BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-20
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I pulled my credit reports today, XX/XX/XXXX to find I have a collection listed on my reports by Calvary Portfolio SVCS for account # XXXX. Upon further research I found this was a debt purchased from XXXX XXXX. I was not notified of the attempt to collect a debt prior to it appearing on my credit report. I don't know what XXXX company they are collecting for but rather than allowing it to revolve on my credit until XX/XX/XXXX, I am willing to offer a settlement of {$75.00} being that they paid pennies on the dollar for the debt anyway, but again they also did not follow FCRA guidelines on notifying me in timely manner of the debt to allow me time to investigate and dispute if needed. I attempted numerous times to dispute this to no avail. If the settlement is acceptable, payment will be issued immediately. I must receive written notice that this debt will be removed from all credit reports and settled with original debtor if need be as well whomever the original creditor is that they also acknowledge the debt to be removed and considered paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Experian Information Solutions Inc.
State: MD
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 drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: SYNCHRONY FINANCIAL
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:
XX/XX/XXXX JC pennyXXXX Synchrony Bank placed a hard inquiry on my credit report. I have contacted them 10 times over 12 months. Each time they told me it would be removed via fraud. I have been given case numbers # XXXX and # XXXX. I contacted them again today XX/XX/XXXX as it still appears in my credit reports. All credit reporting agencies tell me they won't remove it as when I dispute it they then contact Jc penny/Synchrony Bank and they tell them its accurate information. This has affected my credit and resulted in me paying more interest and now qualify for cheaper rates. I want a notice in writing stating it's ment to be removed. I want them to also send this notice to all credit reporting agencies with in 30 days.

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 2020-02-20
Company: Experian Information Solutions Inc.
State: UT
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 XXXX XXXX # XXXX is reporting an account to my credit that is not mine. I have a mixed file and this account does not belong to me and needs to be removed off of 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 2023-07-05
Company: Esusu, Inc.
State: NV
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 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened my Capital One Checking and Savings accounts on XX/XX/21 to replace my XXXX XXXX account. 
On XX/XX/21 I received an email letting me know that there has been unusual activity on my account, and to call the bank to verify the activity. Turns out, I set up a {$20.00} transfer from my XXXX XXXX account that did not have time to clear before I closed the account. This got cleared up and all was well until I got the same notice again on XX/XX/21. 
I called the bank to see what it was this time, and wa informed that they were investigating my {$25000.00} transfer from my business bank account made on XX/XX/21. This was understandable due to the large amount. I offered to have them call my bank, I would verify my identity, and the bank could validate the transfer. The Capital One representative refused to do this. 
I have called several times since, and always got the same story. At this point, it has been 4 weeks since my account has been frozen with no end in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The Columbia Debt Recovery group ( I believe d/b/a Genesis Credit Management ) has asserted a fraudulent amount owed and represented the same to various credit reporting companies. Per stipulation filed in a XXXX XXXX XXXX on or around XX/XX/2018, a total of {$2100.00} was agreed to be paid to bring the superfluous eviction case brought against me by XXXX XXXX XXXX XXXX to a resolved conclusion. This was the agreed total cap of the amount owed. XXXX XXXX XXXX, however, failed to credit my account or offset this total due by the last month 's rent that I had paid ( total of {$1000.00} XXXX or the deposit I had made on the unit prior to moving in ( {$300.00} XXXX. This brings the total to {$790.00}. I have indicated from the onset of this disagreement that I stand ready & willing to pay this {$790.00} today. However, Columbia Debt Recovery has inexplicably added {$1400.00} in 'late fees. ' The only reason I am even aware of this added figure is because this is the amount indicated on my credit report ; I have never received an accurate billing or a justification for this late fee. Note also that the stipulation does not indicate any late fees & there is otherwise no agreement for this late fee. Further, any late fee percentage would have been based on the higher figure that does not account for payments made or the proper offsets as indicated above. Columbia asserts that they have not received evidence that the last months ' rent was paid, but that is an incorrect assertion. They received a copy of the uncashed check given to me by XXXX XXXX XXXX as a refusal of my last months ' rent. Because this amount remained in the landlord 's bank account, this is irrefutable evidence that the last months ' rent was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 sent a certified letter to TransUnion LLC on XX/XX/2023 tracking number ( XXXX XXXX XXXX XXXX XXXX ) TransUnion failed to remove the inaccurate information I was requesting. I am following up with another letter today XX/XX/2023

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 2022-12-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Block, Inc.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
i was using cash app and order a cash app card which they sent to me but refuse to activate and then reported to them that my account had been hacked and transactions attempted which i can not access the dates and amounts for because i had to close my cash app account because they took XXXX minutes after i reported it to say no fraud had occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: HANCOCK WHITNEY BANK
State: LA
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/2020, my Hancock Whitney VISA credit card was charged for {$1100.00} without my permission. This charge was temporarily put on hold but put back on the card when the Dispute Resolution Department sent me a letter saying there was no billing error and I was responsible for the charge. I reported it to the fraud department but they could not help me. I saw that my rewards points on the card indicated a large point withdrawal so I contacted the rewards department and was told that the points were redeemed for an airline ticket or tickets and the balance was put on my credit card. I was told that the ticket was for a XXXX XXXX. I gave the Dispute Resolution Dept this information, but they said there was proof that it was my charge and they would not re-open the case. At no time was I sent a copy of my authorization for this charge, although I requested this each time I i spoke with them, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I don't know what else I can due except hire an attorney. Please help me clear this up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-01
Company: EQUIFAX, INC.
State: OH
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:
On 3 separate occasions I asked XXXX, XXXX XXXX, and Equifax to dispute a collection on my credit report as incorrect. I asked for pictures as well as their documentation as I have mine. None of this was provided by the collection agency reporting the debt nor any of the 3 credit reporting agencies. When I tried to dispute again I was refused. They said the information was correct as reported by the company. When I asked what information was correct each reporting agency was UNABALE to give me that information. When I asked were they able to provide pictures they were NOT. I was able to provide that I paid on time and in full up until 3 weeks before my lease was up. I did NOT leave any damages NOR any furniture behind. They were UNABLE to provide any pictures proving their claim that I did. They rerented the apartment immediately after I moved out. I had a deposit of {$570.00} That should have covered majority of any moved out expenses. They did not report it to any collection agency for 3 years. So I was under the impression that everything was okay. Now I am finding out I owe {$2800.00}! They say I owe 6 water bills. That is not possible as it was built into the rent. I Have proof from XXXX XXXX who does their billing that I OWE NOTHING for water, sewer, trash, nor rent. They also owed us {$100.00} at the time we moved out for a referral bonus. That was never applied to anything. Our lease was up XX/XX/2020. We moved out XX/XX//2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
There was a account opened in my name that I didn't give permission to do that its Capital One it was opened on XX/XX/XXXX and closed on XX/XX/XXXX of 2020 and I didn't open an account with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-01
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I opened a PayPal account in order to send and receive money online. I was able to process online transactions for payment, but PayPal said I had red flags to resolve on my account, and that I needed proof of address. 
I sent them a copy of my bank statement, to show proof of address. 
I was then sent money from another PayPal account, and PayPal will not give me that money. It was not deposited into my account, I can not access it. The sender has already had it deducted from their bank account and can not resend it to me or send it to me any other way. 
PayPal has my money, and will not give me access to it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-02-20
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
My direct deposit met the requirements by qualifying as {$500.00} or more. My direct deposit was a cumulative for {$500.00} or more because I get paid sometimes daily sometimes weekly its very random. 

BBVA Bonus {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: CarMax, 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: Account information incorrect

Complaint:
I had a five year loan with carmax, the loan was paid off in full in XX/XX/2018. I paid a payment ever month, in XXXX my credit was hit with a 30 day past and 54 points. I called and was told that I had late fees of XXXX for two years. I was never called or advised that I had these late fees or that my credit would be hit. My payment was XXXX per month. I paid that amount every month. Once I was told about the late fees I paid the balance off in full. I was never sent a demand letter or a notice at all. I didnt have a loan for late fee amounts. I satisfied my loan obligation in full. I asked hem to remove from my credit and was told per policy they could not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I submitted a dispute with XXXX, XXXX, & Transunion regarding information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020 & 30 Day demand to comply sent on XX/XX/2020.

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 2020-07-20
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My apartment experienced toxic mold following an air handler replacement. While the company acknowledged it they expected me to pay for remediation. They never did remediation but a deep cleaning. The mold came back. I developed serious health issues ( XXXX, XXXX XXXX, XXXX, XXXX  ) and after a back and forth with them and their attorney I broke my lease and moved. They sent a 'bill ' to Hunter Warfield Collections saying the damage to my apartment was from nicotine and charged me 7k in fees!! I requested a debt validation from Hunter Warfield in XX/XX/2019 with what I am entitled to by law and if they did not provide this they had to delete my account and remove from credit reporting. I did not receive anything from Hunter Warfield. All other letters and emails have been ignored except for them sending a 'bill ' now and then. 
This is illegal!!! I will attach emails and files. I hope you will read them. I also have pictures of my XXXX XXXX caused by this mold. The file is over the limit and I can provide to you upon request.

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 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Transunion has allowed my social security card, which is my credit card be used without my authorization. This is aggravated identity theft as well as unauthorized use of my credit card where another person ( s ) receives a benefit and I do not. This is a criminal violation that is punishable by fine and imprisonment.

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 2020-02-20
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I have noticed inconsistencies with the information all three credit bureaus have. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. XXXX has a Chapter XXXX Bankruptcy, REF # XXXX as Date Filed : XX/XX/XXXX, however XXXX   has the following info claiming to be accurate, Chapter XXXX Bankruptcy, REF # XXXX as Date Opened : XX/XX/XXXX, and Equifax is NOT reporting this information AT ALL!!! Also XXXX has XXXX XXXX, XXXX # XXXX Balance of {$3500.00} as Date Opened : XX/XX/XXXX, however XXXX has the following info claiming to be accurate, Balance of {$3500.00} as Date Opened : XX/XX/XXXX, and Equifax has the following info claiming to be accurate, Balance of {$3500.00} as Date Opened : XX/XX/XXXX. If these are the same accounts, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately. I also asked if they would update my personal information in their system, they have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: LEXISNEXIS
State: OH
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:
LexixNexis searched for negative information pertaining to me, which is an invasion of my rights to privacy. This company did not have permissible purpose or my written consent to search for negative information pertaining to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Self Financial Inc.
State: MN
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:
My Lead Bank Self Visa credit card is lost/stolen and theres is fraudulent and unauthorized transactions from XX/XX/XXXX to XX/XX/XXXX for {$260.00} listed and showing on my Self Visa credit card account. I dont recognize the transactions and the transactions are not my transactions. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX

Company response to consumer: Closed with explanation