BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-11
Company: Carter-Young, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of 2019 I signed a contract agreement with XXXX XXXX which is a property Management company. The terms and conditions of the contract had already been signed and agreed upon by office management at XXXX XXXX. In the original contract agreement we to a set amount of money to be paid for the year however another from XXXX XXXX tried to extort more money out of me than was originally agreed upon. When I refused to pay the false debt she used a collection agency to try to scam more money out of me. The amount that she tried to scam me for has been sent to a debt collection agency named XXXX and XXXX XXXX. I do not owe this debt because all moneys agreed upon in the original contract agreement has been paid. My credit has been adversely affected by this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The account was paid in full and not settled for less than the amount owed. I was advised that the account would be removed from my credit report once the payment was posted. The account is still reporting as a charge off.

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 2019-02-15
Company: EQUIFAX, INC.
State: IL
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 repeatedly disputed an account with XXXX XXXX  due to identity theft and fraud. I provided an FTC Identity theft report on XX/XX/XXXX and requested protection under the 4-day blocking rule. 

XXXX XXXX  has been exceptionally rude about this situation. They are very well aware they are operating outside of the laws. Further, this account lists 24 months of late payments yet the last payment was XX/XX/XXXX. 12 months is not 24. 

All XXXX XXXX  has attempted to twist my own words against me. They have continually failed to perform a competent investigation. I requested supporting documentation related to their alleged investigation and none has been provided. 

In addition, On XX/XX/XXXX XXXX XXXX received a debt validation letter. They were even notified after a week that no response had come. 

Now it is beyond the 30-day requirement for a response. XXXX has failed to respond to this formal legal demand. XXXX is still reporting this debt to Equifax knowing it is invalid, illegal, and disputed to the fullest extent. They have no issues breaking the laws. 

I spoke with a representative named XXXX XXXX today on XX/XX/XXXX. I  asked, " How do I get legal compliance? '' XXXX XXXX said, " You don't. '' I said, " May I quote you on that? '' She replied, " Yes. '' Am I the only one who finds that completely rude, illegal, and unprofessional? 

XXXX XXXX and XXXX XXXX need a serious reality check. They are not above the law as they believe. I am requesting this invalid information removed from my report immediately. 

Attached please find the FTC identity theft affidavit and debt validation letter. They are dated XX/XX/XXXX and XX/XX/XXXX. If XXXX wanted to continue to post invalid information they should have made an attempt at validating this debt as required by law. 

XXXX 's time is up. I have shown more than sufficient proof of why this debt needs to be deleted to be in compliance with the laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I mailed Capital One a letter and check, number XXXX. The letter was an agreement that upon cashing, the debt would be resolved as paid in full and deleted from the three credit bureaus. On XX/XX/XXXX the {$75.00} cleared my checking account but as an ach debit. On XX/XX/XXXX I received an alert that my Capital One balance had been reduced {$75.00} and not removed. 

Attached is a copy of the letter and check that was sent. The debit from my checking and the update of the balance being reduced.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello, On XX/XX/2020 when the COVID-19 pandemic started. I wanted to cancel my international flight since at this time, the USA was at stay at home orders and the borders have been closed. My flight was for XXXX. I tried to get in contact many times with the airline and no response. They would just hang up or lie and say I got the wrong number after I asked about cancellation. So I decided to file a dispute with my credit card, to file a dispute on this transaction. They gave me a temporary credit of {$140.00} USD, which is how much I paid for the flight. 
During this time, I still tried to get in contact with the airline and still no response. 
XXXX came and went. My flight passed. 
So now is XXXX, still tried to contact the airline and no response. On XX/XX/2020, I notice on my credit card billing, that Citi has closed the dispute and decided on the merchant 's favor. So they reversed the transaction of {$140.00}. 
I don't know why they decided in the airlines favor, especially when my flight was in XXXX. So I have no flight, no refund, no nothing. I try to contact the bank, I have been on hold for 2 hours and I get hung up on. I don't know wha else to do.

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 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX Acct # XXXX, has violated my rights. 

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 non-monetary relief
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: NV
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:
It has been been past 30 days and Experian has failed to verify the incorrect information of the account XXXX XXXX XXXX XXXX. By law after 30 days you must legally remove this account per FCRA. In addition to not receiving any type of letter or email from Experian theyre reporting inaccurate and unjust information. The reason Im asking for this account to be taken off my credit report also includes Them reporting a passed due balance of XXXX dollars that has been paid in full and different dates when the account was open and last active. I have certified mail XX/XX/XXXX and XX/XX/XXXX they have not responded to either of them which has now placed the account dispute 30 days passed which legal they must remove this account from my credit file and have failed to do so.

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: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted Discover in regards to a debt that they stated I allegedly owed.This debt is currently being reporting on my XXXX credit report as a charge off. I requested for validation of the debt and they did not comply or validate this debt. They are also in violation of 15 USDC code 1681b permissible purpose of consumer reports. Under this law I never gave them written consent to report anything on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: TX
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:
Experian has it out for me they ding my credit weekly someone there hates me or is out to get me I have a great credit report you can check into it I have no late pays many loans paid off with no late cards up to date paid many with no balance at all and yet I can charge maybe XXXX or XXXX dollars and my credit will go down XXXX points pay them of it goes back up XXXX point Im ready to get an attorney and sue some ones XXXX off

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 2022-04-05
Company: Experian Information Solutions Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Experian XXXX and XXXX are allowing companies disguised as debt collectors threatening with letters made up to look like court documents after attempts to tell them that they should not contact me. This is affecting my opportunities to fair credit

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I have opened up a fraud claim with Bank of America for the third time, because I noticed money had been missing out of my account. A total of XXXX have been fraudulently sent to XXXX.. I don't have the resources that they do, to have an investigation or to get video footage to prove it wasn't me. My first claim was on XXXX. I have been reading about all the scams and frauds that have been going on and I am a victim. The fact that my card didnt have the appropriate anti-fraud technologies and the typical chip technologies that all of us use in every other context is enough to put me at risk for fraud. I should get atleast a provisional credit intill a more in debt investigation is done. I beleive Bank of America is violating the federal Electronic Funds Transfer Act '' by denying my claim without a good faith investigation. Please help 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 monetary relief
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
I have mailed XXXX on 4 different occasions in regards to an account with XXXX that reflects negatively on my credit report. I have elaborated with the company I have been a victim of identity theft and requested that XXXX investigate the following matter and remove the account. I have never received any rebuttal from the company which leaves me with no option but to reach the CFPB. 



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 2021-05-17
Company: EQUIFAX, 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:
fcra violations not mine : see attachments for proof XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX # XXXX  XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX # XXXX XXXXXXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Report Number : XXXX Date Generated : XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
I have mailed XXXX on 4 different occasions in regards to an account with XXXX that reflects negatively on my credit report. I have elaborated with the company I have been a victim of identity theft and requested that XXXX investigate the following matter and remove the account. I have never received any rebuttal from the company which leaves me with no option but to reach the CFPB. 



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 2021-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
There are 5 accounts showing up on my credit report that do not belong to me. These accounts were never opened or signed or used by me. I pulled my credit and noticed that these accounts are not mine and are appearing on my credit report and causing me great grief. I should not be responsible for someone else 's mistake. I have opened an FTC regarding this. 

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 explanation
Consumer complaint received 2022-04-05
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:
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 Late Payment XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the accounts in my Credit Report : XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX, XXXX XXXX BANK XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: DISCOVER BANK
State: DC
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, my XXXX  XXXX Personal CD matured ( XXXX ), for {$260000.00}, & I contacted Discover Bank, to acquire a higher rate CD ( at 1.75 % ). Discover took all my information, saying it would require 5-7 days to open the CD ; the CD number was to be XXXXThe amount was to be {$250000.00} or more. I said OK. 
After 2 calls to XXXX  to request the transfer ( via ACH ), XXXX said they only transfer CD monies to a savings or ck account -- not to a CD! So I had to have Discover Bank set up a savings account & XXXX would make two test deposits to prove it was my account where the money was going. So we went through that crazy procedure & it went OK. On XX/XX/XXXX I asked XXXX why the CD & was money not transferred, & they said " Discover had frozen my savings account ''. So it could not be used. I called Discover & they said : 1 ) I should never have opened a savings account, only a CD ; 2 ) I would need pay a {$30.00} wire transfer fee for the funds. But every step of the way with Discover someone was trying to mis-lead me. Their telephone reps would say something & when I questioned it, they would backtrack & change it. They did claim the account was never froze. On XX/XX/XXXX, I learned the money was transferred to Discover & into my savings account. In speaking with the rep, I decided to open the CD with {$250000.00} & receive the rest in a check to me. The rep worked to open the CD and when I asked her to confirm the 1.75 % 12 month rate I was promised ( on XX/XX/XXXX, for at least 4 weeks ), she at first said it was only 1.5 %. I questioned this & asked for a Supervisor. She spoke to him & then told me the 1.5 % was only for On-line opened accounts but I was a call-in & would get the 1.75 %, per her Supervisor. Yesterday, XX/XX/XXXX, I received the Discover confirming letter for my CD opening ( acct XXXX ) -- at 1.5 % Typical Discover, telling you one thing, & then doing another. Right up to the edge of fraud. But labeling it always that the telephone rep was confused. 
On the one hand, XXXX was guilty of deception -- -that I needed a savings acct & proof it was me holding it. On the other, Discover was working to mis-lead me with every telephone rep comment. And the .25 % interest rate they denied me equals $ XXXX/year. Just year 1. As an honest consumer, I need Consumer Protection to exercise some authority with Discover Bank -- and secure the 1.75 % I was promised. I also filed a complaint with the FDIC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: WI
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:
My XXXX XXXX auto loan is reporting to credit bureau saying that I was 30 days past due back in XXXX of 2020. I have bank account statements saying I paid the monthly bill in full in XXXX of 2020. This negative credit item is affecting me with buying my first home. I have disputed this with XXXX  XXXX and the 3 credit bureau but they will not change it to the correct information. Equifax has the information right but the other two bureaus do not have the information correct. I feel like I am getting bullied by XXXX XXXX and the credit bureaus. Every time I call they do not care and give me hard time every time. Its very frustrating. Now by law im going to use my rights. The bureau has violated my rights. 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 states a consume reporting agency can not furnish a account without my written instructions. 

Since the credit bureaus and XXXXXXXX XXXX do not want abide by the law hopefully this will make my credit report accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: EQUIFAX, INC.
State: KS
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:
took my ftc off and added as a debt collection fcra violation equifax and XXXX XXXX XXXX inc XXXX

Company response to consumer: Closed with explanation