BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-26
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:
For the past couple of months I have tried to get two late payments updated to paid on time and not late. I spoke with XXXX credit services and the President of Consumer reviews in the credit department. Because of my recent great credit history she agreed to updated the payment status to agreed and not late for payments in XXXX and XXXX of XXXX Credit agencies still haven't updated the information yet and I have sent in numerous letters to the bureaus and nothing yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: W&A Intermediate Co., LLC
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:
Certified dispute letter mailed XXXX. Dispute letter received XXXX  Requested verifiable proof of consumer contract with signature that I had an account with this third party agency. Third party agency did not provide consumer contract with signature of account. It is within my right to file a formal compliant of dispute for the misrepresentation, fraudulent use and identity theft of my personal information regarding the XXXX law violations of this third party agency

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: U.S. BANCORP
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I made a purchase on XXXX XXXX with my Us bank altitude connect card in early XXXX. My card member agreement says I should get XXXX points for " travel ''. So i called the Bank and asked them to confirm if I would indeed get XXXX points. The representative on the phone said that I would. I made purchases with XXXX XXXX going on the information the rep told me over the phone. After my statement closed, I saw that I only received XXXX points and not XXXX. I called US bank and asked why this was the case around on XX/XX/XXXX. The rep again on the phone told me they are not sure why I didn't receive XXXX and that XXXX travel should have qualified. They said I would receive a letter from a supervisor soon. I got the letter today on XX/XX/XXXX and the letter just says that XXXX XXXX is a travel agency and doesn't count as direct travel purchases. I understand that is their policy, but I feel misled by the US bank reps. If I knew ahead of time that XXXX XXXX would not count, I would have used a different card. But I used my Us bank card because of what the rep told me over the phone. This was a very large purchase and the points are not insignificant.

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 2022-11-03
Company: EQUIFAX, INC.
State: IL
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 Account 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. 

XXXX XXXX XXXX XXXX of {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
State: AZ
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 complaint last XX/XX/2023 and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

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 2019-07-02
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX of 2018 is when I first noticed that I was a victim of identity theft. Since then I've filed a police report, contacted the credit bureaus and creditors but I'm still not receiving any cooperation concerning the accounts that I list are not mine. I've ask the creditor to send me contracts in writing with my signature and I haven't received anything.

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 2021-06-03
Company: EQUIFAX, INC.
State: NC
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 XX/XX/2021, I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) stating they will remove the account off of my credit report within 60 days, and as of today, Equifax is refusing to remove that false and misleading information off of my credit report so Im writing this letter to file a complaint against Equifax who has repeatedly violated 15 U.S. Code 1692 g. Equifax has also violated 15 U. S. Code 1681c by failing to provide the consumer with the original wet ink signature of the alleged contract I signed with XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ). XXXX  and XXXX  cooperated and removed that false and misleading account off of my credit report, I need Equifax to do their job and remove this account off of my credit report because its been well over 60 days for them to update my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: JPMORGAN CHASE & CO.
State: CO
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:
During late XXXX, I found that I was being charged a late payment on my card for not paying a balance of {$24.00}. This {$24.00} was for a magazine subscription that was auto-charged to my card. I had not authorized this payment and had also used the Chase freeze card function so was surprised that anything was authorized to this card. I contacted Chase, they labeled the charge as a fraud, and I contacted the magazine company, had the charge removed, and closed the card 's account. I thought the issue was settled until I received a letter from Chase card member services on XX/XX/XXXX, saying that my account was overdue and going to collections. I called Chase and was told that because the charge was reported as fraud and not in the correct category, the charge was re-added to my account. Chase alleges that they tried to contact me by both phone, email, and written documentation ; I however never received any written contact until the letter received on XX/XX/XXXX. The charges by that time added up to XXXX, all fees except for the original {$24.00} bill. In my conversations with Chase I was able to get them to forgive three months of previous fees charged, but they told me that they could not forgive me any further back then that. I have since payed the remaining amount of {$110.00} so as not to adversely effect my credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-17
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I had a previous account with American Express that was included in bankruptcy in 2014. I, unfortunately, had to file bankruptcy in 2014 because I was awarded 100 % XXXX with the XXXX XXXX. I served my country as a United States XXXX and suffer from XXXX. I have since then got my financial house in order and thought it was appropriate to repay my debt owed to American Express. I would ask that you remove any blocks from my account so that I can reply for another credit card. I applied today and was declined because of my previous account status but was hoping that since I paid my debt, that I would be reconsidered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On my Capital One Venture One card there are plenty of charges from some foreign countries. These days there seems to be no way to contact Capital One regarding to these issues. Only contact method provided is by phone and I have been on hold forever.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-02
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Barclays card was applied for in XXXX for a timeshare. That was used for the down payment of {$4000.00} usd on XX/XX/2018. I have multiple cards and never got approved For an amount of {$4000.00} usd. The sales person in XXXX had to faked my annual income. That how I got approved so easily. I have asked Barclays for my application multiple times and they can not find it in their system. The timeshare purchased and was false and misleading information was given. I took it to litigation with XXXX which is the XXXX consumer protection. The time share was completely canceled. I asked the hotel chain to please return the XXXX they stated no it was out of there hands to dispute with the credit card. I never used the timeshare at all! I dont want anything to with the hotel chain! I do not find it fair that they lied to me and scammed me and I am responsible for paying the card when I will never use there services! I came into an agreement with Barclays to pay XXXX and change to have the card paid of as settlement.

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 2021-06-26
Company: ENOVA INTERNATIONAL, INC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2021 I got a hard inquiry on my XXXX  credit report From a company named NETCREDIT/XXXX Never heard of this company Never applied for a loan I was at work all day from XXXX to XXXX Tried calling this company Can not get through to anyone Tried looking it up Looks like its a high interest personal loan company Would never be interested in a company like that Also called XXXX  The said there is nothing they can do Cant take my word for it Ive tried so hard to get my credit up and stay in good standing Had identity theft about 5/6 years ago with the IRS this makes me very nervous Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Kriya Capital, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Credence Resource Mana filed a collections claim on my credit report in XXXX, 2020. Credence somehow acquired a delinquent account from XXXX that had my name on it. This account was created under my name but I knew nothing about it. I have been a victim of identity theft and I have been having issues like this for several years. I filed a dispute with a credit bureau ( s ) and I discussed the situation with a Credence representative. Credence mailed me a fraud packet and I filled it out and sent it back with  supporting documentation. The delinquent account was then removed from my credit report. Today ( XX/XX/2020 ), I discover that XXXX XXXX XXXX has filed another collections claim on my credit report for the same amount and again from XXXX. I called XXXX and explained the situation and they told me they have no record of my dispute or fraud packet and that I am going to have to go through he same process again with a fraud packet, etc. It appears to me that when Credence could not collect the debt because of fraud, they sold the account to XXXX. I am concerned this will never end and that XXXX will sell the delinquent account to a different company after they receive my fraud packet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-02
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: Their investigation did not fix an error on your report

Complaint:
Experian has failed to complete investigations on the accounts listed below. It is a violation of the FCRA to not properly investigate accounts when requested. 
XXXX XXXX XXXX Simple Account Number : XXXX -date updated on this account shows XX/XX/XXXX and I have disputed this account last month. 

XXXX XXXX  XXXX Account Number : XXXX-date updated on this account shows XX/XX/XXXX and I have disputed this account last month. 

XXXX XXXX XXXX Account Number : XXXX date updated on this account shows XX/XX/XXXX and I have disputed this account last month.

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 2020-07-17
Company: SYNCHRONY FINANCIAL
State: NV
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:
Made a purchase on XX/XX/2020 in the amount of {$840.00} for goods. As of XX/XX/2020 these goods were never shipped to me and the merchant had not responded to a request for update. On XX/XX/2020 a complaint was made through the creditor. Upon receiving the inquiry from the creditor, the merchant, updated my order status as " Cancel '' ( previously showed " Processing '' ), issued a USPS tracking number as proof of delivery, stated to the creditor that my mailing address was associated with the USPS tracking number confirming delivery on XX/XX/2020. 

USPS tracking information does not reveal the recipient 's name, shipping address and will only provide the zip code and delivery progress by location. USPS tracking does show the package associated with that number was delivered. However it clearly shows the zip code differs from my address and the address the merchant says they mailed to. The creditor wants me to provide proof other than the information from the USPS that the package was not delivered to me. A trip to my local USPS did reveal the package associated with the tracking # provided was addressed to someone else and not my address. However, due to privacy policies, the USPS can not and will not provide any details about the addressee of a package or their address it was delivered to to anyone other than the addressee. 

The creditor 's policy along with the USPS policy creates a perfect hiding zone in plain sight for dishonest and deceptive merchants. The creditor will not enforce a Buyer Protect policy stating the merchant did provide proof of delivery. They will not accept the fact the the zip code being different ( which is information they can verify ) is sufficient evidence to show the package was delivered somewhere other than to me. The US Postal Service disagrees and even escalation to a manager,  they will not provide me the details the creditor is asking for. USPS feels the tracking information is sufficient to directly shows proof of my claim.

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 2020-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
My sole existing credit card with Capital One with no delinquencies was closed due to inactivity. Unfortunately, I was not given an opportunity in advance to correct this, as I am ready to, and the closure is adversely and disproportionately affecting me during the coronavirus crisis. My overall utilization rate, relatively long age of the account, credit worthiness, and diversity of creditors are now extremely affected by this decision that was made with zero forewarning to me. As my employment and credit score have already been negatively impacted by the crisis, this company is now responsible for actively preventing my ability to improve my situation by negatively impacting my credit score, which will affect my immediate employment and housing opportunities. I am ready to use this credit card actively and responsibly in order for its full restoration. 

The company called me to let me know that they will not correct this. 

I am seeking rectification of this by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: Allied International Credit Corp., (US)
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Allied International Credit corp is attempting to collect an invalid debt on behalf of XXXX. I called XXXX and I dont know any debt to them and they said its probably a scam and to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I just discovered that in 2020, US Bank charged me 17 overdraft fees, {$36.00} each, totaling {$610.00} dollars. Sometimes they charged me over {$100.00} a day just in overdraft fees. I never approved " overdraft protection '' and am concerned that they tricked me into it during a sales call. I'm a senior citizen and my husband died of XXXX this year. I had lots of calls to try and sort out what to do now, and I'm hoping that they didn't switch it then. I tried to call US Bank and was given the run-around. I asked my son-in-law to help me turn off the fees, and he's trying to help since the company won't.

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 2020-07-17
Company: Experian Information Solutions Inc.
State: MD
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 contacted the company and credit bureau twice in regards to this account and no response on the results or status. I have yet to receive original documents proving the the account is mines. This is defamation of character on their part and i am disappointed in this company for these inaccurate claims.

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 2020-07-17
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD
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 contacted the company and credit bureau twice in regards to this account and no response on the results or status. I have yet to receive original documents proving the the account is mines. This is defamation of character on their part and i am disappointed in this company for these inaccurate claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Waiting on removal of items that were already removed

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 2018-11-23
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was informed that a fraud alert was placed on my credit file from this credit reporting agency. I did not request a fraud alert be placed on my file nor was I notified of this action

Company response to consumer: Closed with explanation