {$300.00} to a user on venmo and his username was XXXX. We had agreed he would drop off my item at the post office that day and he would give me the tracking number. He did not do so and by now transferred my money to his account and deleted his venmo account. He scammed me. And I contacted venmo support and they said they can't do anything without his authorization and I should try and reach him but he deleted his account. I really want my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-07
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I leased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX with account number XXXX with VIN # : XXXX with a maturity date of XX/XX/XXXX. At maturity, I took the vehicle to XXXX XXXX XXXX for final Inspection on XX/XX/XXXX at which time I was given the attached Final Inspection Report stating I owe {$960.00} as my Grand Total. Vehicle was inspected, dropped off and I left. When I called BMW USA to make the payment a week later, they claimed that the amount I owe is {$3900.00} for reasons I'm yet to understand despite calling repeatedly for several months. BMW USA then preceded to send this fraudulent claim to collection and have since damaged my credit severely. Attached are the Final Inspection Report and collection letter from XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2019, I placed an order of 2 bottles of vitamins supplements ( 30 day supply. This was a trial. Three days later, On XX/XX/2019, the companies XXXX and XXXX charged my account in the amounts of XXXX and {$85.00} each. I tried disputing it with Chase and the companies directly but they claimed I had to cancelled within 15 days. I did not but they charged me full price for the vitamins 3 days after I ordered them. They did not give me the opportunity to cancel rather they took the money off my bank account. I demand a full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: Experian Information Solutions Inc.
State: SC
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:
I am filing this complaint against this company because they have been violating me as a consumer and original creditor. I have been sending this company mail with a cease and desist letter which means that they shall not communicate with me about a debt directly or indirectly and they are still reporting my information to reporting agencies. I have sent them the violations of them and they have never responded to me or have they given me my specified remedy but they always respond to the reporting agencies when I ask the reporting agencies for an investigation. I am filing this report and I am also going to the Federal Trade Commission to file a complaint as well. I am very frustrated the way they have purposely ignored my demands and are affecting my ability to obtain household goods. This is a new complaint and they may try to mark it as a duplicate and it is not. 

THIS iS NOT A DUPLICATE!!!!

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 2021-08-04
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: Was not notified of investigation status or results

Complaint:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Checked my credit report to find a charged off account. Disputed it, but XXXX XXXX Capital One will not help. Capital One apparently sent it to a collection agency & XXXX XXXX  has been rude & nasty to me. No one will help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: I.C. System, 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 had a bill from XXXX XXXX XXXX from XX/XX/XXXX, for {$100.00}, I did not pay it and on XXXX, XXXX, XXXX Derogatory account Reported by XXXX XXXX thrue XXXX. 
Later this year I received multiple phone calls from random numbers about my debt {$100.00} to XXXX XXXX XXXX. That people knew my name and my old address, they even didn't have a legal way to know my current address. But, anyway, I explain them I already have a derogatory account and minus credit scores on my history. 
On XXXX, XXXX, XXXX I received a Credit Alert about Derogatory Account, reported by I C System Inc thrue XXXX Account balance {$100.00}. 
On XXXX, XXXX, XXXX I received a Credit Alert about Derogatory Account, reported by I C System Inc thrue XXXX. Account balance {$100.00}. 
On XXXX, XXXX, XXXX I received a Credit Alert about Derogatory Account, reported by I C System Inc thrue XXXX. Account balance {$100.00}. 
On XXXX, XXXX, XXXX I received a Credit Alert about Derogatory Account, reported by I C System Inc thrue XXXX. Account balance {$100.00}. 
So I have now FOUR Derogatory accounts not related to my history, because I already had one on XXXX, XXXX. 
Can you please stop that people from reporting Derogatory accounts on me every Wednesday? I am not sure now, if they are going to stop or keep doing this. Can you please remove all Derogatory accounts with a balance of {$100.00}, came after original, dated XXXX, XXXX, XXXX? Please, stop them, I feel unprotected, I am not guilty in what they trying to apply on me. Please, please, please!

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 2017-07-13
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: Investigation took more than 30 days

Complaint:
On XXXX XXXXXXXX XXXX XXXX XXXX XXXX. working on behalf of XXXX XXXX XXXX, signed for a certified letter of official dispute of their information of a collection account in the amount of {$19000.00} on my and my husband 's credit reports. The letter informed them that I was requesting validation of this debt pursuant to FDCPA and FCRA and corresponding local state laws. Competent evidence bearing my signature and showing contractual obligation to pay was requested as well. I also informed them that I was aware of the law and that they had 30 days to validate the debt, or the law required that they request that all reporting agencies delete the entry. After not hearing from them after 30 days and noticing that no notification of dispute was indicated on my credit report I sent a follow-up certified letter which they signed for on XXXX XXXX, 2017. This letter notified them that they were in violation of ( but not limited to ) FDCPA Section 807-8 and FCRA Section 623-b, and therefore I was demanding that the item be removed from my credit report, as required by law. I finally received information from them on XXXX XXXX, 2017, a full 55 days beyond what is allowed by law. In the letter, they informed me that I had 30 days from date of notification by them that the account had been placed with them to dispute the debt. However, I have never received such notice, they have failed to provide proof of such, and I was only aware of the issue when checking my credit report. On that same note, FDCPA states : " 809. Validation of debts ( c ) the failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer '' which does not excuse their legal responsibility to abide by the law in their reporting and validation when informed of formal dispute and request for validation evidence. I am also reporting them to the BBB today, as well as the Texas Attorney General before filing a small claims action.

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 2018-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I contacted Transunion in XXXX regarding the inquiries showing on my credit report for accounts that I have never seen before and I advised the telephone agent I was a victim their inquiry issue and false information has starting to show up. The phone agent advised that I wasnt effected and the dispute is not valid due to the amount of time the inquiries have been posted to the report. The agent declined the opportunity to assist me.

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 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2020-04-26
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:
Received letter stating I owe {$190.00} to XXXX XXXX and I have never missed a payment in the last 25 years I have been doing business with them and continued to be a current customer. This is some type of scam company and needs to be shut down!!!!!! Letter was opened on XX/XX/20 and letter dated for XX/XX/20.

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 2017-07-13
Company: Franklin Collection Service, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM NOT LIABLE FOR THIS DEBT IT KEEPS BEING ADDED TO MY CREDIT REPORT AS A NEW DEBT IT IS ILLEGAL TO RE-AGE A DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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 5 year+ relationship with bank of America XXXX always paid my credit card on time, never ever missed a single payment either. Earlier this year, bank of America advertised the option for customers to be able to choose which shopping category they want to earn 3 % cash back on, after sending me numerous emails to choose my category, I finally choose the category that I use most often, and continued using my credit card. 

I feel that Bank of America was VERY deceptive in their advertising practices by allowing me to earn 3 % back in a category I choose, and then closed my account without any notice, thus giving me NO opportunity to even redeem any of my earned points. 

I have used this card every month for the past 5 years and was surprised that BOA did not notify me about closing the card. 

I had no idea my card was closed until after it was declined at 3 different grocery stores, these are stores I go to all the time!! Its literally less than 1 mile from my house and my card was declined. I called customer service and was told my card was closed after a review for no apparent reason. This is absolutely wrong and embarrassing for a bank like BOA to be this unprofessional. 

I have reached out to two bank of America supervisors/managers but all the said were bank jargon just to further confuse customers. BOA mailed me a generic letter stating the card was closed for : sufficient balances on revolving credit line, this term is ambiguous and therefore not specific especially being that my card had no balance at all.

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 2023-02-13
Company: EQUIFAX, INC.
State: NC
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 have a business inquiry from XXXX XXXX ( XX/XX/2023 ) listed on my personal credit. That is not supposed to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
XXXX and Transunion are making it exceptionally difficult to freeze my credit and charge money for it even though their lack of security and them gathering my information is why I want my credit frozen in the first place.

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 2017-07-12
Company: HW Holding, Inc
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have contacted Hunter Warfield on several occassions and requested that they validate this debt. I also do not have a contract with them. They refuse to do so. Hunter Warfield continues to report false information to the credit bureaus XXXX, XXXX, and XXXX illegally.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: U.S. BANCORP
State: MN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
In XX/XX/2021 I attempted to use my US Bank XXXX that was given to me via XXXX XXXX XXXX XXXX. My card was declined and upon calling customer support, I was informed my account was " restricted '' due to " suspicious activity ''. I asked what activity was suspicious and they could not provide me with any details. In order to unlock my card I needed to submit my ID front and back along with a selfie using the self-service portal verify.usbank.com. I have submitted the requested documents numerous times and they claim to never received them. Another time I submitted the documents they claimed they could not read the documents. Not being successful I asked another way to verify and I've received conflicting statements as to whether I can send a fax to verify my identity. One representative says there is a note on my account that specifically says my account can not verify via fax but yet they say they have received past documents but that they were unreadable. I went as far as to getting a whole new ID, had the librarian help me scan the document enlarge by 200X and lighten 2 shades and fax to the number 3 separate representatives provided upon my request. This last time I faxed the document they again said they could not read the document again. This has been an ongoing headache and nightmare as the account in question is where my child support payments are loaded to. It has been XXXX months and I have XXXX month worth of payments I have no access to and have been having problems making ends meet. The quality of my ID is brand new. It's not going to get any better than following very close to the instructions they give I have completed what they ask but they continue to insist they can not verify my identity. I requested to speak to the senior representative and he says he has the authority to handle my case, and I asked what on my ID he could not read. He did not know but said the document verification department is the one who says it's verified or not. I asked him to look at it to see what can't he read but he said he doesn't have access to that.

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 2017-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 a collection on my credit report being reported from portfolio recovery in which XXXX and XXXX has already deleted but transunion let 's it remains despite the fact that its a unverified account I have sent XXXX different letters to tranunion dispute department about this but its still remain

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